CN113112260A - Method and device for depositing money into accounts of two or three types - Google Patents

Method and device for depositing money into accounts of two or three types Download PDF

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CN113112260A
CN113112260A CN202110533103.4A CN202110533103A CN113112260A CN 113112260 A CN113112260 A CN 113112260A CN 202110533103 A CN202110533103 A CN 202110533103A CN 113112260 A CN113112260 A CN 113112260A
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deposit
channel
ranking list
determining
accounts
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唐锆
杨超
冯晓帅
马刚
穆孙婷
幸兰欣
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

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  • Accounting & Taxation (AREA)
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Abstract

The invention provides a method and a device for depositing money on accounts of two types and three types, which can be used in the field of finance, and the method comprises the following steps: when a deposit channel query request initiated by a front end is received, matching element information extracted from the front end with element information of a deposit channel to determine the deposit channel corresponding to the front end; obtaining a channel ranking list corresponding to the deposit channels, wherein the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to comprehensive scores; determining a current deposit channel by adopting the following steps, and depositing money on two or three types of accounts: marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel; and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel. The invention can efficiently realize the deposit of the second and third accounts.

Description

Method and device for depositing money into accounts of two or three types
Technical Field
The invention relates to the field of finance, in particular to a method and a device for depositing money on accounts of two types and three types.
Background
Along with the gradual regulation of a supervising mechanism on the accounts of the two types and the three types, the accounts of the two types and the three types are more and more used in the scenes of consumption, payment, financing and the like, and the deposit from the bound account becomes a precondition for carrying out transaction on the accounts of the two types and the three types, but the deposit channel is various at present, the deposit channel is often used in the specific transaction scene and needs to be manually judged and selected, the front end and the rear end carry out corresponding development and modification, the whole service development is influenced by the sudden failure of the single channel, and the modification workload is large when the channel needs to be switched.
Disclosure of Invention
The embodiment of the invention provides a deposit method for two or three types of accounts, which is used for efficiently realizing the deposit of the two or three types of accounts, and comprises the following steps:
when a deposit channel query request initiated by a front end is received, matching element information extracted from the front end with element information of a deposit channel to determine the deposit channel corresponding to the front end;
obtaining a channel ranking list corresponding to the deposit channels, wherein the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to comprehensive scores;
determining a current deposit channel by adopting the following steps, and depositing money on two or three types of accounts:
marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel;
and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel.
The embodiment of the invention provides a deposit device for two or three types of accounts, which is used for efficiently realizing the deposit of the two or three types of accounts, and comprises the following components:
the deposit channel determining module is used for matching the element information extracted from the front end with the element information of the deposit channel when receiving a deposit channel query request initiated by the front end, and determining the deposit channel corresponding to the front end;
the channel ranking list determining module is used for obtaining a channel ranking list corresponding to the deposit channels, and the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to the comprehensive scores; the deposit module is used for determining the current deposit channel by adopting the following steps to deposit the second and third types of accounts: marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel; and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be run on the processor, wherein the processor realizes the deposit method of the two or three types of accounts when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the deposit method of the two or three types of accounts.
In the embodiment of the invention, when a deposit channel query request initiated by a front end is received, element information extracted from the front end is matched with element information of a deposit channel, and the deposit channel corresponding to the front end is determined; obtaining a channel ranking list corresponding to the deposit channels, wherein the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to comprehensive scores; determining a current deposit channel by adopting the following steps, and depositing money on two or three types of accounts: marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel; and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel. In the process, the complicated work of manually selecting the deposit channel in the prior art is reduced, the transformation workload of switching the deposit channel is reduced, the automatic selection of the deposit channel based on the channel is realized, and the deposit efficiency is high.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flowchart of a method for depositing funds on accounts of two or three categories according to an embodiment of the present invention;
FIG. 2 is a flow of exception handling for multiple deposit failures in an embodiment of the present invention;
FIG. 3 is a schematic diagram of a deposit apparatus for accounts of two or three categories according to an embodiment of the present invention;
FIG. 4 is another schematic diagram of a deposit apparatus for accounts of two or three categories according to the embodiment of the present invention;
FIG. 5 is a diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Fig. 1 is a flowchart of a deposit method for two or three types of accounts in an embodiment of the present invention, as shown in fig. 1, the method includes:
step 101, when receiving a deposit channel query request initiated by a front end, matching element information extracted from the front end with element information of a deposit channel to determine the deposit channel corresponding to the front end;
102, obtaining a channel ranking list corresponding to the deposit channels, wherein the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to comprehensive scores;
103, determining a current deposit channel by adopting the following steps, and depositing money on two or three types of accounts:
step 1031, marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel;
step 1032, when receiving the notification of the deposit failure of the current deposit channel, determining that the next deposit channel of the deposit channels marked in the channel ranking list is the current deposit channel.
In the embodiment of the invention, the tedious work of manually selecting the deposit channel in the prior art is reduced, the modification workload of switching the deposit channel is reduced, the automatic selection of the deposit channel based on the channel is realized, and the deposit efficiency is high.
In specific implementation, a front-end page generally sends a request for inquiring a deposit channel, the front-end can extract a plurality of element information, and the front-end can be a treasure collector, a 12306 ticket purchasing system and the like. The extracted element information comprises one or any combination of the deposit merchant, the deposit limit range, the processing speed requirement, the acceptable handling fee range, the contract signing mode and the service time.
In one embodiment, the information of the channel elements includes one or any combination of the deposit merchant, the deposit amount range, the processing speed requirement, the acceptable handling fee range, the contract signing mode and the service time.
For example, the deposit merchant is a 12306 ticket purchasing system, and the front end of the 12306 ticket purchasing system can extract the acceptable commission range, the subscription mode and the service time, match the acceptable commission range, the subscription mode and the service time with the pre-stored element information of a plurality of deposit channels, and find a deposit channel corresponding to the front end, where the deposit channel may also be a scene, such as consumption, payment, financing, and the like.
The deposit channel can be a pedestrian size sum, a pedestrian super internet bank, a Unionpay marked no-jump, a Unionpay two-dimensional code and the like. In one embodiment, the element information of the deposit channel includes one or any combination of quota, commission, processing speed, subscription mode and available time.
In an embodiment, the method further comprises:
and calculating the comprehensive score of each deposit channel according to the weights and the scores of the multiple elements of each deposit channel.
The weights and the scores can be determined by methods such as an expert scoring method and a component analysis method, and the weights and the scores of the multiple elements are subjected to weighted summation, so that the comprehensive score of each deposit channel can be obtained.
Fig. 2 is an exception handling flow of multiple deposit failures in an embodiment of the present invention, in an embodiment, the method further includes:
step 201, when the number of times of deposit failure of a deposit channel exceeds a threshold value, marking that the deposit channel of the deposit channel is unavailable;
step 202, deleting the deposit channel from the channel ordered list corresponding to the deposit channel.
In an embodiment, the method further comprises:
when receiving a deposit channel query request initiated by a front end, performing identity authentication on an initiating user of the front end;
and after passing the identity authentication, matching the element information extracted from the front end with the element information of the deposit channel to determine the deposit channel corresponding to the front end.
In summary, in the method provided in the embodiment of the present invention, when a request for querying a deposit channel initiated by a front end is received, matching element information extracted from the front end with element information of the deposit channel, and determining the deposit channel corresponding to the front end; obtaining a channel ranking list corresponding to the deposit channels, wherein the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to comprehensive scores; determining a current deposit channel by adopting the following steps, and depositing money on two or three types of accounts: marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel; and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel. In the process, the complicated work of manually selecting the deposit channel in the prior art is reduced, the transformation workload of switching the deposit channel is reduced, the automatic selection of the deposit channel based on the channel is realized, and the deposit efficiency is high.
The embodiment of the invention also provides a deposit device for the second and third types of accounts, the principle of which is similar to that of the deposit method for the second and third types of accounts, and the details are not repeated here.
Fig. 3 is a schematic diagram of a deposit apparatus for accounts of two or three types according to an embodiment of the present invention, as shown in fig. 3, the apparatus includes:
a deposit channel determining module 301, configured to, when receiving a deposit channel query request initiated by a front end, match element information extracted from the front end with element information of a deposit channel, and determine a deposit channel corresponding to the front end;
a channel ranking list determining module 302, configured to obtain a channel ranking list corresponding to the deposit channels, where the channel ranking list includes a plurality of deposit channels ranked from large to small according to a comprehensive score;
the deposit module 303 is configured to determine a current deposit channel by using the following steps to deposit a deposit on two or three types of accounts: marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel; and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel.
Fig. 4 is another schematic diagram of a deposit apparatus for accounts of two or three categories according to an embodiment of the present invention, in an embodiment, the apparatus further includes a total score calculation module 304, configured to:
and calculating the comprehensive score of each deposit channel according to the weights and the scores of the multiple elements of each deposit channel.
In one embodiment, the element information of the deposit channel includes one or any combination of quota, commission, processing speed, subscription mode and available time.
In one embodiment, the element information of the deposit channel includes one or any combination of the deposit merchant, the deposit amount range, the processing speed requirement, the acceptable handling fee range, the subscription mode and the service time.
In summary, in the apparatus provided in the embodiment of the present invention, when a request for querying a deposit channel initiated by a front end is received, matching element information extracted from the front end with element information of the deposit channel, and determining the deposit channel corresponding to the front end; obtaining a channel ranking list corresponding to the deposit channels, wherein the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to comprehensive scores; determining a current deposit channel by adopting the following steps, and depositing money on two or three types of accounts: marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel; and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel. In the process, the complicated work of manually selecting the deposit channel in the prior art is reduced, the transformation workload of switching the deposit channel is reduced, the automatic selection of the deposit channel based on the channel is realized, and the deposit efficiency is high.
An embodiment of the present application further provides a computer device, and fig. 5 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the deposit method for the second and third types of accounts in the foregoing embodiment, and the computer device specifically includes the following contents:
a processor (processor)501, a memory (memory)502, a communication Interface (Communications Interface)503, and a communication bus 504;
the processor 501, the memory 502 and the communication interface 503 complete mutual communication through the communication bus 504; the communication interface 503 is used for implementing information transmission between related devices such as server-side devices, detection devices, and user-side devices;
the processor 501 is configured to call the computer program in the memory 502, and when the processor executes the computer program, the processor implements all the steps of the deposit method for the second and third types of accounts in the above embodiments.
Embodiments of the present application further provide a computer-readable storage medium, which can implement all steps in the deposit method for the second and third types of accounts in the foregoing embodiments, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the deposit method for the second and third types of accounts in the foregoing embodiments.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (10)

1. A deposit method for two or three types of accounts is characterized by comprising the following steps:
when a deposit channel query request initiated by a front end is received, matching element information extracted from the front end with element information of a deposit channel to determine the deposit channel corresponding to the front end;
obtaining a channel ranking list corresponding to the deposit channels, wherein the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to comprehensive scores;
determining a current deposit channel by adopting the following steps, and depositing money on two or three types of accounts:
marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel;
and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel.
2. A method of making a deposit into a class ii or iii account as claimed in claim 1, further comprising:
and calculating the comprehensive score of each deposit channel according to the weights and the scores of the multiple elements of each deposit channel.
3. A method for making a deposit on accounts of two or three types according to claim 1, wherein the element information of the deposit channel includes one or any combination of quota, handling fee, processing speed, contract signing mode and available time.
4. The method as claimed in claim 1, wherein the element information of the deposit channel includes one or any combination of deposit merchant, deposit amount range, processing speed requirement, acceptable handling fee range, contract signing mode and service time.
5. A deposit apparatus for a second or third type of account, comprising:
the deposit channel determining module is used for matching the element information extracted from the front end with the element information of the deposit channel when receiving a deposit channel query request initiated by the front end, and determining the deposit channel corresponding to the front end;
the channel ranking list determining module is used for obtaining a channel ranking list corresponding to the deposit channels, and the channel ranking list comprises a plurality of deposit channels which are ranked from large to small according to the comprehensive scores;
the deposit module is used for determining the current deposit channel by adopting the following steps to deposit the second and third types of accounts: marking a first deposit channel in the channel ranking list, and determining the marked deposit channel as a current deposit channel; and when receiving the notification of the gold entering failure of the current gold entering channel, determining that the next gold entering channel marked in the channel ranking list is the current gold entering channel.
6. A deposit apparatus for type ii or type iii accounts according to claim 5, further comprising a composite score value calculation module for:
and calculating the comprehensive score of each deposit channel according to the weights and the scores of the multiple elements of each deposit channel.
7. A deposit apparatus for type II or III accounts according to claim 5, wherein the element information of the deposit channel includes one or any combination of quota, handling fee, processing speed, contract signing method and available time.
8. The apparatus for depositing money on type II or III accounts according to claim 5, wherein the information of the elements of the deposit channel includes one or any combination of the deposit merchant, the deposit amount range, the processing speed requirement, the acceptable handling fee range, the contract signing method and the service time.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
CN202110533103.4A 2021-05-17 2021-05-17 Method and device for depositing money into accounts of two or three types Pending CN113112260A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202110533103.4A CN113112260A (en) 2021-05-17 2021-05-17 Method and device for depositing money into accounts of two or three types

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110533103.4A CN113112260A (en) 2021-05-17 2021-05-17 Method and device for depositing money into accounts of two or three types

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CN113112260A true CN113112260A (en) 2021-07-13

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