WO2021164327A1 - 数据处理方法、装置、电子设备及计算机可读存储介质 - Google Patents

数据处理方法、装置、电子设备及计算机可读存储介质 Download PDF

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Publication number
WO2021164327A1
WO2021164327A1 PCT/CN2020/126935 CN2020126935W WO2021164327A1 WO 2021164327 A1 WO2021164327 A1 WO 2021164327A1 CN 2020126935 W CN2020126935 W CN 2020126935W WO 2021164327 A1 WO2021164327 A1 WO 2021164327A1
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Prior art keywords
account
user
user account
recharge
payment
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PCT/CN2020/126935
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English (en)
French (fr)
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彭健铿
何娜
刘正也
林天心
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腾讯科技（深圳）有限公司
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Publication of WO2021164327A1 publication Critical patent/WO2021164327A1/zh
Priority to US17/683,674 priority Critical patent/US20220180359A1/en

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/2866—Architectures; Arrangements
    • H04L67/30—Profiles
    • H04L67/306—User profiles

Definitions

  • This application relates to Internet technology, in particular to a data processing method, device, electronic equipment, and computer-readable storage medium.
  • the embodiments of the present application provide a data processing method, device, electronic equipment, and computer-readable storage medium, which can improve the convenience for overseas users to accept payment services provided by payment institutions and services outside of payment.
  • the embodiment of the application discloses a data processing method, the method includes:
  • An embodiment of the application discloses a data processing device, which includes:
  • a generating module configured to generate unique identification information associated with a user account, and send the unique identification information to the user account, so that the user account provides the unique identification information to a financial institution;
  • An obtaining module configured to obtain the unique identification information and the non-payment service request
  • the service providing module is configured to identify the user account and provide corresponding non-payment services for the user account based on the non-payment service request.
  • the embodiment of the present application discloses a data processing electronic device, including: a memory, storing computer-readable instructions; a processor, reading the computer-readable instructions stored in the memory to execute the data described in any one of the above claims Approach.
  • the embodiment of the present application discloses a computer program medium on which computer-readable instructions are stored.
  • the computer-readable instructions are executed by the processor of the computer, the computer is caused to execute the data described in any one of the above claims. Approach.
  • the payment institution directly receives the non-payment service request of the user account according to the relevant information sent by the financial institution, and then provides the non-payment service for the user account.
  • This enables payment institutions to receive real-time guarantees from financial institutions for the non-payment services provided every time they provide non-payment services.
  • overseas users who have not applied for a bank card can easily enjoy the non-payment services provided by payment institutions, and thus can conveniently enjoy the payment services provided by overseas payment institutions.
  • Figure 1 shows the basic system architecture composition according to an embodiment of the present application.
  • Fig. 2 shows a flowchart of a data processing method according to an embodiment of the present application.
  • Fig. 3 shows a guide interface when a user registers a user account through a mini program according to an embodiment of the present application.
  • Fig. 4 shows a registration interface when a user registers a user account through a mini program according to an embodiment of the present application.
  • Fig. 5 shows a guide interface for a user to obtain an identity code after registering a user account through a mini program according to an embodiment of the present application.
  • Fig. 6 shows the change detail page interface of the payment institution after the user activates the user account and completes the recharge according to an embodiment of the present application.
  • Fig. 7 shows the bill details page interface after the user activates the user account and completes the recharge according to an embodiment of the present application.
  • Fig. 8 shows a flow chart in which a user completes the activation of a user account through a small program in an instant messaging client (such as WeChat) according to an embodiment of the present application.
  • Fig. 9 shows a flow chart of user account recharge with a pre-order mechanism introduced according to an embodiment of the present application.
  • Fig. 10 shows a flow chart of a user initiating a currency exchange for a balance in a user account according to an embodiment of the present application.
  • Fig. 11 shows a block diagram of a data processing device according to an embodiment of the present application.
  • Fig. 12 shows a hardware diagram of a data processing electronic device according to an embodiment of the present application.
  • Financial institutions refer to institutions in the financial system that are mainly engaged in the financial industry. For example: banking institutions, securities institutions, insurance institutions.
  • Payment institutions refer to non-financial institutions that are legally approved to handle Internet payment, mobile phone payment, fixed phone payment, digital TV payment and other online payment services. For example: Tenpay, WeChat Wallet.
  • a user account refers to an account generated by a payment institution that provides users with related services of the payment institution. For example: Tenpay account, WeChat wallet account.
  • Unique identification information refers to information that is unique for identification within a specific period of time. For example: a unique character string for identification in the natural day at the current time point, and a unique two-dimensional code for identification in the natural week at the current time point.
  • Non-payment services refer to services provided by payment institutions other than payment services.
  • the user account activation service provided by the payment institution and the user account recharge service provided by the payment institution.
  • Real-name authentication refers to registering and taking effective measures to verify the user's real identity information, and taking continuous identification measures during the business relationship with the user to ensure the effective verification of the user's identity and true intentions.
  • Unit Identification Number is a unique piece of identification information that is mainly used by payment institutions to identify user accounts.
  • Open ID is a unique piece of identification information that is mainly used by the applet to identify user accounts.
  • FIG. 1 shows the basic system architecture composition of an embodiment of the present application: a payment institution server 10, a financial institution server 20a, a financial institution end 20b, and a user end 30.
  • the payment institution server 10 and the financial institution server 20a are located in the cloud;
  • the financial institution end 20b refers to the front end of the financial institution server 20a (for example, a personal computer used by bank staff to process banking business), which is mainly used for exposing to the financial institution The staff;
  • the user terminal 30 refers to the terminal used by the user (for example: the user's mobile phone).
  • the payment institution server 10 in the payment institution generates unique identification information associated with the user account of the user, and the payment institution server 10 can identify and locate the user account of the user through the unique identification information; After receiving the unique identification information, the user can provide the unique identification information to the financial institution, and then request the payment institution through the financial institution for non-payment services.
  • the user provides the unique identification information to the staff of the financial institution, and requests the staff of the financial institution for services other than payment, that is, the financial institution terminal 20b receives the unique identification information input by the staff of the bank.
  • the institution end 20b sends the unique identification information and the non-payment service request to the payment institution server 10 through the financial institution server 20a, so as to realize the request for the non-payment service from the payment institution through the financial institution.
  • the payment institution server 10 identifies the user account based on the unique identification information received from the financial institution; and then provides the corresponding non-payment service for the user account based on the non-payment service request received from the financial institution.
  • a foreign tourist who comes to mainland China for travel, while staying in mainland China wants to accept online fast payment services from payment institutions through instant messaging clients (such as WeChat) due to the convenience of consumption during their stay in mainland China.
  • the payment institution server will generate an 8-digit identity code associated with the user account and send the identity code to the visitor’s account.
  • the ID code is valid and unique within the day.
  • the tourist goes offline to a bank that cooperates with the payment institution, provides the identity code to the staff of the bank, and explains to the staff that he wants to activate the user account associated with the identity code. According to relevant laws and regulations, the staff conducts real-name authentication for the tourist to verify the identity of the tourist.
  • the staff After passing the real-name authentication, the staff sends the identity code and account activation request to the payment institution server via the bank's server through the personal computer processing the banking business.
  • the payment institution server After receiving the identity code, the payment institution server identifies the user account of the tourist; and then activates the user account of the tourist according to the account activation request, so that the user account of the tourist can be used normally.
  • the payment institution server or the financial institution server may be an independent physical server, a server cluster or a distributed system composed of multiple physical servers, or it may provide cloud services, cloud databases, cloud computing, and cloud services.
  • Cloud server for basic cloud computing services such as functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms.
  • the user end can be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, etc., but it is not limited to this.
  • the user terminal and the server can be directly or indirectly connected through wired or wireless communication, which is not limited in the embodiment of the present application.
  • a data processing method includes:
  • Step S410 Generate unique identification information associated with the user account, and send the unique identification information to the user account, so that the user account provides the unique identification information to the financial institution;
  • Step S420 Obtain the unique identification information and the non-payment service request sent by the financial institution;
  • Step S430 Identify the user account based on the unique identification information, and provide a corresponding non-payment service for the user account based on the non-payment service request.
  • the payment institution indirectly receives the non-payment service request of the user account through the financial institution, and then provides the corresponding non-payment service for the user account. Specifically, the payment institution directly receives the non-payment service request of the user account according to the relevant information sent by the financial institution, and then provides the non-payment service for the user account.
  • This method enables payment institutions to obtain real-time guarantees from financial institutions for the provision of non-payment services every time they provide non-payment services. On this basis, there is no need to disclose to the payment institution whether the user has applied for a bank card. Thus, even users who have not applied for a bank card can easily enjoy the non-payment services provided by the payment institution, and then can conveniently enjoy the payment services provided by the payment institution.
  • the embodiments of the application can significantly improve the convenience of the user in accepting payment services provided by payment institutions and non-payment services.
  • step S410 the unique identification information associated with the user account is generated, and the unique identification information is sent to the user account, so that the user account provides the unique identification information to the financial institution.
  • the payment institution will generate unique identification information associated with the user account, and send the unique identification information to the user account. Therefore, when the user account needs to accept the non-payment service of the payment institution, the user account provides the unique identification information to the financial institution, and then requests the non-payment service from the payment institution through the financial institution.
  • the payment institution After a foreign tourist in mainland China registers a user account on his mobile phone, the payment institution generates unique identification information associated with the user account and sends the unique identification information to the tourist's mobile phone.
  • the tourist wants to activate the user account, the tourist can go offline to a bank cooperating with a payment institution and provide the unique identification information to the bank.
  • the bank can send the unique identification information to the payment institution and request the payment institution to activate the user account associated with the unique identification information.
  • the unique identification information includes: a unique identification code composed of character strings, and a unique two-dimensional code composed of geometric figures.
  • the unique identification information generated by the payment institution may be a unique identification code composed of character strings, or a unique two-dimensional code composed of geometric figures.
  • the payment institution After a foreign tourist in mainland China registers a user account on the mobile phone, the payment institution generates a unique 8-digit identification code associated with the user account, and sends the unique identification information to On the tourist's cell phone. Therefore, after the tourist goes to a bank, he can verbally inform the staff of the bank of the identity code. Furthermore, the bank may send the identity code to the payment institution, and request the payment institution to activate the user account associated with the identity code.
  • the payment institution After a foreign tourist in mainland China registers a user account on his mobile phone, the payment institution generates a unique two-dimensional code composed of geometric figures associated with the user account, and sends the two-dimensional code To the tourist’s cell phone. Therefore, after the tourist goes to a bank, the staff of the bank can collect the QR code by scanning the terminal. Furthermore, the bank may send the QR code to the payment institution, and request the payment institution to activate the user account associated with the QR code.
  • the update time point is preset, and the unique identification information is updated every time the update time point is reached.
  • the unique identification information is dynamically updated.
  • the payment institution presets the update time point, and updates the unique identification information associated with the user account every time the update time point is reached.
  • the update time point preset by the payment institution is 00:00 every day.
  • the payment institution generated the identity code "01234567" associated with the user account on the same day.
  • "01234567” was unique on November 20, 2019; in 2019 At 00:00 on November 21, the payment institution updated the identity code associated with the user account to "22222222", which is unique on November 21, 2019.
  • the advantage of the above solution of the embodiment of the present application is that by dynamically updating the unique identification information, the possibility of the leakage of the unique identification information is reduced, and the security of the user account is improved.
  • step S420 the unique identification information and the non-payment service request sent by the financial institution are obtained.
  • the financial institution After the user account provides the unique identification information to the financial institution, if the financial institution determines that the user account meets the conditions for receiving the relevant service of the payment institution in accordance with relevant laws and regulations (for example: the user of the user account passes At the time of real-name authentication of the financial institution), the financial institution sends the unique identification information provided by the user account to the payment institution, and sends the user's non-payment service request to the payment institution.
  • relevant laws and regulations for example: the user of the user account passes At the time of real-name authentication of the financial institution
  • a foreign tourist registers a user account
  • he provides the unique identity code associated with the user account generated by the payment institution to the bank offline, and informs the bank that he wants to activate the user account associated with the identity code.
  • the bank conducts real-name authentication for the tourist in accordance with relevant laws and regulations. After the tourist passes the real-name authentication, the bank sends the identity code to the payment institution and sends the account activation request to the payment institution.
  • step S430 the user account is identified based on the unique identification information, and the corresponding non-payment service is provided for the user account based on the non-payment service request.
  • the payment institution after the payment institution obtains the unique identification information and the service request outside of payment from the financial institution, it identifies the user account associated with the unique identification information based on the unique identification information, and then serves the user based on the service request outside of payment.
  • the account provides corresponding non-payment services.
  • the payment institution can determine that the user account associated with the identity code has passed a series of bank certifications, and can accept related services provided by the payment institution in accordance with relevant laws and regulations. Then, the payment institution identifies the corresponding user account according to the identity code, and then activates the user account.
  • the non-payment service request is an account activation request.
  • the user account is not activated, and the out-of-payment service request includes an account activation request.
  • providing the corresponding non-payment service for the user account includes: providing the corresponding account activation service for the user account based on the account activation request.
  • the user account when the user account provides the associated unique identification information to the financial institution, the user account has not been activated, and the recharge and payment cannot be completed.
  • the user account sends an account activation request to the payment institution through the financial institution to request activation of the user account.
  • the payment institution After the payment institution obtains the unique identification information and the account activation request from the financial institution, it can determine that the user account associated with the unique identification information has passed a series of certifications by the financial institution, and can accept related services provided by the payment institution in accordance with relevant laws and regulations . Then, the payment institution identifies the corresponding user account according to the unique identification information, and then activates the user account.
  • the data processing method provided in the embodiments of the present application further includes the following technical solutions: obtaining the user security level configured for the user account by the financial institution based on the identity information corresponding to the user account; configuring and configuring the user account for the user account. The account permissions that match the user's security level.
  • the payment institution after receiving the account activation request, the payment institution will not only activate the user account, but also configure corresponding account permissions for the user account to limit the scope and types of services that the user account can receive.
  • the financial institution After the financial institution completes a series of authentications on the user account, it also configures the user account with a corresponding user security level based on the identity information corresponding to the user account to identify the trustworthiness of the user account.
  • the financial institution sends the configured user security level to the payment institution, so that the payment institution configures the user account with account permissions that match the user’s security level according to the user’s security level, so as to limit the range of services that the user account can receive. type.
  • a set of user security level standards is preset.
  • the user security level ranges from level 1 to level 3. The higher the level, the higher the trustworthiness of the corresponding user account.
  • the corresponding user account is configured with a 100 yuan limit and the online transfer function is not open; if the user security level obtained by the payment institution from the financial institution is 2.
  • the online transfer function is not open; if the user security level obtained by the payment institution from the financial institution is 3, the corresponding user account is configured with a RMB 1,000 At the same time as the quota, the online transfer function will be opened.
  • the advantage of the above solution of the embodiment of the application is that the financial institution configures the user security level, and then the payment institution configures the account permissions on this basis, so that the payment institution can control the possible risks of the user account to provide services to a certain extent. .
  • non-payment service request is an account recharge request.
  • the user account has been activated, and the out-of-payment service request includes an account recharge request.
  • providing the corresponding non-payment service for the user account includes: providing the corresponding account recharge service for the user account based on the account recharge request.
  • the user account when the user account provides the associated unique identification information to the financial institution, the user account has been activated and can be recharged and paid.
  • the user account sends an account recharge request to the payment institution through the financial institution to request to recharge the user account (it should be noted that the user account does not require the intervention of the financial institution during the payment process ).
  • the payment institution After the payment institution obtains the unique identification information and the account recharge request from the financial institution, it can determine that the user account associated with the unique identification information has passed a series of certifications by the financial institution, and can accept related services provided by the payment institution in accordance with relevant laws and regulations . The payment institution then identifies the corresponding user account based on the unique identification information, and then recharges the user account based on the specific recharge amount described in the account recharge request.
  • a foreign tourist After a foreign tourist registers and activates a user account, he provides the unique identity code associated with the user account generated by the payment institution to the bank offline, and informs the bank that he wants to recharge the user account associated with the identity code 500 yuan.
  • the bank conducts real-name authentication for the tourist in accordance with relevant laws and regulations. After the tourist passes the real-name authentication and the bank receives the tourist's 500 yuan or equivalent foreign currency, the bank sends the identity code to the payment institution and sends the account recharge request to the payment institution.
  • the payment institution After receiving the identity code and the account recharge request from the bank, the payment institution can identify the user account of the tourist based on the identity code; and then, based on the account recharge request, recharge RMB 500 into the user account of the tourist.
  • the user account is configured with corresponding account permissions.
  • the above steps of providing the corresponding account recharge service for the user account based on the account recharge request can be realized by the following technical solutions: verify the legitimacy of the account recharge request based on the account authority; if the account recharge request is legal, The user account provides corresponding account recharge service.
  • the payment institution is also configured with corresponding account permissions for the activated user account to limit the scope and types of services that the user account can receive.
  • the payment institution After the payment institution obtains the unique identification information and the account recharge request from the financial institution, after identifying the corresponding user account based on the unique identification information, it does not directly recharge the user account based on the specific recharge amount described in the account recharge request. Instead, after verifying the legitimacy of the account recharge request based on the account authority of the user account, determine whether to recharge the user account according to whether the account recharge request is legal.
  • the account recharge request is legal, recharge the user account; if the account recharge request is illegal, refuse to recharge the user account.
  • the payment institution allocates a quota of 1,000 yuan for the tourist's user account.
  • the tourist provides the unique identity code associated with his user account generated by the payment institution to the bank offline, and informs the bank that he wants to recharge the user account associated with the identity code of RMB 500.
  • the bank sends the identity code and the account recharge request to the payment institution.
  • the payment institution After the payment institution receives the identity code and the account recharge request from the bank, it can identify the user account of the tourist based on the identity code; then according to the current remaining amount in the user account and the user account when the user account is activated
  • the configured quota determines the current remaining quota of the user account. If the current remaining quota is greater than RMB 500, the account recharge request is determined to be legal, and then the user account is recharged with 500 yuan; if the current remaining quota is less than 500 yuan Renminbi, it is determined that the account recharge request is illegal, and it refuses to recharge the user account.
  • the advantage of the solution of the embodiment of the present application is that the legality of the account recharge request is verified based on the account authority, which improves the security of the account recharge process.
  • the above process of providing the corresponding account recharge service for the user account can be implemented by the following technical solution: generate a corresponding recharge order based on the account recharge request, and send the recharge order to the financial institution; obtain Response information of the financial institution to the recharge order; based on the response information, provide corresponding account recharge services for the user account.
  • the mechanism of pre-ordering is adopted to recharge. Specifically, after determining that the account recharge request is legal, the payment institution does not directly recharge the user account. Instead, it first generates the corresponding recharge order based on the account recharge request, and sends the recharge order to the financial institution, so that the financial institution can guide the user to hand over the funds to be recharged to the financial institution based on the recharge order, that is, the financial institution will pay the institution on behalf of the financial institution Collect funds to be recharged.
  • the financial institution After the financial institution receives the funds to be recharged, it completes the recharge order; then the financial institution returns the completed information of the recharge order as the response information to the recharge order to the payment institution; thus, the payment institution can determine that the financial institution has received the pending recharge. Recharge the funds, and then the payment institution recharges the funds to be recharged in the user account.
  • a foreign tourist After a foreign tourist registers and activates a user account, he provides the unique identity code associated with the user account generated by the payment institution to the bank offline, and informs the bank that he wants to recharge the user account associated with the identity code 500 yuan.
  • the bank conducts real-name authentication for the tourist in accordance with relevant laws and regulations. After the tourist passes the real-name authentication, the bank will not immediately charge the tourist's 500 yuan, but will first send the identity code to the payment institution and send the account recharge request to the payment institution.
  • the payment institution determines the legitimacy of the account recharge request. If the payment institution determines that the account recharge request is legal, the payment institution generates a corresponding recharge order based on the account recharge request and sends it to the bank to instruct the bank to charge the tourist 500 yuan Renminbi.
  • the bank After the bank receives the recharge order, it will charge the tourist 500 yuan. After the receipt is successful, the bank will return the notification of the completion of the recharge order to the payment institution. After receiving the notification of the completion of the recharge order, the payment institution recharges 500 RMB into the user account of the tourist.
  • the advantage of the solution of the embodiment of this application is that through the introduction of the pre-order mechanism, the payment institution will recharge the user account only after confirming that the financial institution has indeed completed the recharge, avoiding the risk of short-term transactions due to network reasons. .
  • the payment institution may not obtain the user identity information corresponding to the user account, but process the user identity information corresponding to the user account (for example, real-name the user account based on the user identity information corresponding to the user account) Certification) can be solely responsible by the financial institution.
  • the payment institution only after the financial institution has passed the processing of the user's identity information (for example, after the real-name authentication is passed), the payment institution will receive the unique identification information and the non-payment service request sent by the financial institution. It is understandable that in addition to the processing of the user identity information corresponding to the user account by the financial institution, if the payment institution also processes the user identity information corresponding to the user account, the security of the user account management will be further enhanced.
  • the following technical solution may also be implemented: obtaining the user identity information corresponding to the user account sent by the financial institution;
  • the non-payment service request provides the corresponding non-payment service for the user account, including: providing the corresponding non-payment service for the user account based on the user identity information and the non-payment service request.
  • the payment institution also obtains the user identity information corresponding to the user account sent by the financial institution, and then provides corresponding non-payment services for the user account based on the user identity information and the non-payment service request.
  • the payment institution when the non-payment service request is an account activation request, the payment institution also describes in detail the specific process of the embodiment for processing the identity information of the user account.
  • the user account is not activated, and the out-of-payment service request includes an account activation request.
  • the above-mentioned process of providing corresponding non-payment services for the user account based on the user identity information and the non-payment service request can be realized by the following technical solution: storing the user identity information, and combining the user identity information with the user Accounts are associated; based on the account activation request, corresponding account activation services are provided for the user account.
  • the user account when the user account provides the associated unique identification information to the financial institution, the user account has not been activated, and the recharge and payment cannot be completed.
  • the user account sends an account activation request to the payment institution through the financial institution to request activation of the user account.
  • the payment institution In addition to obtaining the unique identification information and account activation request from the financial institution, the payment institution also obtains the identity information corresponding to the user account. The payment institution identifies the corresponding user account according to the unique identification information, and then activates the user account; at the same time, the payment institution stores the user identity information, and associates the user identity information with the user account, so as to subsequently provide the When a user account provides services, it can further verify the user identity information of the user account on the basis of a series of authentications that the financial institution has performed.
  • the advantage of the solution of the embodiment of the present application is that when the payment institution activates the user account, it stores the corresponding user identity information and associates it with the user account, so that the user identity information of the user account can be further verified in the subsequent process, which improves the Security of user account management.
  • the following technical solutions may also be implemented: based on the user identity information, configure a corresponding user security level for the user account; configure the user account with account permissions that match the user security level.
  • the payment institution after obtaining the user identity information from the financial institution, the payment institution personally configures the user account with a corresponding user security level, and then configures the user account with account permissions that match the user security level.
  • the payment institution can pre-set the corresponding scores for the various branch information that the user identity information can contain, and then add the scores corresponding to the various branch information actually contained in the obtained user identity information to obtain the obtained user identity The total score of the information, and then the user security level configuration based on the total score.
  • the payment institution sets 20 points for the name information that must be included in the user identity information; 20 points for the face information that must be included; 10 points for the nationality information that must be included; and 10 points for the phone information that must be included.
  • the user security level configured for the user account is 1; if it is greater than 60 points and not greater than 90 points, the user account is configured for The user security level is 2; if it is equal to 100 points, the user security level configured for the user account is 3.
  • the corresponding institution security level is configured for the financial institution in advance. Based on the identity information, configuring a corresponding user security level for the user account includes: configuring a corresponding user security level for the user account based on the organization security level and the identity information.
  • the payment institution may cooperate with multiple financial institutions, and configure corresponding institutional security levels for each financial institution.
  • Institutional security level describes the trustworthiness of the corresponding financial institution.
  • the payment institution After the payment institution obtains the user identity information from the financial institution, it combines the user identity information with the institution's security level, and configures the user account with the corresponding user security level.
  • the institution security level configured by the payment institution for the financial institution can be controlled between 0 and 1.
  • the payment institution can set the corresponding scores for each branch information that the user identity information can contain in advance, and then the obtained user identity information The scores corresponding to each branch information actually contained are added to obtain the total score of the obtained user identity information; thus, the payment institution can use the security level of the institution as the weight of the total score, and multiply the total score to obtain the weighted score, and then Configure the user's security level according to the weight score.
  • the payment institution pre-configured the institutional security level for bank A to be 1, the institutional security level for bank B was 0.8, and the institutional security level for C securities was 0.6. If the weight score of the obtained user identity information is not greater than 60 points, the user security level configured for the user account is 1; if it is greater than 60 points and not greater than 90 points, the user security level configured for the user account is 2; if Equal to 100 points, the user security level configured for the user account is 3.
  • the advantage of the solution of the embodiment of the present application is that the payment institution configures the user security level in combination with the institution security level, so that the account authority configuration can be performed more accurately.
  • the payment institution also describes the specific process of the embodiment in which the identity information corresponding to the user account is processed in detail.
  • the user account has been activated, and the out-of-payment service request includes an account recharge request.
  • providing corresponding non-payment services for the user account includes: providing corresponding account recharge services for the user account based on the user identity information and the account recharge request.
  • the user account when the user account provides the associated unique identification information to the financial institution, the user account has been activated and can be recharged and paid.
  • the user account sends an account recharge request to the payment institution through the financial institution to request to recharge the user account.
  • the payment institution After the payment institution obtains the unique identification information, the account recharge request, and the user identity information sent by the financial institution from the financial institution, it identifies the corresponding user account based on the unique identification information, and then sends an account based on the user identity information and the account recharge request.
  • the user account is recharged.
  • the user account is configured with corresponding account permissions.
  • the above-mentioned process of providing the corresponding account recharge service for the user account based on the user identity information and the account recharge request can be implemented by the following technical solutions: verify the user identity information based on the information that has been associated with the user account; based on the account Permission to verify the legitimacy of the account recharge request; if the user’s identity information is verified and the account recharge request is legal, provide the corresponding account recharge service for the user account.
  • the payment institution before the payment institution provides the corresponding account recharge service for the user account, it will verify the user identity information received from the financial institution based on the user account and associated information; based on the pre-configured account permissions, the verification The legality of the account recharge request.
  • the payment institution then provides the corresponding account recharge service for the user account.
  • the payment institution when activating a user account of a foreign tourist, stores the identity information of the tourist, associates the identity information of the tourist with the user account; and configures the corresponding account permissions for the user account.
  • the tourist After the user account is activated, the tourist provides the unique identity code associated with the user account generated by the payment institution to the bank offline, and informs the bank that he wants to recharge the user account associated with the identity code of RMB 500.
  • the bank conducts real-name authentication for the tourist in accordance with relevant laws and regulations. After the bank's real-name verification is passed, the bank sends the visitor's identity code, the account recharge request, and the identity information that has just been verified to the payment institution.
  • the payment institution After receiving the identity code, the account recharge request, and the identity information authenticated by the financial institution from the bank, the payment institution recognizes the tourist's user account based on the identity code; and then combines the stored identity information associated with the user account Compare the identity information with the real-name authentication of the financial institution to verify whether the two are consistent; and verify the legitimacy of the account recharge request based on the account authority. If the two are consistent and the account recharge request is legal, the payment institution recharges 500 yuan to the user account.
  • the advantage of the solution of the embodiment of the application is that the payment institution verifies the user identity information and the legitimacy of the account recharge request, and then provides the account recharge service after the two verifications are passed, which improves the security of the account recharge.
  • the above process of providing the corresponding account recharge service for the user account can be implemented by the following technical solution: generate a corresponding recharge order based on the account recharge request, and send the recharge order to the financial institution; obtain Response information of the financial institution to the recharge order; based on the response information, provide corresponding account recharge services for the user account.
  • the mechanism of pre-ordering is adopted to recharge. It is understandable that the specific implementation process of this embodiment is the same as the specific implementation process of the pre-order embodiment in the case where the payment institution does not process the user identity information corresponding to the user account, so it will not be repeated here.
  • Fig. 3 shows a guide interface when a user registers an account through a mini program in an embodiment of the present application.
  • the user opens the small program of the client in the mobile phone and registers an account.
  • the guide information shown in Fig. 3 is displayed to guide the user to register, obtain the identity code, and then go to the bank to pay cash to complete the recharge.
  • Fig. 4 shows a registration interface when a user registers a user account through a mini program in an embodiment of the present application.
  • the user correspondingly supplements the type, name, and number of the registration information according to the content displayed on the registration interface. After completing the supplement, click the "Confirm and Submit” button to complete the submission of the registration information.
  • FIG. 5 shows the guide interface for obtaining the identity code after the user registers the user account through the mini program in the embodiment of the present application.
  • the user submits the registration information, and after completing the registration, a unique 8-digit identification code is received on the guide interface in the applet; at the same time, the guide interface also shows that the user can go to Recharged bank outlets to guide users to the bank outlets shown on the map to recharge.
  • the guide interface In the guide interface, if the user clicks the "Quota Query" button, the guide interface will also display the quota information shown on the right to inform the user of the amount that can be recharged to the user's account through the bank.
  • Fig. 6 shows the change detail page interface in the user account after the user activates the user account and completes the recharge in the embodiment of the present application.
  • the user goes to the bank to activate the user account and recharge 1 RMB, click to enter the change details of the user account of the user.
  • the list of change recharge and change payment is first displayed; click on the dotted line shown on the left of Figure 6
  • FIG. 7 shows the bill details page interface in the user account after the user activates the user account and completes the recharge in the embodiment of the present application.
  • the user goes to the bank to activate the user account and top up 1 RMB, click to enter the bill details of the user's user account.
  • the bill list of the current month is displayed first; after clicking the dotted line shown on the left of Figure 7, Enter the detailed interface of the bill details shown on the right, the current status, recharge time, payment method, and transaction number.
  • Fig. 8 shows a flow chart in which the user completes the activation of the user account through a small program in an instant messaging client (such as WeChat) in an embodiment of the present application.
  • openid is a unique piece of identification information that is mainly used by the applet to identify user accounts
  • unit identification number (uin, Unit Identification Number) is a unique piece of identification that is mainly used by payment institutions to identify user accounts Information; the identity code, the corresponding openid and the corresponding uin are mapped to each other.
  • Inactive user accounts are only temporarily perceived by the applet, not by the payment institution. In this case, the uin corresponding to the user account does not exist in WeChat, and the corresponding user account does not exist in the payment institution. Since the user completes the user account activation in the bank, for the purpose of brief display, the "user” and “bank” are combined and displayed as "bank” in Figure 8.
  • the mini program after the user completes the registration of the user account in the mini program, the mini program generates an identity code associated with the openid according to the openid generated during registration.
  • the bank After the user provides the identity code to the bank and completes the real-name authentication, the bank sends the ID number, name, recharge amount, and identity code to the applet; the applet finds the corresponding openid based on the identity code, and then checks the account with WeChat based on the openid Corresponding uin; After getting feedback from WeChat, according to openid, check with the payment institution whether the account has a real name.
  • the applet will adjust the account opening interface of WeChat according to openid to activate the account; WeChat generates the corresponding uin, and then adjusts the account opening interface of the payment institution according to uin;
  • the payment institution creates a user account and adds the two parameters of the real-name authentication channel type (authen_channel_state) and the real-name authentication state type (authen_state). If the real-name authentication of the user account in a specific authentication channel is confirmed according to these two parameters, it will The user account is set to three types of accounts, thereby activating the user account.
  • the real-name authentication channel type mainly describes the authentication channel of the real-name authentication (for example, whether it is authenticated by a banking institution or a securities institution);
  • the real-name authentication status type mainly describes whether the real-name authentication has passed.
  • the applet will pass the uin, name, and ID number to the payment institution; the payment institution verifies the received identity information and the corresponding information based on the received uin, name, and ID number Whether the associated identity information of the user account is consistent, and then the result is returned to the applet to activate the user account.
  • the user can set the payment password in WeChat to complete the user account settings.
  • Fig. 9 shows a flow chart of user account recharge with the introduction of a pre-order mechanism in an embodiment of the present application.
  • the user comes to the bank and provides the identity information and identity code to the bank to perform offline recharge; the bank sends the corresponding recharge information, received identity information and identity code to the applet; applet verification After the identity information, the identity code is converted into uin, and then the recharge information and uin are sent to the payment institution.
  • the payment institution identifies the user account according to uin; then verifies the recharge information; after the verification is passed, it generates an order number, and then returns the order number to the bank.
  • the bank processes the recharge according to the received order number and collects the user's funds to be recharged. After the recharge is successful, the bank will send a notification of the successful bank recharge to the payment institution, along with the order number.
  • the payment institution After receiving the notification of successful bank recharge, the payment institution recharges the user's user account, and returns a notification of the successful recharge of the payment institution to the applet, returns the notification of the successful recharge of the payment institution to the bank, and returns the successful recharge of the payment institution to the user notify.
  • Fig. 10 shows a flow chart of the user initiating exchange for the balance in the user account in an embodiment of the present application.
  • the user wants to exchange the balance in the user account. Specifically, the user initiates a currency exchange transaction to a currency exchange merchant; and then the currency exchange merchant places an order with WeChat; WeChat pulls up the cash register for the currency exchange transaction, so that the user pays the balance in the user's account through the cash register to transfer The balance is exchanged; after the payment institution completes the processing of the exchange transaction, it returns a notice of successful exchange to the exchange merchant and a notice of successful exchange to the user; WeChat also returns a notice of successful exchange to the exchange merchant. Therefore, the user can get the cash after the balance in the user's account is exchanged from the currency exchange merchant.
  • a data processing device is also provided.
  • the data processing device may be a computer program (including program code) running in a computer device.
  • the data processing device is a computer program (including program code).
  • Application software the device can be used to execute the corresponding steps in the method provided in the embodiments of this application.
  • the device includes: a generating module 510 configured to generate unique identification information associated with a user account, and send the unique identification information to the user account, so that the user account provides the unique identification information to Financial institution; obtaining module 520, configured to obtain the unique identification information and service request outside of payment; service providing module 530, configured to identify the user account, and based on the service request outside of payment, provide corresponding services for the user account Payment services.
  • a generating module 510 configured to generate unique identification information associated with a user account, and send the unique identification information to the user account, so that the user account provides the unique identification information to Financial institution
  • obtaining module 520 configured to obtain the unique identification information and service request outside of payment
  • service providing module 530 configured to identify the user account, and based on the service request outside of payment, provide corresponding services for the user account Payment services.
  • the user account is not activated
  • the non-payment service request includes an account activation request
  • the device is configured to provide a corresponding account activation service for the user account based on the account activation request.
  • the device is configured to: obtain the user security level configured for the user account by the financial institution based on the identity information corresponding to the user account; configure the user account and the user security Account permissions that match the level.
  • the user account is configured with corresponding account permissions; the device is configured to: verify the legitimacy of the account recharge request based on the account permissions; if the account recharge request is legal, it is The user account provides the corresponding account recharge service.
  • the device is configured to: generate a corresponding recharge order based on the account recharge request, and send the recharge order to the financial institution; obtain a response of the financial institution to the recharge order Information; based on the response information, provide corresponding account recharge services for the user account.
  • the device is configured to: obtain the user identity information corresponding to the user account sent by the financial institution; Provide corresponding non-payment services.
  • the user account is not activated, the service request out of payment includes an account activation request, and the device is configured to store the user identity information and combine the user identity information with the user identity information.
  • the user account is associated; based on the account activation request, a corresponding account activation service is provided for the user account.
  • the device is configured to: configure a corresponding user security level for the user account based on the user identity information; configure the user account with account permissions that match the user security level.
  • a corresponding institution security level is configured for the financial institution in advance; the device is configured to configure a corresponding user security level for the user account based on the institution security level and the identity information.
  • the non-payment service request includes an account recharge request
  • the device is configured to provide the user account with The corresponding account recharge service.
  • the user account is configured with corresponding account permissions; the device is configured to: verify the user identity information based on the information associated with the user account; and verify the user identity information based on the account permissions The legitimacy of the account recharge request; if the user identity information is verified, and the account recharge request is legal, the user account is provided with a corresponding account recharge service.
  • the device is configured to: generate a corresponding recharge order based on the account recharge request, and send the recharge order to the financial institution; obtain a response of the financial institution to the recharge order Information; based on the response information, provide corresponding account recharge services for the user account.
  • the data processing electronic device 60 according to an embodiment of the present application will be described below with reference to FIG. 12.
  • the data processing electronic device 60 shown in FIG. 12 is only an example, and should not bring any limitation to the functions and scope of use of the embodiments of the present application.
  • the data processing electronic device 60 is represented in the form of a general-purpose computing device.
  • the components of the data processing electronic device 60 may include, but are not limited to: the aforementioned at least one processing unit 610, the aforementioned at least one storage unit 620, and a bus 630 connecting different system components (including the storage unit 620 and the processing unit 610).
  • the storage unit stores program code, and the program code can be executed by the processing unit 610, so that the processing unit 610 executes the various exemplary methods described in the description section of the exemplary method of the present specification. Steps of implementation. For example, the processing unit 610 may execute various steps as shown in FIG. 2.
  • the storage unit 620 may include a readable medium in the form of a volatile storage unit, such as a random access storage unit (RAM) 6201 and/or a cache storage unit 6202, and may further include a read-only storage unit (ROM) 6203.
  • RAM random access storage unit
  • ROM read-only storage unit
  • the storage unit 620 may also include a program/utility tool 6204 having a set of (at least one) program module 6205.
  • program module 6205 includes but is not limited to: an operating system, one or more application programs, other program modules, and program data, Each of these examples or some combination may include the implementation of a network environment.
  • the bus 630 may represent one or more of several types of bus structures, including a storage unit bus or a storage unit controller, a peripheral bus, a graphics acceleration port, a processing unit, or a local area using any bus structure among multiple bus structures. bus.
  • the data processing electronic device 60 may also communicate with one or more external devices 700 (such as keyboards, pointing devices, Bluetooth devices, etc.), and may also communicate with one or more devices that enable a user to interact with the data processing electronic device 60, And/or communicate with any device (eg, router, modem, etc.) that enables the data processing electronics 60 to communicate with one or more other computing devices.
  • This communication can be performed through an input/output (I/O) interface 650.
  • An input/output (I/O) interface 650 is connected to the display unit 640.
  • the data processing electronic device 60 may also communicate with one or more networks (for example, a local area network (LAN), a wide area network (WAN), and/or a public network, such as the Internet) through the network adapter 660.
  • networks for example, a local area network (LAN), a wide area network (WAN), and/or a public network, such as the Internet
  • the network adapter 660 communicates with other modules of the data processing electronic device 60 through the bus 630.
  • other hardware and/or software modules can be used in conjunction with the data processing electronic device 60, including but not limited to: microcode, device controller, redundant processing unit, external disk control array, RAID system , Tape controller and data backup storage system, etc.
  • the example embodiments described here can be implemented by software, or can be implemented by combining software with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile computer-readable storage medium (which can be a CD-ROM, U disk, mobile hard disk, etc.) Or on the network, several instructions are included to enable a computing device (which may be a personal computer, a server, a terminal device, or a network device, etc.) to execute the method according to the embodiment of the present application.
  • a computing device which may be a personal computer, a server, a terminal device, or a network device, etc.
  • a computer-readable storage medium having computer-readable instructions stored thereon, and when the computer-readable instructions are executed by the processor of the computer, the computer is caused to execute the above method The method described in the example section.
  • computer-readable instructions can be deployed to be executed on one computing device, or on multiple computing devices located at one location, or on multiple computing devices that are distributed across multiple locations and interconnected by a communication network. Executed on the device, multiple computing devices distributed in multiple locations and interconnected through a communication network can form a blockchain system.
  • the computer-readable storage medium can be any tangible medium that contains or stores a program, and the program can be used by or in combination with an instruction execution system, device, or device.
  • the program product can use any combination of one or more readable media.
  • the readable medium may be a signal readable medium or a computer readable storage medium.
  • the computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: electrical connections with one or more wires, portable disks, hard disks, random access memory (RGM), read-only memory (ROM), Erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disk read only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.
  • the computer-readable signal medium may include a data signal propagated in baseband or as a part of a carrier wave, and readable program code is carried therein. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • the readable signal medium may also be any readable medium other than a computer readable storage medium, and the readable medium may send, propagate, or transmit a program for use by or in combination with the instruction execution system, apparatus, or device.
  • the program code contained on the readable medium can be transmitted by any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the foregoing.
  • the program code used to perform the operation of the present invention can be written in any combination of one or more programming languages.
  • the programming language includes object-oriented programming languages—such as JAVA, C++, etc., as well as conventional procedural styles. Programming language-such as "C" language or similar programming language.
  • the program code can be executed entirely on the user's computing device, partly on the user's device, executed as an independent software package, partly on the user's computing device and partly executed on the remote computing device, or entirely on the remote computing device or server Executed on.
  • the remote computing device can be connected to a user computing device through any kind of network, including a local area network (KGN) or a wide area network (WGN), or it can be connected to an external computing device (for example, using Internet service providers). Business to connect via the Internet).
  • KGN local area network
  • WGN wide area network
  • modules or units of the device for action execution are mentioned in the above detailed description, this division is not mandatory.
  • the features and functions of two or more modules or units described above may be embodied in one module or unit.
  • the features and functions of a module or unit described above can be further divided into multiple modules or units to be embodied.
  • the example embodiments described here can be implemented by software, or can be implemented by combining software with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile computer-readable storage medium (which can be a CD-ROM, U disk, mobile hard disk, etc.) Or on the network, several instructions are included to enable a computing device (which may be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiment of the present application.
  • a computing device which may be a personal computer, a server, a mobile terminal, or a network device, etc.

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Abstract

本申请提供了一种数据处理方法、装置、电子设备及计算机可读存储介质，所述方法包括：生成与用户账户相关联的唯一标识信息，并将所述唯一标识信息发送给所述用户账户，以使所述用户账户将所述唯一标识信息提供给金融机构；获取由所述金融机构发送的所述唯一标识信息以及支付外服务请求；基于所述唯一标识信息识别所述用户账户，并基于所述支付外服务请求，为所述用户账户提供相应的支付外服务。

Description

数据处理方法、装置、电子设备及计算机可读存储介质
相关申请的交叉引用
本申请基于申请号为202010100281.3、申请日为2020年02月18日的中国专利申请提出，并要求该中国专利申请的优先权，该中国专利申请的全部内容在此引入本申请作为参考。
技术领域
本申请涉及互联网技术，具体涉及一种数据处理方法、装置、电子设备及计算机可读存储介质。
背景技术
随着互联网技术的高度发展，支付机构提供的线上支付服务已经成为金融领域的重要业务组成部分。同时，随着国际化交流的日益频繁，越来越多的境外用户有跨境线上支付的需求。
然而相关技术中，对于在一个国家或地区部署的线上支付而言，如果境外用户需要只用这些服务，需要事先办理该国家的银行的银行卡，将该银行卡与支付机构账户绑定，才能使用支付服务。
然而由于境外用户的特殊性，对于大多数国家法律法规而言，境外用户办理本国银行卡的流程较为复杂，许多境外用户甚至无法完成境外银行卡的办理，从而导致境外用户无法便捷地接受支付机构提供的支付服务。
发明内容
本申请实施例提供一种数据处理方法、装置、电子设备及计算机可读存储介质，能够提高境外用户接受支付机构提供的支付服务以及支付外服务的便捷度。
本申请实施例公开了一种数据处理方法，所述方法包括：
生成与用户账户相关联的唯一标识信息，并将所述唯一标识信息发送给所述用户账户，以使所述用户账户将所述唯一标识信息提供给金融机构；
获取由所述金融机构发送的所述唯一标识信息以及支付外服务请求；
基于所述唯一标识信息识别所述用户账户，并基于所述支付外服务请 求，为所述用户账户提供相应的支付外服务。
本申请实施例公开了一种数据处理装置，所述装置包括：
生成模块，配置为生成与用户账户相关联的唯一标识信息，并将所述唯一标识信息发送给所述用户账户，以使所述用户账户将所述唯一标识信息提供给金融机构；
获取模块，配置为获取所述唯一标识信息以及支付外服务请求；
服务提供模块，配置为识别所述用户账户，并基于所述支付外服务请求，为所述用户账户提供相应的支付外服务。
本申请实施例公开了一种数据处理电子设备，包括：存储器，存储有计算机可读指令；处理器，读取存储器存储的计算机可读指令，以执行以上权利要求中的任一个所述的数据处理方法。
本申请实施例公开了一种计算机程序介质，其上存储有计算机可读指令，当所述计算机可读指令被计算机的处理器执行时，使计算机执行以上权利要求中的任一个所述的数据处理方法。
本申请实施例中，支付机构是直接根据金融机构发送的相关信息，间接地接收用户账户的支付外服务请求，进而为用户账户提供支付外服务的。使得每一次提供支付外服务，支付机构都会得到金融机构针对此次支付外服务的实时保障。在此基础上，用户是否办理了银行的银行卡便无需暴露给支付机构。从而使得即使是没有办理银行卡的境外用户，也能便捷地享受到支付机构提供的支付外服务，进而可以便捷地享受境外支付机构提供的支付服务。
附图说明
图1示出了根据本申请一个实施例的基本体系构架组成。
图2示出了根据本申请一个实施例的数据处理方法的流程图。
图3示出了根据本申请一个实施例的用户通过小程序注册用户账户时的引导界面。
图4示出了根据本申请一个实施例的用户通过小程序注册用户账户时的注册界面。
图5示出了根据本申请一个实施例的用户通过小程序注册用户账户完毕后，获取到身份码的引导界面。
图6示出了根据本申请一个实施例的用户激活用户账户并完成充值后，支付机构的零钱明细页界面。
图7示出了根据本申请一个实施例的用户激活用户账户并完成充值后的账单详情页界面。
图8示出了根据本申请一个实施例的用户通过即时通信客户端(例如微信)中的小程序完成用户账户激活的流程图。
图9示出了根据本申请一个实施例的引入预下单机制的用户账户充值的流程图。
图10示出了根据本申请一个实施例的用户对用户账户中的余额发起换汇的流程图。
图11示出了根据本申请一个实施例的数据处理装置的框图。
图12示出了根据本申请一个实施例的数据处理电子设备的硬件图。
具体实施方式
现在将参考附图更全面地描述示例实施方式。然而，示例实施方式能够以多种形式实施，且不应被理解为限于在此阐述的范例；相反，提供这些示例实施方式使得本申请的描述将更加全面和完整，并将示例实施方式的构思全面地传达给本领域的技术人员。附图仅为本申请的示意性图解，并非一定是按比例绘制。图中相同的附图标记表示相同或类似的部分，因而将省略对它们的重复描述。
此外，所描述的特征、结构或特性可以以任何合适的方式结合在一个或更多示例实施方式中。在下面的描述中，提供许多具体细节从而给出对本申请的示例实施方式的充分理解。然而，本领域技术人员将意识到，可以实践本申请的技术方案而省略所述特定细节中的一个或更多，或者可以采用其它的方法、组元、步骤等。在其它情况下，不详细示出或描述公知结构、方法、实现或者操作以避免喧宾夺主而使得本申请的各方面变得模糊。
附图中所示的一些方框图是功能实体，不一定必须与物理或逻辑上独立的实体相对应。可以采用软件形式来实现这些功能实体，或在一个或多 个硬件模块或集成电路中实现这些功能实体，或在不同网络和/或处理器装置和/或微控制器装置中实现这些功能实体。
下面对本申请实施例涉及的部分概念进行简要解释。
金融机构指的是金融体系中，主要从事金融业的机构。例如：银行机构、证券机构、保险机构。
支付机构指的是依法获准办理互联网支付、移动电话支付、固定电话支付、数字电视支付等网络支付业务的非金融机构。例如：财付通、微信钱包。
用户账户指的是由支付机构生成的、向用户提供该支付机构的相关服务的账户。例如：财付通账户、微信钱包账户。
唯一标识信息指的是在特定时间段内独一无二的用于标识的信息。例如：在当前时间点所处的自然天内独一无二的用于标识的字符串、在当前时间点所处的自然周内独一无二的用于标识的二维码。
支付外服务指的是由支付机构提供的、除了支付服务外的其它服务。例如：由支付机构提供的用户账户激活服务、由支付机构提供的用户账户充值服务。
实名认证指的是登记并采取有效措施验证用户的真实身份信息，在与用户的业务关系存续期间采取持续的身份识别措施，确保有效核实用户身份及其真实意愿。
单位识别码(uin，Unit Identification Number)，是一段唯一的、支付机构识别用户账户时所主要使用的标识信息。
开放标识(Openid)，是一段唯一的、小程序识别用户账户时所主要使用的标识信息。
需要说明的是，上述有关部分概念的简要解释中所举的例子只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
下面参考图1对本申请实施例的基本体系构架进行描述。
图1示出了本申请实施例的基本体系构架组成：支付机构服务器10、 金融机构服务器20a、金融机构端20b、用户端30。其中，支付机构服务器10与金融机构服务器20a位于云端；金融机构端20b指的是金融机构服务器20a的前端(例如：银行工作人员用于处理银行业务的个人电脑)，主要用于暴露给金融机构的工作人员；用户端30指的是用户所使用的终端(例如：用户的手机)。
该实施例中，针对特定用户，支付机构中的支付机构服务器10生成与该用户的用户账户相关联的唯一标识信息，通过该唯一标识信息支付机构服务器10能够识别、定位该用户的用户账户；用户接收到该唯一标识信息后，可以将该唯一标识信息提供给金融机构，进而通过该金融机构向支付机构请求支付外服务。例如，在如下应用场景中，用户将该唯一标识信息提供给金融机构工作人员，并向金融机构工作人员提出支付外服务请求，即金融机构端20b接收到银行工作人员输入的唯一标识信息，金融机构端20b通过金融机构服务器20a将该唯一标识信息与该支付外服务请求发送给支付机构服务器10，从而实现通过该金融机构向支付机构请求支付外服务。
支付机构服务器10基于从该金融机构接收到的唯一标识信息，识别出该用户账户；进而基于从该金融机构接收到的支付外服务请求，为该用户账户提供相应的支付外服务。
例如：一来到中国大陆旅游的外国游客，在中国大陆滞留期间，出于便捷消费的考虑，想要通过即时通信客户端(例如微信)接受支付机构的线上快捷支付服务。在游客使用的终端(手机)上先注册一个用户账户，注册完成后，支付机构服务器会生成与该用户账户相关联的由8位数字组成的身份码，并将该身份码发送到该游客的终端(手机)上。该身份码在当天内有效且唯一。
该游客线下来到一与支付机构合作的银行处，将该身份码提供给该银行的工作人员，并向工作人员说明其要激活该身份码所关联的用户账户。根据相关法律法规，工作人员对该游客进行实名认证，验证该游客的身份信息。
实名认证通过后，工作人员通过处理银行业务的个人电脑，经由该银行的服务器，将该身份码以及账户激活请求发送给支付机构服务器。支付机构服务器接收到该身份码后，识别出该游客的用户账户；进而根据账户 激活请求激活该游客的用户账户，使得该游客的用户账户能够正常使用。
在一些实施例中，支付机构服务器或者金融机构服务器可以是独立的物理服务器，也可以是多个物理服务器构成的服务器集群或者分布式系统，还可以是提供云服务、云数据库、云计算、云函数、云存储、网络服务、云通信、中间件服务、域名服务、安全服务、CDN、以及大数据和人工智能平台等基础云计算服务的云服务器。用户端可以是智能手机、平板电脑、笔记本电脑、台式计算机、智能音箱、智能手表等，但并不局限于此。用户端以及服务器可以通过有线或无线通信方式进行直接或间接地连接，本申请实施例中不做限制。
需要说明的是，该实施例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
下面对本申请实施例的具体实施过程进行描述。需要说明的是，出于简要说明的目的，可以理解的，以下描述中的“支付机构”可以指的是“支付机构服务器”，“金融机构”可以指的是“金融机构服务器”以及“金融机构端”的结合，“用户”可以指的是“用户端”。
本申请实施例的执行主体为计算机设备，计算机设备可以为支付机构服务器。如图2所示，一种数据处理方法，包括：
步骤S410、生成与用户账户相关联的唯一标识信息，并将所述唯一标识信息发送给所述用户账户，以使所述用户账户将所述唯一标识信息提供给金融机构；
步骤S420、获取由所述金融机构发送的所述唯一标识信息以及支付外服务请求；
步骤S430、基于所述唯一标识信息识别所述用户账户，并基于所述支付外服务请求，为所述用户账户提供相应的支付外服务。
本申请实施例中，支付机构是通过金融机构间接地接收用户账户的支付外服务请求，进而为用户账户提供相应的支付外服务的。具体的，支付机构是直接根据金融机构发送的相关信息，间接地接收用户账户的支付外服务请求，进而为用户账户提供支付外服务的。这种方法使得每一次支付外服务的提供，支付机构都会得到金融机构针对此次支付外服务的实时保 障。在此基础上，用户是否办理了银行的银行卡便无需暴露给支付机构。从而使得即使是没有办理银行卡的用户，也能便捷地享受到支付机构提供的支付外服务，进而可以便捷地享受支付机构提供的支付服务。尤其是当用户是短期来某一国家旅游的外国游客，不便办理该国家的银行卡时，本申请实施例能够显著地提升该用户接受支付机构提供的支付服务以及支付外服务的便捷度。
下面对本申请实施例的具体实施过程进行详细描述。
下面具体以外国人来中国后使用中国的支付服务为例进行详细描述，但是根据下文的理解，本申请的方案同样适用于其他国家对境外用户提供支付服务的情况。
在步骤S410中，生成与用户账户相关联的唯一标识信息，并将该唯一标识信息发送给该用户账户，以使该用户账户将该唯一标识信息提供给金融机构。
本申请实施例中，在用户账户注册之后，支付机构会生成与该用户账户相关联的唯一标识信息，并将该唯一标识信息发送给该用户账户。从而当用户账户需要接受支付机构的支付外服务时，该用户账户将该唯一标识信息提供给金融机构，进而通过金融机构向支付机构请求支付外服务。
例如：一处于中国大陆的外国游客，在手机上注册了一用户账户后，支付机构生成与该用户账户相关联的唯一标识信息，并将该唯一标识信息发送到该游客的手机上。当该游客要激活该用户账户时，该游客可以线下来到一与支付机构合作的银行处，将该唯一标识信息提供给该银行。进而当该游客通过该银行的一系列认证后(例如：实名认证)，该银行可以将该唯一标识信息发送给支付机构，并向支付机构请求激活该唯一标识信息所关联的用户账户。
需要说明的是，上述示例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
在一些实施例中，唯一标识信息包括：由字符串组成的唯一身份码、由几何图形组成的唯一二维码。
本申请实施例中，支付机构所生成的唯一标识信息可以是由字符串组 成的唯一的身份码，也可以是由几何图形组成的唯一的二维码。
例如：一处于中国大陆的外国游客，在手机上注册了一用户账户后，支付机构生成与该用户账户相关联的、由8位数字组成的唯一的身份码，并将该唯一标识信息发送到该游客的手机上。从而该游客线下来到一银行后，可以将该身份码口头告知该银行的工作人员。进而该银行可以将该身份码发送给支付机构，并向支付机构请求激活该身份码所关联的用户账户。
又例如：一处于中国大陆的外国游客，在手机上注册了一用户账户后，支付机构生成与该用户账户相关联的、由几何图形组成的唯一的二维码，并将该二维码发送到该游客的手机上。从而该游客线下来到一银行后，该银行的工作人员可以通过扫描终端采集到该二维码。进而该银行可以将该二维码发送给支付机构，并向支付机构请求激活该二维码所关联的用户账户。
需要说明的是，上述示例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
在一些实施例中，预先设置更新时间点，每至该更新时间点，更新该唯一标识信息。
本申请实施例中，唯一标识信息会动态地更新。具体的，支付机构预先设置更新时间点，每至该更新时间点，便更新与用户账户相关联的唯一标识信息。例如：支付机构预先设置的更新时间点为每天的00:00。在2019年11月20日，一外国游客注册了一用户账户，支付机构在当日生成与该用户账户相关联的身份码“01234567”，“01234567”在2019年11月20日内唯一；在2019年11月21日的00:00，支付机构将与该用户账户相关联的身份码更新为“22222222”，“22222222”在2019年11月21日内唯一。
本申请实施例上述方案的优点在于，通过动态更新唯一标识信息，降低了唯一标识信息泄露的可能性，提高了用户账户的安全性。
需要说明的是，上述示例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
在步骤S420中，获取由该金融机构发送的该唯一标识信息以及支付外 服务请求。
本申请实施例中，用户账户将唯一标识信息提供给金融机构后，若该金融机构根据相关法律法规，确定该用户账户符合接受支付机构的相关服务的条件时(例如：该用户账户的用户通过该金融机构的实名认证时)，金融机构将该用户账户所提供的唯一标识信息发送给支付机构，并将该用户的支付外服务请求发送给支付机构。
例如：一外国游客注册一用户账户后，将支付机构生成的与该用户账户相关联的唯一的身份码线下提供给银行，并告知银行其要激活该身份码所关联的用户账户。银行根据相关法律法规，对该游客进行实名认证。当该游客通过实名认证后，银行将该身份码发送给支付机构，并将账户激活请求发送给支付机构。
在步骤S430中，基于该唯一标识信息识别该用户账户，并基于该支付外服务请求，为该用户账户提供相应的支付外服务。
本申请实施例中，支付机构从金融机构处获取到唯一标识信息以及支付外服务请求后，基于唯一标识信息识别出该唯一标识信息所关联的用户账户，进而基于该支付外服务请求为该用户账户提供相应的支付外服务。
例如：支付机构从银行处获取到身份码以及账户激活请求后，即可确定该身份码所关联的用户账户通过了银行的一系列认证，根据相关法律法规可以接受支付机构提供的相关服务。则支付机构根据该身份码识别出对应的用户账户，进而激活该用户账户。
下面对不同类型的支付外服务请求的情况下，本申请实施例的具体过程进行详细描述。
首先对支付外服务请求为账户激活请求的情况下，本申请实施例的具体过程进行详细描述。
在一些实施例中，该用户账户未激活，该支付外服务请求包括账户激活请求。基于该支付外服务请求，为该用户账户提供相应的支付外服务，包括：基于该账户激活请求，为该用户账户提供相应的账户激活服务。
本申请实施例中，用户账户将相关联的唯一标识信息提供给金融机构 时，用户账户尚未激活，无法完成充值、支付。这种情况下，用户账户通过金融机构，向支付机构发送账户激活请求，以请求激活该用户账户。
支付机构从金融机构处获取到唯一标识信息以及账户激活请求后，即可确定该唯一标识信息所关联的用户账户通过了金融机构的一系列认证，根据相关法律法规可以接受支付机构提供的相关服务。则支付机构根据该唯一标识信息识别出对应的用户账户，进而激活该用户账户。
在一些实施例中，本申请实施例提供的数据处理方法还包括以下技术方案：获取由该金融机构基于该用户账户对应的身份信息为该用户账户配置的用户安全等级；为该用户账户配置与该用户安全等级相匹配的账户权限。
本申请实施例中，支付机构接收到账户激活请求后，除了激活用户账户外，还会为该用户账户配置相应的账户权限，以限制该用户账户所能接受服务的范围、类型。
具体的，金融机构对用户账户完成一系列认证后，还会基于该用户账户对应的身份信息为该用户账户配置相应的用户安全等级，用以标识该用户账户的可信任程度。金融机构将配置的用户安全等级发送给支付机构，从而支付机构根据该用户安全等级，为该用户账户配置与该用户安全等级相匹配的账户权限，以限制该用户账户所能接受服务的范围、类型。
例如：预先设置一套用户安全等级标准，在该用户安全等级标准中，用户安全等级从等级1到等级3，等级越高，代表对应的用户账户的可信任程度越高。
若支付机构从金融机构获取到的用户安全等级为1，则为对应的用户账户配置100元人民币的额度的同时，不开放线上转账功能；若支付机构从金融机构获取到的用户安全等级为2，则为对应的用户账户配置500元人民币的额度的同时，不开放线上转账功能；若支付机构从金融机构获取到的用户安全等级为3，则为对应的用户账户配置1000元人民币的额度的同时，开放线上转账功能。
本申请实施例上述方案的优点在于，由金融机构配置用户安全等级，进而支付机构在此基础上进行账户权限的配置，使得支付机构能够对用户账户提供服务所可能存在的风险进行一定程度的控制。
需要说明的是，上述示例是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
下面，对支付外服务请求为账户充值请求的情况下，本申请实施例的具体过程进行详细描述。
在一些实施例中，该用户账户已激活，该支付外服务请求包括账户充值请求。基于该支付外服务请求，为该用户账户提供相应的支付外服务，包括：基于该账户充值请求，为该用户账户提供相应的账户充值服务。
本申请实施例中，用户账户将相关联的唯一标识信息提供给金融机构时，用户账户已完成激活，可以进行充值、支付。这种情况下，用户账户通过金融机构，向支付机构发送账户充值请求，以请求向该用户账户进行充值(需要说明的是，用户账户在进行支付的过程中，是不需要金融机构的介入的)。
支付机构从金融机构处获取到唯一标识信息以及账户充值请求后，即可确定该唯一标识信息所关联的用户账户通过了金融机构的一系列认证，根据相关法律法规可以接受支付机构提供的相关服务。则支付机构基于该唯一标识信息识别出对应的用户账户，进而基于账户充值请求所描述的具体充值金额向该用户账户进行充值。
例如：一外国游客注册并激活一用户账户后，将支付机构生成的与该用户账户相关联的唯一的身份码线下提供给银行，并告知银行其要向该身份码所关联的用户账户充值500元人民币。银行根据相关法律法规，对该游客进行实名认证。当该游客通过实名认证且该银行收取该游客的500元人民币或者等价的外国货币后，银行将该身份码发送给支付机构，并将账户充值请求发送给支付机构。
支付机构从银行处接收到该身份码以及该账户充值请求后，即可基于该身份码识别出该游客的用户账户；进而基于该账户充值请求，向该游客的用户账户中充值500元人民币。
需要说明的是，该实施例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
在一些实施例中，该用户账户配置有对应的账户权限。上述基于该账 户充值请求，为该用户账户提供相应的账户充值服务的步骤，可以通过以下技术方案实现：基于该账户权限，验证该账户充值请求的合法性；若所述账户充值请求合法，为所述用户账户提供相应的账户充值服务。
本申请实施例中，支付机构针对已激活的用户账户，还配置有对应的账户权限，以限制该用户账户所能接受服务的范围、类型。
支付机构从金融机构处获取到唯一标识信息以及账户充值请求后，基于该唯一标识信息识别出对应的用户账户后，并不直接基于账户充值请求所描述的具体充值金额向该用户账户进行充值，而是在基于该用户账户的账户权限验证该账户充值请求的合法性之后，再根据该账户充值请求是否合法，确定是否向该用户账户进行充值。
若该账户充值请求合法，则向该用户账户进行充值；若该账户充值请求不合法，则拒绝向该用户账户进行充值。
例如：一外国游客注册并激活一用户账户后，支付机构为该游客的用户账户配置的额度为1000元。该游客将支付机构生成的与其用户账户相关联的唯一的身份码线下提供给银行，并告知银行其要向该身份码所关联的用户账户充值500元人民币。经过一系列操作后，银行将该身份码以及比账户充值请求发送给支付机构。
支付机构从银行处接收到该身份码以及该账户充值请求后，即可基于该身份码识别出该游客的用户账户；进而根据该用户账户中当前剩余金额以及激活该用户账户时为该用户账户配置的额度，确定出该用户账户的当前剩余额度若该当前剩余额度大于500元人民币，则确定该账户充值请求合法，进而向该用户账户中充值500元人民币；若该当前剩余额度小于500元人民币，则确定该账户充值请求不合法，则拒绝向该用户账户进行充值。
本申请实施例的方案的优点在于，基于账户权限进行账户充值请求的合法性验证，提高了账户充值这一过程的安全性。
需要说明的是，该实施例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
在一些实施例中，上述为该用户账户提供相应的账户充值服务的过程，可以通过以下技术方案实现：基于该账户充值请求生成相应的充值订单，并将该充值订单发送给该金融机构；获取该金融机构对该充值订单的响应 信息；基于该响应信息，为该用户账户提供相应的账户充值服务。
本申请实施例中，采取预下单的机制进行充值。具体的，支付机构在确定账户充值请求合法后，并不直接向用户账户进行充值。而是先基于账户充值请求生成相应的充值订单，并将该充值订单发送给金融机构，使得金融机构能够基于该充值订单引导用户将待充值资金交到金融机构处即，由金融机构代支付机构收取待充值资金。
金融机构收取到待充值资金后，即完成了该充值订单；进而金融机构将充值订单完成的信息，作为对该充值订单的响应信息返回给支付机构；从而支付机构能够确定金融机构已经接收到待充值资金，进而支付机构再向用户账户中充值该待充值资金。
例如：一外国游客注册并激活一用户账户后，将支付机构生成的与该用户账户相关联的唯一的身份码线下提供给银行，并告知银行其要向该身份码所关联的用户账户充值500元人民币。银行根据相关法律法规，对该游客进行实名认证。当该游客通过实名认证后，该银行并不会立即收取该游客的500元人民币，而是先将该身份码发送给支付机构，并将账户充值请求发送给支付机构。
进而支付机构确定该账户充值请求的合法性，若支付机构确定该账户充值请求合法，则支付机构基于该账户充值请求生成相应的充值订单，并发送给银行，以指示银行收取该游客的500元人民币。
银行接收到该充值订单后，即向该游客收取500元人民币。收取成功后，银行将充值订单完成的通知返回给支付机构。支付机构接收到充值订单完成的通知后，再将500元人民币充值到该游客的用户账户中。
本申请实施例的方案的优点在于，通过预下单机制的引入，使得支付机构在确定金融机构确实代充值完成后，才会对用户账户进行充值，避免了因网络原因产生交易短款的风险。
需要说明的是，上述示例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
上述有关本申请实施例的描述中，支付机构可以不获取用户账户对应的用户身份信息，对用户账户对应的用户身份信息的处理(例如：基于用 户账户对应的用户身份信息，对用户账户进行实名认证)可以由金融机构全权负责。这种情况下，只有金融机构对用户身份信息进行的处理通过后(例如：实名认证通过后)，支付机构才会接收到金融机构发送的唯一标识信息以及支付外服务请求。可以理解的，除了金融机构会对用户账户对应的用户身份信息进行处理外，若支付机构也对用户账户对应的用户身份信息进行处理，将会进一步增强用户账户管理的安全性。
下面对支付机构也会对用户账户对应的用户身份信息进行处理的情况下，本申请实施例的具体实施过程进行详细描述。
在一些实施例中，在基于该支付外服务请求，为该用户账户提供相应的支付外服务之前，还可以执行以下技术方案：获取由该金融机构发送的该用户账户对应的用户身份信息；基于该支付外服务请求，为该用户账户提供相应的支付外服务，包括：基于该用户身份信息以及该支付外服务请求，为该用户账户提供相应的支付外服务。
本申请实施例中，支付机构还会获取由金融机构发送的用户账户对应的用户身份信息，进而基于该用户身份信息以及该支付外服务请求，为该用户账户提供相应的支付外服务。
下面对不同类型的支付外服务请求的情况下，支付机构也对用户账户对应的身份信息进行处理的实施例的具体过程进行详细描述。
首先对支付外服务请求为账户激活请求的情况下，支付机构也对用户账户对于的身份信息进行处理的实施例的具体过程进行详细描述。
在一些实施例中，该用户账户未激活，该支付外服务请求包括账户激活请求。上述基于该用户身份信息以及该支付外服务请求，为该用户账户提供相应的支付外服务的过程，可以通过以下技术方案实现：将该用户身份信息进行存储，并将该用户身份信息与该用户账户进行关联；基于该账户激活请求，为该用户账户提供相应的账户激活服务。
本申请实施例中，用户账户将相关联的唯一标识信息提供给金融机构时，用户账户尚未激活，无法完成充值、支付。这种情况下，用户账户通过金融机构，向支付机构发送账户激活请求，以请求激活该用户账户。
支付机构从金融机构处除了获取到唯一标识信息以及账户激活请求之 外，还会获取到该用户账户对应的身份信息。支付机构根据该唯一标识信息识别出对应的用户账户，进而激活该用户账户；同时，支付机构将该用户身份信息进行存储，并将该用户身份信息与该用户账户进行关联，以在后续为该用户账户提供服务时，能够在金融机构已进行的一系列认证的基础上，进一步验证该用户账户的用户身份信息。
本申请实施例的方案的优点在于，支付机构在激活用户账户时，通过存储对应的用户身份信息并与用户账户进行关联，使得后续过程中能够进一步验证该用户账户的用户身份信息，提高了对用户账户管理的安全性。
在一些实施例中，还可以执行以下技术方案：基于该用户身份信息，对该用户账户配置相应的用户安全等级；为该用户账户配置与该用户安全等级相匹配的账户权限。
本申请实施例中，支付机构从金融机构处获取到用户身份信息后，亲自对用户账户配置相应的用户安全等级，进而为用户账户配置与该用户安全等级相匹配的账户权限。
支付机构可以预先对用户身份信息所能包含的各项分支信息设置对应的分数，进而将获取到的用户身份信息所实际包含的各项分支信息对应的分数进行相加，得到获取到的用户身份信息的总分数，进而根据总分数进行用户安全等级的配置。
例如：支付机构预先对用户身份信息所必须包含的姓名信息设置20分；对必须包含的人脸信息设置20分；对必须包含的国籍信息设置10分；对必须包含的电话信息设置10分。对用户身份信息所可选包含的现住址信息设置15分；对可选包含的学历信息设置15分；对可选包含的就职信息设置10分。
若获取到的用户身份信息所包含的各项分支信息的总分数不大于60分，则对用户账户配置的用户安全等级为1；若大于60分且不大于90分，则对用户账户配置的用户安全等级为2；若等于100分，则对用户账户配置的用户安全等级为3。
需要说明的是，上述示例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
在一些实施例中，预先为该金融机构配置对应的机构安全等级。基于 该身份信息，对该用户账户配置相应的用户安全等级，包括：基于该机构安全等级以及该身份信息，为该用户账户配置相应的用户安全等级。
本申请实施例中，支付机构可以与多个金融机构合作，并对各个金融机构分别配置对应的机构安全等级。机构安全等级描述了对应的金融机构的可信任程度。
支付机构从金融机构处获取到用户身份信息后，将用户身份信息与机构安全等级相结合，对用户账户配置相应的用户安全等级。
支付机构对金融机构配置的机构安全等级可以控制在0与1之间；同时，支付机构可以预先对用户身份信息所能包含的各项分支信息设置对应的分数，进而将获取到的用户身份信息所实际包含的各项分支信息对应的分数进行相加，得到获取到的用户身份信息的总分数；从而支付机构可以将机构安全等级作为总分数的权重，与总分数相乘得到权重分数，进而根据权重分数进行用户安全等级的配置。
例如：支付机构预先对A银行配置的机构安全等级为1，对B银行配置的机构安全等级为0.8，对C证券配置的机构安全等级为0.6。若获取到的用户身份信息的权重分数不大于60分，则对用户账户配置的用户安全等级为1；若大于60分且不大于90分，则对用户账户配置的用户安全等级为2；若等于100分，则对用户账户配置的用户安全等级为3。
若支付机构从A银行获取到的用户身份信息的总分数为100分，则权重分数为(100*1)＝100分，则对对应的用户账户配置的用户安全等级为3；若支付机构从B银行获取到的用户身份信息的总分数为100分，则权重分数为(100*0.8)＝80分，则对对应的用户账户配置的用户安全等级为2；若支付机构从C证券获取到的用户身份信息的总分数为100分，则权重分数为(100*0.6)＝60分，则对对应的用户账户配置的用户安全等级为1。
本申请实施例的方案的优点在于，支付机构结合机构安全等级进行用户安全等级的配置，从而能够更精准地进行账户权限的配置。
需要说明的是，该实施例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
下面，对支付外服务请求为账户充值请求的情况下，支付机构也对用 户账户对应的身份信息进行处理的实施例的具体过程进行详细描述。
在一些实施例中，该用户账户已激活，该支付外服务请求包括账户充值请求。基于该用户身份信息以及该支付外服务请求，为该用户账户提供相应的支付外服务，包括：基于该用户身份信息以及该账户充值请求，为该用户账户提供相应的账户充值服务。
本申请实施例中，用户账户将相关联的唯一标识信息提供给金融机构时，用户账户已完成激活，可以进行充值、支付。这种情况下，用户账户通过金融机构，向支付机构发送账户充值请求，以请求向该用户账户进行充值。
支付机构从金融机构处获取到唯一标识信息、账户充值请求以及由金融机构发送的用户身份信息后，基于该唯一标识信息识别出对应的用户账户，进而基于该用户身份信息以及该账户充值请求向该用户账户进行充值。
在一些实施例中，该用户账户配置有对应的账户权限。上述基于该用户身份信息以及该账户充值请求，为该用户账户提供相应的账户充值服务的过程，可以通过以下技术方案实现：基于该用户账户已经关联的信息，验证该用户身份信息；基于该账户权限，验证该账户充值请求的合法性；若该用户身份信息通过验证，且该账户充值请求合法，为该用户账户提供相应的账户充值服务。
本申请实施例中，支付机构在为用户账户提供相应的账户充值服务之前，会根据该用户账户以及关联的信息，校验从金融机构接收到的用户身份信息；基于预先配置的账户权限，验证账户充值请求的合法性。当用户身份信息的校验通过，且账户充值请求合法时，支付机构再为该用户账户提供相应的账户充值服务。
例如：在激活一外国游客的用户账户的时候，支付机构将该游客的身份信息进行存储，将该游客的身份信息与该用户账户关联；并为该用户账户配置相应的账户权限。
该游客在该用户账户激活后，将支付机构生成的与该用户账户相关联的唯一的身份码线下提供给银行，并告知银行其要向该身份码所关联的用户账户充值500元人民币。银行根据相关法律法规，对该游客进行实名认证。银行的实名认证通过后，银行将该游客的身份码、该账户充值请求以 及刚刚实名认证的身份信息发送给支付机构。
支付机构从银行处接收到该身份码、该账户充值请求以及由金融机构实名认证的身份信息后基于该身份码识别出该游客的用户账户；进而将已存储且与该用户账户关联的身份信息与由金融机构实名认证的身份信息进行对比，校验二者是否一致；并基于账户权限，验证该账户充值请求的合法性。若二者一致且该账户充值请求合法，则支付机构向该用户账户中充值500元人民币。
本申请实施例的方案的优点在于，支付机构通过进行用户身份信息的验证以及账户充值请求合法性的验证，在这两项验证均通过后再提供账户充值服务，提高了账户充值的安全性。
需要说明的是，该实施例只是示例性的说明，不应对本申请的功能和使用范围造成限制。
在一些实施例中，上述为该用户账户提供相应的账户充值服务的过程，可以通过以下技术方案实现：基于该账户充值请求生成相应的充值订单，并将该充值订单发送给该金融机构；获取该金融机构对该充值订单的响应信息；基于该响应信息，为该用户账户提供相应的账户充值服务。
本申请实施例中，采取预下单的机制进行充值。可以理解的，该实施例的具体实施过程与上述支付机构不对用户账户对应的用户身份信息进行处理的情况下的预下单实施例的具体实施过程同理，故在此不再赘述。
下面参考图3至图7对本申请实施例中用户在接受支付机构所提供的支付外服务时的终端界面进行示例性展示。
图3示出了本申请实施例中用户通过小程序注册账户时的引导界面。该实施例中，用户打开手机中客户端的小程序，注册账户。在引导界面，显示出图3示出的引导信息，以引导用户进行注册，进而获取身份码，进而前往银行，支付现金完成充值。
图4示出了本申请实施例中用户通过小程序注册用户账户时的注册界面。本申请实施例中，用户根据注册界面显示的内容，相应补充各项注册信息证件类型、姓名以及证件号。补充完成后，点击“确认提交”按钮后，即完成注册信息的提交。
图5示出了本申请实施例中用户通过小程序注册用户账户完毕后，获取到身份码的引导界面。该实施例中，用户提交注册信息，完成注册后，在小程序中的引导界面接收到唯一的由8位数字组成的身份码；同时，该引导界面还在地图中示出了用户能够前往进行充值的银行网点，以引导用户前往地图中示出的银行网点进行充值。
在该引导界面中，用户若点击“额度查询”按钮，该引导界面还会显示出右边示出的额度信息，以告知用户其可以通过银行向用户账户充值的额度。
图6示出了本申请实施例中用户激活用户账户并完成充值后，在用户账户中的零钱明细页界面。该实施例中，用户前往银行激活用户账户并充值1元人民币后，点击进入该用户的用户账户的零钱明细，首先展示出的是零钱充值、零钱支付的列表；点击图6左边示出的虚线部分后，进入右边示出的零钱充值的详细界面类型、时间、交易单号、余额以及备注。
图7示出了本申请实施例中用户激活用户账户并完成充值后，在用户账户中的账单详情页界面。该实施例中，用户前往银行激活用户账户并充值1元人民币后，点击进入该用户的用户账户的账单明细，首先展示出的是当月的账单列表；点击图7左边示出的虚线部分后，进入右边示出的账单详情的详细界面当前状态、充值时间、支付方式以及交易单号。
需要说明的是，图3至图7所对应的实施例只是示例性的说明，不应对本申请实施例的功能和使用范围造成限制。
图8示出了本申请实施例中用户通过即时通信客户端(例如微信)中的小程序完成用户账户激活的流程图。需要说明的是，openid是一段唯一的、小程序识别用户账户时所主要使用的标识信息；单位识别码(uin，Unit Identification Number)是一段唯一的、支付机构识别用户账户时所主要使用的标识信息；身份码、对应的openid以及对应的uin相互映射关联。未激活的用户账户只被小程序临时感知，不被支付机构所感知，这种情况下，微信中也就不存在该用户账户对应的uin，支付机构中也就不存在对应的用户账户。由于用户是在银行中完成用户账户激活的，出于简要展示的目的，图8中将“用户”与“银行”合并展示为“银行”。
本申请实施例中，用户在小程序完成用户账户的注册后，小程序根据注册时生成的openid，生成与openid相关联的身份码。用户将身份码提供给银行，并完成实名认证后，银行将证件号码、姓名、充值金额、身份码发送给小程序；小程序根据身份码查找到对应的openid，进而根据openid，向微信查询账户对应的uin；得到微信的反馈后，再根据openid，向支付机构查询账户是否已实名。
若微信反馈账户对应的uin不存在，支付机构反馈账户未实名，则小程序根据openid，调微信的开户接口，以激活该账户；微信生成对应的uin，进而根据uin调支付机构的开户接口；支付机构创建用户账户，新增实名认证渠道类型(authen_channel_state)、实名认证状态类型(authen_state)这两个参数，若根据这两个参数确认在特定认证渠道、该用户账户的实名认证通过，则将该用户账户设置为三类户，从而激活该用户账户。其中，实名认证渠道类型主要描述实名认证的认证渠道(例如：是由银行机构认证的，还是由证券机构认证的)；实名认证状态类型主要描述实名认证是否通过。
若微信反馈对应的uin，支付机构反馈账户已实名，则小程序将uin、姓名以及证件号传入支付机构；支付机构根据接收到的uin、姓名以及证件号，验证接收到的身份信息与对应用户账户已关联的身份信息是否一致，进而向小程序返回结果，从而激活该用户账户。
激活完成后，用户可以在微信中设置支付密码，完成用户账户的设置。
需要说明的是，上述示例只是示例性的说明，不应对本申请的功能和使用范围造成限制。
图9示出了本申请实施例中引入预下单机制的用户账户充值的流程图。
本申请实施例中，用户来到银行，将身份信息、身份码提供给银行，进行线下充值；银行将对应的充值信息、接收到的身份信息以及身份码发送给小程序；小程序校验身份信息后，将身份码转化为uin，进而将充值信息以及uin发送给支付机构。
支付机构根据uin识别用户账户；进而校验充值信息；校验通过后，生成订单号，进而将订单号返回给银行。
银行根据接收到的订单号，处理该充值收取用户的待充值资金。充值成功后，银行将银行充值成功的通知发送给支付机构，同时附带上订单号。
支付机构接收到银行充值成功的通知后，对该用户的用户账户进行充值，并向小程序返回支付机构充值成功的通知，向银行返回支付机构充值成功的通知，向用户返回支付机构充值成功的通知。
需要说明的是，上述示例只是示例性的说明，不应对本申请的功能和使用范围造成限制。
图10示出了本申请实施例中用户对用户账户中的余额发起换汇的流程图。
本申请实施例中，用户要将用户账户中的余额进行换汇。具体的，用户向换汇商户发起换汇交易；进而换汇商户向微信进行下单；微信拉起换汇交易用的收银台，从而用户通过该收银台，支付用户账户中的余额，以将该余额进行换汇；支付机构完成换汇交易的处理后，向换汇商户返回换汇成功的通知，向用户返回换汇成功的通知；微信也向换汇商户返回换汇成功的通知。从而用户能够从换汇商户拿到将用户账户中的余额换汇后的现金。
需要说明的是，上述示例只是示例性的说明，不应对本申请的功能和使用范围造成限制。
根据本申请实施例，如图11所示，还提供了一种数据处理装置，所述数据处理装置可以是运行于计算机设备中的一个计算机程序(包括程序代码)，例如该数据处理装置为一个应用软件；该装置可以用于执行本申请实施例提供的方法中的相应步骤。所述装置包括：生成模块510，配置为生成与用户账户相关联的唯一标识信息，并将所述唯一标识信息发送给所述用户账户，以使所述用户账户将所述唯一标识信息提供给金融机构；获取模块520，配置为获取所述唯一标识信息以及支付外服务请求；服务提供模块530，配置为识别所述用户账户，并基于所述支付外服务请求，为所述用户账户提供相应的支付外服务。
在本申请实施例中，所述用户账户未激活，所述支付外服务请求包括 账户激活请求，所述装置配置为：基于所述账户激活请求，为所述用户账户提供相应的账户激活服务。
在本申请实施例中，所述装置配置为：获取由所述金融机构基于所述用户账户对应的身份信息为所述用户账户配置的用户安全等级；为所述用户账户配置与所述用户安全等级相匹配的账户权限。
在本申请实施例中，所述用户账户配置有对应的账户权限；所述装置配置为：基于所述账户权限，验证所述账户充值请求的合法性；若所述账户充值请求合法，为所述用户账户提供相应的账户充值服务。
在本申请实施例中，所述装置配置为：基于所述账户充值请求生成相应的充值订单，并将所述充值订单发送给所述金融机构；获取所述金融机构对所述充值订单的响应信息；基于所述响应信息，为所述用户账户提供相应的账户充值服务。
在本申请实施例中，所述装置配置为：获取由所述金融机构发送的所述用户账户对应的用户身份信息；基于所述用户身份信息以及所述支付外服务请求，为所述用户账户提供相应的支付外服务。
在本申请实施例中，所述用户账户未激活，所述支付外服务请求包括账户激活请求，所述装置配置为：将所述用户身份信息进行存储，并将所述用户身份信息与所述用户账户进行关联；基于所述账户激活请求，为所述用户账户提供相应的账户激活服务。
在本申请实施例中，所述装置配置为：基于所述用户身份信息，对所述用户账户配置相应的用户安全等级；为所述用户账户配置与所述用户安全等级相匹配的账户权限。
在本申请实施例中，预先为所述金融机构配置对应的机构安全等级；所述装置配置为：基于所述机构安全等级以及所述身份信息，为所述用户账户配置相应的用户安全等级。
在本申请实施例中，所述用户账户已激活，所述支付外服务请求包括账户充值请求，所述装置配置为：基于所述用户身份信息以及所述账户充值请求，为所述用户账户提供相应的账户充值服务。
在本申请实施例中，所述用户账户配置有对应的账户权限；所述装置配置为：基于所述用户账户已经关联的信息，验证所述用户身份信息；基 于所述账户权限，验证所述账户充值请求的合法性；若所述用户身份信息通过验证，且所述账户充值请求合法，为所述用户账户提供相应的账户充值服务。
在本申请实施例中，所述装置配置为：基于所述账户充值请求生成相应的充值订单，并将所述充值订单发送给所述金融机构；获取所述金融机构对所述充值订单的响应信息；基于所述响应信息，为所述用户账户提供相应的账户充值服务。
下面参考图12来描述根据本申请实施例的数据处理电子设备60。图12显示的数据处理电子设备60仅仅是一个示例，不应对本申请实施例的功能和使用范围带来任何限制。
如图12所示，数据处理电子设备60以通用计算设备的形式表现。数据处理电子设备60的组件可以包括但不限于：上述至少一个处理单元610、上述至少一个存储单元620、连接不同系统组件(包括存储单元620和处理单元610)的总线630。
其中，所述存储单元存储有程序代码，所述程序代码可以被所述处理单元610执行，使得所述处理单元610执行本说明书上述示例性方法的描述部分中描述的根据本发明各种示例性实施方式的步骤。例如，所述处理单元610可以执行如图2中所示的各个步骤。
存储单元620可以包括易失性存储单元形式的可读介质，例如随机存取存储单元(RAM)6201和/或高速缓存存储单元6202，还可以进一步包括只读存储单元(ROM)6203。
存储单元620还可以包括具有一组(至少一个)程序模块6205的程序/实用工具6204，这样的程序模块6205包括但不限于：操作系统、一个或者多个应用程序、其它程序模块以及程序数据，这些示例中的每一个或某种组合中可能包括网络环境的实现。
总线630可以为表示几类总线结构中的一种或多种，包括存储单元总线或者存储单元控制器、外围总线、图形加速端口、处理单元或者使用多种总线结构中的任意总线结构的局域总线。
数据处理电子设备60也可以与一个或多个外部设备700(例如键盘、 指向设备、蓝牙设备等)通信，还可与一个或者多个使得用户能与该数据处理电子设备60交互的设备通信，和/或与使得该数据处理电子设备60能与一个或多个其它计算设备进行通信的任何设备(例如路由器、调制解调器等等)通信。这种通信可以通过输入/输出(I/O)接口650进行。输入/输出(I/O)接口650与显示单元640相连。并且，数据处理电子设备60还可以通过网络适配器660与一个或者多个网络(例如局域网(LAN)，广域网(WAN)和/或公共网络，例如因特网)通信。如图所示，网络适配器660通过总线630与数据处理电子设备60的其它模块通信。应当明白，尽管图中未示出，可以结合数据处理电子设备60使用其它硬件和/或软件模块，包括但不限于：微代码、设备控制器、冗余处理单元、外部磁盘控制阵列、RAID系统、磁带控制器以及数据备份存储系统等。
通过以上的实施方式的描述，本领域的技术人员易于理解，这里描述的示例实施方式可以通过软件实现，也可以通过软件结合必要的硬件的方式来实现。因此，根据本申请实施方式的技术方案可以以软件产品的形式体现出来，该软件产品可以存储在一个非易失性计算机可读存储介质(可以是CD-ROM，U盘，移动硬盘等)中或网络上，包括若干指令以使得一台计算设备(可以是个人计算机、服务器、终端装置、或者网络设备等)执行根据本申请实施方式的方法。
在本申请的示例性实施例中，还提供了一种计算机可读存储介质，其上存储有计算机可读指令，当所述计算机可读指令被计算机的处理器执行时，使计算机执行上述方法实施例部分描述的方法。作为示例，计算机可读指令可被部署为在一个计算设备上执行，或者在位于一个地点的多个计算设备上执行，又或者，在分布在多个地点且通过通信网络互连的多个计算设备上执行，分布在多个地点且通过通信网络互连的多个计算设备可以组成区块链系统。
根据本申请的一个实施例，还提供了一种用于实现上述方法实施例中的方法的程序产品，其可以采用便携式紧凑盘只读存储器(CD-ROM)并包括程序代码，并可以在终端设备，例如个人电脑上运行。然而，本发明的程序产品不限于此，在本文件中，计算机可读存储介质可以是任何包含或存 储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。
所述程序产品可以采用一个或多个可读介质的任意组合。可读介质可以是可读信号介质或者计算机可读存储介质。计算机可读存储介质例如可以为但不限于电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子(非穷举的列表)包括：具有一个或多个导线的电连接、便携式盘、硬盘、随机存取存储器(RGM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。
计算机可读信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了可读程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。可读信号介质还可以是计算机可读存储介质以外的任何可读介质，该可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。
可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于无线、有线、光缆、RF等等，或者上述的任意合适的组合。
可以以一种或多种程序设计语言的任意组合来编写用于执行本发明操作的程序代码，所述程序设计语言包括面向对象的程序设计语言—诸如JAVA、C++等，还包括常规的过程式程序设计语言—诸如“C”语言或类似的程序设计语言。程序代码可以完全地在用户计算设备上执行、部分地在用户设备上执行、作为一个独立的软件包执行、部分在用户计算设备上部分在远程计算设备上执行、或者完全在远程计算设备或服务器上执行。在涉及远程计算设备的情形中，远程计算设备可以通过任意种类的网络，包括局域网(KGN)或广域网(WGN)，连接到用户计算设备，或者，可以连接到外部计算设备(例如利用因特网服务提供商来通过因特网连接)。
应当注意，尽管在上文详细描述中提及了用于动作执行的设备的若干模块或者单元，但是这种划分并非强制性的。实际上，根据本申请的实施方式，上文描述的两个或更多模块或者单元的特征和功能可以在一个模块 或者单元中具体化。反之，上文描述的一个模块或者单元的特征和功能可以进一步划分为由多个模块或者单元来具体化。
此外，尽管在附图中以特定顺序描述了本申请中方法的各个步骤，但是，这并非要求或者暗示必须按照该特定顺序来执行这些步骤，或是必须执行全部所示的步骤才能实现期望的结果。附加的或备选的，可以省略某些步骤，将多个步骤合并为一个步骤执行，以及/或者将一个步骤分解为多个步骤执行等。
通过以上的实施方式的描述，本领域的技术人员易于理解，这里描述的示例实施方式可以通过软件实现，也可以通过软件结合必要的硬件的方式来实现。因此，根据本申请实施方式的技术方案可以以软件产品的形式体现出来，该软件产品可以存储在一个非易失性计算机可读存储介质(可以是CD-ROM，U盘，移动硬盘等)中或网络上，包括若干指令以使得一台计算设备(可以是个人计算机、服务器、移动终端、或者网络设备等)执行根据本申请实施方式的方法。
本领域技术人员在考虑说明书及实践这里公开的发明后，将容易想到本申请的其它实施方案。本申请旨在涵盖本申请的任何变型、用途或者适应性变化，这些变型、用途或者适应性变化遵循本申请的一般性原理并包括本申请未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的，本申请的真正范围和精神由所附的权利要求指出。

Claims (16)

  1. 一种数据处理方法，所述方法由电子设备执行，所述方法包括：
    生成与用户账户相关联的唯一标识信息；
    将所述唯一标识信息发送给所述用户账户，以使所述用户账户将所述唯一标识信息提供给金融机构；
    获取由所述金融机构发送的所述唯一标识信息以及支付外服务请求；
    基于所述唯一标识信息识别所述用户账户，并基于所述支付外服务请求，为所述用户账户提供相应的支付外服务。
  2. 根据权利要求1所述的方法，其中，当所述用户账户未激活时，所述支付外服务请求包括账户激活请求，
    所述基于所述支付外服务请求，为所述用户账户提供相应的支付外服务，包括：基于所述账户激活请求，为所述用户账户提供相应的账户激活服务。
  3. 根据权利要求2所述的方法，其中，所述方法还包括：
    获取所述用户账号的用户安全等级；
    其中，所述用户安全等级是由所述金融机构基于所述用户账户对应的身份信息为所述用户账户配置的；
    为所述用户账户配置与所述用户安全等级相匹配的账户权限。
  4. 根据权利要求1所述的方法，其中，当所述用户账户已激活时，所述支付外服务请求包括账户充值请求，
    所述基于所述支付外服务请求，为所述用户账户提供相应的支付外服务，包括：基于所述账户充值请求，为所述用户账户提供相应的账户充值服务。
  5. 根据权利要求4所述的方法，其中，所述用户账户配置有对应的账户权限；
    所述基于所述账户充值请求，为所述用户账户提供相应的账户充值服务，包括：
    基于所述账户权限，验证所述账户充值请求的合法性；
    当所述账户充值请求合法时，为所述用户账户提供相应的账户充值服务。
  6. 根据权利要求5所述的方法，其中，所述为所述用户账户提供相应的账户充值服务，包括：
    基于所述账户充值请求生成相应的充值订单，并将所述充值订单发送给所述金融机构；
    获取所述金融机构对所述充值订单的响应信息；
    基于所述响应信息，为所述用户账户提供相应的账户充值服务。
  7. 根据权利要求1所述的方法，其中，在基于所述支付外服务请求，为所述用户账户提供相应的支付外服务之前，所述方法还包括：
    获取由所述金融机构发送的所述用户账户对应的用户身份信息；
    所述基于所述支付外服务请求，为所述用户账户提供相应的支付外服务，包括：
    基于所述用户身份信息以及所述支付外服务请求，为所述用户账户提供相应的支付外服务。
  8. 根据权利要求7所述的方法，其中，当所述用户账户未激活时，所述支付外服务请求包括账户激活请求，
    所述基于所述用户身份信息以及所述支付外服务请求，为所述用户账户提供相应的支付外服务，包括：
    将所述用户身份信息进行存储，并将所述用户身份信息与所述用户账户进行关联；
    基于所述账户激活请求，为所述用户账户提供相应的账户激活服务。
  9. 根据权利要求8所述的方法，其中，所述方法还包括：
    基于所述用户身份信息，对所述用户账户配置相应的用户安全等级；
    为所述用户账户配置与所述用户安全等级相匹配的账户权限。
  10. 根据权利要求9所述的方法，其中，机构安全等级是预先为所述金融机构对应配置的；
    所述基于所述用户身份信息，对所述用户账户配置相应的用户安全等级，包括：基于所述机构安全等级以及所述身份信息，为所述用户账户配置相应的用户安全等级。
  11. 根据权利要求7所述的方法，其中，当所述用户账户已激活时，所述支付外服务请求包括账户充值请求，
    所述基于所述用户身份信息以及所述支付外服务请求，为所述用户账户提供相应的支付外服务，包括：基于所述用户身份信息以及所述账户充值请求，为所述用户账户提供相应的账户充值服务。
  12. 根据权利要求11所述的方法，其中，所述用户账户配置有对应的账户权限；
    所述基于所述用户身份信息以及所述账户充值请求，为所述用户账户提供相应的账户充值服务，包括：
    基于所述用户账户已经关联的信息，验证所述用户身份信息；
    基于所述账户权限，验证所述账户充值请求的合法性；
    当所述用户身份信息通过验证，且所述账户充值请求合法时，为所述用户账户提供相应的账户充值服务。
  13. 根据权利要求12所述的方法，其中，所述为所述用户账户提供相应的账户充值服务，包括：
    基于所述账户充值请求生成相应的充值订单，并将所述充值订单发送给所述金融机构；
    获取所述金融机构对所述充值订单的响应信息；
    基于所述响应信息，为所述用户账户提供相应的账户充值服务。
  14. 一种数据处理装置，所述装置包括：
    生成模块，配置为生成与用户账户相关联的唯一标识信息，并将所述唯一标识信息发送给所述用户账户，以使所述用户账户将所述唯一标识信息提供给金融机构；
    获取模块，配置为获取所述唯一标识信息以及支付外服务请求；
    服务提供模块，配置为识别所述用户账户，并基于所述支付外服务请求，为所述用户账户提供相应的支付外服务。
  15. 一种数据处理电子设备，包括：
    存储器，存储有计算机可读指令；
    处理器，读取存储器存储的计算机可读指令，以执行权利要求1-13中的任一项所述的数据处理方法。
  16. 一种计算机可读存储介质，存储有可执行指令，用于被处理器执行时，实现权利要求1至13任一项所述的数据处理方法。
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