CN104021628B - Data processing method and device - Google Patents
Data processing method and device Download PDFInfo
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- CN104021628B CN104021628B CN201410282951.2A CN201410282951A CN104021628B CN 104021628 B CN104021628 B CN 104021628B CN 201410282951 A CN201410282951 A CN 201410282951A CN 104021628 B CN104021628 B CN 104021628B
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Abstract
The present invention provides a kind of data processing method and device, by obtaining terminal iidentification, after card mark and the first number, in each account associated with the card mark, target account is determined according to the terminal iidentification, if the remaining sum of target account is not less than the first number, then the remaining sum of target account is updated according to the first number, as the card for having preset Payment Card is identified and for the incidence relation between the target account for specifying the terminal of trade company to be paid, solve the single technical problem of payment card functions of the prior art, avoid prepaid card and bank card that consumer carries each trade company, improve the convenient degree of payment.
Description
Technical field
The present invention relates to information technology, more particularly to a kind of data processing method and device.
Background technology
With the continuous development of information technology, the cashless payment mode of various employing Payment Cards also emerges in an endless stream.Except
This Payment Card of bank card for generally adopting paid by the way of beyond, can also adopt another kind of Payment Card be what trade company issued
Prepaid card is paid.Wherein, the use process of prepaid card is：Consumer pre-pays the cash of certain number in trade company, is somebody's turn to do
The prepaid card of trade company's distribution, when the trade company is traded, you can not only being stuck in advance payment by this in cash carries out propping up
Pay.
From paid using bank card by the way of it is different, the prepaid card of each trade company distribution can only be used to enter in itself trade company
Row pays, when the prepaid card for not having trade company to be issued, in addition it is also necessary to paid using bank card, therefore, it is of the prior art
There is single function in various Payment Cards, cause consumer generally to need to carry prepaid card and the bank of each trade company
Card, it is not convenient to pay.
The content of the invention
The present invention provides a kind of data processing method and device, the skill single for solving payment card functions in prior art
Art problem.
It is an aspect of the invention to provide a kind of data processing method, including：
Obtain terminal iidentification, card mark and the first number；
In each account associated with the card mark, target account is determined according to the terminal iidentification；The target account
Family is designated the terminal iidentification；
If the remaining sum of the target account is not less than first number, according to first number to the target account
The remaining sum at family is updated.
Another aspect of the present invention is to provide a kind of data processing equipment, including：
Module is obtained, for obtaining terminal iidentification, card mark and the first number；
Determining module, for, in each account associated with the card mark, determining target account according to the terminal iidentification
Family；The target account is designated the terminal iidentification；
First update module, if the remaining sum for the target account is not less than first number, according to described the
One number is updated to the remaining sum of the target account.
Data processing method and device that the present invention is provided, after obtaining terminal iidentification, card mark and the first number,
In each account associated with the card mark, target account is determined according to the terminal iidentification, if the remaining sum of target account is not less than
First number, then be updated to the remaining sum of target account according to the first number, as the card for having preset Payment Card is identified
With for the incidence relation between the target account for specifying the terminal of trade company to be paid, payment of the prior art is solved
The technical problem of card single function, it is to avoid consumer carries the prepaid card and bank card of each trade company, improves payment just
Prompt degree.
Description of the drawings
A kind of schematic flow sheet of data processing method that Fig. 1 is provided for one embodiment of the invention；
A kind of schematic flow sheet of data processing method that Fig. 2 is provided for another embodiment of the present invention；
A kind of structural representation of data processing equipment that Fig. 3 is provided for one embodiment of the invention；
A kind of structural representation of data processing equipment that Fig. 4 is provided for another embodiment of the present invention.
Specific embodiment
A kind of schematic flow sheet of data processing method that Fig. 1 is provided for one embodiment of the invention, the present embodiment are provided
Method can be performed by server, as shown in figure 1, including：
101st, terminal iidentification, card mark and the first number are obtained.
Wherein, the number that the first number is reduced for needed for the remaining sum in the terminal-pair Payment Card of trade company；Terminal iidentification, is business
The mark of the terminal at family；Card mark, is the mark of Payment Card.
Optionally, receive and reduce request, described reducing asks to include the card mark, the terminal iidentification and described first
Number；The terminal iidentification, card mark and first number are obtained in request from described reducing.
Or, optionally, receiving batch and reduce request, the batch reduces request includes the card list, the terminal
Mark and first number；The card list includes the card mark；Reduce in request from the batch and obtain the terminal
Mark, the card mark and first number.
102nd, in each account associated with the card mark, target account is determined according to the terminal iidentification.
Wherein, there is corresponding relation between the mark of the target account and the terminal iidentification.The target account, with
Card mark association, for the account reduced to the remaining sum of Payment Card by the merchant tenninal.
Optionally, in each account associated with the card mark, according to right between the mark and terminal iidentification of account
Should be related to, determine the corresponding target account of the terminal.
Further, before 102, receive in advance and update request, wherein, it is described to update request for indicating according to the second number
Volume is updated to the remaining sum of the target account；The remaining sum and the second number sum of the target account are calculated, is obtained
Second total value；It is second total value by the balance updates of the target account.
It should be noted that when the preset strategy can be that account is set objectives in Payment Card, from multiple optional strategies
In hold the selected strategy of user of the Payment Card.For example：When the strategy selected returns 100 for full 500, if then the second number
Volume is more than 500, then calculate the remaining sum and the second number sum of the target account, obtains the second total value, further, will
In 100 remaining sums for increasing to preassigned reward account, generally, the reward account is different from target account.
If the 103, the remaining sum of the target account is not less than first number, according to first number to the mesh
The remaining sum of mark account is updated.
Further, if the remaining sum of the target account is less than first number, by the remaining sum in the target account
Reduce into signing account, and the difference in the payment account that will be associated with the Payment Card is reduced into signing account；Institute
State the difference that difference is first number and the remaining sum of the target account；The payment account includes current account.Wherein, sign
About account is the account associated with the terminal iidentification, due to the entitled trade company that opens an account of the signing account, therefore, it is also denoted as business
The signing account at family.
More further, when the establishing time of the target account exceedes the default consumption time limit, by the target account
Remaining sum reduce to signing account in.As, in prior art, prepaid card when in use, needs consumer to pre-pay necessarily in trade company
The cash of number, after obtaining prepaid card, could be traded in the trade company, due to often occurring in terms of the trade company to
Consumer brings loss, therefore, prepaid card safety in utilization is poor, in the present embodiment, by setting in the Payment Card of consumer
Vertical target account, just reduces the remaining sum in target account to described only when being consumed and more than the default consumption time limit
In the signing account of trade company, that is to say, that now trade company can obtain the corresponding amount of money, prepaid card is this improves using peace
Quan Xing.
In the present embodiment, after obtaining terminal iidentification, card mark and the first number, each with what the card mark was associated
In account, target account is determined according to the terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number
Volume is updated to the remaining sum of target account, as the card for having preset Payment Card is identified and in the terminal for specifying trade company
Incidence relation between the target account for being paid, solves the single technical problem of payment card functions of the prior art,
Prepaid card and bank card that consumer carries each trade company are avoided, the convenient degree of payment is improve.
A kind of schematic flow sheet of data processing method that Fig. 2 is provided for another embodiment of the present invention, the present embodiment are carried
For method can be performed by server, as shown in Fig. 2 including：
201st, receive and update request.
Wherein, the remaining sum of the target account is updated according to the second number.Target account, is associated with card mark,
It is the account for specifying the remaining sum of the terminal-pair Payment Card of trade company to be reduced.
Optionally, it is when consumer needs to supplement target account with money, right by all kinds of means in sales counter or Web bank etc.
Target account carries out supplementing operation with money, when counter terminal or online banking service device perform this supplements operation with money, sends the renewal
Request, so as to the step of server execution receives the renewal asks.
Or, optionally, when consumer obtain trade company accreditation, using different from set objectives account Payment Card its
After his Payment Card is paid, the remaining sum of target account can be updated by sales counter or merchant tenninal, work as counter terminal
Or online banking service device is when performing the renewal and operating, sends the renewal and ask, so as to server perform receive the renewal please
The step of asking, the remaining sum of target account reduced the payment amount carried out using other Payment Cards, and by the payment amount
Increase in the remaining sum of above-mentioned other Payment Cards.
202nd, according to request is updated, the remaining sum of target account is updated.
Wherein, update request for indicating the remaining sum of the target account to be updated according to the second number.
Optionally, increase in the remaining sum of the target account and update indicated second number of request.
203rd, receive and reduce request.
Wherein, reducing request includes the card mark, the terminal iidentification and first number.
Optionally, when consumer is consumed in trade company, paid using Payment Card, after merchant tenninal is swiped the card, read
Card taking is identified.Generated according to card mark, the terminal iidentification and the first number to be paid and reduce request, and sent this and reduce and ask
Ask.
204th, in each account associated with the card mark, target account is determined according to the terminal iidentification.
Optionally, in a Payment Card, there can be multiple accounts, reception is dealt into when reducing request, according to reducing request
In card mark and the terminal iidentification, with reduce in each account that the card mark that request indicates associate, inquiry acquisition
Target account.There is corresponding relation between the mark of the target account and the terminal iidentification.
205th, judge that the remaining sum of target account, whether not less than the first number reduced in request, if so, then performs 206,
207 are performed otherwise.
If the 206, the remaining sum of the target account is not less than first number, according to first number to the mesh
The remaining sum of mark account is updated.
Optionally, if the remaining sum of the target account is not less than first number, by the institute in the target account
State the first number to reduce into the signing account of the transaction terminal.Specifically, calculate the remaining sum of the target account with it is described
The difference of the first number, obtain difference, by the balance updates of the target account be the difference, it is then determined that with the terminal mark
Know the signing account of association, calculate the remaining sum and the first number sum of the signing account, obtain the first total value, will be described
The balance updates of signing account are first total value, optionally, are being described first by the balance updates of the signing account
After total value, deduct a commission during the remaining sum from after renewal can also be included.
If the 207, the remaining sum of the target account is less than first number, by the balance updates in the target account
It is zero, in each account associated with the card mark, determines payment account, the remaining sum of the payment account is entered according to difference
Row updates.
Wherein, difference is the difference of first number and the remaining sum of the target account；The payment account includes special
At least one of account and current account.
Optionally, when payment account includes specified account and current account etc., priority can be set up to these payment accounts,
According to the height of priority, reduced successively, such as when current account priority is higher than specified account, by the target
After remaining sum in account is reduced into the signing account of the trade company, preferentially difference is paid using current account, if
Sorry, your ticket has not enough value for current account, it is impossible to which whole difference are paid, then so that using specified account to current account in difference not
Part payment is paid.
In the present embodiment, after obtaining terminal iidentification, card mark and the first number, each with what the card mark was associated
In account, target account is determined according to the terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number
Volume is updated to the remaining sum of target account, as the card for having preset Payment Card is identified and in the terminal for specifying trade company
Incidence relation between the target account for being paid, solves the single technical problem of payment card functions of the prior art,
Prepaid card and bank card that consumer carries each trade company are avoided, the convenient degree of payment is improve.
A kind of structural representation of data processing equipment that Fig. 3 is provided for one embodiment of the invention, as shown in figure 3, including：
Obtain module 31, determining module 32 and the first update module 33.
Module 31 is obtained, for obtaining terminal iidentification, card mark and the first number.
Wherein, the first number is used for the number for indicating to reduce needed for the remaining sum of the terminal-pair Payment Card of trade company.
Optionally, module 31 being obtained, request being reduced specifically for receiving, described reducing asks to include the card mark, institute
State terminal iidentification and first number；The terminal iidentification, card mark and described the are obtained in request from described reducing
One number.
Or it is optional, module 31 is obtained, and request is reduced specifically for receiving batch, the batch reduces request includes institute
State card list, the terminal iidentification and first number；The card list includes the card mark；Reducing from the batch please
Ask middle and obtain the terminal iidentification, card mark and first number.
Determining module 32, is connected with module 31 is obtained, in each account associated with the card mark, according to described
Terminal iidentification determines target account.
Wherein, there is corresponding relation between the mark of the target account and the terminal iidentification, be for specifying trade company
Terminal-pair Payment Card the account reduced of remaining sum.
First update module 33, is connected with determining module 32, if for the target account remaining sum not less than described the
One number, then be updated to the remaining sum of the target account according to first number.
First update module 33, specifically for calculating the remaining sum of the target account and the difference of first number,
Obtain difference；It is the difference by the balance updates of the target account.
Further, if the first update module 33 is additionally operable to the remaining sum of the target account less than first number, will
Balance updates in the target account are zero, in each account associated with the card mark, determine payment account, according to difference
Volume is updated to the remaining sum of the payment account.Wherein, difference be first number with the remaining sum of the target account it
Difference；The payment account includes at least one of specified account and current account.
In the present embodiment, after obtaining terminal iidentification, card mark and the first number, each with what the card mark was associated
In account, target account is determined according to the terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number
Volume is updated to the remaining sum of target account, as the card for having preset Payment Card is identified and in the terminal for specifying trade company
Incidence relation between the target account for being paid, solves the single technical problem of payment card functions of the prior art,
Prepaid card and bank card that consumer carries each trade company are avoided, the convenient degree of payment is improve.
A kind of structural representation of data processing equipment that Fig. 4 is provided for another embodiment of the present invention, as shown in figure 4,
On the basis of a upper embodiment, the data processing equipment in the present embodiment is further included：Second update module 41.
Second update module 41, is connected with determining module 32, for determining the signing account associated with the terminal iidentification；
The remaining sum and the first number sum of the signing account are calculated, the first total value is obtained；By the remaining sum of the signing account more
It is newly first total value.
Based on module 31 is obtained, it is additionally operable to receive update and asks, it is described to update request for indicating according to the second number pair
The remaining sum of the target account is updated.
Then the device in the present embodiment, also includes：
3rd update module 42, is connected with based on obtaining module 31 and determining module 32, for calculating the target account
Remaining sum and the second number sum, obtain the second total value；It is second total value by the balance updates of the target account.
In the present embodiment, after obtaining terminal iidentification, card mark and the first number, each with what the card mark was associated
In account, target account is determined according to the terminal iidentification, if the remaining sum of target account is not less than the first number, according to the first number
Volume is updated to the remaining sum of target account, as the card for having preset Payment Card is identified and in the terminal for specifying trade company
Incidence relation between the target account for being paid, solves the single technical problem of payment card functions of the prior art,
Prepaid card and bank card that consumer carries each trade company are avoided, the convenient degree of payment is improve.
One of ordinary skill in the art will appreciate that：Realize that all or part of step of above-mentioned each method embodiment can be led to
Cross the related hardware of programmed instruction to complete.Aforesaid program can be stored in a computer read/write memory medium.The journey
Sequence upon execution, performs the step of including above-mentioned each method embodiment；And aforesaid storage medium includes：ROM, RAM, magnetic disc or
Person's CD etc. is various can be with the medium of store program codes.
Finally it should be noted that：Various embodiments above only to illustrate technical scheme, rather than a limitation；To the greatest extent
Pipe has been described in detail to the present invention with reference to foregoing embodiments, it will be understood by those within the art that：Its according to
So the technical scheme described in foregoing embodiments can be modified, or which part or all technical characteristic are entered
Row equivalent；And these modifications or replacement, do not make the essence of appropriate technical solution depart from various embodiments of the present invention technology
The scope of scheme.
Claims (10)
1. a kind of data processing method, it is characterised in that include：
Obtain terminal iidentification, card mark and the first number；
In each account associated with the card mark, target account is determined according to the terminal iidentification；The target account
There is corresponding relation between mark and the terminal iidentification；
If the remaining sum of the target account is not less than first number, according to first number to the target account
Remaining sum is updated；
Methods described also includes：
When the establishing time of the target account exceedes the default consumption time limit, the remaining sum in the target account is reduced to label
About in account.
2. data processing method according to claim 1, it is characterised in that it is described according to first number to the mesh
After the remaining sum of mark account is updated, also include：
It is determined that the signing account associated with the terminal iidentification；
The remaining sum and the first number sum of the signing account are calculated, the first total value is obtained；
Balance updates by the signing account are first total value.
3. data processing method according to claim 1, it is characterised in that it is described according to first number to the mesh
The remaining sum of mark account is updated, including：
The remaining sum of the target account and the difference of first number are calculated, difference is obtained；
It is the difference by the balance updates of the target account.
4. data processing method according to claim 1, it is characterised in that the acquisition terminal iidentification, card mark and the
One number, including：
Request is reduced in reception, and described reducing asks to include the card mark, the terminal iidentification and first number；
The terminal iidentification, card mark and first number are obtained in request from described reducing.
5. data processing method according to claim 1, it is characterised in that the acquisition terminal iidentification, card mark and the
One number, including：
Receive batch and reduce request, the batch reduces request includes card list, the terminal iidentification and first number；Institute
Stating card list includes the card mark；
Reduce from the batch and in request, obtain the terminal iidentification, card mark and first number.
6. the data processing method according to any one of claim 1-5, it is characterised in that methods described, also includes：
Receive and update request, it is described to update request for indicating to carry out more the remaining sum of the target account according to the second number
Newly；
The remaining sum and the second number sum of the target account are calculated, the second total value is obtained；
It is second total value by the balance updates of the target account.
7. a kind of data processing equipment, it is characterised in that include：
Module is obtained, for obtaining terminal iidentification, card mark and the first number；
Determining module, for, in each account associated with the card mark, determining target account according to the terminal iidentification；Institute
State and there is corresponding relation between the mark of target account and the terminal iidentification；
First update module, if the remaining sum for the target account is not less than first number, according to the described first number
Volume is updated to the remaining sum of the target account；
First update module, is additionally operable to when the establishing time of the target account exceedes the default consumption time limit, will be described
Remaining sum in target account is reduced into signing account.
8. data processing equipment according to claim 7, it is characterised in that described device also includes：
Second update module, for determining the signing account associated with the terminal iidentification；Calculate the remaining sum of the signing account
With the first number sum, the first total value is obtained；Balance updates by the signing account are first total value.
9. data processing equipment according to claim 7, it is characterised in that
First update module, it is specifically for calculating the remaining sum of the target account and the difference of first number, poor
Volume；It is the difference by the balance updates of the target account；
The acquisition module, reduces request specifically for receiving, and described reducing asks to include the card mark, the terminal iidentification
With first number；The terminal iidentification, card mark and first number are obtained in request from described reducing；
Or the acquisition module, request is reduced specifically for receiving batch, the batch is reduced and asks to include card list, described
Terminal iidentification and first number；The card list includes the card mark；Reduce from the batch and in request, obtain described
Terminal iidentification, card mark and first number.
10. the data processing equipment according to any one of claim 7-9, it is characterised in that
The acquisition module, is additionally operable to receive update and asks, described to update request for indicating according to the second number to the mesh
The remaining sum of mark account is updated；
Described device, also includes：
3rd update module, for calculating the remaining sum of the target account and the second number sum, obtains the second total value；Will
The balance updates of the target account are second total value.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410282951.2A CN104021628B (en) | 2014-06-23 | 2014-06-23 | Data processing method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410282951.2A CN104021628B (en) | 2014-06-23 | 2014-06-23 | Data processing method and device |
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| CN104021628A CN104021628A (en) | 2014-09-03 |
| CN104021628B true CN104021628B (en) | 2017-04-05 |
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| CN201410282951.2A Active CN104021628B (en) | 2014-06-23 | 2014-06-23 | Data processing method and device |
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Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105931109A (en) * | 2015-09-18 | 2016-09-07 | ***股份有限公司 | Method and device for account balance update |
| CN107369014A (en) * | 2016-05-12 | 2017-11-21 | 银联数据服务有限公司 | A kind of prepaid card method of payment, network payment platform and prepaid card systems |
| CN106886847A (en) * | 2016-06-22 | 2017-06-23 | 阿里巴巴集团控股有限公司 | A kind of method for processing resource and device |
| TWI680425B (en) * | 2017-12-04 | 2019-12-21 | 兆豐國際商業銀行股份有限公司 | System and method for intelligent financial management |
| CN109377214A (en) * | 2018-09-26 | 2019-02-22 | 深圳壹账通智能科技有限公司 | A kind of method of payment, computer readable storage medium and server |
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| EP1657687A1 (en) * | 2004-11-10 | 2006-05-17 | Alexandre Sam Zormati | Prepaid payment card for instant remote recharging by coupon |
| CN102779304A (en) * | 2011-05-10 | 2012-11-14 | 中国联合网络通信集团有限公司 | Processing method for gifted amount in electronic wallet and server |
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| CN101071520A (en) * | 2006-05-09 | 2007-11-14 | 上海浦东发展银行 | Method for concurrently realizing credit and debit functions on identical bank card |
| US8620299B2 (en) * | 2008-08-12 | 2013-12-31 | Mastercard International Incorporated | Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device |
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| EP1657687A1 (en) * | 2004-11-10 | 2006-05-17 | Alexandre Sam Zormati | Prepaid payment card for instant remote recharging by coupon |
| CN102779304A (en) * | 2011-05-10 | 2012-11-14 | 中国联合网络通信集团有限公司 | Processing method for gifted amount in electronic wallet and server |
| CA2860006A1 (en) * | 2011-12-23 | 2013-06-27 | Fang LING | Bankcard-system based communication method achieving instantaneous settlement between merchant, consumer and distributor |
| CN103413216A (en) * | 2013-05-16 | 2013-11-27 | 深圳市淘淘谷信息技术有限公司 | Multi-account management payment method |
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