CN115345750A

CN115345750A - Data processing method, device, equipment and medium

Info

Publication number: CN115345750A
Application number: CN202211010537.7A
Authority: CN
Inventors: 黎伟
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-08-23
Filing date: 2022-08-23
Publication date: 2022-11-15

Abstract

The present application relates to the field of data processing technologies, and in particular, to a data processing method, apparatus, device, and medium. In the embodiment of the application, a transaction request which is sent by a target account and carries information of a financing amount to be applied and a financing product to be purchased is received; freezing the pre-stored financing amount to be applied of the target account; sending the financing amount to be applied and the information of the financing product to be purchased to the first target device; and if a fund deduction instruction which is sent by the first target equipment and carries a first target share allowing deduction of the target account is received, deducting the amount of money corresponding to the first target share in the target account. After receiving the transaction request, the frozen amount of the target account is not deducted into the account of the affiliate, but is still stored in the target account, and when a fund deduction instruction is received, the amount corresponding to the first target share is deducted from the target account, so that the fund deduction process is simpler, and the transaction processing efficiency is higher.

Description

Data processing method, device, equipment and medium

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a data processing method, apparatus, device, and medium.

Background

In the related technology, in a financing and affiliating mode, when a customer purchases a financing product, a transaction request carrying a financing amount to be applied is initiated on an application date, then the financing amount to be applied in an account of the customer is frozen in real time as a frozen amount, the frozen amount is deducted into an account of an affiliate at the end of the application date, and if the affiliate determines that the frozen amount deduction is successful, transaction application data is generated and sent to a financing share registration (TA) system. The TA system is an important component of financial product transactions, among other things, for registering product shares for customers. After receiving the transaction application data, the TA system determines how many financial products the customer is allowed to purchase according to the transaction application data and the purchase rules of the various financial products stored in advance, registers shares of the customers allowed to purchase, and feeds back the registration result to the affiliate. And the agency deducts funds corresponding to the client under the account of the agency on the clearing day according to the registration result.

In the related technology, the frozen amount is deducted from the account of the client to the account of the affiliate on the same day of application, and then when the amount of the financing to be applied is larger than the amount corresponding to the share of the client allowed to purchase, the process of deducting the fund is complex, and the transaction efficiency of the financing product is low.

Disclosure of Invention

The application provides a data processing method, a data processing device, equipment and a data processing medium, which are used for solving the problems that in the prior art, a fund deduction process is complex, and the trading efficiency of financial products is low.

The embodiment of the application provides a data processing method, which comprises the following steps:

receiving a transaction request sent by a target account, wherein the transaction request carries information of a financing amount to be applied and a financing product to be purchased;

freezing the pre-stored financing amount to be applied of the target account; sending the financing amount to be applied and the information of the financing product to be purchased to a first target device;

and if a fund deduction instruction sent by the first target device is received, wherein the fund deduction instruction carries a first target share allowing deduction of the target account, deducting the amount of money corresponding to the first target share in the target account.

Further, before the pre-saved amount of financing to be applied of the target account is frozen, the method further comprises:

determining whether the balance of the target account is not less than the financing amount to be applied;

and if so, freezing the pre-stored financing amount to be applied of the target account.

Further, if the balance of the target account is less than the financing amount to be applied, the method further comprises:

and sending prompt information of insufficient balance to a second target device sending the transaction request.

Further, after the pre-stored amount of financing to be applied of the target account is frozen, before the information of the amount of financing to be applied and the financing product to be purchased is sent to the first target device, the method further comprises:

and after the amount of the financing to be applied is frozen and before the time of purchasing the financing product is allowed at the latest, determining whether a bill removing instruction sent by the target account is received, and if not, sending the amount of the financing to be applied and the information of the financing product to be purchased to a first target device.

Further, if a receipt removing instruction sent by the target account is received, the method further includes:

and unfreezing the financial amount to be applied frozen on the target account.

Further, before the deducting the amount corresponding to the first target share in the target account, the method further includes:

determining a target amount of the frozen amounts on the target account that is allowed to be used;

and determining whether the target amount is equal to the frozen amount, and if so, carrying out operation of deducting the amount corresponding to the first target share in the target account.

Further, if the target amount is not equal to the frozen amount, the method further comprises:

and sending an updating instruction to the first target device, wherein the updating instruction carries the target amount, so that the first target device updates the stored share of the actual purchased financial product of the target account according to the target amount.

debiting the target amount in the target account.

Further, after debiting the amount in the target account, the method further comprises:

updating the balance of the target account and the account of the affiliate according to the amount debited in the target account.

An embodiment of the present application further provides a data processing apparatus, where the apparatus includes:

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a transaction request sent by a target account, and the transaction request carries information of a financing amount to be applied and a financing product to be purchased;

the processing module is used for freezing the pre-stored financing amount to be applied of the target account; sending the financing amount to be applied and the information of the financing product to be purchased to a first target device;

and the deduction module is used for deducting the amount of money corresponding to the first target share in the target account if a fund deduction instruction sent by the first target device is received, wherein the fund deduction instruction carries the first target share allowing deduction of the target account.

Further, the processing module is further configured to determine whether the balance of the target account is not less than the financing amount to be applied; and if so, freezing the pre-stored financing amount to be applied of the target account.

Further, the processing module is further configured to send a prompt message of insufficient balance to a second target device that sends the transaction request if the balance of the target account is less than the financing amount to be applied.

Further, the processing module is further configured to determine whether a receipt removing instruction sent by the target account is received or not after the financial amount to be applied is frozen and before the time of purchasing the financial product is allowed at the latest, and if not, perform the operation of sending the financial amount to be applied and the information of the financial product to be purchased to the first target device.

Further, the processing module is further configured to unfreeze the financial amount to be applied frozen on the target account if a bill withdrawing instruction sent by the target account is received.

Further, the processing module is further configured to determine a target amount allowed to be used in the frozen amount on the target account; and determining whether the target amount is equal to the frozen amount, and if so, carrying out operation of deducting the amount corresponding to the first target share in the target account.

Further, the processing module is further configured to send an update instruction to the first target device if the target amount is not equal to the frozen amount, where the update instruction carries the target amount, so that the first target device updates, according to the target amount, a stored share of the financial product actually purchased corresponding to the target account.

Further, the processing module is further configured to debit the target amount in the target account if the target amount is not equal to the frozen amount.

Further, the processing module is further configured to update the balance of the target account and the account of the affiliate according to the amount of money debited in the target account.

An embodiment of the present application further provides an electronic device, where the electronic device includes a processor, and the processor is configured to implement the steps of the data processing method according to any one of the above descriptions when executing the computer program stored in the memory.

The embodiment of the present application further provides a computer-readable storage medium, which stores a computer program, and the computer program, when executed by a processor, implements the steps of the data processing method as described in any one of the above.

An embodiment of the present application further provides a computer program product, where the computer program product includes: computer program code for causing a computer to perform the steps of the data processing method as described in any one of the above when said computer program code is run on a computer.

In the embodiment of the application, a transaction request sent by a target account is received, wherein the transaction request carries information of a financing amount to be applied and a financing product to be purchased; freezing the pre-stored financing amount to be applied of the target account; sending the financing amount to be applied and the information of the financing product to be purchased to the first target device; and if a fund deduction instruction sent by the first target device is received, wherein the fund deduction instruction carries a first target share allowing the target account to be deducted, deducting the amount of money corresponding to the first target share in the target account. According to the method and the device for blocking the fund, after a transaction request is received, the blocked amount of the target account is not blocked in the account of the affiliate, but is still stored in the target account, and the amount corresponding to the first target share is blocked in the target account only when a fund blocking instruction is received, so that the corresponding fund blocking process is simpler, and the transaction efficiency of the financial product transaction is higher.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.

Fig. 1 is a schematic diagram of a data processing process according to some embodiments of the present application;

fig. 2 is a schematic view illustrating a daily operation flow of a TA system according to some embodiments of the present application;

FIG. 3 is a flow chart of purchasing a financial product according to some embodiments of the present application;

fig. 4 is a schematic flow chart illustrating a TA system performing share registration according to some embodiments of the present application;

FIG. 5 is a flow diagram illustrating a process for updating shares by a first target device when a target amount is not equal to a frozen amount in a target account according to some embodiments of the present disclosure;

FIG. 6 is a block diagram of a data processing apparatus according to some embodiments of the present application;

fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

To make the objects, technical solutions and advantages of the present application clearer, the present application will be described in further detail with reference to the accompanying drawings, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and 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.

In order to simplify the fund deduction process and improve the transaction efficiency of financial products, the embodiment of the application provides a data processing method, a device, equipment and a medium.

In the embodiment of the application, a transaction request sent by a target account is received, wherein the transaction request carries information of a financing amount to be applied and a financing product to be purchased; freezing the pre-stored financing amount to be applied of the target account; sending the financing amount to be applied and the information of the financing product to be purchased to a first target device; and if a fund deduction instruction sent by the first target device is received, wherein the fund deduction instruction carries a first target share allowing the target account to be deducted, deducting the amount corresponding to the first target share in the target account.

According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

Example 1:

fig. 1 is a schematic diagram of a data processing process provided in some embodiments of the present application, where the process includes the following steps:

s101: and receiving a transaction request sent by the target account, wherein the transaction request carries the financial amount to be applied and the information of the financial product to be purchased.

The data processing method provided by the embodiment of the application is applied to electronic equipment, the electronic equipment can be an intelligent terminal, a PC (personal computer) or a server and the like, and the electronic equipment is equipment for subsidizing financial products by a subsidy agency.

In the embodiment of the application, in order to determine which account wants to purchase which financial product and how many shares of financial products want to purchase, a target account sends a transaction request to an electronic device, and the electronic device receives the transaction request sent by the target account, where the transaction request carries information of a financial amount to be applied and a financial product to be purchased, where the target account is an account logged in by a customer who wants to purchase a financial product, and the day when the transaction request is sent by the target account is an application day.

In a possible implementation manner, when a customer wants to purchase a financial product, the customer may first log in an account number of the customer, that is, a target account number, based on a financial commission Application (APP) installed on a second target device used by the customer, and then select a financial product to be purchased and a financial amount to be purchased, at which time, the electronic device receives a transaction request which is sent by the second target device and carries information of the financial product to be purchased and the financial amount to be purchased. The second target device may be an intelligent terminal, a Mobile Internet Device (MID), a wearable device or a PC, and the like, wherein the financing affiliation application may be a financing affiliation application in various banks, a financing communication application in a WeChat, a financing affiliation application in a Payment bank, and the like.

In this embodiment of the present application, when a customer wants to purchase a financial product, the customer may further input basic information, personal basic information, other information, and the like of a transaction based on a financial commission application installed on a target device, that is, the transaction request received by the electronic device may further carry the basic information, the personal basic information, other information, and the like of the transaction, where the basic information of the transaction includes: number of application form, service code, product code, application date, currency, charging mode, charging type, etc.; the personal basic information includes: customer identification, account identification, seller code, website number, personal/institution identification, and the like; the other information includes: sales commission discount rate, account number of funds used for transactions at the seller, regional number of transactions, time-rated apply date, time-rated apply period, specified apply date, etc.

S102: freezing the pre-stored financing amount to be applied of the target account; and sending the financing amount to be applied and the information of the financing product to be purchased to a first target device.

In this embodiment of the present application, the electronic device pre-stores balance information in each account, and after receiving the transaction request sent by the target account, in order to ensure that sufficient amount of money is available for purchasing a financial product in the target account in subsequent clearing, the electronic device may first freeze the amount of money to be applied in the target account. For example, the electronic device holds the balance of account a in advance at 100 ten thousand, and if the amount of money to be applied is 30 ten thousand, 30 ten thousand in account a are frozen, and the remaining 70 ten thousand are not frozen.

In order to determine how much amount of financial products the target account allows to purchase, in the embodiment of the present application, the electronic device sends the amount of financial products to be applied for and information of financial products to be purchased to a first target device, where the first target device is a device operating a TA system.

After receiving the amount of financing to be applied and the information of the financing product to be purchased sent by the electronic device, the first target device determines how many financing products are allowed to be purchased by the target account according to the amount of financing to be applied and the information of the financing product to be purchased, that is, determines a first target share allowed to be deducted by the target account, wherein the first target share is a share to be cleared by the target account. Specifically, the first target device may pre-store a purchase rule of each financial product, determine a purchase rule corresponding to the financial product to be purchased according to information of the financial product to be purchased, and determine how many financial products are allowed to be purchased by the target account according to the purchase rule corresponding to the financial product to be purchased and the amount of financial money to be applied, that is, determine a first target share allowed to be deducted by the target account. And the amount corresponding to the first target share is not greater than the frozen amount of the target account. The purchase rule of each financial product specifies a unit price corresponding to each financial product, an upper limit and a lower limit of the share of each financial product allowed to be purchased, and the like in advance, for example, the unit price of the financial product a is 1000 yuan, and each account is limited to purchase 20 shares; the price of the financial product B is 999 yuan, the upper limit and the lower limit of the share without purchase, and the like, and specifically, the purchase rule of each financial product can be set according to the actual requirement.

For example, the unit price of the financial product a is 1000 yuan, each account is purchased at most 20 shares, if the amount of money to be applied by the target account is 1 ten thousand, the first target share allowed to be deducted by the target account is determined to be 10 shares, and if the amount of money to be applied by the target account is 3 ten thousand, the first target share allowed to be deducted by the target account is determined to be 20 shares.

Since the TA system on the first target device is mainly used to register the shares of the financial products of each account, in this embodiment of the present application, after determining the first target share of the target account, the first target device may first determine the first target share as the share of the actually purchased financial product corresponding to the target account, where the actually purchased financial product share is the share that is not cleared. Further, the shares of the financial products of the respective accounts registered in the first target device further include shares of the respective financial products previously purchased for completion, i.e., shares of the financial products that have been previously cleared for completion.

Specifically, for convenience of statistics, a share registry of each account may be further stored in the first target device, and for each account, shares of each financing product purchased by the account before and shares of the financing product not yet cleared are stored in the share registry of the account.

S103: and if a fund deduction instruction sent by the first target device is received, wherein the fund deduction instruction carries a first target share allowing deduction of the target account, deducting the amount of money corresponding to the first target share in the target account.

In order to determine how much of the frozen amount under the target account is deducted, that is, to determine how much of the financial product is allowed to be purchased by the target account, in the embodiment of the present application, after determining the first target share of which the target account is allowed to be deducted, the first target share of which the target account is allowed to be deducted is carried in a money deduction instruction and sent to the electronic device by the first target device, and at this time, the electronic device receives the money deduction instruction which is sent by the first target device and carries the first target share of which the target account is allowed to be deducted. The electronic device generally receives the fund deduction instruction sent by the first target device on a clearing date corresponding to the application date of the transaction application.

In this embodiment, in order to accurately deduct the amount of money in the frozen amount of money in the target account, the electronic device deducts the amount of money corresponding to the first target share from the target account, specifically, deducts the amount of money corresponding to the first target share from the frozen amount of money in the target account.

Fig. 2 is a schematic view illustrating a daily operation flow of a TA system according to some embodiments of the present application, and is described with reference to fig. 2.

The phases of the TA system daily operation include: the beginning of the day stage, the clearing stage, the end of the day stage, etc.

The main tasks of the initial stage are data preparation and data processing, such as share initialization, quota initialization, key table backup and the like under each account.

The main tasks of the clearing phase are clearing processing of the account class application, clearing processing of the transaction class application, such as share updating, share detail updating, share calculation result derivation and the like.

Wherein, the updated share comprises share registration of the new client, share increase registration of the old client on the current day, share decrease registration of the old client on the current day, and the like.

The share detail mainly includes a detail number, a share registration date, a share change date, a clearing date unit net value, a clearing date accumulated net value, and the like.

The share calculation mainly comprises the steps of determining shares to be cleared of each account according to the amount to be applied for each account, information of financial products to be purchased and purchasing rules of each financial product which are preserved in advance, determining commission amount of purchasing transactions of the financial products and the like.

The derivation of the share calculation result mainly includes that shares to be cleared of each account and the commission amount generated by the share calculation are carried in a fund deduction instruction and are sent to the electronic device, so that the subsequent electronic device carries out fund deduction according to the shares to be cleared of each account and the commission amount.

It should be noted that the procedure amount corresponding to each financial product purchase transaction may be set according to a requirement, for example, the procedure amount corresponding to each financial product purchase transaction may be a preset procedure amount, and the corresponding procedure amount may be determined according to the to-be-cleared share, which may be in direct proportion to the procedure amount, and the specific process of determining the procedure amount is not limited herein.

After receiving a fund deduction instruction carrying the share to be cleared and the commission amount of each account, the electronic equipment deducts the amount corresponding to the share to be cleared and the commission amount from each account.

The final day stage is mainly used for performing subsequent work after clearing is completed, such as product state synchronization, processing of number of taken persons and the like.

In the embodiment of the application, after the financial amount to be applied under the target account is frozen on the day of application, the frozen amount is not deducted into the account of the affiliate mechanism, but the amount corresponding to the first target share allowed to be deducted from the target account is deducted on the day of liquidation, so that the frozen amount interest can be obtained by the target account during the interval between the day of application and the liquidation, the fund use efficiency is improved, and the customer experience is improved. The interest of the frozen amount refers to the interest of the frozen amount generated during the freezing period after the required funds are frozen when the target account purchases the financial products.

According to the method and the device for blocking the fund, after a transaction request is received, the blocked amount of the target account is not blocked in the account of the affiliate, but is still stored in the target account, and the amount corresponding to the first target share is blocked in the target account only when a fund blocking instruction is received, so that the corresponding fund blocking process is simpler, and the transaction efficiency of the financial product transaction is higher.

Example 2:

in order to determine whether the target account has enough money to purchase the financing product of the pending financing amount, in the embodiment of the present application, before the pre-saved pending financing amount of the target account is frozen, the method further includes:

In this embodiment, the balance of the target account may not be less than the amount of financing to be applied, or may be less than the amount of financing to be applied, and when the balance of the target account is less than the amount of financing to be applied, a financing product of the amount of financing to be applied cannot be purchased. For example, the balance of the target account may be 10 ten thousand, and the amount of money to be applied by the target account is 20 ten thousand, and at this time, the balance cannot be used for purchasing 20 ten thousand money management products.

In order to accurately determine whether the target account has enough money to purchase the financing product of the financing amount to be applied, in the embodiment of the application, before the pre-stored financing amount to be applied of the target account is frozen, it is determined whether the balance of the target account is not less than the financing amount to be applied, if so, it is determined that the current balance of the target account is sufficient, that is, enough money can purchase the financing product of the financing amount to be applied, and therefore, the operation of freezing the pre-stored financing amount to be applied of the target account can be performed.

In order to ensure that the target account has a sufficient amount to purchase the financing product of the pending financing amount, in the embodiments of the present application, on the basis of the above embodiments, if the balance of the target account is not greater than the pending financing amount, the method further includes:

If the balance of the target account is determined to be smaller than the to-be-applied financing amount, the current balance of the target account is determined to be insufficient, namely, no enough financing product with the to-be-applied financing amount can be purchased, and therefore the pre-stored to-be-applied financing amount of the target account cannot be frozen. In order to enable the client logging in the target account to know that the balance of the current account is insufficient, in the embodiment of the application, after the balance of the target account is determined to be smaller than the amount of financing to be applied, a prompt message of insufficient balance may be sent to the second target device.

The second target device may output a voice message of "you are not enough in current balance and please recharge as soon as possible" and may also output a text message of "you are not enough in current balance and please recharge as soon as possible" after receiving the prompt message.

It should be noted that, in addition to determining whether the balance of the account is sufficient, the electronic device may also control other product-related parameters such as a transaction step size, a minimum purchase amount, an upper limit of a single transaction, an upper limit of a single-day accumulated transaction, a line of a current day of purchase, a level difference, and the like.

Example 3:

in order to ensure that when a customer needs to cancel the purchase of a financial product, an electronic device can respond to the customer's needs in time and improve the customer's experience, in the embodiment of the present application, on the basis of the above embodiments, after the amount of financial to be applied of the target account stored in advance is frozen, before the amount of financial to be applied and information of the financial product to be purchased are sent to a first target device, the method further includes:

and after the amount of the financing to be applied is frozen and before the time of purchasing the financing product is allowed at the latest, determining whether a bill removing instruction sent by the target account is received, and if not, sending the amount of the financing to be applied and the information of the financing product to be purchased to a first target device. Since the time allowed to purchase the financial product at the latest is often fixed and known, for example, the time period of 9-00-15. The client initiates a transaction request on the application date, freezes the corresponding amount in the target account according to the amount of financing to be applied carried in the transaction request in real time, and can send a withdrawal order instruction to the electronic equipment if the target account wants to withdraw the order before the time of purchasing the financing product is allowed to be ended at the latest.

For example, on 8/2/2022, account a sends the transaction request 9:00, the time when account B sends the transaction request is 10:00, the time allowed to purchase the financial product at the latest is 15:30, therefore, account a may send the revocation order to the electronic device at 9.

In the embodiment of the application, if it is determined that the order withdrawing instruction sent by the target account is not received after the financial amount to be applied is frozen and before the time of purchasing the financial product is allowed at the latest, the operation of sending the financial amount to be applied and the information of the financial product to be purchased to the first target device is performed.

In order to ensure that a customer can respond to the customer's demand in time and improve the customer's experience when the customer has a demand for canceling financial products, on the basis of the above embodiments, in the embodiment of the present application, if a bill canceling instruction sent by the target account is received, the method further includes:

and unfreezing the financial amount to be applied frozen on the target account.

And if the order removing instruction sent by the target account is received before the time of purchasing the financial product is allowed at the latest after the financial amount to be applied is frozen, unfreezing the frozen financial amount to be applied on the target account after the order removing instruction is received, so that the financial amount can be used by the client of the target account.

Fig. 3 is a flow chart of purchasing a financial product according to some embodiments of the present application, and is described with reference to fig. 3.

The method comprises the steps that a client logs in a target account based on a financing affiliation application program, and selects a financing amount to be applied and a financing product to be purchased, and at the moment, electronic equipment receives a transaction request sent by the target account, wherein the transaction request carries information of the financing amount to be applied and the financing product to be purchased.

The electronic equipment determines whether the balance of the target account stored in advance is not less than the amount of the financing to be applied or not, if so, the fund is sufficient, the amount of the financing to be applied under the target account can be frozen, then after freezing, before the time of purchasing the financing product is allowed at the latest, whether a withdrawal order instruction sent by the target account is received or not is determined, if so, the frozen amount under the target account is unfrozen, and if not, the amount of the financing to be applied and the information of the financing product to be purchased are sent to the first target equipment.

Example 4:

in order to accurately deduct the frozen amount of money in the target account, on the basis of the foregoing embodiments, in an embodiment of the present application, before deducting the amount of money corresponding to the first target share in the target account, the method further includes:

In the embodiment of the application, because a certain time interval exists between the application date of the transaction request submitted by the target account and the clearing date of the fund deduction, some sudden problems may exist in the target account within the time interval, so that all or part of the frozen amount on the target account is not allowed to be used, for example, the target account is frozen, so that all the frozen amount on the target account on the day of the clearing date may be not allowed to be used; a limit problem with the target account may result in a portion of the frozen amount on the target account not being allowed for use, and so on.

Therefore, in order to accurately deduct the frozen amount in the target account, in the embodiment of the application, before deducting the amount corresponding to the first target share in the target account, the target amount allowed to be used in the frozen amount in the target account is determined, wherein the target amount is not greater than the frozen amount. And then determining whether the target amount is equal to the frozen amount, if so, indicating that the frozen amount can be used completely, and performing operation of deducting the amount corresponding to the first target portion in the target account. After the amount of the first target share is deducted from the target account, the difference value between the pre-stored balance of the target account and the amount corresponding to the first target share is updated to the balance of the target account, and the pre-stored balance of the account corresponding to the affiliate is updated according to the amount corresponding to the first target share.

In order to accurately deduct the frozen amount in the target account, on the basis of the foregoing embodiments, in an embodiment of the present application, if the target amount is not equal to the frozen amount, the method further includes:

and sending an updating instruction to the first target device, wherein the updating instruction carries the target amount, so that the first target device updates the saved share of the actual purchased financial product of the target account according to the target amount.

If the target amount is not equal to the frozen amount, the frozen amount is determined to be partially or completely not allowed to be used, and the first target device pre-stores the actual purchased share of the financial products corresponding to the target account, wherein before the fund deduction, the actual purchased share of the financial products corresponding to the target account stored by the first target device is determined according to the to-be-processed share of the financial products corresponding to the target account, namely the actual purchased share of the financial products corresponding to the target account stored by the first target device is the first target share. However, at this time, since the frozen amount may be partially usable or may not be usable at all, which results in that the first target share of the financial product is not enough to be purchased, an update instruction needs to be sent to the first target device, where the update instruction carries the target amount, so that the first target device updates the saved share of the actual purchased financial product of the target account according to the target amount.

For example, for a financial product a, the unit price of the financial product a is 1000 yuan, each account is restricted to buy 20 shares, if the amount of money to be applied by a target account is 3 ten thousand, it is determined that a first target share allowed to be deducted by the target account is 20 shares, therefore, the share of the actual purchased financial product corresponding to the target account stored by the first target device is 20 shares, if it is subsequently determined that the target amount allowed to be used in the frozen amounts on the target account is 1 ten thousand, an update instruction carrying the target amount is sent to the first target device, and the first target device updates the saved shares of the actual purchased financial product corresponding to the target account to 10 shares according to the target amount.

It should be noted that, in addition to the target amount, the update instruction sent by the electronic device to the first target device may also carry information such as an application form number, a product code, a transaction occurrence date, a transaction occurrence time, a transaction account number, a seller code, the number of application copies, an application amount, a service code, a TA account number, a settlement currency, an original application form number, an original application date, and an original confirmation serial number of the TA.

Fig. 4 is a schematic flowchart of a TA system performing share registration according to some embodiments of the present application, and is described with reference to fig. 4.

After receiving the amount of financing to be applied and the information of the financing products to be purchased sent by the electronic equipment, the first target equipment (TA system) determines a first target share allowing the target account to be deducted according to the purchase rules of the financing products preserved in advance, and then sets the share of the financing products actually purchased corresponding to the target account as the first target share in a share registry of the target account preserved in advance by the first target equipment.

And the first target device carries the first target share in a fund deduction instruction and sends the fund deduction instruction to the electronic device, the electronic device firstly determines the target amount allowed to be used in the frozen amount on the target account and determines whether the target amount is equal to the frozen amount under the target account, and if so, the amount corresponding to the first target share is deducted from the target account. And if not, the electronic equipment sends an updating instruction carrying a target amount to the first target equipment, and the first target equipment updates the stored share of the actual purchased financial product of the target account according to the target amount.

Fig. 5 is a flowchart illustrating a process of updating shares by a first target device when a target amount is not equal to a frozen amount in a target account according to some embodiments of the present application, and is described with reference to fig. 5.

The first target device receives an updating instruction sent by the electronic device, wherein the updating instruction carries data such as a request form number, a product code, a transaction occurrence date, a transaction occurrence time, a transaction account number, a seller code, the number of application copies, an application amount, a service code, a TA account number, a settlement currency, an original request form number, an original application date, an original confirmation serial number of the TA and the like in addition to a target amount, searches the corresponding actually purchased share of the originally recorded target account in a share registration table corresponding to the target account number pre-stored in the first target device according to all information carried in the updating instruction, then updates the stored corresponding actually purchased share of the target account according to the target amount, and records the date, time and the like of share updating. The share updating detail can be recorded, and specifically, the data can include detail number, share registration date, share change date, share reduction on the same day, unit net value of clearing day, accumulated net value of clearing day, and the like.

In order to accurately debit the frozen amount in the target account, based on the foregoing embodiments, in an embodiment of the present application, if the target amount is not equal to the frozen amount, the method further includes:

debiting the target amount in the target account.

In this embodiment of the present application, before deducting the amount corresponding to the first target share in the target account, if it is determined that the target amount allowed to be used in the frozen amount in the target account is not equal to the frozen amount, it indicates that part of the frozen amount is allowed to be used, or all of the frozen amount is not allowed to be used, so that the target amount may be deducted from the target account, specifically, the target amount is deducted from the frozen amount in the target account.

In order to ensure that the balance of the affiliate is accurate after the fund is deducted, on the basis of the above embodiments, after the deduction amount is deducted from the target account, the method further comprises:

updating balances of the target account and the affiliate's account based on the amount debited in the target account.

In the embodiment of the application, after the amount of money is deducted from the target account, in order to ensure that the respective balances of the target account and the affiliate mechanism are accurate after the money is deducted, the balances of the target account and the account of the affiliate mechanism are updated according to the deducted amount of money from the target account.

Specifically, the difference between the amount of the target account before the fund is deducted and the deducted amount is updated to the balance of the target account, and the sum of the balance of the account corresponding to the affiliate before the fund is deducted and the deducted amount is updated to the balance of the account corresponding to the affiliate.

Example 5:

fig. 6 is a schematic structural diagram of a data processing apparatus according to some embodiments of the present application, where the apparatus includes:

the system comprises a receiving module 601, a processing module and a processing module, wherein the receiving module 601 is used for receiving a transaction request sent by a target account, and the transaction request carries information of a financing amount to be applied and a financing product to be purchased;

the processing module 602 is configured to freeze the pre-stored financing amount to be applied for the target account; sending the financing amount to be applied and the information of the financing product to be purchased to a first target device;

and a deducting module 603, configured to deduct an amount corresponding to a first target share in the target account if a fund deducting instruction sent by the first target device is received, where the fund deducting instruction carries the first target share allowed to be deducted from the target account.

In a possible implementation manner, the processing module 602 is further configured to determine whether the balance of the target account is not less than the amount of financing to be applied; and if so, freezing the pre-stored financing amount to be applied of the target account.

In a possible implementation manner, the processing module 603 is further configured to send a prompt message of insufficient balance to a second target device that sends the transaction request, if the balance of the target account is less than the amount of financing to be applied.

In a possible implementation manner, the processing module 602 is further configured to determine whether a receipt removing instruction sent by the target account is received before a time of allowing the financial product to be purchased at the latest after the financial amount to be applied is frozen, and if not, perform the operation of sending the financial amount to be applied and information of the financial product to be purchased to the first target device.

In a possible implementation manner, the processing module 602 is further configured to unfreeze the financial amount to be applied, which is frozen on the target account, if a receipt removing instruction sent by the target account is received.

In a possible implementation, the processing module 602 is further configured to determine a target amount allowed to be used in the frozen amount on the target account; and determining whether the target amount is equal to the frozen amount, and if so, carrying out operation of deducting the amount corresponding to the first target share in the target account.

In a possible implementation manner, the processing module 602 is further configured to send an update instruction to the first target device if the target amount is not equal to the frozen amount, where the update instruction carries the target amount, so that the first target device updates the stored share of the financial product actually purchased in the target account according to the target amount.

In a possible implementation manner, the processing module 602 is further configured to debit the target amount in the target account if the target amount is not equal to the frozen amount.

In a possible implementation, the processing module 602 is further configured to update the balance of the target account and the account of the affiliate according to the amount debited in the target account.

Example 6:

on the basis of the foregoing embodiments, an embodiment of the present application further provides an electronic device, and fig. 7 is a schematic structural diagram of the electronic device provided in the embodiment of the present application, as shown in fig. 7, including: the system comprises a processor 701, a communication interface 702, a memory 703 and a communication bus 704, wherein the processor 701, the communication interface 702 and the memory 703 complete mutual communication through the communication bus 704;

the memory 703 has stored therein a computer program which, when executed by the processor 701, causes the processor 701 to perform the steps of:

In a possible embodiment, the processor 701 is further configured to determine whether the balance of the target account is not less than the amount of financing to be applied; and if so, freezing the pre-stored financing amount to be applied of the target account.

In a possible implementation manner, the processor 701 is further configured to send a prompt message of insufficient balance to a second target device sending the transaction request if the balance of the target account is less than the amount of financing to be applied.

In a possible implementation manner, the processor 701 is further configured to determine whether a receipt removing instruction sent by the target account is received before the time of allowing the financial product to be purchased at the latest after the financial amount to be applied is frozen, and if not, perform the operation of sending the financial amount to be applied and the information of the financial product to be purchased to the first target device.

In a possible implementation manner, the processor 701 is further configured to unfreeze the financial amount to be applied, which is frozen on the target account, if a receipt removing instruction sent by the target account is received.

In a possible implementation manner, the processor 701 is further configured to determine a target amount allowed to be used in the frozen amount on the target account; and determining whether the target amount is equal to the frozen amount, and if so, carrying out operation of deducting the amount corresponding to the first target share in the target account.

In a possible implementation manner, the processor 701 is further configured to send an update instruction to the first target device if the target amount is not equal to the frozen amount, where the update instruction carries the target amount, so that the first target device updates the saved share of the actually purchased financial product of the target account according to the target amount.

In a possible implementation manner, the processor 701 is further configured to debit the target amount in the target account if the target amount is not equal to the frozen amount.

In a possible embodiment, the processor 701 is further configured to update the balance of the target account and the account of the affiliate according to the amount debited in the target account.

The communication bus mentioned in the electronic device may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The communication bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown, but this does not mean that there is only one bus or one type of bus.

The communication interface 702 is used for communication between the above-described electronic apparatus and other apparatuses. The Memory may include a Random Access Memory (RAM) or a Non-Volatile Memory (NVM), such as at least one disk Memory. Alternatively, the memory may be at least one memory device located remotely from the processor.

The Processor may be a general-purpose Processor, including a central processing unit, a Network Processor (NP), and the like; but may also be a Digital instruction processor (DSP), an application specific integrated circuit, a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or the like.

Example 7:

on the basis of the foregoing embodiments, the present invention further provides a computer-readable storage medium, in which a computer program executable by a processor is stored, and when the program is run on the processor, the processor is caused to execute the following steps:

Further, after the pre-saved amount of financing to be applied of the target account is frozen, before the information of the amount of financing to be applied and the financing product to be purchased is sent to the first target device, the method further comprises:

and unfreezing the financial amount to be applied frozen on the target account.

Further, before the debiting the amount of money corresponding to the first target share in the target account, the method further comprises:

debiting the target amount in the target account.

Example 8:

the embodiment of the present application further provides a computer program product, and when executed by a computer, the computer program product implements the data processing method described in any method embodiment applied to an electronic device.

In the above embodiments, the implementation may be realized in whole or in part by software, hardware, firmware, or any combination thereof, and may be realized in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions which, when loaded and executed on a computer, cause a process or function according to an embodiment of the application to be performed, in whole or in part.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims

1. A data processing method, comprising:

2. The method of claim 1, wherein before said blocking said pre-saved amount of financing to be applied for said target account, said method further comprises:

3. The method of claim 2, wherein if the balance of the target account is less than the amount of financing to be applied, the method further comprises:

4. The method of claim 1, wherein after freezing the amount of financing to be applied of the target account which is saved in advance, and before sending the information of the amount of financing to be applied and the financing product to be purchased to the first target device, the method further comprises:

5. The method of claim 4, wherein if a drop order instruction sent by the target account is received, the method further comprises:

and unfreezing the financial amount to be applied frozen on the target account.

6. The method of claim 1, wherein prior to debiting the target account for the amount corresponding to the first target share, the method further comprises:

7. The method of claim 6, wherein if the target amount is not equal to the frozen amount, the method further comprises:

8. The method of claim 6, wherein if the target amount is not equal to the frozen amount, the method further comprises:

debiting the target amount in the target account.

9. The method of any one of claims 1-8, wherein after debiting an amount in the target account, the method further comprises:

10. A data processing apparatus, comprising:

11. The apparatus of claim 10, wherein the processing module is further configured to determine whether the balance of the target account is not less than the amount of financing to be applied; and if so, freezing the pre-stored financing amount to be applied of the target account.

12. The apparatus of claim 11, wherein the processing module is further configured to send a message indicating that the balance is insufficient to a second target device sending the transaction request if the balance of the target account is less than the amount of financing to be applied.

13. The apparatus according to claim 10, wherein the processing module is further configured to determine whether a receipt removing instruction sent by the target account is received before a time of allowing the financial product to be purchased at the latest after the financial amount to be applied is frozen, and if not, perform the operation of sending the financial amount to be applied and information of the financial product to be purchased to the first target device.

14. The apparatus of claim 13, wherein the processing module is further configured to unfreeze the amount of financing to be applied that is frozen on the target account if a withdrawal instruction sent by the target account is received.

15. The apparatus of claim 10, wherein the processing module is further configured to determine a target amount of money allowed to be used from among the frozen amounts of money on the target account; and determining whether the target amount is equal to the frozen amount, and if so, performing operation of deducting the amount corresponding to the first target portion in the target account.

16. The apparatus according to claim 15, wherein the processing module is further configured to send an update instruction to the first target device if the target amount is not equal to the frozen amount, where the update instruction carries the target amount, so that the first target device updates the saved share of the financial product actually purchased in the target account according to the target amount.

17. The apparatus of claim 15, wherein the processing module is further configured to debit the target account for the target amount if the target amount is not equal to the frozen amount.

18. The apparatus of any one of claims 10-17, wherein the processing module is further configured to update the balance of the target account and the affiliate's account based on the amount debited in the target account.

19. An electronic device, characterized in that the electronic device comprises a processor for implementing the steps of the data processing method according to any of claims 1-9 when executing a computer program stored in a memory.

20. A computer-readable storage medium, characterized in that it stores a computer program which, when being executed by a processor, carries out the steps of the data processing method according to any one of claims 1 to 9.

21. A computer program product, the computer program product comprising: computer program code for causing a computer to carry out the steps of the data processing method as claimed in any one of claims 1 to 9 when said computer program code is run on a computer.