CN112184411A - Account processing method and device - Google Patents
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Abstract
The invention discloses an account processing method and device, and relates to the technical field of computers. One specific implementation mode of the method comprises the steps of receiving an account opening request, obtaining a flow code of a scene corresponding to the request, and creating a request form according to the flow code; returning to the current node to-be-executed step based on the pre-configured process node corresponding to the application form so as to control the process flow of the application program page; and receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result. Therefore, the method and the device can solve the problems of high resource cost and poor efficiency caused by the fact that corresponding service systems are respectively set for different service requirements in the existing multi-account scene.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an account processing method and device.
Background
The virtual bank user KYC rule (KYC rule refers to understanding a customer (KYC) rule) real-name process has a multi-account scene, for example, a deposit service needs a Saving account, a loan service needs a Cash (Cash loan) account and a Buy (credit payment) account, and the traditional scheme is to formulate a set of deposit service system to process a deposit process and a set of loan service system to process a loan process.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
in the prior art, a plurality of independent systems are respectively connected with related dependent systems and resources, so that repeated work is caused for the connection of public systems, and the cost for the work of data storage information alignment and the like and the subsequent communication maintenance is extremely high. For example, if a new user information of "monthly income" is added, a plurality of systems are required to be respectively adjusted, each system is an independent technical system, the resource cost is high, and workload of adding a system similar to a stock account system and a white account system is large.
Disclosure of Invention
In view of this, embodiments of the present invention provide an account processing method and apparatus, which can solve the problems of high resource cost and poor efficiency when corresponding service systems are respectively set for different service requirements in the existing multi-account scenario.
In order to achieve the above object, according to an aspect of the embodiments of the present invention, an account processing method is provided, including receiving an account opening request, obtaining a flow code of a scene corresponding to the request, and creating an application form according to the flow code; returning to the current node to-be-executed step based on the pre-configured process node corresponding to the application form so as to control the process flow of the application program page; and receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result.
Optionally, after creating the application form according to the flow encoding, the method includes:
generating an application form number and storing the application form number to a core system; the application form number is used for marking the circulation data of the account opening process;
if the flow circulation process of the application form is interrupted, after the interruption is finished, calling the application form number stored in the core system to obtain corresponding flow circulation data so as to continuously execute the flow circulation based on the pre-configured flow nodes.
Optionally, controlling the flow of the application page includes:
and the application program receives the flow circulation, calls a preset jump method to jump to a corresponding node processing page, interacts with the user to obtain execution result data, and then reports the execution result data through an interface.
Optionally, returning to the current node to be executed step based on the preconfigured process node corresponding to the application form, where the step includes:
acquiring a target data item corresponding to the current node based on a pre-configured process node corresponding to the application form, transmitting the target data item to a core system, and searching whether a corresponding numerical value is stored;
receiving a search result, and if the search result is that a corresponding numerical value exists, skipping a current node and acquiring a step to be executed of a next node; and if the search result is that no corresponding numerical value exists, returning to the step to be executed of the current node.
Optionally, the importing the target data item into a core system, and searching whether a corresponding value is stored includes:
and transmitting the target data item into a core system so that the core system judges whether the target data item is a scene sharing data item, if so, searching whether a corresponding numerical value exists in a scene sharing data item storage table, and if not, directly returning a search result without the corresponding numerical value.
Optionally, after receiving the search result, the method includes:
if the corresponding numerical value does not exist in the part of the target data items, returning to the step to be executed corresponding to the data item without the corresponding numerical value;
and receiving the execution result data, integrating the acquired corresponding numerical value and the execution result data, sending the integrated numerical value and the execution result data to a service system for auditing, and returning an auditing result.
Optionally, after receiving the account opening request, the method includes:
judging whether the flow code of the scene corresponding to the request exists, if so, creating a request form according to the flow code, and if not, configuring a corresponding flow node according to the scene corresponding to the request to generate the flow code of the scene;
and when configuring corresponding flow nodes according to the scene corresponding to the request, calling a node library, judging whether the nodes to be configured exist, if so, directly extracting node data, and if not, setting the nodes and storing the nodes in the node library.
In addition, the invention also provides an account processing device, which comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for receiving the account opening request, acquiring the process code of the scene corresponding to the request and creating the application form according to the process code; the processing module is used for returning to the current node to-be-executed step based on the pre-configured process node corresponding to the application form so as to control the process flow of the application program page; and receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result.
One embodiment of the above invention has the following advantages or benefits: the invention realizes the account opening of the multi-scene account, which needs information sharing (sharing common information) and relative independence (having self-independent business attributes), meets the requirements of different account systems on relative independence, can dynamically configure the operation flow of the account opening of the user operation, can dynamically access different business attribute flows (such as external bank connection, external manufacturers, audit flows and the like), and simultaneously provides the information and flows which can be shared (such as core body flows of gateway access, living body identification and the like, conventional wind control flows and the like); the newly added account opening types (such as adding a white account on the basis of the original deposit account and loan account) can be quickly and flexibly allocated and combined, the purpose of quickly completing the opening of the target account is achieved by carrying out coexistence and difference based on the original resources and a new account system, and the virtual banking business is rapidly expanded; for the account opening process of a new scene, the requirement for opening a target account can be quickly finished only by adding new process nodes and allocating the processes, the processes are dynamically allocated, and the subsequent adjustment based on user experience is simpler and has strong expandability; meanwhile, the upgrading requirements of different accounts of the same user can be met, and only the difference information needs to be filled.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
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The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of an account processing method according to a first embodiment of the present invention;
fig. 2 is a schematic diagram of a main flow of an account processing method according to a second embodiment of the present invention;
FIG. 3 is a schematic diagram of the main modules of an account processing apparatus according to an embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of a main flow of an account processing method according to a first embodiment of the present invention, and as shown in fig. 1, the account processing method includes:
step S101, receiving an account opening request, acquiring a process code of a scene corresponding to the request, and creating an application form according to the process code.
And S102, returning to the current node to-be-executed step based on the pre-configured process node corresponding to the application form so as to control the process flow of the application program page.
And step S103, receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result.
As some embodiments, after receiving the account opening request in step S101, the method includes:
and judging whether the flow codes of the scenes corresponding to the requests exist, if so, creating a request form according to the flow codes, and if not, configuring corresponding flow nodes according to the scenes corresponding to the requests to generate the flow codes of the scenes. And when configuring corresponding flow nodes according to the scene corresponding to the request, calling a node library, judging whether the nodes to be configured exist, if so, directly extracting node data, and if not, setting the nodes and storing the nodes in the node library.
That is to say, after receiving the account opening request, the EKYC (EKYC, i.e. the client who knows your user electronically) server creates an application form according to the corresponding flow code, and returns the application form number to the application App end which sends the account opening request.
Therefore, if an account opening scene is newly added, a set of brand-new account opening process can be produced only by configuring corresponding process nodes and calling a unified node data processing interface. Meanwhile, the problem of upgrading among accounts is solved, and a new set of process nodes can be generated to control user account opening only by once comparing the newly configured account opening scene process nodes with the current latest data of the core system by a set of rule processing method. For example: the upgrading of the account C, the upgrading of the account C by the account A and the upgrading of the account C by the account B by the account A and the upgrading of the account B by the account A and the account B by the account C can be finished at one time, and the subsequent expansibility is strong.
It should be noted that, the application App end that sends the account opening request corresponds to a process code, such as a deposit account Saving ('00000'), a credit payment account Buy ('02001'), a Cash credit account Cash ('02000'), and the like.
In some embodiments, after creating the application form according to the flow encoding, the method includes:
generating an application form number and storing the application form number to a core system; and the application form number is used for marking the circulation data of the account opening process. If the flow circulation process of the application form is interrupted, after the interruption is finished, calling the application form number stored in the core system to obtain corresponding flow circulation data so as to continuously execute the flow circulation based on the pre-configured flow nodes.
It can be seen that the application form number is used for marking the account opening process data, and the account opening process is continued after the process flow is interrupted. For example: and after the flow circulation process is interrupted, calling a public core body component (OTP, the safety verification of passwords and the like) to execute verification according to the account opening flow data corresponding to the application sheet number.
In still other embodiments, controlling flow through an application page includes:
and the application program receives the flow circulation, calls a preset jump method to jump to a corresponding node processing page, interacts with the user to obtain execution result data, and then reports the execution result data through an interface.
It can be seen that, when the application program App receives the flow stream of the EKYC server, a unified jump method can be called to jump to a corresponding node processing page for interaction with a user. For example: identification card collection, living body identification, address selection, professional industry selection, information filling and the like. Taking the user identity verification node as an example, when the EKYC server returns COMMIT _ AUTH _ DATA, the corresponding processes of identity card acquisition and portrait living body identification are skipped, the generated certificate photo, face photo and information DATA are reported to the EKYC server through an interface, the EKYC server returns the next process node after passing the verification, and the circulation of all the process nodes is realized by analogy.
As another embodiment, the step of returning to the current node to be executed based on the preconfigured process node corresponding to the application form includes:
and acquiring a target data item corresponding to the current node based on the pre-configured process node corresponding to the application form, transmitting the target data item into a core system, and searching whether a corresponding numerical value is stored. Then, receiving a search result, and if the search result is that a corresponding numerical value exists, skipping a current node and acquiring a step to be executed of a next node; and if the search result is that no corresponding numerical value exists, returning to the step to be executed of the current node.
It can be seen that, for the application program App end sending the account opening request, only the newly added difference node (such as newly added declaration information, limit confirmation and other nodes) needs to be implemented. Meanwhile, the process node can be shared by multiple accounts. For example: the identity verification node is a sharing node, and if any account opening process finishes the step and finally the account opening is successful, the data falls into the core system for storage, and the node can be skipped to directly enter the next node when other accounts are opened. The basic principle of node data sharing is that the data source is the core system. The core system data is stored by taking a user as a dimension, and the EKYC server side stores the data by taking an application form as the dimension.
In a further embodiment, the transferring the target data item into the core system, and searching whether a corresponding value is stored includes:
and transmitting the target data item into a core system so that the core system judges whether the target data item is a scene sharing data item, if so, searching whether a corresponding numerical value exists in a scene sharing data item storage table, and if not, directly returning a search result without the corresponding numerical value.
In another further embodiment, after receiving the search result, the method includes:
and if the corresponding numerical value does not exist in the part of the target data items, returning to the step to be executed corresponding to the data item without the corresponding numerical value. And then, receiving the execution result data, integrating the acquired corresponding numerical value and the execution result data, sending the integrated numerical value and the execution result data to a service system for auditing, and further returning an auditing result.
Preferably, the EKYC server may check the execution result data (e.g., information filling), and perform a pre-fetch after the check is passed, where the pre-fetch data is the integration data, may be the completely new execution result data (no corresponding value exists in the core system), or may be a combination of the data in the core system and the execution result data (a part of corresponding values exists in the core system). In addition, in order to meet the data appeal of each account, the EKYC server transmits the data to a service system for various data processing, such as client information landing, wind control and the like.
It should be noted that the same process node may configure data items according to different service attribute combinations, for example: the address node can have three subclasses of certificate address, mailing address and working address, and the three subclasses can be combined and configured under different account opening process scenes, for example, scene 1 only needs the certificate address, scene 2 needs the certificate address and the working address, and scene 3 needs all the documents, so if account opening is performed in scene 2 and scene 3, only scene 3 needs to supplement the mailing address, and if account opening is performed in scene 1, the node can be skipped directly.
In a preferred embodiment, the auditing result of the business system has a plurality of states: rejection (order), audit, supplement data, cancel, order, pass, etc. The EKYC server converts the auditing result of the service system server into a state code which can be identified by the application program App terminal so as to inform the next node (for example, the next operation is to set a password). If the next node does not exist or is finished in other scenes, the EKYC server is informed to store the user information in the core system, the corresponding service system is informed after the storage is successful, the service system calls the core system to open an account, the data of the core system completely meet the scene account at the moment, the corresponding service account is established and synchronized to the service system, the service system informs the EKYC server of the successful opening of the account, then the EKYC server informs the application program App terminal of the successful opening of the account, and the user can be allowed to carry out some service settings or marketing activities and the like after the opening of the account is successful.
Fig. 2 is a schematic diagram of a main flow of an account processing method according to a second embodiment of the present invention, in which an EKYC account opening component (e.g. APP) is mainly responsible for completing an interaction part with a user in an account opening process, interacts with an EKYC server, and processes UI/UX (user interface and user experience design), data conversion, data verification, flow circulation, and the like according to a convention. And is responsible for interfacing external business system components of the front end. The EKYC server (EKYC in FIG. 2) is used as an intermediate system for processing network data interaction with an EKYC account opening component and data interaction with a core system, and is connected with a public gateway system, a core system, a wind control system and the like. And aiming at different account scenes, performing data integration, flow assembly, flow control and the like by taking the account scenes as dimensions. The business system mainly interfaces with businesses specific to some accounts, such as credit line confirmation and the like. The core system is mainly used for storing the generated user data, and preferably stores the user data as a dimension. .
As shown in fig. 2, the account processing method includes: the user clicks to enter each service entrance in the foreground, namely, the entrance of the required service (namely, different scenes) in the EKYC account opening component (for example, APP), whether to log in is checked, and if not, the login or registration process is executed. If yes, the login information is transmitted to a service system, whether the service is opened or not is judged, if yes, the corresponding service is normally used, and if not, an EKYC server is called to judge whether a request form exists for the service or not.
If the application form already exists in the EKYC server, the interruption of the previous business processing process is explained, and the application form number stored in the core system (namely, the bank core in the figure) is called to obtain the corresponding flow circulation data, so that the flow circulation is continuously executed based on the preset flow node. If no application form exists in the EKYC server, checking whether a user has a client identity verification application with the state of submitted, verified or completed, and the like, if not, calling the service system to perform a user identity verification process (for example, the service system performs identity verification according to login information), and storing verification information into the core system after the identity verification is completed so that the core system updates user OCR information (OCR means optical character recognition). And if so, acquiring the process code of the scene corresponding to the request, creating a request form according to the process code, and returning to the current node to-be-executed step (such as a user personal data filling process) based on a pre-configured process node corresponding to the request form so as to control the process flow of the EKYC account opening component (such as the APP).
After controlling the flow of the page in the EKYC account opening component, the EKYC server receives and verifies the flow circulation execution result data (for example, the filled information is verified), the EKYC server performs one-time pre-submission to the service system after the verification is passed, the service system performs landing and verification on the execution result data, and returns the verification result to the EKYC server.
The EKYC server updates the state information of the user application form according to the audit result, so as to return the state information to the EKYC account opening component (e.g., APP), for example, as shown in fig. 2, the audit result is reject, audit, data to be uploaded, cancel or close the form, and the like, and updates the state information of the corresponding application form respectively, and the updated state information is returned to the APP.
After the application form is checked and passed, the EKYC server returns the steps to be executed of the next node to the APP based on the pre-configured process node corresponding to the application form, for example, the APP enters a service quota page. And then, the EKYC server receives the execution result data and stores the execution result data in the core system, the successful storage message is returned to the EKYC server, and the EKYC server informs the service system to check or process the execution result data. And circulating the processes until the last node is reached, calling a core system by the service system to open an account (namely creating a corresponding service account), returning the account to the EKYC server after the account is opened successfully through the service system, updating the user request form state to be finished by the EKYC server, and notifying the APP.
It should be noted that after the account is successfully opened, the APP may also perform other configurations, such as whether other feature services need to be opened.
In summary, the invention realizes decoupling with the service system in multi-account opening through the way of the middleware of the App independent component EKYC server, and is not affected by the change of the external system. Moreover, account opening of the newly added account type can be realized through simple and flexible allocation, and the updating among accounts is supported, so that a long account opening process is avoided. In addition, the order of the account opening process nodes can be flexibly adjusted to adapt to frequent changes of the service.
That is, the EKYC account opening component is packaged by the application program App, and the EKYC account opening component only interacts with an EKYC server, namely an intermediate system. And guiding the user to complete the selection, the entry and the like of the information corresponding to the account scene through scene control and process control. The application App component and the intermediate system process the public flow and the differential flow to form accumulation, and other subsequent account opening scenes can quickly complete account opening through flexible combination and allocation and some differential business processing, so that dynamic flow configuration and quick development of the account opening scenes are realized, user information is accurately acquired at fine granularity, personnel cost is saved, and business driving force is enhanced.
Fig. 3 is a schematic diagram of main modules of an account processing apparatus according to an embodiment of the present invention, and as shown in fig. 3, the account processing apparatus 300 includes an acquisition module 301 and a processing module 302. The obtaining module 301 receives an account opening request, obtains a flow code of a scene corresponding to the request, and creates a request form according to the flow code; the processing module 302 returns to the current node to be executed step based on the pre-configured process node corresponding to the application form to control the process flow of the application program page; and receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result.
In some embodiments, after the obtaining module 301 creates the application form according to the flow encoding, the obtaining module includes:
generating an application form number and storing the application form number to a core system; the application form number is used for marking the circulation data of the account opening process;
if the flow circulation process of the application form is interrupted, the processing module 302 calls the application form number stored in the core system to obtain corresponding flow circulation data after the interruption is finished, so as to continue to execute the flow circulation based on the pre-configured flow nodes.
In some embodiments, the processing module 302 controls flow through the application page, including:
and the application program receives the flow circulation, calls a preset jump method to jump to a corresponding node processing page, interacts with the user to obtain execution result data, and then reports the execution result data through an interface.
In some embodiments, the processing module 302 returns, based on the preconfigured process node corresponding to the application form, a current node to-be-executed step, including:
acquiring a target data item corresponding to the current node based on a pre-configured process node corresponding to the application form, transmitting the target data item to a core system, and searching whether a corresponding numerical value is stored;
receiving a search result, and if the search result is that a corresponding numerical value exists, skipping a current node and acquiring a step to be executed of a next node; and if the search result is that no corresponding numerical value exists, returning to the step to be executed of the current node.
In some embodiments, the processing module 302 transfers the target data item to the core system, and searches whether a corresponding value is stored, including:
and transmitting the target data item into a core system so that the core system judges whether the target data item is a scene sharing data item, if so, searching whether a corresponding numerical value exists in a scene sharing data item storage table, and if not, directly returning a search result without the corresponding numerical value.
In some embodiments, after the processing module 302 receives the search result, it includes:
if the corresponding numerical value does not exist in the part of the target data items, returning to the step to be executed corresponding to the data item without the corresponding numerical value;
and receiving the execution result data, integrating the acquired corresponding numerical value and the execution result data, sending the integrated numerical value and the execution result data to a service system for auditing, and returning an auditing result.
In some embodiments, after the obtaining module 301 receives the account opening request, the method includes:
judging whether the flow code of the scene corresponding to the request exists, if so, creating a request form according to the flow code, and if not, configuring a corresponding flow node according to the scene corresponding to the request to generate the flow code of the scene;
and when configuring corresponding flow nodes according to the scene corresponding to the request, calling a node library, judging whether the nodes to be configured exist, if so, directly extracting node data, and if not, setting the nodes and storing the nodes in the node library.
It should be noted that, the account processing method and the account processing apparatus according to the present invention have corresponding relationships in specific implementation contents, and therefore, the description of the repeated contents is omitted.
Fig. 4 shows an exemplary system architecture 400 of an account processing method or an account processing apparatus, an account processing discriminant or an account processing discriminant apparatus, to which embodiments of the present invention may be applied.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405. The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 401, 402, 403 may be various electronic devices having an account processing screen or an account processing discrimination screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 401, 402, 403. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the account processing method or the account processing determination method provided in the embodiment of the present invention is generally executed by the server 405, and accordingly, the computing device is generally disposed in the server 405.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM503, various programs and data necessary for the operation of the computer system 500 are also stored. The CPU501, ROM502, and RAM503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 806 including a keyboard, a mouse, and the like; an output section 507 including a display such as a Cathode Ray Tube (CRT), a liquid crystal account processor (LCD), and the like, and a speaker and the like; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 505 as needed. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an acquisition module and a processing module. Wherein the names of the modules do not in some cases constitute a limitation of the module itself.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by a device, the device comprises a processing module for receiving an account opening request, acquiring a flow code of a scene corresponding to the request, and creating an application form according to the flow code; returning to the current node to-be-executed step based on the pre-configured process node corresponding to the application form so as to control the process flow of the application program page; and receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result.
According to the technical scheme of the embodiment of the invention, the problems of high resource cost and poor efficiency caused by the fact that the existing multi-account scene is respectively provided with corresponding service systems according to different service requirements can be solved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. An account processing method, comprising:
receiving an account opening request, acquiring a process code of a scene corresponding to the request, and creating an application form according to the process code;
returning to the current node to-be-executed step based on the pre-configured process node corresponding to the application form so as to control the process flow of the application program page;
and receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result.
2. The method of claim 1, wherein after creating the application form according to the process code, the method comprises:
generating an application form number and storing the application form number to a core system; the application form number is used for marking the circulation data of the account opening process;
if the flow circulation process of the application form is interrupted, after the interruption is finished, calling the application form number stored in the core system to obtain corresponding flow circulation data so as to continuously execute the flow circulation based on the pre-configured flow nodes.
3. The method of claim 1, wherein controlling the flow of application pages comprises:
and the application program receives the flow circulation, calls a preset jump method to jump to a corresponding node processing page, interacts with the user to obtain execution result data, and then reports the execution result data through an interface.
4. The method of claim 1, wherein returning to a current node to be executed based on a preconfigured process node corresponding to the application form comprises:
acquiring a target data item corresponding to the current node based on a pre-configured process node corresponding to the application form, transmitting the target data item to a core system, and searching whether a corresponding numerical value is stored;
receiving a search result, and if the search result is that a corresponding numerical value exists, skipping a current node and acquiring a step to be executed of a next node; and if the search result is that no corresponding numerical value exists, returning to the step to be executed of the current node.
5. The method of claim 4, wherein passing the target data item into a core system for finding whether a corresponding value is stored comprises:
and transmitting the target data item into a core system so that the core system judges whether the target data item is a scene sharing data item, if so, searching whether a corresponding numerical value exists in a scene sharing data item storage table, and if not, directly returning a search result without the corresponding numerical value.
6. The method of claim 4, wherein after receiving the search result, comprising:
if the corresponding numerical value does not exist in the part of the target data items, returning to the step to be executed corresponding to the data item without the corresponding numerical value;
and receiving the execution result data, integrating the acquired corresponding numerical value and the execution result data, sending the integrated numerical value and the execution result data to a service system for auditing, and returning an auditing result.
7. The method of any one of claims 1-6, wherein receiving the account opening request comprises:
judging whether the flow code of the scene corresponding to the request exists, if so, creating a request form according to the flow code, and if not, configuring a corresponding flow node according to the scene corresponding to the request to generate the flow code of the scene;
and when configuring corresponding flow nodes according to the scene corresponding to the request, calling a node library, judging whether the nodes to be configured exist, if so, directly extracting node data, and if not, setting the nodes and storing the nodes in the node library.
8. An account processing apparatus, comprising:
the acquisition module is used for receiving an account opening request, acquiring a process code of a scene corresponding to the request and creating a request form according to the process code;
the processing module is used for returning to the current node to-be-executed step based on the pre-configured process node corresponding to the application form so as to control the process flow of the application program page; and receiving the flow circulation execution result data, forwarding the flow circulation execution result data to a service system for auditing, and further receiving and returning an auditing result.
9. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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