CN112132691B - Account data processing method, device, equipment and readable storage medium - Google Patents
Account data processing method, device, equipment and readable storage medium Download PDFInfo
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Abstract
The embodiment of the application provides a processing method, a device, equipment and a readable storage medium of account data, and the method, the device and the equipment respond to an account opening instruction to acquire first account information. And sending the first account information to a preset blockchain. And responding to the signing instruction, acquiring first financial information, generating second account information according to the first financial information and the first account information, and sending the first financial information and the second account information to the blockchain. The block chain has the characteristics of non-falsification and high safety, the information of the main account and the information of the financial account are stored in an uplink mode, compared with the prior art, the method has the advantages that the information of the main account is only stored in an account system of an opening bank of the main account, the information of the financial account is only stored in a financial system of the opening bank, the safety of the information is low, cross-bank financial management cannot be realized, the safety and traceability of the information of the main account and the information of the financial account are improved, and the main account can realize transactions of financial products belonging to different banking systems.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a method, an apparatus, a device, and a readable storage medium for processing account data.
Background
At present, when a customer purchases an investment financial product across rows, a main account across rows is firstly opened, a plurality of financial accounts are opened on the main account across rows, and a financial system of a bank can only perform operation of the investment financial product authorized by the financial account in the financial accounts belonging to the main account of the present row.
Therefore, when a customer purchases different types of investment financial products, a financial account needs to be opened for each financial type, the account opening process of the financial account is time-consuming and labor-consuming, and one financial account is only authorized to perform one type of operation of investment financial products, so that the transaction efficiency of the financial products is low and the circulation efficiency is low.
Disclosure of Invention
The application provides a method, a device, equipment and a readable storage medium for processing account data, which are as follows:
a method of processing account data, comprising:
responding to an account opening instruction, acquiring first account information, wherein the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the account opening row information uniquely indicate the main account;
Transmitting the first account information to a preset blockchain;
acquiring first financial information in response to a subscription instruction, wherein the subscription instruction indicates opening of a financial account, and the first financial information comprises: the identity information, the main account information, the financial product category, the load amount and the account opening row information uniquely indicate the financial account;
generating second account information according to the first financial information and the first account information, wherein the second account information comprises the identity information, the main account information, updated balance and the account opening line information, and the updated balance is a difference value between the balance and the load amount;
and sending the first financial information and the second account information to the blockchain.
Optionally, the processing method of the account data further includes:
acquiring purchase information in response to a purchase instruction, wherein the purchase instruction is used for purchasing a financial product, and the purchase information comprises the identity information, the main account information, the investment financial category, a financial product name, the account opening information and transaction amount;
Acquiring second financial information according to the buying information and the first financial information, wherein the second financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the difference value between the load amount and the transaction amount in the first financial information;
and sending the second financial information to the blockchain.
Optionally, after the acquiring the purchase information, the method further includes:
obtaining an auditing result according to the buying information and the first financial information;
and when the transaction amount is not more than the load amount in the first financial information, the auditing result indicates that the purchase of the financial product is refused.
Optionally, the processing method of the account data further includes:
in response to a settlement instruction, acquiring transaction information, the settlement instruction indicating settlement of a transaction of the financial product, the transaction information including: the identity information, the main account information, the financial product category, the transaction name, the transaction amount, the transaction price and the account opening information;
Calculating the amount of the surplus and the shortage according to the transaction information;
acquiring third financial information according to the profit and loss amount and the second financial information, wherein the third financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the sum of the load amount and the surplus and shortage amount in the second financial information;
and sending the transaction information and the second financial information to the blockchain.
Optionally, the processing method of the account data further includes:
responding to the offer instruction, and generating fourth financial information; the offer information indicates an offer for the type of financial product, and the fourth financial information includes: the identity information, the main account information, the financial product category, a release identifier and the account opening row information, wherein the release identifier indicates zero clearing of the load amount;
acquiring third account information according to the second account information and the third financial information, wherein the third account information comprises: the identity information, the main account information, the updated balance and the account opening line information, wherein the updated balance is the sum of the balance in the second account information and the load amount in the third financial account;
And sending the fourth financial information and the third account information to the blockchain.
Optionally, the identity information includes: customer name, credential type, and credential number, the primary account information including: the account type and account number of the primary account.
Optionally, the processing method of the account data further includes:
recording a time of transmitting each account information to the blockchain as a billing time of the account information, taking a latest time of the billing time of the account information as a first time, the account information including: the first account information, the second account information, or the third account information;
recording the time of sending each financial information to the blockchain as the billing time of the financial information, and taking the latest time in the billing time of the financial information as the second time.
An account data processing apparatus, comprising:
the system comprises a first account information acquisition unit, a second account information acquisition unit and a control unit, wherein the first account information acquisition unit is used for responding to an account opening instruction, the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the account opening row information uniquely indicate the main account;
And the first sending unit is used for sending the first account information to a preset blockchain.
The first financial information obtaining unit is used for responding to a subscription instruction, the subscription instruction indicates to open a financial account, and the first financial information comprises: the identity information, the main account information, the financial product category, the load amount and the account opening row information uniquely indicate the financial account;
the second account information acquisition unit is used for generating second account information according to the first financial information and the first account information, wherein the second account information comprises the identity information, the main account information, updated balance and the account opening line information, and the updated balance is the difference value between the balance and the load amount;
and the second sending unit is used for sending the first financial information and the second account information to the blockchain.
An account data processing apparatus, comprising: a memory and a processor;
the memory is used for storing programs;
the processor is used for executing the program and realizing each step of the account data processing method.
A readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of a method of processing account data.
As can be seen from the above technical solutions, the embodiments of the present application provide a method, an apparatus, a device, and a readable storage medium for processing account data, where the embodiments of the present application provide a method, an apparatus, a device, and a readable storage medium for processing account data, and in response to an account opening instruction, first account information is obtained, and the account opening instruction indicates opening a main account. And sending the first account information to a preset blockchain. And responding to the subscription instruction, acquiring first financial information, wherein the subscription instruction indicates to open a financial account, generating second account information according to the first financial information and the first account information, and sending the first financial information and the second account information to the blockchain. The blockchain has the characteristic of non-falsification, the security of data storage is high, the information of the main account and the information of the financial account are stored in an uplink manner, compared with the prior art, the information of the main account is stored in an account system, the information of the financial account is stored in the financial system, the security of the information is low, the security and traceability of the information of the main account and the information of the financial account are improved, and the main account can realize subscription of financial products belonging to different bank systems, so that the transaction efficiency and circulation efficiency of the financial products are improved.
Drawings
In order to more clearly illustrate the embodiments of the application 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 application, 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 specific implementation of a method for processing account data according to an embodiment of the present application;
fig. 2 is a flow chart of a method for processing account data according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an account data processing device according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of an account data processing device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application 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 application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The account data processing method provided by the embodiment of the application is applied to, but not limited to, a scene of signing, trading and solving financial products in a banking system. The method is applied to a banking system.
Fig. 1 is a flow chart of a method for processing account data according to an embodiment of the present application, as shown in fig. 1, may specifically include the following S101 to S123.
S101, responding to an account opening instruction, and acquiring first account information.
In this embodiment, the account opening instruction is triggered by the user after the account system opens the main account, and the first account information includes: identity information, main account information, balance and account opening line information, wherein the identity information comprises: customer name, credential type, and credential number, the primary account information includes: the account type, account number, and account opening information are the name (or number) of the account opening row of the main account.
In this embodiment, the identity information and the issuer information uniquely identify the primary account.
S102, the first account information is sent to a preset blockchain.
It should be noted that, the first account information is sent to a preset blockchain for the blockchain to uplink the first account information.
In this embodiment, the time of the first account information uplink is recorded as the first time.
It should be noted that, in the process of storing the information of the main account (i.e., the first account information) to the blockchain in the scenario that the client opens the main account, because the blockchain has the characteristic of non-falsification and the security of data storage is high, the information of the main account is stored in the uplink, so that the security and traceability of the information of the main account can be ensured, and the main account can realize subscription of financial products belonging to different banking systems.
S103, responding to the signing instruction, and acquiring first financial information.
In this embodiment, the subscription instruction is sent by the financial system after signing up the financial account, and after receiving the subscription instruction, the subscription information of the financial account is obtained from the financial system as first financial information, where the first financial information includes: identity information (including customer name, certificate type, and certificate number), financial product category, load amount, and account opening information.
It should be noted that the load amount is a total amount of at least one financial product included in the category of the purchased financial product, which is obtained in response to the load operation of the customer. It will be appreciated that the load amount is only for purchases of financial products belonging to the category of financial products.
S104, the first financial information is sent to a preset block chain.
It should be noted that, the first financial information is sent to a preset blockchain for the blockchain to uplink the first financial information.
In this embodiment, the time of the first financial information uplink is recorded, and as the second time, identity information, a financial product category and account opening line information in the first financial information uniquely identify the financial account.
S105, when the first financial information is acquired, generating second account information according to the first financial information and the first account information.
In this embodiment, the second account information includes: identity information (customer name, credential type, and credential number), account information (account type and account number), updated balance, issuer information. The updated balance is the difference between the balance in the first account information and the load amount in the first financial information.
S106, the second account information is sent to a preset blockchain.
It should be noted that, the second account information is sent to a preset blockchain for the blockchain to uplink the second account information.
In this embodiment, the first time is updated to the time when the second account information is uplink.
It should be noted that, when S103 to S106 are processes of generating the first financial information and the second account information and storing the first financial information and the second account information in an uplink manner when the client signs up for the financial account through the financial system, it can be understood that the financial account in the application is a virtual account, and conventional account opening operation is not required, and the financial account is automatically generated when signing up for the financial product.
From the above, the first financial information is subscription information of the financial account, and since the blockchain has the characteristic of non-falsification and the security of data storage is high, the first financial information is stored in a uplink manner, so that the security and traceability of the subscription information can be ensured, and the second account information is information of the main account obtained by subtracting the load amount from the balance, so that the change process of the information of the main account is recorded by storing the second account information in the uplink manner, and the first time is used as the information uplink time of the main account after the last update, so that the information of the main account at the current time can be conveniently queried.
S107, acquiring buying information in response to the buying instruction.
In this embodiment, the purchase instruction is sent by the financial system after the purchase transaction is initiated, and after receiving the purchase instruction, the purchase instruction obtains purchase information from the financial system, where the purchase information is generated by the financial system according to the purchase transaction, and includes: identity information (customer name, certificate type, and certificate number), account information (account type and account number), investment financial category, financial product name, issuer, and transaction amount.
S108, obtaining an auditing result according to the buying information and the first financial information.
In this embodiment, the audit results indicate that the purchase transaction passed or failed.
In this embodiment, the method for obtaining the audit result according to the purchase information and the first financial information includes:
a1, acquiring target financial information in a blockchain according to the certificate type, the certificate number, the account type and the financial product category in the buying information. The target financial information is the same identity information, the same financial product category, and the same account opening information as the purchase information, and the uplink time is the financial information of the second time.
A2, judging whether the transaction amount in the buying information is larger than the load amount in the target financing information.
A3, when the transaction amount is not greater than the load amount, the auditing result indicates that the purchase transaction passes.
And A4, when the transaction amount is larger than the load amount, the auditing result indicates that the purchase transaction does not pass.
S109, sending the auditing result to the financial system.
S110, under the condition that the transaction amount is not more than the load amount, acquiring second financial information according to the buying information and the first financial information.
In this embodiment, the second financial information includes: identity information (including customer name, certificate type, and certificate number), financial product category, updated load amount, issuer information. Wherein the updated load amount is equal to a difference between the load amount in the first financial information and the transaction amount in the purchase information.
And S111, sending the second financial information to a preset block chain.
It should be noted that, the second financial information is sent to a preset blockchain for the blockchain to store the second financial information in an uplink manner.
In this embodiment, the second time is updated to the uplink time of the second financial information.
It should be noted that, S107 to S111 are processes of generating second financial information and uploading the second financial information when the customer performs a transaction in the financial account through the financial system, and the first financial information is information of the financial account after the purchase transaction occurs, and since the blockchain has a characteristic of non-falsification, the security of data storage is high, the second financial information is saved in an uplink manner, a change process of the information of the financial account is recorded, and the second time is used as the information uplink time of the financial account after the last update, so that the information of the financial account at the current time can be conveniently queried.
S112, responding to the settlement instruction, and acquiring transaction information.
In this embodiment, the settlement instruction is sent by the financial system at a preset settlement time, and after receiving the settlement instruction, transaction information is obtained from the financial system, including: customer name, certificate type, certificate number, account type, account number, financial product name, transaction amount, transaction price, and issuer.
S113, calculating the amount of the surplus and the shortage according to the transaction information.
In this embodiment, the method for calculating the profit and loss amount may refer to the prior art, and the calculated profit and loss amount includes the profit amount or the loss amount.
S114, acquiring third financial information according to the amount of the surplus and the second financial information.
In this embodiment, the third financial information includes: customer name, certificate type, certificate number, financial product category, updated load amount, and account opening line, wherein the updated load amount is equal to the sum of the load amount and the profit amount in the second financial information, or the difference between the load amount and the loss amount.
S115, sending the third financial information and the transaction information to the blockchain.
It should be noted that, the third financial information and the transaction information are sent to the blockchain, and the blockchain is used for uplink saving of the third financial information and the transaction information.
In this embodiment, the second time is updated to the time when the third financial information is uplink.
It should be noted that, S112 to S115 are processes of generating third financial information and uploading the third financial information to the customer when the customer settles in the financial account through the financial system, and the third financial information is information of the financial account after settlement occurs, and since the blockchain has a characteristic of non-falsification, the security of data storage is high, the third financial information is saved in an uplink manner, a change process of the information of the financial account is recorded, and the second time is used as the information uplink time of the financial account updated last time, so that the information of the financial account at the current time can be conveniently queried.
And S116, generating fourth financial information and third account information in response to the offer instruction.
In this embodiment, the offer instruction is issued by the financial system after the offer of the financial product, and the offer instruction at least includes: identity information (including customer name, certificate type, and certificate number), financial product name, and issuer information. The offer instruction instructs the financial account to offer.
In this embodiment, the fourth financial information includes identity information (including a customer name, a certificate type, and a certificate number), a financial product category, a release identifier, and account opening information. Wherein the release identifier indicates a load amount of 0 for the financial category. The third account information includes: identity information (customer name, credential type, and credential number), account information (account type and account number), updated balance, issuer information. The updated balance is the sum of the load amount in the third financial information and the balance in the second account information.
S117, sending fourth financial information and third account information to the blockchain.
The fourth financial information and the third account information are sent to the blockchain for the blockchain to store the fourth financial information and the third account information in an uplink manner.
The first time is updated to the time of the third account information uplink, and the second time is updated to the time of the fourth financial information uplink.
When the customer makes a contract in the financial account through the financial system, S116 to S117 are the processes of generating fourth financial information and third account information, and storing the fourth financial information and the third account information, wherein the fourth financial information is the information of the financial account after the contract is made, and the block chain has the characteristic of non-falsification, so that the security of data storage is high, the fourth financial information is stored in an uplink manner, the change process of the information of the financial account is recorded, the third account information is stored in an uplink manner, and the change process of the information of the main account is recorded. The first time is used as the information uplink time of the main account updated last time, so that the information of the main account at the current time can be conveniently queried. The second time is used as the information uplink time of the financial account updated last time, so that the information of the financial account at the current time can be conveniently inquired.
According to the technical scheme, when each transaction occurs, the account data processing method generates the information of the main account and/or the information of the financial account, stores the generated information of the main account and/or the information of the financial account in an uplink mode, combines the characteristics of non-tampering and high safety of the blockchain, ensures traceability and safety of the information of the main account and/or the information of the financial account, can be used for signing financial products in different financial systems, does not need to perform traditional account opening operation for each financial product, only needs to sign up the financial product, and presets the amount of the signed financial product type for the money transfer, and can automatically generate the financial account.
It should be noted that, fig. 1 illustrates a specific implementation method for acquiring information from a financial system and generating information of a main account or information of a financial account in response to different instructions, where the instructions include, but are not limited to: the specific implementation manner of the method for processing account data according to the embodiment of the present application includes, but is not limited to, the flow shown in fig. 1, for example, S116 to S117 are optional steps.
In summary, the method for processing account data provided in the embodiment of the present application may be summarized as a flow chart of a method for processing account data shown in fig. 2, and as shown in fig. 2, the method may include S201 to S205.
S201, responding to an account opening instruction, and acquiring first account information.
In this embodiment, the account opening instruction is triggered by the user after the account system opens the main account, and the first account information includes: identity information, primary account information, balance, account opening information, in this embodiment, the identity information and the account opening information uniquely identify the primary account.
S202, the first account information is sent to a preset blockchain.
It should be noted that, the first account information is sent to a preset blockchain for the blockchain to uplink and save the first account information. The method for transmitting to the preset blockchain may refer to the prior art, and this embodiment is not described in detail.
S203, responding to the signing instruction, and acquiring first financial information.
In this embodiment, a subscription instruction is triggered by a financial system after signing up a financial account, and is used to indicate a category of a subscription financial product. Identity information, financial product category, load amount, and account opening line information.
It should be noted that the load amount is a total amount of at least one financial product included in the category of the purchased financial product, which is obtained in response to the load operation of the customer. It will be appreciated that the load amount is only for purchases of financial products belonging to the category of financial products.
S204, generating second account information according to the first financial information and the first account information.
In this embodiment, the second account information includes: identity information, account information, updated balance, and issuer information. The updated balance is the difference between the balance in the first account information and the load amount in the first financial information.
S205, the first financial information and the second account information are sent to the blockchain.
It should be noted that, the first financial information is sent to a preset blockchain for the blockchain to uplink the first financial information. Transmitting the second account information to a preset blockchain for the blockchain to uplink the second account information
In this embodiment, the identity information, the financial product category and the account opening line information in the first financial information uniquely identify the financial account.
The embodiment of the application provides a processing method, a device, equipment and a readable storage medium of account data, which are used for responding to an account opening instruction to acquire first account information, wherein the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the issuer information uniquely indicate the primary account. And sending the first account information to a preset blockchain. In response to a subscription instruction, acquiring first financial information, wherein the subscription instruction indicates opening of a financial account, and the first financial information comprises: identity information, primary account information, financial product category, load amount, account opening information, identity information, financial product category, and account opening information uniquely indicate a financial account. Generating second account information according to the first financial information and the first account information, wherein the second account information comprises identity information, main account information, updated balance and account opening row information, and the updated balance is the difference between the balance and the load amount. And sending the first financial information and the second account information to the blockchain. Because the blockchain has the characteristic of non-falsification, the security of data storage is high, the information of the main account and the information of the financial account are stored in the uplink, compared with the prior art, the information of the main account is stored in an account system and the information of the financial account is stored in the financial system, so that the security of the information is low.
Fig. 3 is a schematic structural diagram of an apparatus for processing account data according to an embodiment of the present application, where, as shown in fig. 3, the apparatus may include:
the system comprises a first account information acquisition unit, a second account information acquisition unit and a control unit, wherein the first account information acquisition unit is used for responding to an account opening instruction, the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the account opening row information uniquely indicate the main account;
and the first sending unit is used for sending the first account information to a preset blockchain.
The first financial information obtaining unit is used for responding to a subscription instruction, the subscription instruction indicates to open a financial account, and the first financial information comprises: the identity information, the main account information, the financial product category, the load amount and the account opening row information uniquely indicate the financial account;
the second account information acquisition unit is used for generating second account information according to the first financial information and the first account information, wherein the second account information comprises the identity information, the main account information, updated balance and the account opening line information, and the updated balance is the difference value between the balance and the load amount;
And the second sending unit is used for sending the first financial information and the second account information to the blockchain.
Optionally, the processing device of account data further includes:
a purchase information acquisition unit configured to acquire purchase information in response to a purchase instruction, the purchase indicating purchase of a financial product, the purchase information including the identity information, the main account information, the investment financial category, a financial product name, the account opening line information, and a transaction amount;
the second financial information obtaining unit is configured to obtain second financial information according to the purchase information and the first financial information, where the second financial information includes: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the difference value between the load amount and the transaction amount in the first financial information;
and the third sending unit is used for sending the second financial information to the blockchain.
Optionally, the processing device of account data further includes: the auditing unit is used for after the acquisition of the buying information:
obtaining an auditing result according to the buying information and the first financial information;
And when the transaction amount is not more than the load amount in the first financial information, the auditing result indicates that the purchase of the financial product is refused.
Optionally, the processing device of account data further includes:
a transaction information acquisition unit configured to acquire transaction information in response to a settlement instruction indicating settlement of a transaction of the financial product, the transaction information including: the identity information, the main account information, the financial product category, the transaction name, the transaction amount, the transaction price and the account opening information;
the profit and loss calculation unit is used for calculating the profit and loss amount according to the transaction information;
the third financial information obtaining unit is configured to obtain third financial information according to the profit and loss amount and the second financial information, where the third financial information includes: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the sum of the load amount and the surplus and shortage amount in the second financial information;
And the fourth sending unit is used for sending the transaction information and the second financial information to the blockchain.
Optionally, the processing device of account data further includes:
the fourth financial information acquisition unit is used for responding to the offer command and generating fourth financial information; the offer information indicates an offer for the type of financial product, and the fourth financial information includes: the identity information, the main account information, the financial product category, a release identifier and the account opening row information, wherein the release identifier indicates zero clearing of the load amount;
a third account information obtaining unit, configured to obtain third account information according to the second account information and the third financial information, where the third account information includes: the identity information, the main account information, the updated balance and the account opening line information, wherein the updated balance is the sum of the balance in the second account information and the load amount in the third financial account;
and a fifth sending unit, configured to send the fourth financial information and the third account information to the blockchain.
Optionally, the identity information includes: customer name, credential type, and credential number, the primary account information including: the account type and account number of the primary account.
Optionally, the processing device of account data further comprises a time recording unit for:
recording a time of transmitting each account information to the blockchain as a billing time of the account information, taking a latest time of the billing time of the account information as a first time, the account information including: the first account information, the second account information, or the third account information;
recording the time of sending each financial information to the blockchain as the billing time of the financial information, and taking the latest time in the billing time of the financial information as the second time.
Fig. 4 shows a schematic structural diagram of a processing device of the account data, which may include: at least one processor 401, at least one communication interface 402, at least one memory 403, and at least one communication bus 404;
in the embodiment of the present application, the number of the processor 401, the communication interface 402, the memory 403 and the communication bus 404 is at least one, and the processor 401, the communication interface 402 and the memory 403 complete communication with each other through the communication bus 404;
processor 401 may be a central processing unit CPU, or a specific integrated circuit ASIC (Application Specific Integrated Circuit), or one or more integrated circuits configured to implement embodiments of the present application, etc.;
The memory 403 may include a high-speed RAM memory, and may further include a non-volatile memory (non-volatile memory), etc., such as at least one magnetic disk memory;
the memory stores a program, and the processor can execute the program stored in the memory to implement the steps of the account data processing method provided by the embodiment of the application, as follows:
responding to an account opening instruction, acquiring first account information, wherein the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the account opening row information uniquely indicate the main account;
transmitting the first account information to a preset blockchain;
acquiring first financial information in response to a subscription instruction, wherein the subscription instruction indicates opening of a financial account, and the first financial information comprises: the identity information, the main account information, the financial product category, the load amount and the account opening row information uniquely indicate the financial account;
generating second account information according to the first financial information and the first account information, wherein the second account information comprises the identity information, the main account information, updated balance and the account opening line information, and the updated balance is a difference value between the balance and the load amount;
And sending the first financial information and the second account information to the blockchain.
Optionally, the processing method of the account data further includes:
acquiring purchase information in response to a purchase instruction, wherein the purchase instruction is used for purchasing a financial product, and the purchase information comprises the identity information, the main account information, the investment financial category, a financial product name, the account opening information and transaction amount;
acquiring second financial information according to the buying information and the first financial information, wherein the second financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the difference value between the load amount and the transaction amount in the first financial information;
and sending the second financial information to the blockchain.
Optionally, after the acquiring the purchase information, the method further includes:
obtaining an auditing result according to the buying information and the first financial information;
and when the transaction amount is not more than the load amount in the first financial information, the auditing result indicates that the purchase of the financial product is refused.
Optionally, the processing method of the account data further includes:
in response to a settlement instruction, acquiring transaction information, the settlement instruction indicating settlement of a transaction of the financial product, the transaction information including: the identity information, the main account information, the financial product category, the transaction name, the transaction amount, the transaction price and the account opening information;
calculating the amount of the surplus and the shortage according to the transaction information;
acquiring third financial information according to the profit and loss amount and the second financial information, wherein the third financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the sum of the load amount and the surplus and shortage amount in the second financial information;
and sending the transaction information and the second financial information to the blockchain.
Optionally, the processing method of the account data further includes:
responding to the offer instruction, and generating fourth financial information; the offer information indicates an offer for the type of financial product, and the fourth financial information includes: the identity information, the main account information, the financial product category, a release identifier and the account opening row information, wherein the release identifier indicates zero clearing of the load amount;
Acquiring third account information according to the second account information and the third financial information, wherein the third account information comprises: the identity information, the main account information, the updated balance and the account opening line information, wherein the updated balance is the sum of the balance in the second account information and the load amount in the third financial account;
and sending the fourth financial information and the third account information to the blockchain.
Optionally, the identity information includes: customer name, credential type, and credential number, the primary account information including: the account type and account number of the primary account.
Optionally, the processing method of the account data further includes:
recording a time of transmitting each account information to the blockchain as a billing time of the account information, taking a latest time of the billing time of the account information as a first time, the account information including: the first account information, the second account information, or the third account information;
recording the time of sending each financial information to the blockchain as the billing time of the financial information, and taking the latest time in the billing time of the financial information as the second time.
The embodiment of the application also provides a readable storage medium, which can store a computer program suitable for being executed by a processor, and when the computer program is executed by the processor, the steps of the processing method for account data provided by the embodiment of the application are realized as follows:
responding to an account opening instruction, acquiring first account information, wherein the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the account opening row information uniquely indicate the main account;
transmitting the first account information to a preset blockchain;
acquiring first financial information in response to a subscription instruction, wherein the subscription instruction indicates opening of a financial account, and the first financial information comprises: the identity information, the main account information, the financial product category, the load amount and the account opening row information uniquely indicate the financial account;
generating second account information according to the first financial information and the first account information, wherein the second account information comprises the identity information, the main account information, updated balance and the account opening line information, and the updated balance is a difference value between the balance and the load amount;
And sending the first financial information and the second account information to the blockchain.
Optionally, the processing method of the account data further includes:
acquiring purchase information in response to a purchase instruction, wherein the purchase instruction is used for purchasing a financial product, and the purchase information comprises the identity information, the main account information, the investment financial category, a financial product name, the account opening information and transaction amount;
acquiring second financial information according to the buying information and the first financial information, wherein the second financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the difference value between the load amount and the transaction amount in the first financial information;
and sending the second financial information to the blockchain.
Optionally, after the acquiring the purchase information, the method further includes:
obtaining an auditing result according to the buying information and the first financial information;
and when the transaction amount is not more than the load amount in the first financial information, the auditing result indicates that the purchase of the financial product is refused.
Optionally, the processing method of the account data further includes:
in response to a settlement instruction, acquiring transaction information, the settlement instruction indicating settlement of a transaction of the financial product, the transaction information including: the identity information, the main account information, the financial product category, the transaction name, the transaction amount, the transaction price and the account opening information;
calculating the amount of the surplus and the shortage according to the transaction information;
acquiring third financial information according to the profit and loss amount and the second financial information, wherein the third financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the sum of the load amount and the surplus and shortage amount in the second financial information;
and sending the transaction information and the second financial information to the blockchain.
Optionally, the processing method of the account data further includes:
responding to the offer instruction, and generating fourth financial information; the offer information indicates an offer for the type of financial product, and the fourth financial information includes: the identity information, the main account information, the financial product category, a release identifier and the account opening row information, wherein the release identifier indicates zero clearing of the load amount;
Acquiring third account information according to the second account information and the third financial information, wherein the third account information comprises: the identity information, the main account information, the updated balance and the account opening line information, wherein the updated balance is the sum of the balance in the second account information and the load amount in the third financial account;
and sending the fourth financial information and the third account information to the blockchain.
Optionally, the identity information includes: customer name, credential type, and credential number, the primary account information including: the account type and account number of the primary account.
Optionally, the processing method of the account data further includes:
recording a time of transmitting each account information to the blockchain as a billing time of the account information, taking a latest time of the billing time of the account information as a first time, the account information including: the first account information, the second account information, or the third account information;
recording the time of sending each financial information to the blockchain as the billing time of the financial information, and taking the latest time in the billing time of the financial information as the second time.
Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
In the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described in a different point from other embodiments, and identical and similar parts between the embodiments are all enough to refer to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method for processing account data, comprising:
responding to an account opening instruction, acquiring first account information, wherein the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the account opening row information uniquely indicate the main account;
transmitting the first account information to a preset blockchain;
acquiring first financial information in response to a subscription instruction, wherein the subscription instruction indicates opening of a financial account, and the first financial information comprises: the identity information, the main account information, the financial product category, the load amount and the account opening line information uniquely indicate the financial account;
generating second account information according to the first financial information and the first account information, wherein the second account information comprises the identity information, the main account information, updated balance and the account opening line information, and the updated balance is a difference value between the balance and the load amount;
and sending the first financial information and the second account information to the blockchain.
2. The method for processing account data according to claim 1, further comprising:
acquiring purchase information in response to a purchase instruction, the purchase instruction indicating the purchase of a financial product, the purchase information including the identity information, the primary account information, an investment financial category, a financial product name, the account opening information, and a transaction amount;
acquiring second financial information according to the buying information and the first financial information, wherein the second financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the difference value between the load amount and the transaction amount in the first financial information;
and sending the second financial information to the blockchain.
3. The method for processing account data according to claim 2, further comprising, after the acquisition of the purchase information:
obtaining an auditing result according to the buying information and the first financial information;
and when the transaction amount is not more than the load amount in the first financial information, the auditing result indicates that the purchase of the financial product is refused.
4. The method for processing account data according to claim 3, further comprising:
in response to a settlement instruction, acquiring transaction information, the settlement instruction indicating settlement of a transaction of the financial product, the transaction information including: the identity information, the main account information, the financial product category, the transaction name, the transaction amount, the transaction price and the account opening information;
calculating the amount of the surplus and the shortage according to the transaction information;
acquiring third financial information according to the profit and loss amount and the second financial information, wherein the third financial information comprises: the identity information, the main account information, the financial product category, the updated load amount and the account opening row information, wherein the updated load amount is the sum of the load amount and the surplus and shortage amount in the second financial information;
and sending the transaction information and the second financial information to the blockchain.
5. The method for processing account data according to claim 4, comprising:
responding to the offer instruction, and generating fourth financial information; the offer instruction instructs to offer the financial product type, and the fourth financial information includes: the identity information, the main account information, the financial product category, a release identifier and the account opening row information, wherein the release identifier indicates zero clearing of the load amount;
Acquiring third account information according to the second account information and the third financial information, wherein the third account information comprises: the identity information, the main account information, the updated balance and the account opening line information, wherein the updated balance is the sum of the balance in the second account information and the load amount in the third financial management information;
and sending the fourth financial information and the third account information to the blockchain.
6. The method for processing account data according to any one of claims 1 to 5, wherein the identity information includes: customer name, credential type, and credential number, the primary account information including: the account type and account number of the primary account.
7. The method for processing account data according to claim 5, further comprising:
recording a time of transmitting each account information to the blockchain as a billing time of the account information, taking a latest time of the billing time of the account information as a first time, the account information including: the first account information, the second account information, or the third account information;
Recording the time of sending each financial information to the blockchain as the billing time of the financial information, and taking the latest time in the billing time of the financial information as the second time.
8. An account data processing apparatus, comprising:
the system comprises a first account information acquisition unit, a second account information acquisition unit and a control unit, wherein the first account information acquisition unit is used for responding to an account opening instruction, the account opening instruction indicates to open a main account, and the first account information comprises identity information, main account information, balance and account opening row information; the identity information and the account opening row information uniquely indicate the main account;
the first sending unit is used for sending the first account information to a preset blockchain;
the first financial information obtaining unit is used for responding to a subscription instruction, the subscription instruction indicates to open a financial account, and the first financial information comprises: the identity information, the main account information, the financial product category, the load amount and the account opening line information uniquely indicate the financial account;
the second account information acquisition unit is used for generating second account information according to the first financial information and the first account information, wherein the second account information comprises the identity information, the main account information, updated balance and the account opening line information, and the updated balance is the difference value between the balance and the load amount;
And the second sending unit is used for sending the first financial information and the second account information to the blockchain.
9. An account data processing apparatus, comprising: a memory and a processor;
the memory is used for storing programs;
the processor is configured to execute the program to implement the steps of the account data processing method according to any one of claims 1 to 7.
10. A readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of processing account data according to any one of claims 1 to 7.
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| CN113938413B (en) * | 2021-10-18 | 2022-11-22 | 中国银行股份有限公司 | Bank card sharing method and device based on block chain |
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| US11315115B2 (en) * | 2019-04-12 | 2022-04-26 | Advanced New Technologies Co., Ltd. | Blockchain-based data processing system, method, computing device and storage medium |
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| CN111127216A (en) * | 2019-12-30 | 2020-05-08 | 山东爱城市网信息技术有限公司 | Method, equipment and medium for realizing bank financing product based on block chain |
| CN111275421A (en) * | 2020-01-20 | 2020-06-12 | 厦门顺势共识信息科技有限公司 | Block chain-based financial information chaining method |
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