CN116149621A - Access method, system, equipment and medium of bank virtual account - Google Patents
Access method, system, equipment and medium of bank virtual account Download PDFInfo
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Abstract
The invention provides a method, a system, equipment and a medium for accessing a bank virtual account, wherein the method for accessing the bank virtual account comprises the following steps: setting all the same or similar function interfaces of different banks as the same bank function interface name according to the functions; creating a platform function interface and a setting interface corresponding to the platform function interface; after receiving an instruction of a user about processing a specified service of a specified bank, calling a platform function interface corresponding to the specified service; designating platform function interfaces corresponding to the service to call all corresponding setting interfaces; if only a part of bank function interfaces in the interfaces need to be set, the platform function interface corresponding to the appointed service calls the part of bank function interfaces, and the rest of bank function interfaces are empty. The invention performs unified call of the bank function interface through the platform function interface, and performs null realization on the bank function interface which is not required to be called, thereby realizing the de-differentiation of the functions of different banks, and the whole access flow is clear and unified.
Description
Technical Field
The embodiment of the invention relates to the technical field of computers, in particular to a method, a system, equipment and a medium for accessing a bank virtual account.
Background
The existing method for accessing the virtual account of the bank is to newly establish a whole set of code logic for each bank, and even the same function of different banks, the platform still selects the calling and accessing functions according to the different code logic of different banks, and the whole set of access logic needs to be rewritten every time when a bank is newly accessed.
However, the access mode is high in research and development cost, code redundancy is high due to high repeatability of the logic, storage structures used in the bottom layer are separated due to the fact that different bank interface fields are different, good closing-in is not achieved due to the fact that differences among different banks, a set of general emergency treatment scheme is difficult to establish due to the fact that enough constraint and standard pushing are used for differentiating closing-in logic, service understanding difficulty is increased to the upstream and downstream, and service understanding cost is raised.
Disclosure of Invention
The embodiment of the invention provides a method, a system, equipment and a medium for accessing a bank virtual account, which are used for solving the technical problems caused by the fact that the repeated logic research and development cost is high, and insufficient constraint and standard pushing are not enough to drive different closing logics.
In order to solve the technical problems, the invention is realized as follows:
in a first aspect, an embodiment of the present invention provides a method for accessing a virtual account of a bank, including:
uniformly setting all the same or similar function interfaces of different banks into the same bank function interface names according to the function classification, wherein the bank function interfaces are used for carrying out business processing;
creating a platform function interface and a setting interface corresponding to the platform function interface, wherein the platform function interface is used for calling the setting interface corresponding to the platform function interface, and the setting interface is a set of all bank function interfaces which need to be called when all banks process the same appointed service, wherein when the same appointed service of different banks is executed, the platform function interface corresponding to the appointed service uniformly calls the setting interface corresponding to the platform function interface;
after receiving an instruction of a user about processing a specified service of a specified bank, calling a platform function interface corresponding to the specified service;
starting the platform function interface corresponding to the appointed service to call the tasks of all the set interfaces corresponding to the platform function interface corresponding to the appointed service;
If the bank processes the appointed business, only setting part of bank function interfaces in the interfaces, calling the part of bank function interfaces in the interfaces by the platform function interfaces corresponding to the appointed business, and implementing the blank of the bank function interfaces except the part of bank function interfaces in the interfaces.
Optionally, the specified service includes: the business of the merchant about opening the virtual account under the appointed bank main account;
the platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
if the virtual account under the bank opening main account only needs a virtual account opening function interface, the platform virtual account application interface calls the virtual account opening function interface of the bank to acquire virtual account data, and the task of calling the virtual account inquiry interface of the bank is emptied;
If the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank and then calls the virtual account inquiry interface of the bank to acquire virtual account data;
distributing the obtained virtual account data to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
Optionally, the specified service includes: a service related to opening a virtual account under a designated bank main account;
the platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
if the virtual account under the main account is opened by the bank only needs a virtual account opening function interface, the platform virtual account application interface calls the virtual account opening function interface of the bank to acquire a plurality of virtual account data and stores the virtual account data, and the task calling the virtual account inquiry interface of the bank is emptied;
If the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank, and then calls the virtual account inquiry interface of the bank to acquire and store a plurality of virtual account data;
after receiving a request of a merchant about opening a virtual account corresponding to the bank main account, selecting one virtual account from the virtual account data to be allocated to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
Optionally, the specified service includes: opening the business of the virtual account under the main account under the commercial tenant line sent by the bank;
the platform function interface comprises: a platform virtual account application interface and a platform virtual account adding interface;
the setting interface of the platform virtual account application interface comprises the following steps: a virtual account opening function interface and a virtual account inquiring function interface;
the setting interface of the platform virtual account adding interface comprises the following steps: adding a functional interface to the virtual account;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
The platform virtual account application interface calls the tasks of the virtual account opening function interface and the virtual account inquiry interface of the bank to be realized in a blank mode;
calling a platform virtual account adding interface corresponding to the added virtual account;
the platform virtual account adding interface calls a virtual account adding function interface of the bank, and virtual account data are distributed to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
Optionally, the specified service includes: inquiring the business of the appointed main account of the appointed bank or the running water information of the virtual account;
the platform function interface comprises: a platform pipeline inquiry interface;
the setting interface comprises: the method comprises the steps of regularly acquiring a running water function interface, a daily cutting processing function interface, a page running water function interface and a dynamic account notification function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the implementation of the blank of the bank function interfaces except for the part of the bank function interfaces in the set interfaces comprises the following steps:
counting and storing the obtained flow information of the virtual account by the dimension of the main account;
And inquiring and returning the flow information of the main account or the virtual account according to the flow information of the main account dimension.
Optionally, before the calculating and storing the obtained flow information of the virtual account in the main account dimension, the method further includes:
judging whether the flow information of the virtual account accords with general check logic or not;
if the flow information of the virtual account accords with the general check logic, storing the flow information of the virtual account into a database;
and if the flow information of the virtual account does not accord with the general check logic, sending an alarm notification.
Optionally, the general check logic includes:
the primary account, the virtual account, the running amount, the running date, the lending/lending and the payer information are consistent.
In a second aspect, an embodiment of the present invention provides an access system for a virtual account of a bank, including:
the interface name unifying module is used for unifying all the same or similar function interfaces of different banks into the same bank function interface name according to the function classification, and the bank function interfaces are used for carrying out service processing;
the system comprises a creation module, a platform function interface and a setting module, wherein the creation module is used for creating the platform function interface and a setting interface corresponding to the platform function interface, the platform function interface is used for calling the setting interface corresponding to the platform function interface, the setting interface is a set of all bank function interfaces which need to be called when all banks process the same appointed service, and the platform function interface corresponding to the appointed service uniformly calls the setting interface corresponding to the platform function interface when different banks execute the same appointed service;
The interface calling module is used for calling and processing a platform function interface corresponding to the appointed business after receiving an instruction of a user about processing the appointed business of the appointed bank;
the task calling module is used for starting the platform function interface corresponding to the appointed service to call the tasks of all the set interfaces corresponding to the platform function interface corresponding to the appointed service;
and the calling task first sub-module is used for calling part of the bank function interfaces in the setting interfaces by the platform function interfaces corresponding to the appointed service if the bank processes the appointed service and only needs to set part of the bank function interfaces in the interfaces, and performing idle realization on the bank function interfaces except the part of the bank function interfaces in the setting interfaces.
In a third aspect, an embodiment of the present invention provides an electronic device, including: a processor, a memory and a program stored on the memory and executable on the processor, which when executed by the processor implements the steps of the method for accessing a bank virtual account as described in the first aspect above.
In a fourth aspect, an embodiment of the present invention provides a computer readable storage medium, on which a computer program is stored, the computer program implementing the steps of the method for accessing a bank virtual account according to the first aspect, when the computer program is executed by a processor.
In the invention, all the same or similar function interfaces of different banks are set as the same bank function interface names according to functions, the difference of the stage of calling the bank interfaces is removed, the platform function interfaces and the setting interfaces corresponding to the platform function interfaces are created, the setting interfaces are the set of all the bank function interfaces which need to be called when all banks process the same appointed service, the platform function interfaces corresponding to the appointed service are further used for uniformly calling the setting interfaces corresponding to the platform function interfaces when the same appointed service of different banks is executed, unification and de-differentiation of the accessed bank function interfaces are realized on the platform layer, clear unification of the access flow is realized, if only part of the bank function interfaces in the interfaces are required to be set in actual calling, part of the bank function interfaces are called for the appointed service, and the rest of the bank function interfaces are realized in a null mode.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to designate like parts throughout the figures. In the drawings:
fig. 1 is a flowchart of a method for accessing a virtual account of a bank according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method for applying for a virtual account of a bank according to an embodiment of the present invention;
FIG. 3 is a flowchart of a method for running a line inquiry of a virtual bank account according to an embodiment of the present invention;
fig. 4 is a schematic diagram of accessing each module of a bank virtual account according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an access system for a virtual account of a bank according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Referring to fig. 1, an embodiment of the present invention provides a method for accessing a virtual account of a bank, including:
step 11: uniformly setting all the same or similar function interfaces of different banks into the same bank function interface names according to the function classification, wherein the bank function interfaces are used for carrying out business processing;
for example, some banks refer to virtual accounts as multi-level account books, and in order to maintain consistency of services, the embodiments of the present invention label functions of the virtual accounts, and corresponding multi-level account book opening functions are also uniformly labeled as virtual account opening function interfaces on a platform.
Step 12: creating a platform function interface and a setting interface corresponding to the platform function interface, wherein the platform function interface is used for calling the setting interface corresponding to the platform function interface, and the setting interface is a set of all bank function interfaces which need to be called when all banks process the same appointed service, wherein when the same appointed service of different banks is executed, the platform function interface corresponding to the appointed service uniformly calls the setting interface corresponding to the platform function interface;
step 13: after receiving an instruction of a user about processing a specified service of a specified bank, calling a platform function interface corresponding to the specified service;
Step 14: starting the platform function interface corresponding to the appointed service to call the tasks of all the set interfaces corresponding to the platform function interface corresponding to the appointed service;
step 15: if the bank processes the appointed business, only setting part of bank function interfaces in the interfaces, calling the part of bank function interfaces in the interfaces by the platform function interfaces corresponding to the appointed business, and implementing the blank of the bank function interfaces except the part of bank function interfaces in the interfaces.
And if the bank has all the setting interfaces of the platform function interface, the platform function interface calls all the setting interfaces of the bank to carry out business processing.
And when the code is executed, a section of empty implementation is automatically executed to execute the task which is not required to be executed and is used for calling other set interfaces.
In the invention, all the same or similar function interfaces of different banks are set as the same bank function interface names according to functions, the difference of the stage of calling the bank interfaces is removed, the platform function interfaces and the setting interfaces corresponding to the platform function interfaces are created, the setting interfaces are the set of all the bank function interfaces which need to be called when all banks process the same appointed service, the platform function interfaces corresponding to the appointed service are further used for uniformly calling the setting interfaces corresponding to the platform function interfaces when the same appointed service of different banks is executed, unification and de-differentiation of the accessed bank function interfaces are realized on the platform layer, clear unification of the access flow is realized, if only part of the bank function interfaces in the interfaces are required to be set in actual calling, part of the bank function interfaces are called for the appointed service, and the rest of the bank function interfaces are realized in a null mode.
Referring to fig. 2, in an embodiment of the present invention, optionally, the designated service includes: the business of the merchant about opening the virtual account under the appointed bank main account;
the platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
if the virtual account under the bank opening main account only needs a virtual account opening function interface, the platform virtual account application interface calls the virtual account opening function interface of the bank to acquire virtual account data, and the task of calling the virtual account inquiry interface of the bank is emptied;
if the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank and then calls the virtual account inquiry interface of the bank to acquire virtual account data;
Distributing the obtained virtual account data to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
Further, the processing can be performed by judging whether the request of the bank for processing the virtual account application is asynchronous processing or not:
judging whether the request of the bank for processing the virtual account application is asynchronous processing or not, wherein the asynchronous processing is that after a function interface is opened to a virtual account of a calling bank, the virtual account data can be acquired only by additionally calling a virtual account inquiry interface;
if the processing is not asynchronous, the platform virtual account application interface calls a virtual account opening function interface of the bank to acquire virtual account data, and the virtual account inquiry interface of the bank is called to do empty realization;
if the virtual account application interface is asynchronous, the virtual account application interface of the platform firstly calls the virtual account opening function interface of the bank, and then calls the virtual account inquiry interface of the bank to acquire virtual account data;
distributing the obtained virtual account data to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
Referring to fig. 2, in an embodiment of the present invention, optionally, the designated service includes: a service related to opening a virtual account under a designated bank main account;
The platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
if the virtual account under the main account is opened by the bank only needs a virtual account opening function interface, the platform virtual account application interface calls the virtual account opening function interface of the bank to acquire a plurality of virtual account data and stores the virtual account data, and the task calling the virtual account inquiry interface of the bank is emptied;
if the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank, and then calls the virtual account inquiry interface of the bank to acquire and store a plurality of virtual account data;
after receiving a request of a merchant about opening a virtual account corresponding to the bank main account, selecting one virtual account from the virtual account data to be allocated to the merchant;
And storing the corresponding relation between the merchant and the distributed virtual account.
Referring to fig. 2, in an embodiment of the present invention, optionally, the designated service includes: opening the business of the virtual account under the main account under the commercial tenant line sent by the bank;
the platform function interface comprises: a platform virtual account application interface and a platform virtual account adding interface;
the setting interface of the platform virtual account application interface comprises the following steps: a virtual account opening function interface and a virtual account inquiring function interface;
the setting interface of the platform virtual account adding interface comprises the following steps: adding a functional interface to the virtual account;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
the platform virtual account application interface calls the tasks of the virtual account opening function interface and the virtual account inquiry interface of the bank to be realized in a blank mode;
calling a platform virtual account adding interface corresponding to the added virtual account;
the platform virtual account adding interface calls a virtual account adding function interface of the bank, and virtual account data are distributed to the merchant;
And storing the corresponding relation between the merchant and the distributed virtual account.
Referring to fig. 3, in an embodiment of the present invention, optionally, the designated service includes: inquiring the business of the appointed main account of the appointed bank or the running water information of the virtual account;
the platform function interface comprises: a platform pipeline inquiry interface;
the setting interface comprises: the method comprises the steps of regularly acquiring a running water function interface, a daily cutting processing function interface, a page running water function interface and a dynamic account notification function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the implementation of the blank of the bank function interfaces except for the part of the bank function interfaces in the set interfaces comprises the following steps:
counting and storing the obtained flow information of the virtual account by the dimension of the main account;
and inquiring and returning the flow information of the main account or the virtual account according to the flow information of the main account dimension.
Different banks have different pulling modes of the running water acquisition interface of the bank, and the two modes can be unified to close to the dimension of the main account for acquisition based on the main account mode or based on the virtual account mode, and then subsequent logic processing is performed, but conversion adaptation is required for fields.
The bank interface can be called according to the bank parameters, and the stream of the query is converted into a specified data format through field mapping. The main parameters of the query flow information are bank and time, the call of a bank function interface can be completed according to the bank parameters, and consistency of output data is completed through field mapping conversion.
Further, for banks that acquire pipelining based on virtual account mode, under the condition that the bank interface capability allows, the pipelining acquisition efficiency can be improved by means of multithreading concurrent pulling and the like.
The time periods of day cutting processing of different banks are different, and the day cutting flowing water and the normal flowing water of different banks in the day cutting time period can be pulled in parallel by unifying the day cutting processing of different banks, possibly before 0 point per day and possibly after 0 point per day.
The running water of the dynamic account notification also needs to acquire the main account information and make the fields converted and adapted so as to facilitate the process of accessing the standard flow mainly comprising the main account. The embodiment of the invention can also provide the dynamic account notification interface as a standard function interface, and can also be realized by calling banks in other flow acquisition modes such as flow pull and the like.
The main triggering mode of the running water pulling can be finished by means of timing tasks, different pulling intervals and switch settings are set according to characteristics of different banks, further, the pulling of the timing tasks can be finished by introducing a distributed lock acquisition mode to finish the assignment of the running machine, and single-point fault problems possibly occurring in the execution mode of the assignment machine can be effectively avoided.
Referring to fig. 3, in an embodiment of the present invention, optionally, before the calculating and storing the obtained flowing information of the virtual account in the main account dimension further includes:
judging whether the flow information of the virtual account accords with general check logic or not;
if the flow information of the virtual account accords with the general check logic, storing the flow information of the virtual account into a database;
and if the flow information of the virtual account does not accord with the general check logic, sending an alarm notification.
In an embodiment of the present invention, optionally, the general verification logic includes:
the primary account, the virtual account, the running amount, the running date, the lending/lending and the payer information are consistent.
Besides the interface of the bank to be accessed, the embodiment of the invention can also provide the detection activity capability of the front-end processor, the main account adding capability, the virtual account adding capability, the merchant binding capability, the automatic money-identifying capability, the manual money-identifying capability, the abnormal running water discovery capability and the like, which can be realized through the platform function interface, wherein the detection activity capability of the front-end processor needs to be adapted to different banks, and other capabilities can finish logic multiplexing among the banks under the condition of little change or even no change.
Referring to fig. 4, the embodiment of the present invention may distinguish functions by different modules, wherein the functions related to the account are: virtual account application, virtual account inquiry, virtual account addition, main account addition and the like; functions related to the flow pull mode include: timing task pulling, account moving notification pulling and flow supplementing water, namely page pulling and flowing water; the functions related to the pipeline processing include: pipeline aggregation, pipeline verification, field mapping transformation, pipeline writing, and the like.
The embodiment of the invention can also specify the bank to call the flow acquisition capacity for the specific time through the standardized interface, and complete the abnormal condition processing such as flow replenishment and the like; the tasks of adding or deleting the main account and the virtual account can be completed, so that different bank account characteristics can be better adapted; the embodiment of the invention can also perform operations such as merchant binding, manual money recognition, abnormal flow processing and the like, and provide a reverse logic interface.
When the embodiment of the invention processes the abnormal business, the program or the data can be restored to the correct state from the lower end of the business execution to the upper layer in a rollback mode, for example, when abnormal money transfer running water occurs, money transfer can be rolled back from a receiving party, the money transfer is finally rolled back to the money transfer party in a layer-by-layer upward rollback mode, the abnormal running water is eliminated, and the influence of the scene such as misoperation or abnormal dirty data on the system can be effectively avoided due to the introduction of the reverse logic.
The invention can standardize the access flow of the bank virtual account, multiplex by extracting the general logic therein, and precipitate some components such as: the concurrent, idempotent, distributed and other components are adopted, so that the processing capacity of the system and the effect of coping with abnormal conditions are better improved, and the aim of writing differentiated codes to finish the access of a new bank standard flow as few as possible is fulfilled by carrying out standardized adaptive access on different bank differentiated places, so that the definition and unity of the whole virtual account access flow can be ensured; the produced result is standardized and output, and the external difference is digested at the system inlet, so that the downstream does not need to pay attention to complex conversion mapping logic; and part of the flow is accessed into reverse logic, so that scenes needing rollback can be better dealt with.
Referring to fig. 5, the present invention further provides an access system 50 for a virtual account of a bank, including:
the interface name unifying module 51 is configured to unify all the same or similar function interfaces of different banks into the same bank function interface name according to the function classification, where the bank function interfaces are used for performing service processing;
the creation module 52 is configured to create a platform function interface and a setting interface corresponding to the platform function interface, where the platform function interface is configured to call the setting interface corresponding to the platform function interface, and the setting interface is a set including all bank function interfaces that need to be called when all banks process the same specified service, where when executing the same specified service of different banks, the platform function interface corresponding to the specified service calls the setting interface corresponding to the platform function interface in a unified manner;
The calling interface module 53 is configured to call a platform function interface corresponding to a specified service for processing the specified service after receiving an instruction about processing the specified service of a specified bank from a user;
a calling task module 54, configured to start a platform function interface corresponding to the specified service to call tasks of all setting interfaces corresponding to the platform function interface corresponding to the specified service;
and the calling task first sub-module 541 is configured to, if the bank processes the specified service only needs to set a part of the bank function interfaces in the interfaces, call the part of the bank function interfaces in the set interfaces by using the platform function interfaces corresponding to the specified service, and do an empty implementation on the bank function interfaces in the set interfaces except for the part of the bank function interfaces.
Optionally, the specified service includes: the business of the merchant about opening the virtual account under the appointed bank main account;
the platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
wherein, the calling task first sub-module 541 includes:
the virtual account opening first module is used for calling the virtual account opening function interface of the bank to acquire virtual account data by the platform virtual account application interface if the virtual account under the main account opening function interface of the bank only needs the virtual account opening function interface, and making blank for the task of calling the virtual account inquiry interface of the bank;
If the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank and then calls the virtual account inquiry interface of the bank to acquire virtual account data;
distributing the obtained virtual account data to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
Optionally, the specified service includes: a service related to opening a virtual account under a designated bank main account;
the platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
wherein, the calling task first sub-module 541 includes:
the virtual account opening second module is used for calling the virtual account opening function interface of the bank to acquire and store a plurality of virtual account data by the platform virtual account application interface if the virtual account under the main account opening function interface of the bank only needs the virtual account opening function interface, and emptying the task of calling the virtual account inquiry interface of the bank;
if the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank, and then calls the virtual account inquiry interface of the bank to acquire and store a plurality of virtual account data;
After receiving a request of a merchant about opening a virtual account corresponding to the bank main account, selecting one virtual account from the virtual account data to be allocated to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
Optionally, the specified service includes: opening the business of the virtual account under the main account under the commercial tenant line sent by the bank;
the platform function interface comprises: a platform virtual account application interface and a platform virtual account adding interface;
the setting interface of the platform virtual account application interface comprises the following steps: a virtual account opening function interface and a virtual account inquiring function interface;
the setting interface of the platform virtual account adding interface comprises the following steps: adding a functional interface to the virtual account;
wherein, the calling task first sub-module 541 includes:
the virtual account opening third module is used for making the task of the virtual account opening function interface and the virtual account inquiry interface of the bank called by the platform virtual account application interface empty;
calling a platform virtual account adding interface corresponding to the added virtual account;
the platform virtual account adding interface calls a virtual account adding function interface of the bank, and virtual account data are distributed to the merchant;
And storing the corresponding relation between the merchant and the distributed virtual account.
Alternatively to this, the method may comprise,
the specified service includes: inquiring the business of the appointed main account of the appointed bank or the running water information of the virtual account;
the platform function interface comprises: a platform pipeline inquiry interface;
the setting interface comprises: the method comprises the steps of regularly acquiring a running water function interface, a daily cutting processing function interface, a page running water function interface and a dynamic account notification function interface;
wherein, the calling task first sub-module 541 includes:
the flow inquiry first module is used for counting and storing the flow information of the obtained virtual account according to the dimension of the main account;
and inquiring and returning the flow information of the main account or the virtual account according to the flow information of the main account dimension.
Optionally, the pipelining the first module further includes:
the verification module is used for judging whether the flow information of the virtual account accords with the general verification logic;
if the flow information of the virtual account accords with the general check logic, storing the flow information of the virtual account into a database;
and if the flow information of the virtual account does not accord with the general check logic, sending an alarm notification.
Optionally, the general check logic includes:
The primary account, the virtual account, the running amount, the running date, the lending/lending and the payer information are consistent.
The access system for the bank virtual account provided by the embodiment of the invention can realize each process realized by the method embodiments of fig. 1 to 4 and achieve the same technical effects, and is not repeated here for avoiding repetition.
An embodiment of the present invention provides an electronic device 60, referring to fig. 6, and fig. 6 is a schematic block diagram of the electronic device 60 according to the embodiment of the present invention, including a processor 61, a memory 62, and a program or an instruction stored in the memory 62 and capable of running on the processor 61, where the program or the instruction is executed by the processor to implement steps in the method for accessing any bank virtual account according to the present invention.
The embodiment of the invention provides a readable storage medium, on which a program or an instruction is stored, which when executed by a processor, implements each process of the embodiment of the method for accessing a bank virtual account according to any one of the above embodiments, and can achieve the same technical effects, so that repetition is avoided, and no further description is given here.
Computer-readable media include both permanent and non-permanent, removable and non-removable media, and information storage may be implemented by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), comprising several instructions for causing a service classification device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method described in the embodiments of the present application.
The foregoing is merely a preferred embodiment of the present application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present application and are intended to be comprehended within the scope of the present application.
Claims (10)
1. The method for accessing the bank virtual account is characterized by comprising the following steps of:
uniformly setting all the same or similar function interfaces of different banks into the same bank function interface names according to the function classification, wherein the bank function interfaces are used for carrying out business processing;
creating a platform function interface and a setting interface corresponding to the platform function interface, wherein the platform function interface is used for calling the setting interface corresponding to the platform function interface, and the setting interface is a set of all bank function interfaces which need to be called when all banks process the same appointed service, wherein when the same appointed service of different banks is executed, the platform function interface corresponding to the appointed service uniformly calls the setting interface corresponding to the platform function interface;
after receiving an instruction of a user about processing a specified service of a specified bank, calling a platform function interface corresponding to the specified service;
Starting the platform function interface corresponding to the appointed service to call the tasks of all the set interfaces corresponding to the platform function interface corresponding to the appointed service;
if the bank processes the appointed business, only setting part of bank function interfaces in the interfaces, calling the part of bank function interfaces in the interfaces by the platform function interfaces corresponding to the appointed business, and implementing the blank of the bank function interfaces except the part of bank function interfaces in the interfaces.
2. The method of claim 1, wherein the step of determining the position of the substrate comprises,
the specified service includes: the business of the merchant about opening the virtual account under the appointed bank main account;
the platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
If the virtual account under the bank opening main account only needs a virtual account opening function interface, the platform virtual account application interface calls the virtual account opening function interface of the bank to acquire virtual account data, and the task of calling the virtual account inquiry interface of the bank is emptied;
if the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank and then calls the virtual account inquiry interface of the bank to acquire virtual account data;
distributing the obtained virtual account data to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
3. The method of claim 1, wherein the step of determining the position of the substrate comprises,
the specified service includes: a service related to opening a virtual account under a designated bank main account;
the platform function interface comprises: applying for an interface by the virtual account of the platform;
the setting interface comprises: a virtual account opening function interface and a virtual account inquiring function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
If the virtual account under the main account is opened by the bank only needs a virtual account opening function interface, the platform virtual account application interface calls the virtual account opening function interface of the bank to acquire a plurality of virtual account data and stores the virtual account data, and the task calling the virtual account inquiry interface of the bank is emptied;
if the virtual account under the main account is opened by the bank and needs a virtual account opening function interface and a virtual account inquiry function interface, the platform virtual account application interface firstly calls the virtual account opening function interface of the bank, and then calls the virtual account inquiry interface of the bank to acquire and store a plurality of virtual account data;
after receiving a request of a merchant about opening a virtual account corresponding to the bank main account, selecting one virtual account from the virtual account data to be allocated to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
4. The method of claim 1, wherein the step of determining the position of the substrate comprises,
the specified service includes: opening the business of the virtual account under the main account under the commercial tenant line sent by the bank;
the platform function interface comprises: a platform virtual account application interface and a platform virtual account adding interface;
The setting interface of the platform virtual account application interface comprises the following steps: a virtual account opening function interface and a virtual account inquiring function interface;
the setting interface of the platform virtual account adding interface comprises the following steps: adding a functional interface to the virtual account;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the bank function interfaces except the part of the bank function interfaces in the set interfaces are emptied, including:
the platform virtual account application interface calls the tasks of the virtual account opening function interface and the virtual account inquiry interface of the bank to be realized in a blank mode;
calling a platform virtual account adding interface corresponding to the added virtual account;
the platform virtual account adding interface calls a virtual account adding function interface of the bank, and virtual account data are distributed to the merchant;
and storing the corresponding relation between the merchant and the distributed virtual account.
5. The method of claim 1, wherein the step of determining the position of the substrate comprises,
the specified service includes: inquiring the business of the appointed main account of the appointed bank or the running water information of the virtual account;
The platform function interface comprises: a platform pipeline inquiry interface;
the setting interface comprises: the method comprises the steps of regularly acquiring a running water function interface, a daily cutting processing function interface, a page running water function interface and a dynamic account notification function interface;
if the bank processes the specified service only needs to set part of the bank function interfaces in the interfaces, the platform function interface corresponding to the specified service calls part of the bank function interfaces in the set interfaces, and the implementation of the blank of the bank function interfaces except for the part of the bank function interfaces in the set interfaces comprises the following steps:
counting and storing the obtained flow information of the virtual account by the dimension of the main account;
and inquiring and returning the flow information of the main account or the virtual account according to the flow information of the main account dimension.
6. The method of claim 5, wherein the step of counting and storing the obtained flowing information of the virtual account in the main account dimension further comprises:
judging whether the flow information of the virtual account accords with general check logic or not;
if the flow information of the virtual account accords with the general check logic, storing the flow information of the virtual account into a database;
And if the flow information of the virtual account does not accord with the general check logic, sending an alarm notification.
7. The method of claim 6, wherein the general purpose verification logic comprises:
the primary account, the virtual account, the running amount, the running date, the lending/lending and the payer information are consistent.
8. An access system for a virtual account of a bank, comprising:
the interface name unifying module is used for unifying all the same or similar function interfaces of different banks into the same bank function interface name according to the function classification, and the bank function interfaces are used for carrying out service processing;
the system comprises a creation module, a platform function interface and a setting module, wherein the creation module is used for creating the platform function interface and a setting interface corresponding to the platform function interface, the platform function interface is used for calling the setting interface corresponding to the platform function interface, the setting interface is a set of all bank function interfaces which need to be called when all banks process the same appointed service, and the platform function interface corresponding to the appointed service uniformly calls the setting interface corresponding to the platform function interface when different banks execute the same appointed service;
the interface calling module is used for calling and processing a platform function interface corresponding to the appointed business after receiving an instruction of a user about processing the appointed business of the appointed bank;
The task calling module is used for starting the platform function interface corresponding to the appointed service to call the tasks of all the set interfaces corresponding to the platform function interface corresponding to the appointed service;
and the calling task first sub-module is used for calling part of the bank function interfaces in the setting interfaces by the platform function interfaces corresponding to the appointed service if the bank processes the appointed service and only needs to set part of the bank function interfaces in the interfaces, and performing idle realization on the bank function interfaces except the part of the bank function interfaces in the setting interfaces.
9. An electronic device, comprising: a processor, a memory and a program stored on the memory and executable on the processor, which when executed by the processor, implements the steps of the method of accessing a bank virtual account as claimed in any one of claims 1 to 7.
10. A computer readable storage medium, characterized in that a computer program is stored on the computer readable storage medium, which computer program, when being executed by a processor, implements the steps of the method of accessing a bank virtual account according to any of claims 1 to 7.
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Application publication date: 20230523 |