CN116757687A - Data processing method, device, equipment and storage medium - Google Patents
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Abstract
The application provides a data processing method, a device, equipment and a storage medium, which can be used in the field of cloud computing. When a settlement request initiated by a platform user is received, determining a target object in an object in a first account corresponding to the platform user, transferring the target object into a second account corresponding to a target merchant user, transferring the target object in the second account into a third account through a set circulation channel, and enabling the platform user to perform settlement with the target merchant user based on the third account, wherein the object in the first account is transferred in response to a consumption request initiated by the platform user, the object in the first account is set to be inoperable by the platform user, the target merchant user is a merchant user associated with the consumption request, the second account is a transition account of the target merchant user, the second account is invisible to the merchant user, and the object in the third account is set to be operable by the platform user. The application can realize compliance of transaction settlement based on platform users.
Description
Technical Field
The present application relates to the field of cloud computing, and in particular, to a data processing method, apparatus, device, and storage medium.
Background
With the continuous development of internet of things and financial technologies, a large number of internet enterprises, i.e., platform enterprises, are emerging, which provide platform services for B-end users and C-end users, such as enterprises that match between C-end users and B-end users, between C-end users and C-end users, and between B-end users and B-end users to conduct a certain business. Wherein business activities involve transactions, and platform enterprises have long presented business and technical difficulties in terms of transaction settlement, with compliance risks.
Accordingly, there is a need to provide a data processing scheme that is compliant for use in transaction settlement.
Disclosure of Invention
The application provides a data processing method, a device, equipment and a storage medium, which are used for solving the problem that a platform enterprise has a compliance risk in the aspect of transaction settlement.
In a first aspect, the present application provides a data processing method, including: in response to receiving a settlement request initiated by a platform user, determining a target object in an object in a first account corresponding to the platform user, wherein the object in the first account is transferred in response to a consumption request initiated by the platform user, and the object in the first account is set to be inoperable by the platform user; transferring the target object into a second account corresponding to a target merchant user, wherein the target merchant user is a merchant user associated with the consumption request, the second account is a transition account of the target merchant user, and the second account is invisible to the merchant user; and transferring the target object in the second account to a third account through setting a circulation channel, so that the platform user settles with the target merchant user based on the third account, wherein the object in the third account is set to be operable by the platform user.
In a possible implementation manner, the settlement request carries a consumption request identifier, and the determining of the target object in the first account corresponding to the platform user includes: determining an object matched with the consumption request identifier as a candidate object in the objects in the first account corresponding to the platform user; a target object is determined from the candidate objects.
In a possible implementation manner, determining a target object according to the candidate object includes: determining a target object as a candidate object; and/or checking the candidate object, and determining the target object as the checked candidate object.
In one possible implementation manner, transferring the target object in the second account to the third account through the set circulation channel includes: determining a target circulation channel in a plurality of setting circulation channels; and transferring the target object in the second account to a third account through the target circulation channel.
In one possible embodiment, determining a target circulation channel from a plurality of setting circulation channels includes: and determining a target circulation channel in the plurality of setting circulation channels based on a setting routing rule, wherein the setting routing rule is set based on route stability and/or route consumption.
In one possible implementation manner, the number of the target merchant users is a plurality, and the target object is transferred to a second account corresponding to the target merchant users, including: and aiming at each target merchant user in the target merchant users, determining an associated object of the target merchant user in the target object, and transferring the associated object to a second account corresponding to the target merchant user.
In a possible implementation manner, the initiation condition of the settlement request includes: and periodically initiating according to a preset period and/or initiating in response to the interactive operation of the platform user.
In a second aspect, the present application provides a data processing apparatus comprising:
the system comprises a determining module, a first account and a second account, wherein the determining module is used for determining a target object in an object in a first account corresponding to a platform user when receiving a settlement request initiated by the platform user, the object in the first account is transferred in response to a consumption request initiated by the platform user, and the object in the first account is set to be inoperable by the platform user;
the first transfer module is used for transferring the target object into a second account corresponding to a target merchant user, wherein the target merchant user is a merchant user associated with the consumption request, the second account is a transition account of the target merchant user, and the second account is invisible to the merchant user;
and the second transfer-in module is used for transferring the target object in the second account to a third account through setting a transfer channel, so that the platform user can settle accounts with the target merchant user based on the third account, and the object in the third account is set to be operable by the platform user.
In a possible implementation manner, the settlement request carries the consumption request identifier, and the determining module may be specifically configured to: determining an object matched with the consumption request identifier as a candidate object in the objects in the first account corresponding to the platform user; a target object is determined from the candidate objects.
In a possible implementation, the determining module may be further configured to: determining a target object as a candidate object; and/or checking the candidate object, and determining the target object as the checked candidate object.
In one possible embodiment, the second transfer-in module may be specifically configured to: determining a target circulation channel in a plurality of setting circulation channels; and transferring the target object in the second account to a third account through the target circulation channel.
In a possible embodiment, the second transfer-in module may also be configured to: and determining a target circulation channel in the plurality of setting circulation channels based on a setting routing rule, wherein the setting routing rule is set based on route stability and/or route consumption.
In one possible implementation, when the number of the target merchant users is plural, the first forwarding module may be specifically configured to: and aiming at each target merchant user in the target merchant users, determining an associated object of the target merchant user in the target object, and transferring the associated object to a second account corresponding to the target merchant user.
In a possible implementation manner, the initiation condition of the settlement request includes: and periodically initiating according to a preset period and/or initiating in response to the interactive operation of the platform user.
In a third aspect, the present application provides an electronic device comprising: at least one processor; and a memory coupled to the at least one processor; wherein the memory is configured to store at least one processor-executable instruction for execution by the at least one processor to enable the at least one processor to perform the data processing method provided in the first aspect.
In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions which, when executed, are adapted to carry out the data processing method provided in the first aspect.
In a fifth aspect, the present application provides a program product comprising computer-executable instructions. When executed by a computer, to implement the data processing method provided in the first aspect.
According to the data processing method, the device, the equipment and the storage medium, the target object is determined in the object in the first account corresponding to the platform user in response to the settlement request initiated by the platform user, the target object is transferred to the second account corresponding to the target merchant user, the target object in the second account is further transferred to the third account through the set circulation channel, the platform user performs settlement with the target merchant user based on the third account, wherein the object in the first account is transferred in response to the consumption request initiated by the platform user, the object in the first account is set to be inoperable by the platform user, the target merchant user is the merchant user associated with the consumption request, the second account is a transition account of the target merchant user, the second account is invisible to the merchant user, and the object in the third account is set to be operable by the platform user. According to the application, the first account and the second account are set, and the object in the first account is set as inoperable by the platform user, so that the operation authority of the platform user to the target object is limited, the compliance risk of the platform user is avoided, the settlement transaction is further completed based on the consumption transaction, and the compliance of the transaction settlement is ensured.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
Fig. 1 is a schematic diagram of an application scenario provided in an embodiment of the present application;
FIG. 2 is a flow chart of a data processing method according to an embodiment of the present application;
FIG. 3 is a flow chart of a data processing method according to another embodiment of the present application;
FIG. 4 is a schematic diagram of a data processing system according to an embodiment of the present application;
FIG. 5 is a schematic diagram of a data processing apparatus according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the application.
Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.
It should be noted that the data processing method and apparatus provided by the present application may be used in the cloud computing field, and may also be used in any field other than the cloud computing field, and the application field of the data processing method and apparatus provided by the present application is not limited.
Based on the problems in the related art, the application starts from the perspective and advantages of a bank, sets the first account and the second account in the bank account system, determines the target object in the first account corresponding to the platform user when receiving the settlement request initiated by the platform user, further transfers the target object to the second account corresponding to the target merchant user, transfers the target object in the second account to the third account by setting the circulation channel, so that the platform user performs settlement with the target merchant user based on the third account, and ensures that the merchant to be settled in the platform user is correctly, timely and in-compliance settled to the bank account of the target merchant user.
The application provides a data processing method, which aims to solve the technical problems in the prior art.
The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
For easy understanding, an application scenario of the embodiment of the present application will be described first.
Fig. 1 is a schematic diagram of an application scenario provided in an embodiment of the present application. As shown in fig. 1, the application scenario of the present application includes a bank account system 11 and a platform user settlement system 12. The bank account system 11 comprises a first account 13 and a second account 14, the platform user settlement system 12 comprises a third account 15 and a target merchant user 16, and settlement transactions are carried out between the bank account system 11 and the platform user settlement system 12 through an external circulation channel docking unit 17. Illustratively, the first account 13 may be a platform enterprise transient account, the second account 14 may be a merchant transient account to be settled, and the third account 15 may be a central bank accounting data set system (Accounting Data Centralized System, ACS for short) of the platform user for preparing a funding account. It should be noted that, the first account 13 and the second account 14 may be virtual accounts in the bank account system 11.
Specifically, after receiving the settlement request sent by the platform user, determining the target object in the first account 13 corresponding to the platform user, transferring the target object into the second account 14 corresponding to the target merchant user, and transferring the target object in the second account 14 into the third account 15 through the external circulation channel docking unit 17, so that the platform user performs settlement with the target merchant user 16 based on the third account. The number of target merchant users 16 may be plural, and the second account 14 corresponding to the target merchant user may also include plural. For example, the target object may pay account funds in an account for a consumer based on a consumer transaction.
It should be noted that, the third account 15 may also perform a settlement transaction through the circulation channel 18 inside the platform user settlement system 12. By way of example, the circulation channel may be a silver link, a network link, a second generation of people, etc.
It can be understood that the execution body of the data processing method provided by the embodiment of the application can be a terminal device or a server. By way of example, the terminal device may be a desktop computer, a portable computer, a notebook computer, a tablet computer, a smart phone, and the like.
Based on the above application scenario, the data processing method provided by the embodiment of the present application is described in detail below with reference to specific embodiments.
Fig. 2 is a flowchart of a data processing method according to an embodiment of the present application. As shown in fig. 2, the data processing method includes the steps of:
s201, in response to receiving a settlement request initiated by a platform user, determining a target object in an object in a first account corresponding to the platform user, wherein the object in the first account is transferred in response to a consumption request initiated by the platform user, and the object in the first account is set to be inoperable by the platform user.
Platform users may also be referred to as platform enterprises, meaning enterprises that conduct some kind of business between C-side and B-side clients, between C-side and C-side clients, and between B-side and B-side clients. Illustratively, the platform user may be a beauty team, a naughty, a jindong, and the like.
Optionally, the settlement request may be initiated periodically according to a preset period, or may be initiated in response to an interaction of the platform user. The preset period may be, for example, one day, one week, or the like. The data processing method provided by the embodiment of the application does not limit the initiating condition of the calculation request.
Illustratively, the first account may be a transient account for a platform enterprise set up within the banking system. It should be noted that the first account may be a virtual account.
For example, the object in the first account may be account funds. Specifically, account funds transferred in response to a consumption request initiated by a user of the platform may be used. It will be appreciated that a plurality of consumer transactions may be included in a single settlement request.
Optionally, an object corresponding to the consumption request matched with the settlement request is determined as a target object from the objects in the first account.
Alternatively, the consumption transaction corresponding to the consumption request initiated by the platform user may be a bank-based account of the second class. Specifically, the second-class account of the opened bank can be registered for the user on the platform user. It will be apparent to those skilled in the art that the two-class account may be funded for conversion with one-class accounts of other banks.
Optionally, the object in the first account is set to be inoperable by the platform user. For example, the platform user may not be able to conduct other types of fund transfers on the objects in the first account than the consumer transaction corresponding to the consumer request.
S202, transferring the target object into a second account corresponding to a target merchant user, wherein the target merchant user is a merchant user associated with the consumption request, the second account is a transitional account of the target merchant user, and the second account is invisible to the merchant user.
The second account may be, for example, a merchant to-be-settled transitional account set up inside the bank system. It should be noted that the second account may be a virtual account.
It will be appreciated that the target merchant user is the merchant user associated with the consumption request that matches the settlement request.
The number of target merchant users may be multiple, and in the data processing method provided by the embodiment of the application, the number of target merchant users is not limited.
Optionally, for each target merchant user in the plurality of target merchant users, determining an associated object of the target merchant user in the target object, and transferring the associated object to a second account corresponding to the target merchant user.
S203, transferring the target object in the second account to a third account through setting a circulation channel, so that the platform user settles with the target merchant user based on the third account, wherein the object in the third account is set to be operable by the platform user.
The circulation channel can be a silver link, a network link, a second generation channel of a pedestrian, and the like.
Optionally, based on an external circulation channel docking unit arranged inside the bank account system, transferring the target object in the second account to the third account through setting the circulation channel, so as to realize that the internal fund settlement of the bank account system is communicated with the traditional fund settlement flow of the platform user.
Illustratively, the third account may be a funding account for ACS of the platform user.
Optionally, the platform user settles the target object to the target merchant user through a third account.
Optionally, when the platform user performs settlement with the target merchant user based on the third account, in one possible implementation manner, the platform user performs settlement with the target merchant user through different circulation channels based on the third account, that is, the corresponding settlement money is settled to the target merchant user under the platform for multiple times according to different circulation channels; in another possible implementation manner, the platform user settles the settlement money corresponding to different circulation channels to the target merchant user under the platform once based on the third account, and the settlement transaction carries the transaction detail corresponding relation between each settlement transaction and the consumption transaction, so that the relevance between the settlement transaction and the consumption transaction is realized, and the settlement experience of the merchant is improved.
Those skilled in the art will appreciate that the platform user may initiate an internal settlement request on his own initiative or based on a consumer transaction for calculating the share of funds in the target object that is allocated to the platform user itself before the platform user settles the target object to the target merchant user via the third account.
According to the embodiment of the application, when the settlement request initiated by the platform user is received, the target object is determined in the object in the first account corresponding to the platform user, the target object is transferred to the second account corresponding to the target merchant user, the target object in the second account is further transferred to the third account through the set transfer channel, so that the platform user performs settlement with the target merchant user based on the third account, wherein the object in the first account is transferred in response to the consumption request initiated by the platform user, the object in the first account is set to be inoperable by the platform user, the target merchant user is the merchant user associated with the consumption request, the second account is the transition account of the target merchant user, the second account is invisible to the merchant user, and the object in the third account is set to be operable by the platform user. According to the application, the first account and the second account are set, and the object in the first account is set as inoperable by the platform user, so that the operation authority of the platform user to the target object is limited, the compliance risk of the platform user is avoided, the settlement transaction is further completed based on the consumption transaction, and the compliance of the settlement transaction is ensured.
On the basis of the foregoing embodiment, optionally, the step S203 of transferring the target object in the second account to the third account through the set circulation channel may include the following steps: determining a target circulation channel in a plurality of setting circulation channels; and transferring the target object in the second account to a third account through the target circulation channel.
In a possible implementation manner, the determining manner of the target circulation channel may be: and determining a target circulation channel in the plurality of setting circulation channels based on a setting routing rule, wherein the setting routing rule is set based on route stability and/or route consumption. Illustratively, the route consumption may be a commission fee of a circulation channel corresponding to the route, and the like.
In another possible implementation manner, the target circulation channel may be a preset circulation channel. The preset circulation channel may be a network connection, for example.
Optionally, in the data processing method provided by the embodiment of the present application, the settlement request carries a consumption request identifier. In step S201, a specific implementation manner of determining the target object in the objects in the first account corresponding to the platform user is described in detail below with reference to fig. 3.
Fig. 3 is a flowchart of a data processing method according to another embodiment of the present application. As shown in fig. 3, determining the target object in the first account corresponding to the platform user may further include the following steps:
s301, determining an object matched with the consumption request identification as a candidate object in the objects in the first account corresponding to the platform user.
For example, the consumption request identification may be a settlement transaction number corresponding to the consumption request.
It will be appreciated that when a platform user initiates a consumer request, the consumer request will carry a consumer transaction identifier. Illustratively, the consumer transaction identification may be a consumer transaction number.
Optionally, among the objects in the first account corresponding to the platform user, the object with the same settlement transaction number and consumption transaction number is determined as the candidate object.
It should be noted that, the method for processing data provided by the embodiment of the present application does not limit the determination manner of the candidate object.
S302, determining a target object according to the candidate object.
In one possible implementation, the target object is determined to be a candidate object.
In another possible implementation manner, the candidate object is checked, and the target object is determined to be the candidate object passing the check. Illustratively, the consumption request identification may also include a settlement transaction period. It will be appreciated that when a platform user initiates a consumption request, the consumption request will carry the point in time of the consumption transaction. Specifically, whether the corresponding consumption transaction time point in the candidate object is in the settlement transaction time period is determined, if yes, the candidate object passes the verification, and the target object is the candidate object passing the verification.
According to the embodiment of the application, the object matched with the consumption request identification is determined to be the candidate object in the first account corresponding to the platform user, and the target object is determined according to the candidate object, so that the accuracy of the target object is ensured, and further, the accuracy of settlement is ensured and the experience of the target merchant is improved when the platform user settles with the target merchant based on the third account.
A data processing system corresponding to the data processing method according to an embodiment of the present application will be described in detail with reference to fig. 4.
FIG. 4 is a schematic diagram of a data processing system according to an embodiment of the present application. As shown in fig. 4, the data processing system 40 includes: an open platform unit 410, a consumer transaction unit 420, a settlement unit 430, and an external circulation channel docking unit 440.
Wherein the open platform unit 410: for providing account product capability access, consumer transaction access, and funds settlement access to platform users. By way of example, the account product capability may be a first account and a second account set up for a bank account internal hierarchy.
A consumer transaction unit 420: the method comprises the steps of receiving a consumption transaction initiated by a platform user, transferring an object transferred in response to the consumption request initiated by the platform user into a first account, and setting the object in the first account as inoperable by the platform user, namely limiting the account-moving transaction type of the first account.
Settlement unit 430: the settlement unit 430 is used for receiving a settlement request based on the consumption transaction initiated by the platform user, matching and checking the consumption transaction in the consumption transaction unit 420, and transferring the target object in the first account to a second account corresponding to the target merchant user after the verification is passed.
External flow channel docking unit 440: and the third account is transferred to the target object in the second account through the set circulation channel by receiving the settlement request of the settlement unit 430.
The data processing system provided by the embodiment of the present application may be used to execute the method steps provided by the above method embodiment, and its implementation principle and technical effects are similar, and are not described herein again.
The following are examples of the apparatus of the present application that may be used to perform the method embodiments of the present application. For details not disclosed in the embodiments of the apparatus of the present application, please refer to the embodiments of the method of the present application.
Fig. 5 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application. As shown in fig. 5, the data processing apparatus 50 includes: a determination module 510, a first transfer-in module 520, and a second transfer-in module 530.
The determining module 510 is configured to determine, when a settlement request initiated by a platform user is received, a target object from objects in a first account corresponding to the platform user, where the objects in the first account are transferred in response to a consumption request initiated by the platform user, and the objects in the first account are set to be inoperable by the platform user;
the first transferring module 520 is configured to transfer the target object into a second account corresponding to a target merchant user, where the target merchant user is a merchant user associated with the consumption request, the second account is a transition account of the target merchant user, and the second account is invisible to the merchant user;
and a second transfer module 530, configured to transfer the target object in the second account to a third account through a set circulation channel, so that the platform user performs settlement with the target merchant user based on the third account, where the object in the third account is set to be operable by the platform user.
In a possible implementation manner, the settlement request carries a consumption request identifier, and the determining module 510 is specifically configured to: determining an object matched with the consumption request identifier as a candidate object in the objects in the first account corresponding to the platform user; a target object is determined from the candidate objects.
In a possible implementation, the determining module 510 may be further configured to: determining a target object as a candidate object; and/or checking the candidate object, and determining the target object as the checked candidate object.
In one possible implementation, the second transfer-in module 530 may also be configured to: determining a target circulation channel in a plurality of setting circulation channels; and transferring the target object in the second account to a third account through the target circulation channel.
In one possible implementation, the second transfer-in module 530 may also be configured to: and determining a target circulation channel in the plurality of setting circulation channels based on a setting routing rule, wherein the setting routing rule is set based on route stability and/or route consumption.
In one possible implementation, the number of target merchant users is plural, and the first forwarding module 520 is specifically configured to: and aiming at each target merchant user in the target merchant users, determining an associated object of the target merchant user in the target object, and transferring the associated object to a second account corresponding to the target merchant user.
In a possible implementation manner, the initiation condition of the settlement request includes: and periodically initiating according to a preset period and/or initiating in response to the interactive operation of the platform user.
The device provided by the embodiment of the application can be used for executing the method steps provided by the embodiment of the method, and the implementation principle and the technical effect are similar, and are not repeated here.
It should be noted that, it should be understood that the division of the modules of the above apparatus is merely a division of a logic function, and may be fully or partially integrated into a physical entity or may be physically separated. And these modules may all be implemented in software in the form of calls by the processing element; or can be realized in hardware; the method can also be realized in a form of calling software by a processing element, and the method can be realized in a form of hardware by a part of modules. For example, the processing module may be a processing element that is set up separately, may be implemented in a chip of the above-mentioned apparatus, or may be stored in a memory of the above-mentioned apparatus in the form of program codes, and the functions of the above-mentioned processing module may be called and executed by a processing element of the above-mentioned apparatus. The implementation of the other modules is similar. In addition, all or part of the modules can be integrated together or can be independently implemented. The processing element here may be an integrated circuit with signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in a software form.
For example, the modules above may be one or more integrated circuits configured to implement the methods above, such as: one or more application specific integrated circuits (Application Specific Integrated Circuit, abbreviated as ASIC), or one or more microprocessors (Digital Signal Processor, abbreviated as DSP), or one or more field programmable gate arrays (Field Programmable Gate Array, abbreviated as FPGA), or the like. For another example, when a module above is implemented in the form of a processing element scheduler code, the processing element may be a general-purpose processor, such as a central processing unit (Central Processing Unit, CPU) or other processor that may invoke the program code. For another example, the modules may be integrated together and implemented in the form of a System-On-a-Chip (SOC).
In the above embodiments, it may be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer instructions are loaded and executed on a computer, the processes or functions in accordance with embodiments of the present application are produced in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, or other programmable apparatus. The computer instructions may be stored in or transmitted from one computer-readable storage medium to another, for example, by wired (e.g., coaxial cable, fiber optic, digital subscriber line (Digital Subscriber Line, simply DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means from one website, computer, server, or data center. Computer readable storage media can be any available media that can be accessed by a computer or data storage devices, such as servers, data centers, etc., that contain an integration of one or more available media. Usable media may be magnetic media (e.g., floppy disks, hard disks, magnetic tapes), optical media (e.g., digital versatile discs (Digital Video Disc, abbreviated to DVD)), or semiconductor media (e.g., solid State Disk (SSD)), etc.
Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the application. As shown in fig. 6, the electronic device 60 includes: at least one processor 610, memory 620, communication interface 630, and system bus 640. The memory 620 and the communication interface 630 are connected to the processor 610 through the system bus 640 and complete communication therebetween, the memory 620 is used for storing instructions, the communication interface 630 is used for communicating with other devices, and the processor 610 is used for calling the instructions in the memory to execute the method steps provided in the method embodiments, and the specific implementation manner and technical effects are similar and are not repeated here.
The system bus 640 referred to in fig. 6 may be a peripheral component interconnect standard (Peripheral Component Interconnect, PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, EISA) bus, among others. The system bus 640 may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, the figures are shown with only one bold line, but not with only one bus or one type of bus.
The communication interface 630 is used to enable communication between the database access apparatus and other devices (e.g., clients, read-write libraries, and read-only libraries).
The memory 620 may include a random access memory (Random Access Memory, abbreviated as RAM) and may further include a non-volatile memory (non-volatile memory), such as at least one magnetic disk memory.
The processor 610 may be a general-purpose processor, including a central processing unit, a network processor (Network Processor, NP) and the like; digital signal processors (Digital Signal Processor, DSP for short), application specific integrated circuits (Application Specific Integrated Circuit, ASIC for short), field programmable gate arrays (Field Programmable Gate Array, FPGA for short) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components.
The embodiment of the application also provides a computer readable storage medium, in which computer executable instructions are stored, and the computer executable instructions are used for implementing the method steps in the method embodiment when being executed by a processor, and the specific implementation manner and technical effect are similar, and are not repeated here.
Embodiments of the present application also provide a program product containing computer-executable instructions. When the computer-executed instructions are executed to implement the method steps in the method embodiments described above, the specific implementation manner and technical effects are similar, and will not be described herein again.
Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
It is to be understood that the application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.
Claims (10)
1. A method of data processing, comprising:
in response to receiving a settlement request initiated by a platform user, determining a target object in an object in a first account corresponding to the platform user, wherein the object in the first account is transferred in response to a consumption request initiated by the platform user, and the object in the first account is set to be inoperable by the platform user;
transferring the target object into a second account corresponding to a target merchant user, wherein the target merchant user is a merchant user associated with the consumption request, the second account is a transition account of the target merchant user, and the second account is invisible to the merchant user;
and transferring the target object in the second account to a third account through a set circulation channel, so that the platform user settles with the target merchant user based on the third account, wherein the object in the third account is set to be operable by the platform user.
2. The data processing method according to claim 1, wherein the settlement request carries a consumption request identifier, and the determining the target object in the first account corresponding to the platform user includes:
determining an object matched with the consumption request identifier as a candidate object in the objects in the first account corresponding to the platform user;
and determining the target object according to the candidate object.
3. The data processing method according to claim 2, wherein the determining the target object from the candidate object includes:
determining the target object as the candidate object;
and/or checking the candidate object, and determining that the target object is the candidate object passing the checking.
4. A data processing method according to any one of claims 1 to 3, wherein transferring the target object in the second account to a third account by setting a circulation channel includes:
determining a target circulation channel in a plurality of setting circulation channels;
and transferring the target object in the second account into the third account through the target circulation channel.
5. The method according to claim 4, wherein determining a target circulation channel among a plurality of setting circulation channels comprises:
the target flow channel is determined among the plurality of set flow channels based on a set routing rule, wherein the set routing rule is set based on routing stability and/or routing consumption.
6. A data processing method according to any one of claims 1 to 3, wherein the number of the target merchant users is plural, and the transferring the target object to the second account corresponding to the target merchant user includes:
for each target merchant user in a plurality of target merchant users, determining an associated object of the target merchant user in the target object, and transferring the associated object to a second account corresponding to the target merchant user.
7. A data processing method according to any one of claims 1 to 3, wherein the conditions for initiating the settlement request include: and periodically initiating according to a preset period and/or initiating in response to the interactive operation of the platform user.
8. A data processing apparatus, comprising:
the system comprises a determining module, a first account and a second account, wherein the determining module is used for determining a target object in an object in a first account corresponding to a platform user when receiving a settlement request initiated by the platform user, the object in the first account is transferred in response to a consumption request initiated by the platform user, and the object in the first account is set to be inoperable by the platform user;
the first transferring module is used for transferring the target object into a second account corresponding to a target merchant user, wherein the target merchant user is a merchant user associated with the consumption request, the second account is a transition account of the target merchant user, and the second account is invisible to the merchant user;
and the second transfer-in module is used for transferring the target object in the second account to a third account through a set transfer channel, so that the platform user can settle accounts with the target merchant user based on the third account, and the object in the third account is set to be operable by the platform user.
9. An electronic device, comprising:
at least one processor;
and a memory communicatively coupled to the at least one processor;
wherein the memory is for storing instructions executable by the at least one processor to enable the at least one processor to perform the data processing method of any one of claims 1 to 7.
10. A computer-readable storage medium, in which computer-executable instructions are stored, which when executed are adapted to implement the data processing method according to any one of claims 1 to 7.
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| CN202310771871.2A CN116757687A (en) | 2023-06-27 | 2023-06-27 | Data processing method, device, equipment and storage medium |
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| CN202310771871.2A CN116757687A (en) | 2023-06-27 | 2023-06-27 | Data processing method, device, equipment and storage medium |
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| CN116757687A true CN116757687A (en) | 2023-09-15 |
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| CN202310771871.2A Pending CN116757687A (en) | 2023-06-27 | 2023-06-27 | Data processing method, device, equipment and storage medium |
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