CN112001789B - Bank account generation method and device - Google Patents
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- CN112001789B CN112001789B CN202010856342.9A CN202010856342A CN112001789B CN 112001789 B CN112001789 B CN 112001789B CN 202010856342 A CN202010856342 A CN 202010856342A CN 112001789 B CN112001789 B CN 112001789B
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Abstract
The invention provides a bank account generation method and a device, wherein the method comprises the following steps: receiving a preselected account number request submitted by a client; when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account; generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number; and adding check bits to the basic account number to generate a bank account number for the client. The invention realizes the customized generation of the bank account according to the customer demand, generates the bank account by combining the random account data of different account sections with the customer customized data, realizes the scattered generation of the bank account in different account sections, and compared with the prior art, avoids the burden of a processing system from being increased due to the concentration of the account, and improves the transaction execution efficiency.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a bank account generation method and device.
Background
The existing bank account selection mechanisms are mainly several, one is a large-order public account number sending mechanism, and when a customer applies for an account, a batch of accounts are randomly generated for the customer to select. The other is to generate a random account number according to the bank number, the provincial number, the institution number, the special check field and the like; the two number sending mechanisms cannot show the account characteristics, cannot provide various accounts for customers to select, cannot be freely defined by the customers, and cannot meet the requirements of the customers on special accounts, such as auspicious numbers, souvenir numbers and the like.
In addition, there is a special account number sending mechanism, a part of accounts can be reserved from an account code library through special account number reservation, the reserved part of account number sections are stored in a special reserved account number table, when an account number is opened, the public account number sending mechanism performs validity check on the generated next new account number, namely whether the account number is reserved in the special reserved account number library or not is checked, if the account number is reserved in the reserved account number section, the process is skipped, and the next new account number is regenerated. The special account number sending mechanism can only support limited screening of the required accounts within the range of the reserved accounts, and cannot meet the customization requirement.
At present, when a bank account is stored, a coding mode without fixed meaning numbers is generally adopted, a storage account section is saved in a storage time division mode, and an independent serial number generator is used for storing the account according to the distribution of the order of the accounts from small to large. By adopting the storage mode, the bank management and allocation of account resources, such as account selection and allocation, are facilitated. If the bank relies on the storage mode, the bank account number selected by the customer is concentrated, and when the bank processes the bank account number concentrated, the burden of a processing system is easily increased, and meanwhile, the efficiency of executing the transaction is reduced.
Disclosure of Invention
The embodiment of the invention provides a bank account generation method, which is used for enabling clients to customize accounts individually, avoiding burden of a processing system from being increased due to account concentration and reducing transaction execution efficiency, and comprises the following steps:
receiving a preselected account number request submitted by a client;
when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account;
generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number;
and adding check bits to the basic account number to generate a bank account number for the client.
The embodiment of the invention also provides a device for selecting bank account numbers, which is used for enabling customers to customize the account numbers individually, avoiding the burden of a processing system from being increased due to the concentration of the account numbers and reducing the execution efficiency of transactions, and comprises the following steps:
the pre-selection account request receiving module is used for receiving a pre-selection account request submitted by a client;
the customer customized data generation module is used for generating customer customized data according to the preselected account request when the preselected account request is a customized account request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account;
the basic account generation module is used for generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number;
and the bank account generation module is used for adding check bits to the basic account and generating a bank account for the client.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the method.
In the embodiment of the invention, a preselected account number request submitted by a client is received; when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account; generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number; and a check bit is added to the basic account to generate a bank account for the customer, so that a customized account can be generated for the customer in a personalized way according to a preselected account request of the customer, the purpose of customized generation of the bank account according to the customer needs is realized, the bank account is generated by combining random account data of different account sections with customer customized data, the scattered generation of the bank account in different account sections is realized, compared with the prior art, the situation of increasing the burden of a processing system due to account centralization is avoided, and the transaction execution efficiency is improved.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic flow chart of a bank account generation method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of an example of a bank account generation method according to an embodiment of the present invention;
fig. 3 is a schematic diagram of an example of a bank account generation method according to an embodiment of the present invention;
fig. 4 is a schematic diagram of an example of a bank account generation method according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a bank account generating device according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a bank account generating device according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a bank account generating device according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a bank account generating device according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of a bank account generating device according to an embodiment of the present invention;
fig. 10 is a schematic structural diagram of a bank account generating apparatus according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In an embodiment of the present invention, a method for generating a bank account is provided, as shown in fig. 1, where the method includes:
step 101: receiving a preselected account number request submitted by a client;
step 102: when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account;
step 103: generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number;
step 104: and adding check bits to the basic account number to generate a bank account number for the client.
In the embodiment of the invention, a preselected account number request submitted by a client is received; when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account; generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number; and a check bit is added to the basic account to generate a bank account for the customer, so that a customized account can be generated for the customer in a personalized way according to a preselected account request of the customer, the purpose of customized generation of the bank account according to the customer needs is realized, the bank account is generated by combining random account data of different account sections with customer customized data, the scattered generation of the bank account in different account sections is realized, compared with the prior art, the situation of increasing the burden of a processing system due to account centralization is avoided, and the transaction execution efficiency is improved.
In the implementation, firstly, a preselected account number request submitted by a client is received; when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data includes the number of the customer customization and the location of the number in the bank account number.
In the embodiment, the account preselection request submitted by the client through various channels, such as self-service online channels of virtual network points, online banks, mobile phone banks, official WeChat and the like, can be received. Different pre-selected account request options can be set in the business layers of various channels, and the client can select the different pre-selected account request options according to the requirements. After a client submits a preselected account number request, receiving the preselected account number request submitted by the client; judging the type of the preselected account number request, and if the preselected account number request is a random account number request, randomly generating a bank account number and feeding back to a client; if the preselected account number request is a customized account number request, if a customer wishes to customize a personalized account number, for example, a customized account number proposed according to a certain screening condition, for example, the positions of certain digits in the account number adopt a combination of year, month and day or special numbers, or the tail number is a digital customization requirement such as lucky number, and the like, customer customization data is generated according to the preselected account number request; the customer customization data includes the number of the customer customization and the location of the number in the bank account number.
In particular embodiments, there are a number of ways to generate customer customization data based on a preselected account number request, one of which is given below.
In one embodiment, generating customer customization data based on the preselected account number request may include: and screening and translating the preselected account request to generate customer customization data.
In an embodiment, a pre-selected account request of a customer is screened and translated to generate customer customization data. In an embodiment, the method for generating the bank account number provided by the embodiment of the invention may further include: and (5) carrying out corresponding rule screening, check bit processing, presence checking and feature processing on the custom data. Rule screening is used for checking whether the custom-made data accords with preset bank account number custom-made rules, if so, whether unrecognizable characters exist, whether special characters which cannot be used exist in the custom-made data, whether the custom-made data exceeds the maximum length and the like; the check bit processing is used for checking the correctness of the data and ensuring the safety of data transmission; the presence check is used to check whether the digital combination contained in the customer customization data is present in the bank account database; the feature processing is used for adding features and encrypting the client customization data, so that the condition that the client customization data is intercepted in the process of transferring the client customization data is avoided, the security of bank account generation is improved, and the privacy of the client is guaranteed.
As an example, as shown in fig. 2, fig. 2 is a schematic diagram of an example of a bank account generation method provided by the embodiment of the present invention, taking a 12-bit bank account as an example, in fig. 2, there are 12 customizable digits in total, and a customer can fill in the digits required by himself in the digits corresponding to the 12 digits according to the needs, if a specified numerical value is input in a field to be customized, the finally available "beautiful number selection" is the generated bank account; if the customer hopes that the account number tail number is 8, 8 can be input at the 12 th column, and other columns are not input, and the generated customer customization data is shown in fig. 3; if the last digits of the account number are years, such as 2018, the 9 th, 10 th, 11 th, 12 th and other fields are not entered with numbers, the custom data is generated as shown in fig. 4.
In the specific implementation, after generating the client customization data, generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number.
In the embodiment, according to the client customization data and the pre-generated random account data positioned in different account segments, a basic account is generated through a seed algorithm and a bucket sub-algorithm. The random account data in different account sections are used for generating the basic account, so that the scattered generation of the basic account in different account sections is realized, compared with the prior art, the situation that the burden of a processing system is increased due to the concentration of the basic account is avoided, and the transaction execution efficiency is improved.
In an embodiment, the seed algorithm may include: the random data such as transaction serial numbers, transaction dates and the like are used as seeds, and then the seeds are processed by a random number generator to generate new random seed data which is used as data input for subsequent processing, so that the data generated each time are regular and random, and the irreproducibility of the data can be ensured; the bucket sub-algorithm may include: and (3) the basic account data are stored in different barrels in a scattered manner, the barrels record the starting and ending positions of the basic account data, and when the basic data are obtained each time, the number of the barrels is subjected to module taking according to the step length and the frequency to determine which barrel is used for the data, if the generated basic account data exceeds the ending serial number of the barrel, the barrel is used up, and a new barrel is started to generate the basic account data.
In specific implementation, the bank account generation method provided by the embodiment of the invention can further include: the random account data at different account segments are pre-generated as follows: acquiring a transaction serial number and a transaction date of a client and a current available account section; generating a random account seed according to the transaction serial number and the transaction date of the client; and generating random account data positioned in different account segments according to the currently available account segments and the random account seeds.
The method for obtaining the transaction serial number and the transaction date of the client and generating the random account number seed can comprise the following steps: and acquiring a transaction serial number and a transaction date of the client, and generating a random account seed through a random algorithm by combining the random number. By combining the currently available account segments to generate the random account data, the random account data can be generated in a scattered manner in different account segments, the situation that the burden of a processing system is increased due to the fact that the random account data is concentrated is avoided, and the transaction execution efficiency is improved.
In specific implementation, according to the currently available account segment and the random account seed, the generation of random account data in different account segments may include: dividing the current available account number section into available account number sections of a plurality of interval sections; and generating random account data positioned in different account segments according to the available account segments of the plurality of interval segments and the random account seeds.
By further dividing the current available account number section into available account number sections of a plurality of interval sections to generate random account number data, more decentralized generation of the random account number data in different account number sections can be further realized, the situation that the burden of a processing system is increased due to the fact that the random account number data is concentrated is further avoided, and the transaction execution efficiency is improved.
In specific implementation, after the basic account is generated, a check bit is added to the basic account, a bank account is generated for a customer, and a check bit is added to the basic account, so that various methods for generating the bank account for the customer are provided, and one embodiment is given below.
In an embodiment, adding a check bit to the base account number, generating a bank account number for the customer may include: and adding check bits to the basic account number, and generating one or more bank account numbers positioned in different account number sections for the client.
In the embodiment, the addition of the check bit can ensure the safety of the transmission data, check the correctness of the data, verify the accuracy of the data and the like.
In specific implementation, the bank account generation method provided by the embodiment of the invention can further include: after generating a plurality of bank accounts located in different account sections for the customer, if the number of the generated bank accounts does not reach the preset number, executing the following steps: regenerating random account data; regenerating a basic account according to the client customization data and the regenerated random account data; adding check bits to the regenerated basic account numbers, and regenerating a plurality of bank account numbers positioned in different account number sections for the clients; and if the number of the regenerated bank accounts still does not reach the preset number, re-executing the steps until the number of the generated bank accounts reaches the preset number.
In the embodiment, the number of the regenerated bank accounts can reach a preset value by changing the serial numbers of the transaction, more account selections can be provided for the clients, the service quality of the bank account generation service can be improved, and the satisfaction degree of the clients can be improved.
The bank account generation method provided by the embodiment of the invention can further comprise the following steps: after the bank account is generated, generating a random verification code seed according to the generated bank account, the transaction serial number, the transaction time and the transaction date; generating a verification code corresponding to the bank account number according to the RANDOM verification code seeds through a RANDOM algorithm; and locking the combination of the two, so that one bank account corresponds to one verification code, and the security of selecting the bank account is ensured. If a plurality of bank accounts are generated, a customer can select an account from the generated plurality of bank accounts, and after the customer determines the selected account, the account and a corresponding verification code are sent to the customer together, and the customer can use the account and the verification code for opening an account later; if the customer is not satisfied with the selected result, the bank account number can be generated again after the condition is adjusted.
The bank account generation method provided by the embodiment of the invention can further comprise the following steps: after a customer selects an account from a plurality of bank accounts, if the customer does not use the account, recovering the account, wherein the recovered account can be reused; according to the bank account generation method provided by the embodiment of the invention, the storage time length can be set for the unselected accounts, and if the storage time length is exceeded, the unselected accounts are recovered.
In the embodiment of the invention, a preselected account number request submitted by a client is received; when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account; generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number; and a check bit is added to the basic account to generate a bank account for the customer, so that a customized account can be generated for the customer in a personalized way according to a preselected account request of the customer, the purpose of customized generation of the bank account according to the customer needs is realized, the bank account is generated by combining random account data of different account sections with customer customized data, the scattered generation of the bank account in different account sections is realized, compared with the prior art, the situation of avoiding the burden of a processing system due to the concentration of the account is avoided, and the transaction execution efficiency is improved.
In the embodiment, the function of the customizable account is provided for the bank client, the interaction between the client and the bank is promoted, so that a single meaningless account number is changed into a number which is significant to the client, the client can configure the account according to the like, the system friendliness is improved, the client experience is enhanced, and the client adhesiveness is increased; when the accounts are distributed, the generated accounts are uniformly distributed in different intervals, so that account hot spots are prevented from being concentrated, and the transaction execution efficiency is improved. The embodiment of the invention can improve the autonomy and participation of the client on the basis of meeting the requirement of the client on the self-selection of the account number, ensure the uniform distribution of the account number, ensure the normal operation of the bank transaction and also meet the requirement of a bank system on the distribution and management of account number resources to the greatest extent.
In the embodiment, the method and the device can also respond to the abandoned account request initiated by the client actively, and can recycle the account and release and reuse account resources when the client does not intend to continue using the account, so that resource waste can be avoided, and the system can also automatically recycle the account which is unused for an excessive time.
Based on the same inventive concept, the embodiment of the invention also provides a bank account generating device, as described in the following embodiment. Because the principle of the bank account number generating device for solving the problem is similar to that of the bank account number generating method, the implementation of the bank account number generating device can refer to the implementation of the bank account number generating method, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
Fig. 5 is a block diagram of a bank account generating apparatus according to an embodiment of the present invention, as shown in fig. 5, including:
the pre-selected account request receiving module 01 is used for receiving a pre-selected account request submitted by a client;
the client customization data generating module 02 is configured to generate client customization data according to the preselected account request when the preselected account request is a customized account request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account;
a basic account generation module 03, configured to generate a basic account according to the client customization data and pre-generated random account data located in different account segments; the random account number data is used for supplementing the number which is not customized by the user in the bank account number;
and the bank account generation module 04 is used for adding check bits to the basic account and generating a bank account for the client.
In one embodiment, the custom data generation module is specifically configured to: and screening and translating the preselected account number request to generate customer customized data.
In an embodiment, the bank account generating device provided by the embodiment of the present invention may further include: a random account data generation module for: the random account data at different account segments are pre-generated as follows: acquiring a transaction serial number and a transaction date of a client and a current available account section; generating a random account seed according to the transaction serial number and the transaction date of the client; and generating random account data positioned in different account segments according to the currently available account segments and the random account seeds.
In one embodiment, the random account data generation module is specifically configured to: dividing the current available account number section into available account number sections of a plurality of interval sections; and generating random account data positioned in different account segments according to the available account segments of the plurality of interval segments and the random account seeds.
In an embodiment, the bank account generation module is specifically configured to: and adding check bits to the basic account number, and generating one or more bank account numbers positioned in different account number sections for the client.
In an embodiment, the bank account generation module is further configured to: after generating a plurality of bank accounts located in different account sections for the customer, if the number of the generated bank accounts does not reach the preset number, executing the following steps:
invoking a random account data generation module to regenerate random account data; calling a basic account generation module, and regenerating a basic account according to the client customization data and the regenerated random account data;
adding check bits to the regenerated basic account numbers, and regenerating a plurality of bank account numbers positioned in different account number sections for the clients; and if the number of the regenerated bank accounts still does not reach the preset number, re-executing the steps until the number of the generated bank accounts reaches the preset number.
For example, as shown in fig. 6, fig. 6 is a schematic structural diagram of a bank account generating device according to an embodiment of the present invention, where a pre-selected account request receiving module in fig. 6 may be used to receive a pre-selected account request from a business layer, such as a client initiated request; the client customization data generating module can be a representation layer in the embodiment, and is used for screening and translating the client request and transmitting the processed data to an application layer for preselection; the random account number data generation module, the basic account number generation module and the bank account number generation module can be application layers in the embodiment, and are used for acquiring a basic account number through a specific algorithm according to client customization data provided by the presentation layer, such as the translated business number, and combining random account number data, such as basic data stored by the data layer; adding check bits to the basic account, and generating bank accounts with different account sections for the clients; the bank account number generating device provided by the embodiment of the invention can further comprise: the storage layer is used as a basic database for storing accounts, is a data base of the whole bank account generating device, is divided into three types of storage spaces according to account states, and is respectively a resource pool, an alternative pool and a final selection pool. Wherein the resource pool stores all available account number segments, including allocated and unallocated account number segments; the alternative pool stores account numbers which are pre-selected for account opening and are selected by clients, and if the account numbers exceed a time threshold value, the account numbers are automatically released back to the resource pool; the final selection pool is the account number that the customer finally selects, and the account number in this pool means that it has been selected, and other customers can no longer screen the resources in the pool.
In the above embodiment, the flow diagram of the presentation layer in fig. 6 is shown in fig. 7, and fig. 7 is a schematic structural diagram of a bank account generation device provided in the embodiment of the present invention, in fig. 7, the customer customized data generation module may be a presentation layer in the embodiment, and the presentation layer may be configured to receive a customer initiation request from a service layer, and determine that the customer initiation request received by the presentation layer is a random account request, and if the customer initiation request is a random account request, then randomly generate an account; if the customer initiated request is a customized account request, the customized account is provided according to certain screening conditions, for example, the customized account is provided according to certain screening conditions, such as the combination of year, month, day or special numbers at the positions of certain digits in the account, or the requirement that digits with tail numbers being lucky numbers are customized; then, carrying out data inspection on the customized account request, analyzing to obtain customer customized data, such as the number customized by the customer and the position of the number in the bank account, and combining the customer customized data; after a customer initiating request is processed, carrying out rule screening and feature processing on the customer customized data, wherein the rule screening is used for checking whether the customer customized data accords with preset bank account customized rules or not; the feature processing is used for adding features and encrypting the client customization data, and is used for avoiding the interception of the client customization data in the process of transmitting the client customization data, so that the security of bank account generation is improved and the privacy of the client is ensured; the final presentation layer sends the generated custom data to the base account generation module, such as the application layer in this embodiment.
In the above embodiment, the flow diagram of the application layer in fig. 6 is shown in fig. 8, and fig. 8 is a schematic structural diagram of a bank account generating device according to an embodiment of the present invention. In FIG. 8, the custom data generation module may be a presentation layer in an embodiment. As shown in fig. 8, the random account data generation module may be configured to: after receiving client customization data of a presentation layer, firstly pre-selecting the client customization data, acquiring a current available account number section, a starting number of each account number section and an ending number of each account number section from a resource pool, and acquiring a transaction serial number and a transaction date of a client; then according to the transaction serial number and the transaction date of the client, combining the RANDOM number to generate a RANDOM account number seed, for example, 16-bit RANDOM seed is generated according to the transaction serial number, the RANDOM number and the transaction date, and the RANDOM account number seed is generated by using a RANDOM seed through a RANDOM DOM (RANDOM) algorithm; the current available account number section can be divided into available account number sections positioned in a plurality of interval sections; and selecting available account segments positioned in a plurality of interval segments according to preset initial numbers of the account segments, and generating random account data positioned in different account segments by combining random account seeds.
In the above embodiment, the basic account generation module in fig. 8 may be used to: firstly, judging a client selection account generation mode, if the client selection account generation mode is a client customization account mode, generating a basic account according to client customization data and pre-generated random account data positioned in different account sections, and if the random account data is spliced with a client selection column, generating the basic account; if the client selects an account generation mode to be a mode of randomly generating a basic account, directly randomly generating the basic account;
in the above embodiment, the bank account generation module in fig. 8 may be used to: adding check bits to the basic account; the bank account generation module may be further configured to: judging whether the generated bank account is in an alternative pool or a final pool; the alternative pool and the final pool are structures in the bank account number storage device provided by the embodiment of the invention, and the alternative pool is used for storing a data area of part of numbers screened out according to screening conditions and selected by a customer; and (5) final selection pool: a data area for storing the finally selected number; if the bank account generation module judges that the generated bank account is not in the alternative pool or the final selection pool, the generated bank account is put into the alternative pool; if the bank account generation module judges that the generated bank account is in the alternative pool or the final pool, the generated bank account is judged to be occupied, and the bank account needs to be regenerated.
In the above embodiment, the bank account generation module in fig. 8 may be further configured to: if the number of the bank accounts does not reach a preset number (such as N) when a plurality of bank accounts are generated, changing random account data, such as changing a transaction serial number; the basic account generation module is also used for: regenerating a basic account according to the client customization condition data and the regenerated random account data; the bank account generation module is also used for: adding check bits to the regenerated basic account numbers, and regenerating a plurality of bank account numbers; and repeatedly executing the steps until the number of the regenerated bank accounts reaches a preset value.
The bank account number generation device provided by the embodiment of the invention can comprise: the verification code generation module is shown in fig. 9, and fig. 9 is a schematic structural diagram of a bank account generation device provided by the embodiment of the invention, after the bank account is generated, a random verification code seed is generated according to the generated bank account, a transaction serial number, a transaction time and a transaction date; then generating a verification code corresponding to the bank account number according to the RANDOM verification code seeds by a RANDOM algorithm; finally, the generated bank account and the verification code corresponding to the bank account are put into a final selection pool, and the combination of the bank account and the verification code is locked, so that one bank account corresponds to one verification code, and the security of selecting the bank account is ensured; if multiple bank accounts are generated, the customer can select an account from the generated multiple bank accounts, and after the customer determines the selected account, the account and the corresponding verification code are sent to the customer together.
The bank account number generation device provided by the embodiment of the invention can comprise: the account recovery module is used for recovering the account if the customer does not use the account after the customer selects a certain account from the bank accounts in the alternative pool, and the recovered account enters the resource pool again for reuse; the account recovery module can also set a storage duration for the unselected accounts in the alternative pool, and if the storage duration is exceeded, the unselected accounts are recovered.
As an example, as shown in fig. 10, fig. 10 is a schematic diagram of an account generating device according to an embodiment of the present invention, and the flow in fig. 10 is as follows:
1. a client initiates a preselected account number request through a self-service channel;
2. the account generation mode is random and customized, a customer selects a required mode, and if the account is customized, an account template which is expected to be generated is filled in;
3. the account generating device generates customer customization data by using a seed algorithm according to a selection mode and a screening rule of a customer;
4. generating a needed basic account number by using the customer customized data, adding a check position to the basic account number to obtain a bank account number, and putting the generated bank account number into an alternative pool;
5. returning the generated bank account number to the customer for the customer to select;
6. after a customer selects one account in the generated bank accounts, locking the account selected by the customer;
7. the account generation device generates a corresponding verification code according to the account selected by the customer;
8. the customer holds the selected account number and verification code to conduct account open transaction; after the account is successfully opened, the selected account can be used as a common account;
9. if the customer does not need the account, recycling treatment can be carried out, and the recycled account enters a resource pool for reuse;
10. the account generating device sets a term for accounts in the alternative pool, and the unused accounts exceeding the term are automatically recovered;
the embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the method.
In the embodiment of the invention, a preselected account number request submitted by a client is received; when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account; generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number; and a check bit is added to the basic account to generate a bank account for the customer, so that a customized account can be generated for the customer in a personalized way according to a preselected account request of the customer, the purpose of customized generation of the bank account according to the customer needs is realized, the bank account is generated by combining random account data of different account sections with customer customized data, the scattered generation of the bank account in different account sections is realized, compared with the prior art, the situation of avoiding the burden of a processing system due to the concentration of the account is avoided, and the transaction execution efficiency is improved.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, and various modifications and variations can be made to the embodiments of the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (9)
1. The bank account generation method is characterized by comprising the following steps of:
receiving a preselected account number request submitted by a client;
when the preselected account number request is a customized account number request, generating customer customized data according to the preselected account number request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account;
generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number;
adding check bits to the basic account number, and generating a bank account number for a customer;
further comprises: the random account data at different account segments are pre-generated as follows:
acquiring a transaction serial number and a transaction date of a client and a current available account section;
generating a random account seed according to the transaction serial number and the transaction date of the client;
and generating random account data positioned in different account segments according to the currently available account segments and the random account seeds.
2. The method of claim 1, wherein generating customer customization data from the pre-selected account number request includes:
and screening and translating the preselected account number request to generate customer customized data.
3. The method of claim 1, wherein generating random account data for different account segments based on the currently available account segments and the random account seeds comprises:
dividing the current available account number section into available account number sections of a plurality of interval sections;
and generating random account data positioned in different account segments according to the available account segments of the plurality of interval segments and the random account seeds.
4. The method of claim 1, wherein adding a check bit to the base account number generates a bank account number for a customer, comprising:
and adding check bits to the basic account number, and generating one or more bank account numbers positioned in different account number sections for the client.
5. The method of claim 4, wherein after generating a plurality of bank accounts for the customer, the following steps are performed if the number of generated bank accounts does not reach a preset number:
regenerating random account data; regenerating a basic account according to the client customization data and the regenerated random account data; adding check bits to the regenerated basic account numbers, and regenerating a plurality of bank account numbers positioned in different account number sections for the clients;
and if the number of the regenerated bank accounts still does not reach the preset number, re-executing the steps until the number of the generated bank accounts reaches the preset number.
6. A bank account number generation apparatus, comprising:
the pre-selection account request receiving module is used for receiving a pre-selection account request submitted by a client;
the customer customized data generation module is used for generating customer customized data according to the preselected account request when the preselected account request is a customized account request; the customer customization data comprises the number customized by the customer and the position of the number in the bank account;
the basic account generation module is used for generating a basic account according to the client customization data and the pre-generated random account data positioned in different account sections; the random account number data is used for supplementing the number which is not customized by the user in the bank account number;
the bank account generation module is used for adding check bits to the basic account and generating a bank account for a client;
further comprises: a random account data generation module for: the random account data at different account segments are pre-generated as follows:
acquiring a transaction serial number and a transaction date of a client and a current available account section;
generating a random account seed according to the transaction serial number and the transaction date of the client;
and generating random account data positioned in different account segments according to the currently available account segments and the random account seeds.
7. The apparatus of claim 6, wherein the custom data generation module is specifically configured to:
and screening and translating the preselected account number request to generate customer customized data.
8. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 5 when executing the computer program.
9. A computer readable storage medium storing a computer program executable by a computer to implement the method of any one of claims 1 to 5.
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