CN113487406A - Data processing method, data processing device, computer equipment and storage medium - Google Patents
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Abstract
The application relates to a data processing method, a data processing device, computer equipment and a storage medium. The method is applied to a second platform, and comprises the following steps: receiving an account establishment request sent by a first platform, wherein the account establishment request comprises first user information and is sent to the first platform by a first user; performing qualification audit according to the first user information; and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request. The method of the embodiment of the application has high safety performance and is more convenient for account management.
Description
Technical Field
The present application relates to the field of data processing, and in particular, to a data processing method and apparatus, a computer device, and a storage medium.
Background
An account number is a representative of the digital age, i.e., a number of numbers that each person represents in a particular project, etc. The account number may sometimes consist of chinese or english, or even some symbols.
With the development of the internet, the requirements of users are more and more complex, and the types of accounts of the users are more. A plurality of account numbers of the same user may belong to different platforms, so that data processing among different account numbers is complex, management difficulty is increased, and use cost of the user is high.
Disclosure of Invention
In order to solve the technical problems described above or at least partially solve the technical problems, the present application provides a data processing method, an apparatus, a computer device, and a storage medium.
In a first aspect, the present application provides a data processing method, where the method is applied to a second platform, and the method includes:
receiving an account establishment request sent by a first platform, wherein the account establishment request comprises first user information and is sent to the first platform by a first user;
performing qualification audit according to the first user information;
and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request.
In this embodiment of the application, after the second platform establishes the first user account corresponding to the user, the method further includes:
generating an entity account corresponding to the first user account;
and sending the entity account to the client of the first user.
In this embodiment of the application, after the second platform establishes the first user account corresponding to the user, the method further includes:
receiving a first request sent by the first platform, wherein the first request comprises credit granting success information and a first number of virtual assets, and the credit granting success information is generated after the first platform successfully audits the first request;
transferring the first quantity of virtual assets from the first platform account to a first user account, the first platform account being an account of the first platform on a second platform.
In an embodiment of the present application, the method further includes:
receiving a second request sent by a third platform, wherein the second request is sent to the third platform by a first user and comprises a virtual asset transfer request;
and auditing the second request, and if the auditing is passed, executing the virtual asset transfer request in the second request.
In this embodiment, the sending, by the first user, the second request to the third platform includes:
the second request is generated by an entity account of the client of the first user and sent to the third platform.
In this embodiment of the application, the executing the virtual asset transfer request in the second request includes:
transferring a second quantity of virtual assets from the first user account to a third platform account, the third platform account being an account of a third platform on the second platform.
In this embodiment of the application, the executing the virtual asset transfer request in the second request includes:
transferring a second quantity of virtual assets from the first user account to a client of a first user;
converting a second number of virtual assets in the first user's client to a second number of asset credentials.
In a second aspect, there is provided a data processing apparatus, the apparatus comprising:
the device comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving an account establishment request sent by a first platform, the account establishment request comprises first user information, and the account establishment request is sent to the first platform by a first user;
the auditing unit is used for performing qualification auditing according to the first user information;
and the processing unit is used for establishing a first user account corresponding to the first user on the second platform according to the account establishment request if the qualification audit is passed.
In a third aspect, a computer device is provided, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the above method when executing the computer program.
In a fourth aspect, a computer-readable storage medium is provided, on which a computer program is stored, which computer program, when being executed by a processor, realizes the above-mentioned method steps.
The data processing method, the data processing device, the computer equipment and the storage medium comprise the following steps: advantageous effects the present application relates to a data processing method, apparatus, computer device, and storage medium. The method is applied to a second platform, and comprises the following steps: receiving an account establishment request sent by a first platform, wherein the account establishment request comprises first user information and is sent to the first platform by a first user; performing qualification audit according to the first user information; and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request. In the embodiment of the application, the second platform audits the account establishment request of the first user and establishes the account of the first user on the second platform, so that the auditing request and the account establishment can be performed on the same platform, the safety performance is higher, and the account management is more convenient.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
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, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive exercise.
FIG. 1 is a diagram illustrating an application environment of a data processing method according to an embodiment of the present invention;
FIG. 2 is a flow chart illustrating a data processing method according to an embodiment of the present invention;
FIG. 3 is a schematic diagram illustrating an application scenario of the data processing method according to an embodiment of the present invention;
FIG. 4 is a block diagram showing the structure of a data processing apparatus according to an embodiment of the present invention;
fig. 5 is a diagram showing an internal structure of a computer device in the embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
FIG. 1 is a diagram of an application environment of a data processing method in one embodiment. Referring to fig. 1, the data processing method is applied to a data processing system. The data processing system includes clients 110 and servers 120. Client 110 and server 120 are connected by a network. The client 110 may specifically be a desktop client or a mobile client, and the mobile client may specifically be at least one of a mobile phone, a tablet computer, a notebook computer, and the like. The server 120 may be implemented as a stand-alone server or a server cluster composed of a plurality of servers. In the embodiment of the present application, there may be a plurality of servers, such as the server 130 in fig. 1.
In one embodiment, as shown in FIG. 2, a data processing method is provided. The embodiment is mainly illustrated by applying the method to the server 120 in fig. 1. Referring to fig. 2, the data processing method is applied to a second platform, and the method includes:
220, performing qualification audit according to the first user information;
In the embodiment of the application, the qualification audit can be audits of various forms and contents, and can be audits of users, or can be audits of platforms, for example, auditing whether a first user is a legal user, auditing whether the location of the first user is a legal location, auditing whether the first platform is a legal platform, auditing whether the location/attribution of the first platform is a legal location, and the like; or may be an audit of the risk to the user and/or platform, which is not described in detail herein.
In this embodiment of the application, after the second platform establishes the first user account corresponding to the user, the method further includes:
generating an entity account corresponding to the first user account;
and sending the entity account to the client of the first user.
In an embodiment of the present application, an entity account does not mean that an account itself is an entity, but means that a client corresponding to the account is an entity, for example, the client may be a mobile phone, a POS machine, a palm computer, a smart watch, a smart bracelet, or other smart wearable device, or the client may be an entity card, and the like.
In this embodiment, the first platform may be a platform that is directly interfaced with a user, the second platform may be a platform that is interfaced with a plurality of platforms, and the second platform may also be a platform that can issue an entity account.
In the embodiment of the application, a second platform receives an account establishment request sent by a first platform, wherein the account establishment request comprises first user information, and the account establishment request is sent to the first platform by a first user; performing qualification audit according to the first user information; and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request. In the embodiment of the application, the second platform audits the account establishment request of the first user and establishes the account of the first user on the second platform, so that the auditing request and the account establishment can be carried out on the same platform, the safety performance is higher, the management of the account is more convenient, the overall cost is lower, and the use experience of the user can be improved.
In addition, in the embodiment of the application, after the second platform establishes the account of the first user, the second platform can issue the entity account to the client of the first user, so that the user can use the entity account conveniently, convenience is brought to the user, and the use experience of the user is improved.
In an implementation of this application, after step 230, after the second platform establishes the first user account corresponding to the user, the method further includes:
receiving a first request sent by the first platform, wherein the first request comprises credit granting success information and a first number of virtual assets, and the credit granting success information is generated after the first platform successfully audits the first request;
transferring the first quantity of virtual assets from the first platform account to a first user account, the first platform account being an account of the first platform on a second platform.
In the embodiment of the application, the first platform performs auditing on the first request of the user, the auditing may also be called credit granting, and after the credit granting/auditing is passed, the second platform performs corresponding virtual asset transfer. In the embodiment of the application, after the virtual assets are transferred from the first platform account to the first user account, the first user account and the entity account are corresponding, so that the virtual assets are also transferred to the entity account, the use by a user is facilitated, and the use experience of the user is improved.
In an embodiment of the present application, the method further includes:
receiving a second request sent by a third platform, wherein the second request is sent to the third platform by a first user and comprises a virtual asset transfer request;
and auditing the second request, and if the auditing is passed, executing the virtual asset transfer request in the second request.
In this embodiment, the sending, by the first user, the second request to the third platform includes:
the second request is generated by an entity account of the client of the first user and sent to the third platform.
In this embodiment of the application, the executing the virtual asset transfer request in the second request includes:
transferring a second quantity of virtual assets from the first user account to a third platform account, the third platform account being an account of a third platform on the second platform.
In this embodiment of the application, the executing the virtual asset transfer request in the second request includes:
transferring a second quantity of virtual assets from the first user account to a client of a first user;
converting a second number of virtual assets in the first user's client to a second number of asset credentials.
In this embodiment of the application, the second request is sent to the third platform by the first user, where the second request includes a virtual asset transfer request, and the second request is generated by an entity account of the client of the first user and sent to the third platform, that is, the second request may be initiated by the client of the first user, such as a smart wearable device, a mobile phone, an entity card, and the like. In the embodiment of the present application, the second requested virtual asset transfer request includes various different implementations. The first may be the transfer of virtual assets between different accounts on the second platform; the second may be to convert the virtual assets in the client into asset credentials.
In one embodiment of the present application, the virtual assets may be funds in an account and the asset credentials may be cash. That is, in the method of the embodiments of the present application, the asset transfer may be cash withdrawal, i.e., cash withdrawal.
Fig. 3 is a schematic diagram of an application scenario in the embodiment of the present application, and as shown in fig. 3, the system includes a first platform, a second platform, and a third platform, and in this embodiment, the system further includes a first user. Fig. 3 only shows the data transmission direction and brief description of each step, and the specific flow of each step refers to the following description.
As shown in fig. 3, the present embodiment includes the following:
at step 310, a first user sends an account setup request to a first platform. The account setup request includes user information such as personal name, address, age, certificate number, etc., the type of account setup, etc.
At step 320, the first platform sends an account setup request to the second platform.
And step 330, the second platform performs qualification audit, establishes a first user account after the qualification audit is passed, and returns information to the first platform.
In step 340, the second platform sends the entity account to the first user.
In step 310 and 340, if the entity account is an asset card, such as a bank card, the application scenario may also be referred to as "card issuing".
At step 350, the first user sends an asset transfer request to the first platform.
And step 360, the first platform trusts the asset transfer request and sends the successful trusting information and the related information to the second platform.
At step 370, the second platform executes the asset transfer request to perform a virtual asset transfer.
In the application scenario of step 350-380, if the property transfer request is "loan" or "borrow", the application scenario may be a loan/borrowing scenario.
The second platform executes the consume request, step 392.
In the application scenario of step 390-.
In the application scenario of step 390-.
In one application scenario of the present application, the first platform may be a credit platform, the second platform may be a payment platform, and the like. The user opens a user account on the payment platform through the credit platform, and the payment platform issues an entity card to the user.
The user may apply for the virtual asset to the credit platform after establishing the user account; after the credit platform approves the request for the virtual asset, the payment platform transfers the corresponding virtual asset to the user account.
The user account and the physical card are corresponding, so that the user can buy goods or cash out and the like through the physical card.
When purchasing an item or cash-out, a request is sent from the physical card to a third platform, which may be a shopping platform and/or a merchant, etc. The merchant establishes an order for the shopping or cash withdrawal request of the user and then sends the order to the payment platform, and the payment platform processes the transfer request of the virtual assets after shopping and/or processes the cash withdrawal request. The user obtains the goods and transfers the virtual asset to a merchant or shopping platform, or the user obtains an asset credential.
The method of the embodiment of the application can be used for specific application scenes, for example, the demand for finding/direct consumption after loans in a certain area is more, but the network payment is less, so that the entity card can be issued after a user obtains the loans from a credit platform, the user can obtain the finds or directly consume the loans through the entity card, and the obtained loans do not need to be transferred to other entity cards. The method is used for associating the entity card with the user loan account, so that the loan platform can conveniently monitor the use of the loan, the safety is improved, and the risk is reduced. In addition, the entity card and the user loan account are associated, so that the times of virtual resource transfer can be saved, intermediate links are reduced, and the user cost is reduced.
Fig. 2 and fig. 3 are schematic flow charts of a data processing method in one embodiment. It should be understood that, although the steps in the flowcharts of fig. 2 and 3 are shown in sequence as indicated by the arrows, the steps are not necessarily performed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2 and 3 may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least some of the sub-steps or stages of other steps.
In one embodiment, as shown in fig. 4, there is provided a data processing apparatus applied to a second platform, the apparatus comprising:
a receiving unit 410, configured to receive an account establishment request sent by a first platform, where the account establishment request includes first user information, and the account establishment request is sent to the first platform by a first user;
an auditing unit 420, configured to perform qualification auditing according to the first user information;
a processing unit 430, configured to establish, according to the account establishment request, a first user account corresponding to the first user on the second platform if the qualification audit is passed.
The device of the embodiment of the application further comprises a card issuing unit, which is used for generating an entity account corresponding to a first user account after the first user account corresponding to a user is established on a second platform;
the card issuing unit is further used for sending the entity account to the client of the first user.
In this embodiment of the application, after the second platform establishes the first user account corresponding to the user, the receiving unit 410 is further configured to:
receiving a first request sent by the first platform, wherein the first request comprises credit granting success information and a first number of virtual assets, and the credit granting success information is generated after the first platform successfully audits the first request;
the processing unit 430 is further configured to: transferring the first quantity of virtual assets from the first platform account to a first user account, the first platform account being an account of the first platform on a second platform.
In this embodiment of the application, the receiving unit 410 is further configured to:
receiving a second request sent by a third platform, wherein the second request is sent to the third platform by a first user and comprises a virtual asset transfer request;
the processing unit 430 is further configured to:
and auditing the second request, and if the auditing is passed, executing the virtual asset transfer request in the second request.
In an embodiment of the application, the sending, by the first user, the second request to the third platform includes:
the second request is generated by an entity account of the client of the first user and sent to the third platform.
In this embodiment of the application, the processing unit 430 is further configured to:
transferring a second quantity of virtual assets from the first user account to a third platform account, the third platform account being an account of a third platform on the second platform.
In this embodiment of the application, the processing unit 430 is further configured to:
transferring a second quantity of virtual assets from the first user account to a client of a first user;
converting a second number of virtual assets in the first user's client to a second number of asset credentials.
FIG. 5 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may specifically be the server 120 in fig. 1. As shown in fig. 5, the computer apparatus includes a processor, a memory, a network interface, an input device, and a display screen connected through a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program which, when executed by the processor, causes the processor to implement the data processing method. The internal memory may also have stored therein a computer program that, when executed by the processor, causes the processor to perform a data processing method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
Those skilled in the art will appreciate that the architecture shown in fig. 5 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: the method is applied to a second platform, and comprises the following steps: receiving an account establishment request sent by a first platform, wherein the account establishment request comprises first user information and is sent to the first platform by a first user; performing qualification audit according to the first user information; and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request.
In an embodiment, the processor executes the computer program to implement the steps of the above method, which are not described herein again.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: the method is applied to a second platform, and comprises the following steps: receiving an account establishment request sent by a first platform, wherein the account establishment request comprises first user information and is sent to the first platform by a first user; performing qualification audit according to the first user information; and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request.
In an embodiment, the computer program, when executed by the processor, further implements the steps of the above method, which are not described herein again.
In one embodiment, a computer program product or computer program is provided that includes computer instructions stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the steps of: the method is applied to a second platform, and comprises the following steps: receiving an account establishment request sent by a first platform, wherein the account establishment request comprises first user information and is sent to the first platform by a first user; performing qualification audit according to the first user information; and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request.
In an embodiment, the computer program product or the computer program when executed further implements the steps of the above method, which are not described herein again.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
It is noted that, in this document, relational terms such as "first" and "second," and the like, may be 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. Also, 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 an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The foregoing are merely exemplary embodiments of the present invention, which enable those skilled in the art to understand or practice the present invention. 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 invention. Thus, the present invention 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 data processing method applied to a second platform, the method comprising:
receiving an account establishment request sent by a first platform, wherein the account establishment request comprises first user information and is sent to the first platform by a first user;
performing qualification audit according to the first user information;
and if the qualification is approved, establishing a first user account corresponding to the first user on the second platform according to the account establishment request.
2. The method of claim 1, wherein after the second platform establishes the first user account corresponding to the user, the method further comprises:
generating an entity account corresponding to the first user account;
and sending the entity account to the client of the first user.
3. The method of claim 1, wherein after the second platform establishes the first user account corresponding to the user, the method further comprises:
receiving a first request sent by the first platform, wherein the first request comprises credit granting success information and a first number of virtual assets, and the credit granting success information is generated after the first platform successfully audits the first request;
transferring the first quantity of virtual assets from the first platform account to a first user account, the first platform account being an account of the first platform on a second platform.
4. The method of claim 1, further comprising:
receiving a second request sent by a third platform, wherein the second request is sent to the third platform by a first user and comprises a virtual asset transfer request;
and auditing the second request, and if the auditing is passed, executing the virtual asset transfer request in the second request.
5. The method of claim 4, wherein the second request is sent by the first user to a third platform, comprising:
the second request is generated by an entity account of the client of the first user and sent to the third platform.
6. The method of claim 4, wherein executing the virtual asset transfer request in the second request comprises:
transferring a second quantity of virtual assets from the first user account to a third platform account, the third platform account being an account of a third platform on the second platform.
7. The method of claim 4, wherein executing the virtual asset transfer request in the second request comprises:
transferring a second quantity of virtual assets from the first user account to a client of a first user;
converting a second number of virtual assets in the first user's client to a second number of asset credentials.
8. A data processing apparatus, characterized in that the apparatus comprises:
the device comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving an account establishment request sent by a first platform, the account establishment request comprises first user information, and the account establishment request is sent to the first platform by a first user;
the auditing unit is used for performing qualification auditing according to the first user information;
and the processing unit is used for establishing a first user account corresponding to the first user on the second platform according to the account establishment request if the qualification audit is passed.
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 steps of the method of any of claims 1 to 7 are implemented when the computer program is executed by the processor.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
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