WO2019100604A1 - Procédé et appareil d'interrogation de compte, dispositif, et support de stockage lisible par ordinateur - Google Patents

Procédé et appareil d'interrogation de compte, dispositif, et support de stockage lisible par ordinateur Download PDF

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Publication number
WO2019100604A1
WO2019100604A1 PCT/CN2018/076073 CN2018076073W WO2019100604A1 WO 2019100604 A1 WO2019100604 A1 WO 2019100604A1 CN 2018076073 W CN2018076073 W CN 2018076073W WO 2019100604 A1 WO2019100604 A1 WO 2019100604A1
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WO
WIPO (PCT)
Prior art keywords
account
unified
client
query
channel
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PCT/CN2018/076073
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English (en)
Chinese (zh)
Inventor
周栋
李忠臻
Original Assignee
平安科技（深圳）有限公司
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Publication of WO2019100604A1 publication Critical patent/WO2019100604A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
    • H04L51/046—Interoperability with other network applications or services

Definitions

  • the present application relates to the field of data processing, and in particular, to an account query method, apparatus, device, and computer readable storage medium.
  • instant messaging applications such as WeChat, QQ, etc.
  • WeChat a large user base.
  • many companies rely on WeChat applications to promote health insurance products, so that users can enter the insurance mall through small programs, public numbers and other channels to purchase insurance products.
  • the main purpose of the present application is to provide an account query method, device, device and computer readable storage medium, which are intended to solve the technical problem that the user account information in multiple channels is not synchronized and the query is inconvenient.
  • the present application provides an account query method, and the account query method includes the following steps:
  • the present application further provides an account inquiry apparatus, where the account inquiry apparatus includes:
  • An account establishing module configured to acquire, according to the account registration request sent by the account-making client based on the first channel of the social application, the joint identifier UnionID unique to the account-making client in the social application, and according to the UnionID Establishing a unified account of the account creation client in the social application;
  • An information recording module configured to record corresponding account information in the unified account based on an account operation of the accounting client in the first channel
  • An information querying module configured to query, according to the UnionID included in the account query request, a corresponding unified account when receiving the account query request sent by the auditing client based on the second channel of the social application, and the unified account is The account information is returned to the auditing client.
  • the present application further provides an account inquiry device, which includes a processor, a memory, and an account inquiry program stored on the memory and executable by the processor, where When the account query program is executed by the processor, the following steps are implemented:
  • the present application further provides a computer readable storage medium having an account query program stored thereon, wherein when the account query program is executed by the processor, the following steps are implemented. :
  • the application When the application receives the account registration request sent by the account-making client based on the first channel of the social application, the application obtains the joint identifier UnionID unique to the account-making client in the social application, and establishes the identifier according to the UnionID. Establishing a unified account of the client in the social application; recording corresponding account information in the unified account based on the account operation of the account-making client in the first channel; and receiving the auditing client based on the When the social application sends the account query request sent by the second channel, the corresponding unified account is queried according to the UnionID included in the account query request, and the account information in the unified account is returned to the auditing client.
  • the present application proposes to obtain a unique identifier of the user in the social application when the product is promoted based on the social application, and establish a unified account by using the unique id as the primary key of the user to uniformly record the account information of the user, thereby
  • the user data of the platform is intercommunicated, which facilitates the user to query the account information, improves the user experience, and facilitates the unified management of the user data by the staff.
  • FIG. 1 is a schematic structural diagram of hardware of an account querying device involved in an embodiment of the present application
  • FIG. 2 is a schematic flowchart of a first embodiment of an account query method according to the present application
  • FIG. 3 is a schematic flowchart of a second embodiment of an account query method according to the present application.
  • FIG. 4 is a schematic flowchart of a third embodiment of an account query method according to the present application.
  • FIG. 5 is a schematic diagram of functional modules of the first embodiment of the account inquiry apparatus of the present application.
  • the account inquiry method related to the embodiment of the present application is mainly applied to an account inquiry device.
  • FIG. 1 is a schematic structural diagram of hardware of an account querying device involved in an embodiment of the present application.
  • the account querying device may include a processor 1001 (for example, a CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005.
  • the communication bus 1002 is configured to implement connection communication between the components;
  • the user interface 1003 may include a display, an input unit such as a keyboard;
  • the network interface 1004 may optionally include a standard wired interface and a wireless interface. (such as WI-FI interface);
  • memory 1005 can be high-speed RAM memory or stable memory (non-volatile Alternatively, the memory 1005 may alternatively be a storage device independent of the processor 1001 described above.
  • the hardware structure of the account inquiry device shown in FIG. 1 does not constitute a limitation on the account inquiry device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.
  • the memory 1005 as a computer readable storage medium of FIG. 1 can include an operating system, a network communication module, and an account query program.
  • the network communication module is mainly used to connect to the client and perform data communication with the client; and the processor 1001 can call the account query program stored in the memory 1005 and execute the account query method provided by the embodiment of the present application.
  • An embodiment of the present application provides an account query method.
  • FIG. 2 is a schematic flowchart of a first embodiment of an account query method according to the present application.
  • the account query method includes the following steps:
  • step S10 when receiving the account registration request sent by the account creation client based on the first channel of the social application, acquiring the joint identifier UnionID unique to the account application client in the social application, and establishing the union ID according to the UnionID a unified account for the client in the social application;
  • the social application in this embodiment is described by taking WeChat as an example.
  • the user opens the WeChat client on the mobile phone (of course, the mobile terminal such as a tablet computer or a laptop computer, or a fixed terminal such as a PC or a smart TV), and then the WeChat insurance public number (first The portal) enters the product mall of the insurance public number platform to purchase products. Since entering the mall is the first time for the user to enter the market, before purchasing the product, the user needs to register an account in the product store first, and the mobile phone goes to the server of the product store according to the registration operation of the user (ie, the above account inquiry device). Send an account registration request.
  • the server When receiving the account registration request sent by the mobile phone WeChat, the server will establish an account for the user based on the WeChat account, and the server will record the account when the user purchases the product or uses other related services.
  • the user ID obtained by the public number or the applet is different.
  • the public number after the user interacts with the public number, the message is generated.
  • the public number can obtain the user's OpenID (encrypted micro-signal, each user is unique to the OpenID of each public number. For different public numbers, the same user's openid is different); in order to unify the same user on different platforms
  • the account name is used to facilitate subsequent data intercommunication.
  • the server when the server establishes an account, the server will call WeChat Openapi (open source application programming interface) to obtain the unique joint identifier UnionID of the user in the WeChat channel, and use this unique id as the user primary key. (or called user ID) for account creation.
  • WeChat Openapi open source application programming interface
  • the obtaining process of the UnionID may be implemented as follows: when the user operates the mobile phone to enter the mall through the WeChat public account and sends an account registration request to the server, the server returns a corresponding identity authorization request to the mobile phone WeChat according to the account registration request, to query Whether the user allows the server to obtain the UnionID of its WeChat account.
  • the mobile phone WeChat When receiving the identity authorization request, the mobile phone WeChat will display the corresponding authorization window to query the user; if the user authorizes the server, click the corresponding consent authorization option, and the mobile phone WeChat returns to the server according to the user's operation. information.
  • the server When receiving the consent authorization information, the server initiates authorization with snsapi_userinfo as the scope, obtains the access token access_token of the user WeChat account through the appid and secret of the public number; and then invokes the "user management interface” of the public number through the access_token “Get User Information Interface” to get the unionID.
  • snsapi_userinfo as the scope, obtains the access token access_token of the user WeChat account through the appid and secret of the public number; and then invokes the "user management interface” of the public number through the access_token “Get User Information Interface” to get the unionID.
  • the server can get the return value including the user WeChat unionID, such as:
  • the server can establish a unified account for the user to record the account information generated by the user when operating in each channel.
  • the server when the user registers the account through the WeChat applet, since the user enters the mall for the first time (the "first time” is for all channels of the mall), the server needs to create a unified account for the user. After the unified account is created, if the user enters the mall from the app (or other channel) and applies for account registration again, the server will first obtain the UnionID of the mobile phone, and determine whether the UnionID has been created with a unified account; if the UnionID has been If a unified account is created, the server will not re-create a unified account, but associate the original unified account with the app channel (or other channels). At this time, when the user enters the mall from the app to perform account operations, The generated account information is also recorded in the unified account.
  • the user can also actively cancel the association between the unified account and a certain channel. Specifically, if the user wants to cancel the association between the unified account and the app channel, the user can operate on the mobile phone, enter the mall from the app channel, and select the un-association option; the mobile phone sends a corresponding cancellation to the server according to the user operation. Associated instructions. When the server receives the cancellation instruction, the server will cancel the association between the unified account and the third channel according to the cancellation instruction. At this time, when the user enters the mall from the app to perform an account operation, the generated account information is not recorded in the unified account.
  • Step S20 Record corresponding account information in the unified account based on the account operation of the account creation client in the first channel;
  • the server when the UnionID of the user WeChat is obtained, the server will establish a unified account for the user with the UnionID; at the same time, return the corresponding registration success information to the user.
  • the user can operate the mobile phone to perform an account operation operation such as insurance product purchase in the product store of the public number; based on the user's account operation, the mobile phone WeChat will send a corresponding account operation instruction to the server; when the server receives the operation instruction of the account, The corresponding account information is recorded in the unified account.
  • the server can obtain the user WeChat.
  • Step S30 when receiving the account query request sent by the auditing client based on the second channel of the social application, querying the corresponding unified account according to the UnionID included in the account query request, and the account information in the unified account Return to the auditing client.
  • the server sends an account query request, which includes the UnionID of the mobile phone WeChat.
  • the server will query the corresponding unified account according to the UnionID; when the unified account is queried, the account information generated by the user entering the mall from different channels for the account operation can be uniformly obtained. At this point, the server will return these account information to the phone for the user to view.
  • the user in this embodiment can also enter the product mall through the public number or other channels to view his unified account.
  • each channel sub-account may be set under the unified account to separately record the user through a certain channel.
  • Business information generated when the account is operated For example, when the user operates the mobile phone from the public number entrance a to enter the product store for registration, the server will establish two accounts, one for the unified account X and one for the sub-account A; then, the user operates the mobile phone from the small program entrance b to enter the product store for registration.
  • the server will establish another sub-account B without having to establish a unified account X (because the unique identifier UnionID has not changed); wherein, for sub-account A, for separately recording the user to enter the product through the public number entry a The account operation performed by the mall; for the sub-account B, for separately recording the account operation performed by the user entering the product mall through the applet entry b; for the unified account, the user is also recorded through the public number entry a and the small program entrance b Entering the account operation performed by the mall (ie, the account information in X is a combination of A and B), thus constructing a secondary account system, while maintaining data interoperability, while maintaining the relative independence of each channel data.
  • the first channel and the second channel represent two different mall entrances; the two different malls may be two different types of mall entrances in the social application (such as the public number). Entry A and applet entry B) can also be two different entries under the same type (such as public number entry A and public number entry C).
  • mall entry type channel type
  • it includes the above-mentioned public number entry, small program entry, and also includes the web portal, the mall-specific app portal, and the promotion portal of the third-party application.
  • the auditing client and the accounting client in this embodiment may be different terminals, for example, the user performs account registration on the mobile phone and performs account inquiry on the computer; and the user queries the account on the computer.
  • the server can query the corresponding unified account and return the account information to the computer for the user to view.
  • the joint identifier UnionID unique to the account application client in the social application is obtained, and the union ID is established according to the UnionID.
  • a unified account of the account creation client in the social application recording corresponding account information in the unified account based on the account operation of the account creation client in the first channel; receiving the audit client based on
  • the social application sends the account query request sent by the second channel the corresponding unified account is queried according to the UnionID included in the account query request, and the account information in the unified account is returned to the auditing client.
  • this embodiment proposes to obtain a unique identifier of the user in the social application when the product is promoted based on the social application, and establish a unified account by using the unique id as the primary key of the user to uniformly record the account information of the user, thereby
  • the user data of different platforms are intercommunicated, which facilitates the user to query the account information, improves the user experience, and also facilitates the unified management of the user data by the staff.
  • FIG. 3 is a schematic flowchart of a second embodiment of an account query method according to the present application.
  • the method further includes:
  • Step S40 when receiving the unified password setting request sent by the accounting client, setting a query password of the unified account according to the unified password setting request;
  • the account information in the unified account is more, and some private data of the user may be involved.
  • the user can set a corresponding unified password for the unified account. Specifically, when registering an account, the user may select a unified password setting option in the mobile phone, and then input a setting password; the mobile phone sends a corresponding unified password setting request to the server according to the operation of the user, and the unified password setting request includes the user. Enter the setup password.
  • the server can set the setting password input by the user as the query password of the unified account according to the request. If the user needs to query the unified account, the user needs to input the query password for identity verification.
  • Step S30 includes:
  • Step S31 when receiving the account query request sent by the auditing client based on the second channel of the social application, querying the corresponding unified account according to the UnionID included in the account query request, and acquiring the query password of the unified account;
  • the server sends an account query request, which includes the UnionID of the mobile phone WeChat.
  • the server will query the corresponding unified account according to the UnionID included in the request; when querying the corresponding unified account, the server will obtain the query password set by the user for the unified account.
  • Step S32 returning a password input request to the auditing client
  • the server when the server obtains the query password set by the user, the server will return a password input request to the mobile phone, and ask the user to input the query password of the unified account to determine whether the current query user is authentic or not.
  • Step S33 when receiving the input password sent by the auditing client, determining whether the input password matches the query password;
  • the server when the server receives the input password sent by the mobile phone, the server compares the current input password with the query password to determine whether the two match.
  • Step S34 If the input password matches the query password, return the account information in the unified account to the audit client.
  • the server will consider that the current query user is authentic. At this point, the server will get the account information in the unified account and return these to the phone for the user to view.
  • the server will consider that the current query user is not authentic, and there may be a risk of information theft. At this time, the server will reject the current mobile phone query for the unified account. Request, and record the rejection, the content of the record may include information such as the rejection time, the query channel involved in the rejection event. At the same time, each time the server rejects the query request of the mobile phone for the unified account, the number of rejections is counted; when the number of rejections within the preset time period is greater than the preset security value, the server considers the unified account to be in a dangerous state. The server will lock the query permission of the unified account and reject the query request sent by the mobile phone from any channel. At the same time, the server will also send a security reminder to the user according to the security contact method filled in when the user registers, in order to prompt the user to process in time.
  • FIG. 4 is a schematic flowchart of a third embodiment of an account query method according to the present application.
  • the method further includes:
  • Step S50 When receiving the record setting instruction sent by the account creation client, set a unified record item of the unified account according to the record setting instruction.
  • the unified account may record all account information generated by the user when performing account operations in any channel, or may only record part of the account information.
  • the user can open the record setting interface in the mobile phone, set the items that need to be recorded in the unified account, and set the record of the public number channel in the unified account to only record the insurance products with the premium of more than 2,000 yuan (including 2000 yuan).
  • the mobile phone sends a corresponding record setting instruction to the server according to the user's operation.
  • the server receives the record setting instruction, it will set a unified record item of the unified account according to the record setting instruction.
  • Step S20 includes:
  • Step S21 Acquire, according to the account operation of the account-making client in the first channel, a corresponding account change item, and determine whether the account change item belongs to the unified record item;
  • the mobile phone when the unified recording item record is completed, if the user operates the mobile phone to enter the mall from the public number to perform an account operation, such as purchasing a product insurance, the mobile phone sends a product purchase instruction to the server.
  • the server When receiving the purchase instruction of the product, the server will perform corresponding business processing on the purchase purchase instruction; at the same time, the server also determines whether the change corresponding to the operation belongs to the unified record item set in step S50, that is, the user purchases Whether the premium for the product is more than 2,000 yuan.
  • Step S22 If the account change item belongs to the unified record item, record corresponding account information in the unified account according to the account change item.
  • the server records the corresponding account information in the unified account; if the change corresponding to the user operation does not belong to For the unified record, that is, if the premium of the product purchased by the user does not reach 2000 yuan, the server will not record the corresponding account information in the unified account.
  • an embodiment of the present application further provides an account query apparatus.
  • FIG. 5 is a schematic diagram of functional modules of a first embodiment of an account query apparatus according to the present application.
  • the account querying device includes:
  • the account establishing module 10 is configured to obtain, when receiving the account registration request sent by the account-making client based on the first channel of the social application, the joint identifier UnionID unique to the account-making client in the social application, and according to the UnionID establishes a unified account of the account creation client in the social application;
  • the information recording module 20 is configured to record corresponding account information in the unified account based on an account operation of the accounting client in the first channel;
  • the information querying module 30 is configured to: when receiving the account query request sent by the auditing client based on the second channel of the social application, query the corresponding unified account according to the UnionID included in the account query request, and query the unified account The account information in the account is returned to the auditing client.
  • the account establishing module 10 includes:
  • An identity authorization unit configured to return a corresponding identity authorization request to the account creation client when receiving an account registration request sent by the account creation client based on the first channel of the social application;
  • An ID obtaining unit configured to acquire, according to the consent authorization information, an access token of the accounting client in the first channel, when the consent authorization information returned by the accounting client is received, and The access token acquires a UnionID unique to the account creation client in the social application.
  • the account querying device further includes:
  • a password setting module configured to: when receiving the unified password setting request sent by the accounting client, set a query password of the unified account according to the unified password setting request;
  • the information query module 30 includes:
  • a password obtaining unit configured to query a unified account corresponding to the UnionID included in the account query request, and obtain the unified account, when receiving the account query request sent by the auditing client based on the second channel of the social application Query password;
  • a password input unit configured to return a password input request to the audit client
  • a password determining unit configured to determine, when the input password sent by the auditing client is received, whether the input password matches the query password
  • an information returning unit configured to return the account information in the unified account to the auditing client if the input password matches the query password.
  • the information query module 30 further includes:
  • Rejecting the query unit if the input password does not match the query password, rejecting the query request of the audit client for the unified account, and counting the number of rejections of the query request within a preset time period;
  • the privilege locking unit is configured to lock the query authority of the unified account if the number of refusal of the query request is greater than a preset security value within a preset time period.
  • the account querying device further includes:
  • a record setting module configured to set a unified record item of the unified account according to the record setting instruction when receiving the record setting instruction sent by the account creation client;
  • the information recording module 20 includes:
  • the item determining unit is configured to obtain a corresponding account change item based on the account operation of the account-making client in the first channel, and determine whether the account change item belongs to the unified record item;
  • the information recording unit is configured to record the corresponding account information in the unified account according to the account change item, if the account change item belongs to the unified record item.
  • the account querying device further includes:
  • An account association module configured to acquire a UnionID of the account-making client when receiving the account registration request sent by the account-based client according to the third channel of the social application, and query the account-making client according to the UnionID a unified account of the end; associating the unified account with the third channel, and recording corresponding account information in the unified account based on the account operation of the account-making client in the third channel.
  • the account querying device further includes:
  • the association cancellation module is configured to cancel the association between the unified account and the third channel according to the cancellation association instruction when receiving the cancellation association instruction sent by the accounting client based on the third channel.
  • the embodiment of the present application further provides a computer readable storage medium.
  • An account query program is stored on the computer readable storage medium of the present application, and the computer readable storage medium stores an account query program, wherein when the account query program is executed by the processor, the steps of the account query method as described above are implemented.

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Abstract

L'invention concerne un procédé d'interrogation de compte. Le procédé consiste à : obtenir un UnionID unique d'un client de création de compte dans une application sociale pour créer un compte unifié lorsqu'une demande d'enregistrement de compte envoyée par un client de création de compte sur la base d'un premier canal d'application sociale est reçue ; enregistrer, sur la base d'une opération de compte du client de création de compte dans le premier canal, des informations de compte correspondantes dans le compte unifié ; et, lorsqu'une demande d'interrogation de compte envoyée par un client d'interrogation de compte est reçue, interroger le compte unifié d'après l'UnionID inclus dans la demande d'interrogation de compte, et retourner les informations de compte dans le compte unifié au client d'interrogation de compte. L'invention concerne également un appareil d'interrogation de compte, un dispositif, et un support de stockage lisible par ordinateur. Selon la présente invention, lorsqu'une promotion de produit est basée sur une application sociale, un compte unifié est créé à l'aide d'un identificateur unique d'un utilisateur dans l'application sociale pour enregistrer des informations de compte de l'utilisateur uniformément. Cela facilite l'intercommunication de données utilisateur de différentes plateformes, et l'interrogation des informations de compte par l'utilisateur.
PCT/CN2018/076073 2017-11-24 2018-02-09 Procédé et appareil d'interrogation de compte, dispositif, et support de stockage lisible par ordinateur WO2019100604A1 (fr)

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