CN106469412A

CN106469412A - Data processing method and device

Info

Publication number: CN106469412A
Application number: CN201510505810.7A
Authority: CN
Inventors: 金惜墨
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2015-08-17
Filing date: 2015-08-17
Publication date: 2017-03-01
Anticipated expiration: 2035-08-17
Also published as: CN106469412B

Abstract

The application proposes a kind of data processing method and device.Wherein, the method includes：The data processing request of receive user, obtains corresponding data relationship table, including：First mark of the main information bank that user sets up in the first system, corresponding relation with the second mark of point information bank set up at least one second system, the corresponding relation of the total data information in the first mark and main information bank, the corresponding relation of the divided data information in the second mark and point information bank, wherein, the summation of all divided data information is equal to described total data information；Processed according to data relationship table data passage and treat interaction data, update the data the related data message of relation table.Allow user to obtain comprehensive data message in real time, and by the data channel between data relationship table and system to the pool of multiple divided data information and scheduling, improve efficiency and the motility of data processing.

Description

Data processing method and device

Technical field

The application is related to communication technical field, more particularly, to a kind of data processing method and device.

Background technology

Internet communication refers to rely on the internet appliances such as payment, cloud computing, social networkies and search engine, realizes The process that data interaction is processed.More and more abundanter to the demand of data processing with people, the data handling system being related to is got over Come more, processing procedure also becomes increasingly complex, a complete data handling procedure generally requires to be related to multiple independent data Processing system.

It is illustrated below：The data that such as one user is authorized by system A can only carry out data processing inside system A, The data message being authorized by system B can only carry out data processing inside system B, and user cannot be in system A and system B Data message carry out pool process.

As can be seen here, with the increase of the data processing needs of user, it is related to being continuously increased of system quantity, user is every The data message independently having in individual system cannot be carried out shared interaction, needs to process respectively, leads to complex disposal process, effect Rate is low.

Content of the invention

The application is intended at least solve one of technical problem in correlation technique to a certain extent.

For this reason, the first of the application purpose is to propose a kind of data processing method, the method makes user by main information Storehouse just can obtain comprehensive data message in real time, and directly right by the data exchange channels between data relationship table and system The pool of multiple divided data information and scheduling, improve efficiency and the motility of data processing.

Second purpose of the application is to propose a kind of data processing equipment.

For reaching above-mentioned purpose, the application first aspect embodiment proposes a kind of data processing method, including：

The data processing request that receive user sends, described data processing request includes first mark of user, pending data, And second mark of the user of user's request data interaction；

Identify corresponding the first system using described first logical with the second data interaction identifying foundation between corresponding second system Road, is processed to described pending data；

Obtain result, update the corresponding total data information of described first mark record in the data base of the first system, And second mark corresponding divided data information.

The data processing request that the data processing method of the embodiment of the present application, first receive user send, described data processing please Ask including user first mark, pending data, and the user of user's request data interaction second mark；Then adopt Identify corresponding the first system with described first and identify, with second, the data exchange channels set up between corresponding second system, right Described pending data is processed；Finally obtain result, update described first mark in the data base of the first system The corresponding total data information of record, and the second corresponding divided data information of mark.As a result, same user can be Realize in one system carrying out data processing to other systems, and can be to the data processed result in other systems on the first system It is updated managing, improve the collaborative efficiency between system, improve efficiency and the motility of data processing.

For reaching above-mentioned purpose, the application second aspect embodiment proposes a kind of data processing equipment, including：First reception mould Block, for receive user send data processing request, described data processing request include user first mark, pending Data, and second mark of the user of user's request data interaction；

First processing module, for using described first identify corresponding the first system with second mark corresponding second system it Between set up data exchange channels, described pending data is processed；

Update module, for obtaining result, updates the correspondence of described first mark record in the data base of the first system Total data information, and second mark corresponding divided data information；

Wherein, first it is designated the mark that user sets up in the first system, second is designated the mark that user sets up in second system Know, in the data base of the first system, record has the first mark corresponding total data information, and the second corresponding fraction of mark It is believed that breath, described first identifies the corresponding divided data of all marks that corresponding total data information is set up in other systems equal to user Information sum.

The data processing equipment of the embodiment of the present application, by the first receiver module, the data processing sending for receive user please Ask, described data processing request includes first mark of user, pending data, and the user of user's request data interaction Second mark；By first processing module, corresponding with the second mark for identifying corresponding the first system using described first Second system between set up data exchange channels, described pending data is processed；By update module, it is used for Obtain result, update the corresponding total data information of described first mark record in the data base of the first system, and The second corresponding divided data information of mark；Wherein, first it is designated the mark that user sets up in the first system, second is designated The mark that user sets up in second system, in the data base of the first system, record has the first mark corresponding total data information, And the second corresponding divided data information of mark, the corresponding total data information of described first mark sets up in other systems equal to user All marks corresponding divided data information sum.As a result, same user can realize to other systems on the first system Carry out data processing, and the data processed result in other systems can be updated managing on the first system, improve and be Collaborative efficiency between system, improves efficiency and the motility of data processing.

3rd purpose of the application is to propose a kind of data processing method, and the method makes user pass through main account just can be real When obtain comprehensive financial business information it is achieved that to the pool of financial business and scheduling in multiple distribution accounts, improve electricity The treatment effeciency of sub- financial business and motility.

4th purpose of the application is to propose a kind of data processing equipment.

For reaching above-mentioned purpose, the application third aspect embodiment proposes a kind of data processing method, including：Receive user is led to Cross the Business Processing request that the distribution account being associated in advance with main account is sent, described Business Processing request includes：ID With the authority identification belonging to financial product to be transacted；Default signing is inquired about according to described ID and described authority identification Information, carries out legitimacy authentication to described user；If authentication is passed through, carry out corresponding business operation, and according to operation knot The Transaction Information related to described financial product in main account described in fruit synchronized update and described distribution account.

The data processing method of the embodiment of the present application, first receive user are sent by the distribution account being associated in advance with main account Business Processing request, the request of described Business Processing includes：Authority identification belonging to ID and financial product to be transacted； Then default CAMEL-Subscription-Information is inquired about according to described ID and described authority identification, legitimacy authentication is carried out to described user； If authentication is passed through, carry out corresponding business operation, and main account and described distribution account according to operating result synchronized update The Transaction Information related to described financial product in family.Thus, make user pass through main account and just can obtain comprehensive gold in real time Melt business information it is achieved that the pool to financial business in multiple distribution accounts and scheduling, improve the association between financial sector Same efficiency, improves treatment effeciency and the motility of electronic banking business.

For reaching above-mentioned purpose, the application fourth aspect embodiment proposes a kind of data processing equipment, including：3rd reception mould Block, the Business Processing request being sent by the distribution account associating in advance with main account for receive user, described Business Processing Request includes：Authority identification belonging to ID and financial product to be transacted；Authentication module, for according to described user Mark and described authority identification inquire about default CAMEL-Subscription-Information, carry out legitimacy authentication to described user；Second processing module, If passing through for authentication, carry out corresponding business operation, and main account and described point according to operating result synchronized update Write off related to described financial product Transaction Information in family.

The data processing equipment of the embodiment of the present application, by the 3rd receiver module receive user by associating in advance with main account The Business Processing request that distribution account sends, described Business Processing request includes：ID and financial product to be transacted institute The authority identification belonging to；Default CAMEL-Subscription-Information is inquired about according to described ID and described authority identification by authentication module, right Described user carries out legitimacy authentication；If passing through by Second processing module authentication, carry out corresponding business operation, and root According to related to described financial product Transaction Information in main account described in operating result synchronized update and described distribution account.Thus, Make user pass through main account and just can obtain comprehensive financial business information in real time it is achieved that distributing financial circles in accounts to multiple The pool of business and scheduling, improve the collaborative efficiency between financial sector, improve treatment effeciency and the spirit of electronic banking business Activity.

Brief description

The above-mentioned and/or additional aspect of the present invention and advantage will be apparent from from the following description of the accompanying drawings of embodiments With easy to understand, wherein：

Fig. 1 is the flow chart of the data processing method of one embodiment of the application；

Fig. 2 is the flow process of the data processing method of another embodiment of the application；

The flow chart that Fig. 3 sets up for data relationship table；

Another flow chart that Fig. 4 sets up for data relationship table；

Fig. 5 is the structural representation of the data processing equipment of one embodiment of the application；

Fig. 6 is the structural representation of the data processing equipment of another embodiment of the application；

Fig. 7 is the flow chart of the data processing method of one embodiment of the application；

Fig. 8 is the flow chart of the data processing method of another embodiment of the application；

Fig. 9 is the flow chart of the data processing method of another embodiment of the application；

Figure 10 is the flow chart of the data processing method of another embodiment of the application；

Figure 11 is the structural representation of the data processing equipment of one embodiment of the application；

Figure 12 is the structural representation of the data processing equipment of another embodiment of the application；

Figure 13 is the structural representation of the data processing equipment of another embodiment of the application；

Figure 14 is the structural representation of the data processing equipment of another embodiment of the application；

Figure 15 is the structural representation of the data processing equipment of another embodiment of the application.

Specific embodiment

Embodiments herein is described below in detail, the example of described embodiment is shown in the drawings, wherein identical from start to finish Or the element that similar label represents same or similar element or has same or like function.Retouch below with reference to accompanying drawing The embodiment stated is exemplary it is intended to be used for explaining the application, and it is not intended that restriction to the application.

Below with reference to the accompanying drawings data processing method and the device of the embodiment of the present application are described.

Fig. 1 is the flow chart of the data processing method of one embodiment of the application.

As shown in figure 1, this data processing method includes：

Step 101, receive user send data processing request, described data processing request include user first mark, Pending data, and second mark of the user of user's request data interaction；

Step 102, identifies corresponding the first system using described first and identifies foundation between corresponding second system with second Data exchange channels, are processed to described pending data；

Step 103, obtains result, and it is corresponding total that described first mark of renewal records in the data base of the first system Data message, and the second corresponding divided data information of mark；

Specifically, user can set up in advance in the first system main information bank and corresponding first mark, and at least one Point information bank and corresponding second mark is set up in individual second system, wherein, divided data information corresponding with all points of information banks Summation be equal to total data information corresponding with main information bank,

When user needs the data of at least one point of information bank is processed, send data processing request, this data processing Request includes：First mark of user, pending data, and second mark of the user of user's request data interaction.

First, the data processing request receiving is parsed, obtain the first mark, the pending data of user, and Second mark of the user of user's request data interaction.

Then, identify corresponding the first system using first and identify, with second, the data channel set up between corresponding second system, Pending data is processed, specifically includes：

From the data base of the first system, obtain and identify corresponding data relationship table with first, described data relationship table includes the The corresponding mark group including the second mark of one mark, each mark in mark group is user and sets up in other system, and Each also including in this data relationship table in mark group identifies corresponding system；

The second corresponding second system of mark is obtained based on described data relationship table, obtaining described first mark corresponding first is System identifies, with second, the data exchange channels set up between corresponding second system；Wherein, the first system is described user Second mark is set up on second system, and notifies second system.

Using described data exchange channels, described pending data is processed.

Finally, obtain result, update the corresponding total data of described first mark record in the data base of the first system Information, and the second corresponding divided data information of mark.

Illustrate, data message in the main information bank a that system A is set up for the user is M1, point letter set up in system B Data message in breath storehouse b is M2, and the data message in point information bank c that system C is set up is M3, then M1=M2+M3.

Illustrate, data message in the main information bank a that system A is set up for the user is M1, point letter set up in system B Data message in breath storehouse b is M2, and the data message in point information bank c that system C is set up is M3, then M1=M2+M3. When user needs to the data message M2 process in point information bank b, then according to the data message M1 in main information bank a, And using the data exchange channels between system A and system B, pending data is processed.

Update the total data information in main information bank, and related divided data in processing procedure finally according to result simultaneously Divided data information in storehouse.

Why will according to the data message M1 in main information bank a, be due to the data message M1 in main information bank a be Data message M3 in data message M2 in point information bank b that system B is set up, with point information bank c setting up in system C Summation.User passes through directly to inquire about M1, just can directly judge whether pending data can be processed.Namely Say, above-mentioned when described pending data being processed using described data exchange channels, can be built in other systems according to user Vertical all marks corresponding divided data information, and the first corresponding total data information of mark that user sets up in the first system, Using data exchange channels, pending data to be processed.

It is illustrated below：

Example one：If the data message M2 in point information bank b that user will set up to system B carries out increasing P, just see M1 Whether having arrived at default highest threshold value, if reached, can not the data message M2 in point information bank b be carried out increasing P, Without reaching it is possible to directly carry out increasing P to the data message M2 in point information bank b；Final updating divides information bank Data message in b is the data message in M2+P, and main information bank a is M1+P.

Example two：If the data message M2 in point information bank b that user will set up to system B reduces W, just see that M1 is No more than or equal to W, if M1 is less than W, can not the data message M2 in point information bank b be carried out reducing W, point out to use Family is re-entered；If M1 is more than or equal to W, the data message M2 in point information bank b is carried out reducing W, needs explanation , the data message M2 in point information bank b is carried out reducing with the detailed process of W, the size of W and M2 also to be seen, such as Fruit W is more than M2, then need to deduct P1, the data message from point information bank c in the data message M2 from point information bank b P2, P1+P2=P is deducted, it is M2-P1 that final updating divides the data message in information bank b, updates in point information bank c in M3 Data message be M3-P2, and main information bank a in data message be M1-P.

If W is less than or equal to M2, directly deduct in the data message M2 from point information bank b.Final updating divides information Data message in the b of storehouse is the data message in M2-P, and main information bank a is M1-P.

It is understood that the corresponding fraction of all marks that the first corresponding total data of mark is set up in other systems with user Equal according to sum, therefore, when carrying out data processing, such as during fund allocation, it is possible with the corresponding sum of the first mark According in partial data be transferred in other systems set up mark, as escribed above second identify corresponding divided data in, this Sample is it can be understood as can reduce partial data in the first first corresponding total data of mark, and the second corresponding divided data of mark Above-mentioned partial data can be increased, finally, first identifies corresponding total data but also can add after deducting this partial data not only simultaneously Go up this partial data, then total data will not change.

The data processing request that the data processing method of the embodiment of the present application, first receive user send, described data processing please Ask including user first mark, pending data, and the user of user's request data interaction second mark；Using institute State the corresponding the first system of the first mark and identify, with second, the data exchange channels set up between corresponding second system, to described Pending data is processed；Obtain result, it is right that described first mark of renewal records in the data base of the first system The total data information answered, and the second corresponding divided data information of mark.As a result, same user can be on the first system Realize carrying out data processing to other systems, and on the first system, the data processed result in other systems can be updated Management, improves the collaborative efficiency between system, improves efficiency and the motility of data processing.

Fig. 2 is the flow chart of the data processing method of another embodiment of the application.

As shown in Fig. 2 this data processing method includes：

Step 201, sets up passage interactive information and is stored in described the first system, described passage interactive information includes：The One system first mark and set up and described the first system between data exchange channels second system the second mark group Corresponding relation.

Set up passage interactive information and be stored in the first system, this passage interactive information includes：4th mark of the first system And set up the corresponding relation of the second mark group of the second system of data exchange channels and described the first system between.Citing Explanation：

System A is the first system, and system B, system C, system D are second system, when system A and system B and system C Between set up data exchange channels after, then memory channel interactive information in system A, this passage interactive information includes：System The A corresponding relation with system B and system C respectively.

Step 202, the first request for setting up main information bank that receive user sends, described first request includes：With Family identifies；

Step 203, sets up main information bank corresponding with described ID in described the first system, and in log-on message The corresponding relation of the first mark of storage ID and main information bank.

When user need set up main information bank in the first system when, to the first system send for set up main information bank first Request, described first request includes：ID.

Parsing is carried out to the first request receiving and obtains ID, and set up corresponding with ID in the first system Main information bank, and store the corresponding relation of ID and the first mark of main information bank in log-on message.

Step 204, sets up data relationship table corresponding with described ID.

User set up main information bank in the first system after it is necessary to set up data relationship table corresponding with described ID. Specific embodiment has a lot, can be selected according to specific application needs, pass through respectively to implement shown in Fig. 3 and Fig. 4 Illustrate as a example example, specific as follows：

The flow chart that Fig. 3 sets up for data relationship table, as shown in figure 3, specifically include：

Step 301, the second request for setting up data relationship table that receive user sends, described second request includes： ID；

Step 302, the described log-on message of inquiry obtains first mark corresponding with described ID；

Step 303, to described user's sendaisle interactive information, described passage interactive information includes：With described the first system Have built up the second mark group of the second system of data exchange channels；

Step 304, receives the second mark of point information bank of the foundation that described user sends according to described passage interactive information, Second mark of point information bank of described foundation belongs to described second mark group；

Step 305, sets up data relationship table, and described data relationship table comprises point letter of described first mark and described foundation The corresponding relation of second mark in breath storehouse.

Specifically, to user's sendaisle interactive information, user according in passage interactive information with first can be the first system Whether system has built up the second mark group of the second system of data exchange channels, to judge oneself corresponding with the second mark group Second system in set up a point information bank.

Illustrate, this passage interactive information includes：The system A corresponding relation with system B and system C respectively, if user Only set up a point information bank in systemb, then the second mark b being set up point information bank in advance in systemb is sent to first System.

The first system sets up data relationship table, and described data relationship table comprises the first of the main information bank that user sets up in system A Mark a and the corresponding relation setting up the second mark b dividing information bank in systemb.

Another flow chart that Fig. 4 sets up for data relationship table, as shown in figure 4, specifically include：

Step 401, the second request set up for data relationship table that receive user sends, described second request includes： ID, and second mark of at least one point information bank of foundation；

Step 402, the described log-on message of inquiry obtains first mark corresponding with described ID；

Step 403, inquires about the passage interactive information prestoring, and described passage interactive information includes：With described the first system Set up the second mark group of the second system of data exchange channels；

Step 404, judges whether described second mark group comprises at least one second mark；If so, then set up data relationship Table, described data relationship table comprises described first mark and the corresponding relation of at least one the second mark described.

Specifically, user sends to the first system and identifies from the second of point information bank set up in all second systems, the One system according to the second mark group of the second system having built up data exchange channels in passage interactive information with the first system, To judge whether the second mark group comprises the second mark of user's transmission, and the comprised second mark is stored in data relationship In.

Illustrate, user sets up a point information bank in advance in system B and system D, then will be in advance in system B and system D Middle the second mark b and d setting up point information bank is sent to the first system.This passage interactive information includes：System A respectively with System B and the corresponding relation of system C.Known according to passage interactive information and comprise the second mark b.The first system sets up data Relation table, described data relationship table comprises the first mark a and building in systemb of the main information bank that user sets up in system A The corresponding relation of the second mark b of vertical point of information bank.

Step 205, sends to second system corresponding with the described second mark according to the corresponding relation in described data relationship table First mark.

The first system sends the first mark according to the corresponding relation in data relationship table to second system corresponding with the second mark, Thus second system can know that the mark of main information bank carries out data interaction.

Step 206, receive user send data processing request, described data processing request include user first mark, Pending data, and second mark of the user of user's request data interaction；

Step 207, identifies corresponding the first system using described first and identifies foundation between corresponding second system with second Data exchange channels, are processed to described pending data；

Step 208, obtains result, and it is corresponding total that described first mark of renewal records in the data base of the first system Data message, and the second corresponding divided data information of mark.

Step 206 may refer to above-mentioned steps 101- step 103 to the specific implementation process of step 208, and here is omitted.

The data processing request that the data processing method of the embodiment of the present application, first receive user send, described data processing please Ask including user first mark, pending data, and the user of user's request data interaction second mark；Then adopt Identify corresponding the first system with described first and identify, with second, the data exchange channels set up between corresponding second system, right Described pending data is processed；Finally obtain result, update described first mark in the data base of the first system The corresponding total data information of record, and the second corresponding divided data information of mark.

As a result, same user can realize carrying out data processing to other systems on the first system, and can be in the first system On the data processed result in other systems is updated manage, improve the collaborative efficiency between system, improve data The efficiency processing and motility.

Fig. 5 is the structural representation of the data processing equipment of one embodiment of the application.

As shown in figure 5, this data processing equipment includes：

First receiver module 11, the data processing request sending for receive user, described data processing request includes user's First mark, pending data, and second mark of the user of user's request data interaction；

First processing module 12, for identifying corresponding the first system and the second corresponding second system of mark using described first Between set up data exchange channels, described pending data is processed；

Update module 13, for obtaining result, it is right that described first mark of renewal records in the data base of the first system The total data information answered, and the second corresponding divided data information of mark；

It should be noted that the aforementioned explanation to data processing method embodiment and technique effect are also applied for this embodiment Data processing equipment, here is omitted.

Fig. 6 is the structural representation of the data processing equipment of another embodiment of the application,

As shown in fig. 6, being based on embodiment illustrated in fig. 5,

Described first processing module 12, specifically includes：

First acquisition unit 121, for from the data base of the first system, obtaining and the first corresponding data relationship table of mark, Described data relationship table includes the corresponding mark group including the second mark of the first mark, and each mark in mark group is use Family is set up in other system, and each also including in this data relationship table in mark group identifies corresponding system；

Second acquisition unit 122, for obtaining the second corresponding second system of mark based on described data relationship table, obtains institute State the corresponding the first system of the first mark and identify, with second, the data exchange channels set up between corresponding second system；

Processing unit 123, for being processed to described pending data using described data exchange channels.

Also include：

Sending module 14, for being that described user sets up the second mark on second system on described the first system, and notifies Second system.

The data processing method that above-described embodiment is provided is applied to illustrate in the scene of financial product electronic transaction process, The main account being related in following examples be equivalent to the user in above-described embodiment first mark, distribution account be equivalent on State first mark of the user in embodiment, the first financial institution is equivalent to the first system, and the second financial institution is equivalent to second System, electronic banking exchange channels are equivalent to data exchange channels, and Transaction Information is equivalent to data message, and detailed process is as follows：

Fig. 7 is the flow chart of the data processing method of one embodiment of the application.

As shown in fig. 7, this data processing method includes：

Step 501, the Business Processing request that receive user is sent by the distribution account being associated in advance with main account, described industry Business processes request and includes：Authority identification belonging to ID and financial product to be transacted.

User has pre-build system of account corresponding with itself, and wherein, account system includes：Main account corresponding with user Family and at least one the distribution account associating with main account.Wherein, distribution account includes：At least one sells account on a commission basis, And/or, at least one sells account directly to households.

Can by main account, distribute account, sell account on a commission basis, sell account etc. directly to households and regard a system of account as, account system can be wrapped Include a main account and the four distribution accounts associating with this main account, wherein, main account can be third party's account in this example Family, such as Yuebao broad sense account, have three to sell account and a direct selling account, three commissary sale books on a commission basis in four distribution accounts Family specifically may include：Stock trader sells account on a commission basis, and bank sells account on a commission basis, and independent third party sells account on a commission basis；Selling account directly to households for one can be： The narrow sense account of third party's account, such as Yuebao narrow sense account.Wherein it is desired to explanation, selling account directly to households is that finance is produced The direct selling mechanism of product；Sell account on a commission basis and refer to that financial product sells mechanism (stock trader, bank or independent third party's machine of licence plate on a commission basis Structure).It is emphasized that the quantity of the middle distribution account to system of account for the present embodiment and type are not specifically limited.

When user needs to carry out financial business process, sending Business Processing by the distribution account associating in advance with main account please Ask, wherein, the request of this Business Processing includes：Authority identification belonging to ID and financial product to be transacted.

Step 502, inquires about default CAMEL-Subscription-Information according to described ID and described authority identification, described user is carried out Legitimacy authenticates.

The Business Processing request receiving is carried out parsing the mechanism's mark obtaining belonging to ID and financial product to be transacted Know.

Inquire about default CAMEL-Subscription-Information, if signing number corresponding with this ID and authority identification can be obtained it is determined that being somebody's turn to do User identity is legal, can carry out follow-up business operation；If can not obtain and this ID and the corresponding label of authority identification About number it is determined that this user identity illegal it is impossible to carry out follow-up business operation.

Step 503, if authentication is passed through, carries out corresponding business operation, and main account according to operating result synchronized update The Transaction Information related to described financial product in family and described distribution account.

After this subscription authentication is passed through, carry out corresponding business operation, specific business operation process is regarding service request content Fixed, such as financial product proceeds to business, financial product produces business.

After the completion of business operation, according to the main account in operating result synchronized update system of account and distribution account in this finance The related Transaction Information of product.Send when proceeding to service request of financial product when user sells account on a commission basis by stock trader, according to this The service request that proceeds to that stock trader sells account on a commission basis carries out corresponding financial product and proceeds to operation, after the completion of proceeding to, in Yuebao broad sense Account (i.e. main account) neutralize stock trader sell on a commission basis increase financial product in account (distribution account) proceed to amount.

The data processing method of the embodiment of the present application, first receive user are sent by the distribution account being associated in advance with main account Business Processing request, the request of described Business Processing includes：Authority identification belonging to ID and financial product to be transacted； Then default CAMEL-Subscription-Information is inquired about according to described ID and described authority identification, legitimacy authentication is carried out to described user； If authentication is passed through, carry out corresponding business operation, and main account and described distribution account according to operating result synchronized update The Transaction Information related to described financial product in family.Thus, make user pass through main account and just can obtain comprehensive gold in real time Melt business information it is achieved that the pool to financial business in multiple distribution accounts and scheduling, improve the place of electronic banking business Reason efficiency and motility.

Further, based on above-described embodiment, sent by the distribution account associating in advance with main account in described receive user Business Processing request before, also include：

The electronic banking set up between the first financial institution belonging to main account and the second financial institution belonging to distribution account interacts Passage；

The account opening request that receive user sends；

Set up system of account corresponding with described user, described system of account includes：Main account corresponding with described user, with And at least one associating with described main account distribute account.

Specifically, need to set up the first financial institution belonging to main account and the second gold medal distributed belonging to account according to practical application Melt the electronic banking exchange channels between mechanism, specifically include the docking of system interface, binding of agreement etc., by setting up Electronic banking exchange channels between one financial institution and the second financial institution, thus after the account opening request receiving user, Set up corresponding system of account for user, specifically, be user set up a main account and associate with main account to A few distribution account.

Illustrate：Pre-build Third-party payment platform belonging to Yuebao broad sense account and stock trader mechanism, banking institution, Independent third party mechanism, and sell directly to households account belonging to Third-party payment mechanism between volume electronic banking passage, thus according to The account opening request at family is set up Yuebao broad sense account and is sold account on a commission basis with stock trader, and bank sells account on a commission basis, and independent third party sells account on a commission basis, And the association binding of Yuebao narrow sense account.To make user pass through main account just can obtain comprehensive financial business in real time Information, it is achieved that the pool to financial business in multiple distribution accounts and scheduling, improves the treatment effeciency of electronic banking business And motility.

Wherein, the Third-party payment platform belonging to Yuebao broad sense account is equivalent to the first system in embodiment illustrated in fig. 1, Yuebao broad sense account is equivalent to main information bank corresponding first and identifies, stock trader mechanism, banking institution, independent third party mechanism, And the Third-party payment mechanism belonging to direct selling account is equivalent to second system, stock trader sells account on a commission basis, and bank sells account on a commission basis, solely Vertical third party sells account on a commission basis, and Yuebao narrow sense account is equivalent to the corresponding mark of point information bank.

If passing through to subscription authentication in embodiment illustrated in fig. 7, carry out corresponding business operation, and according to operating result The Transaction Information related to described financial product in synchronized update main account and distribution account.Different types of service leads to specifically Operating process, and according to operating result to main account and distribution account synchronized update process different, therefore, in order to Above-mentioned processing procedure is more clearly described, is illustrated by Fig. 8 and embodiment illustrated in fig. 9：

Fig. 8 is the flow chart of the data processing method of another embodiment of the application.

As shown in figure 8, the present embodiment is to be directed to when described Business Processing is asked as proceeding to service request, the step shown in Fig. 7 Rapid 503 specifically include：

Step 601, establishment is corresponding with described financial product to proceed to business sheet；

Step 602, carries out proceeding to delivery operation；

Step 603, increase described financial product in described main account and described distribution account proceeds to amount.

Specifically, user is sent by the distribution account bound with main account and proceeds to service request, parses this and proceeds to service request Obtain the authority identification belonging to ID and financial product to be transacted.

After this subscription authentication is passed through, establishment is corresponding with this financial product to proceed to business sheet, proceeds to business sheet and includes proceeding to The relevant information of business, such as proceeds to amount, user profile etc..

Carry out proceeding to delivery operation according to proceeding to the default payment module of business unitary call, and after confirming to proceed to amount, Increase this financial product in main account and distribution account proceeds to amount.

The data processing method of the embodiment of the present application, establishment is corresponding with described financial product first proceeds to business sheet, Ran Houjin Row proceeds to delivery operation, and increase described financial product in described main account and described distribution account proceed to amount.Thus, Make user pass through main account and just can obtain comprehensive financial business information in real time it is achieved that distributing financial circles in accounts to multiple The pool of business, improves the collaborative efficiency between different financial sectors, improves the motility of electronic banking business.

Fig. 9 is the flow chart of the data processing method of another embodiment of the application.

As shown in figure 9, the present embodiment is to be directed to when described Business Processing is asked as producing service request, the step shown in Fig. 7 Rapid 503 specifically include：

Step 701, establishment is corresponding with described financial product to produce business sheet；

Step 702, carries out the process that changes to trusteeship；

Step 703, carries out producing delivery operation；

Step 704, that reduces described financial product in described main account and described distribution account produces amount.

Specifically, user is sent by the distribution account bound with main account and produces service request, parses this and produces service request Obtain the authority identification belonging to ID and financial product to be transacted.

After this subscription authentication is passed through, establishment is corresponding with this financial product to produce business sheet, produces business sheet and includes producing The relevant information of business, such as produces amount, user profile etc..

Carry out changing to trusteeship process and produce delivery operation according to producing the default payment module of business unitary call, and confirming to turn After going out amount, that reduces this financial product in main account and distribution account produces amount.

The data processing method of the embodiment of the present application, establishment is corresponding with described financial product first produces business sheet, Ran Houjin The capable process that changes to trusteeship, carries out producing delivery operation, thus reduce described finance in described main account and described distribution account producing Product produce amount.Thus, make user pass through main account and just can obtain comprehensive financial business information in real time it is achieved that right The pool of financial business and scheduling in multiple distribution accounts, improve treatment effeciency and the motility of electronic banking business.

It should be noted that because the type of financial product is more, corresponding financial product proceeds to business and produces the tool of business Body process is also different, in order to above-mentioned implementation process is more clearly described, with fund product apply to purchase business and redemption business is Example, is described as follows：

Business operation of applying to purchase specifically may include：Preposition verification, power control verification, establishment proceed to business sheet, call payment Payment module carries out the payment of applying to purchase, calls financecore financing payment nucleus module to make share confirmation, and updates master simultaneously Account, the Transaction Information of corresponding distribution account.As long as it should be noted that update main account, correspondence in the present embodiment simultaneously The Transaction Information of distribution account, including：Distribution account is updated after first updating main account, or, first update distribution account Update main account afterwards.

Redeem business operation to specifically include：Preposition verification, power control verification, create and produce business sheet, call payment to prop up Pay module carry out redeem pay, calculate change to trusteeship related data, call financecore financing pay nucleus module confirm part Volume is reduced, and carries out the inter-agency operation and submitting to of changing to trusteeship and change to trusteeship data, and updates main account, corresponding distribution simultaneously The Transaction Information of account.As long as it should be noted that update main account, the transaction of corresponding distribution account in the present embodiment simultaneously Information, including：Distribution account is updated after first updating main account, or, update main account after first updating distribution account.

Specifically refer to for the process that changes to trusteeship producing business shown in Fig. 9：For with a financial product, sell account directly to households Family and the financial product share selling account on a commission basis are all independent calculating, for the experience unified to user, are supported by main account The share of different distribution accounts shares to user.Illustrate especially by embodiment illustrated in fig. 10：

Figure 10 is the flow chart of the data processing method of another embodiment of the application.

As shown in Figure 10, when all distribution accounts being associated with described main account are included in the present embodiment：Sell account and multiple directly to households Sell account on a commission basis, and when to produce the distribution account of service request described in sending be the first commissary sale book family, turning for step 702 Trustship handling process specifically includes：

Step 801, judge described financial product produces the total guarantor whether amount is more than financial product described in described main account Have amount, wherein, described always possess amount be equal to described all distribution accounts described in financial product possess amount summation；

Step 802, if produce described in judging to know amount be more than described always possess amount, carry out producing excess prompting；

Step 803, if produce described in judging to know amount be less than or equal to described always possess amount, judge described in produce amount Whether be more than financial product described in described first commissary sale book family possesses amount；

Step 804, if judge know described in produce amount be less than or equal to described first commissary sale book family described in financial product guarantor There is amount, then directly reduce from described first commissary sale book family；

Step 805, if judge know described in produce amount be more than described first commissary sale book family described in financial product possess volume Degree, then carry out, according to default strategy, the process that changes to trusteeship.

It should be noted that in step 805, default strategy can need to be adjusted according to actual application, as one Example, carries out, according to default strategy, the process inclusion that changes to trusteeship：

That reduces financial product described in described first commissary sale book family possesses amount；

Judge remaining produce amount whether more than described sell financial product described in account directly to households possess amount；

If judge know described remaining produce amount be less than or equal to described sell directly to households account described in financial product possess amount, Then reduce from described direct selling account and described remaining produce amount；

If judge know described remaining produce amount be more than described sell directly to households account described in financial product possess amount, detain Subtract described sell financial product described in account directly to households possess amount, and reduce remaining in recoverable amount ratio and sell described in account gold on a commission basis Melt product possesses amount.

In order to above-mentioned implementation process is more clearly described, with turning in the fund product redemption business in embodiment illustrated in fig. 10 Carry out citing as a example trustship handling process to illustrate：

The main account of user is detailed as follows：In the direct selling account associating with main account share be 10000, part of commission organization A Volume is 5000, the share of commission organization B is 3000, the share of commission organization C is 2000；

Scene 1：If user buys 5000 shares by mechanism A, because the share of mechanism A is enough, this is only to detain Subtract 5000 shares of oneself, do not have generation to change to trusteeship；

Scene 2：If user buys 8000 shares by mechanism A, because the share of mechanism A is inadequate, at this moment first detain Subtract 5000 shares of oneself, also differ from 3000, this preferentially goes to detain 3000 inside the share sold directly to households, this creates the terminal straight 3000 shares selling mechanism A change to trusteeship；

Scene 3：If user buys 17000 shares by mechanism A, because the share of mechanism A is inadequate, this is button Subtract 5000 shares of oneself, also differ from 12000, then inside the share sold directly to households, go to detain 10000, still differ from 2000, at this moment Need to reduce according to equal proportion from other mechanisms,

The share that mechanism B reduces is：3000/ (3000+2000) * 2000=1200, the share that mechanism C reduces is： 2000/ (3000+2000) * 2000=800, which produces three records that change to trusteeship：

One 10000 share being to sell directly to households mechanism A；

1200 shares of one Ge Shi mechanism B to mechanism A；

800 shares of one Ge Shi mechanism C to mechanism A；

It should be noted that when equal proportion is in Practical Calculation it is impossible to all divide exactly, carrying out tolerance process as needed.

The data processing method of the embodiment of the present application, is realized changing to trusteeship business by main account according to default strategy, each distribution Account is not to isolate to carry out business operation.Thus, make user pass through main account and just can obtain comprehensive financial business letter in real time Breath it is achieved that to the pool of financial business and scheduling in multiple distribution accounts, improve electronic banking business treatment effeciency and Motility.

In a way of example, when main account is for fund account or other financing account, need to send out by this main account Play the purchasing behavior of other finance, such as, when buying stock, system can be redeemed operation automatically to main account.Specifically, lead to Cross third party user, a kind of such as Yuebao account (fund financing account) is bought under stock scene, and this Yuebao account can be led to Crossing stock trader's service provider provides a front-end system for stock trader, and this front-end system can be seeked advice from when receiving shares trusting list Enough whether guarantee fund, if the redemption of Yuebao account share not can be automatically initiated, handed over by the finance that Yuebao account is located Easily system is redeemed confirmation in real time, redeems successfully after the fund of postscript increasing guarantee fund, carries out trust again and place an order, so Can ensure to give priority to purchasing other finance products by Yuebao account, such as stock.As can be seen that in finance and money management trading floor Under scape, main account automatically can be redeemed operation to the account finance product of oneself automatically, thus can using main account as One general financing account is being operated.

In order to realize above-described embodiment, the application also proposes a kind of data processing equipment.

Figure 11 is the structural representation of the data processing equipment of one embodiment of the application.

As shown in figure 11, this data processing equipment includes：

3rd receiver module 21, the Business Processing being sent by the distribution account associating in advance with main account for receive user please Ask, described Business Processing request includes：Authority identification belonging to ID and financial product to be transacted；

Authentication module 22, for inquiring about default CAMEL-Subscription-Information according to described ID and described authority identification, to described use Family carries out legitimacy authentication；

Second processing module 23, if passing through for authentication, carries out corresponding business operation, and synchronous more according to operating result Newly related to described financial product Transaction Information in described main account and described distribution account.

It should be noted that the aforementioned explanation to data processing method embodiment is also applied for the data processing of this embodiment Device, here is omitted.

The data processing equipment of the embodiment of the present application, by the first receiver module receive user by associating in advance with main account The Business Processing request that distribution account sends, described Business Processing request includes：ID and financial product to be transacted institute The authority identification belonging to, inquires about default CAMEL-Subscription-Information by authentication module according to described ID and described authority identification, right Described user carries out legitimacy authentication, if authentication is passed through, carries out corresponding business operation by processing module, and according to operation The Transaction Information related to described financial product in main account described in result synchronized update and described distribution account.Thus, use Family just can obtain comprehensive financial business information by main account in real time it is achieved that distributing financial business in accounts to multiple Plan as a whole and dispatch, improve treatment effeciency and the motility of electronic banking business.

Figure 12 is the structural representation of the data processing equipment of another embodiment of the application.As shown in figure 12, based on Figure 11 Illustrated embodiment, when described Business Processing is asked as proceeding to service request, Second processing module 23, specifically include：

Proceed to unit 231, proceed to business sheet for establishment is corresponding with described financial product；

First payment unit 232, is used for carrying out proceeding to delivery operation；

First recording unit 233, proceeds to volume for increase described financial product in described main account and described distribution account Degree.

The data processing equipment of the embodiment of the present application, by proceeding to, unit establishment is corresponding with described financial product to proceed to business sheet, Carry out proceeding to delivery operation by the first payment unit, by the first recording unit in described main account and described distribution account Increase described financial product proceeds to amount.Thus, make user pass through main account and just can obtain comprehensive financial business in real time Information is it is achieved that to multiple pools distributing financial business in accounts, improve the motility of electronic banking business.

Figure 13 is the structural representation of the data processing equipment of another embodiment of the application.As shown in figure 13, based on Figure 11 Illustrated embodiment, when described Business Processing is asked as producing service request, Second processing module 23, specifically include：

Produce unit 234, produce business sheet for establishment is corresponding with described financial product；

Scheduling unit 235, is used for carrying out the process that changes to trusteeship；

Second payment unit 236, is used for carrying out producing delivery operation；

Second recording unit 237, produces volume for reduce described financial product in described main account and described distribution account Degree.

The data processing equipment of the embodiment of the present application, by producing, unit establishment is corresponding with described financial product to produce business sheet； The process that changes to trusteeship is carried out by scheduling unit；Carry out producing delivery operation by the second payment unit；By the second recording unit That reduces described financial product in described main account and described distribution account produces amount.Thus, user is made to pass through main account Just comprehensive financial business information can be obtained in real time it is achieved that distributing the pool of financial business and scheduling in accounts to multiple, Improve treatment effeciency and the motility of electronic banking business.

Figure 14 is the structural representation of the data processing equipment of another embodiment of the application.As shown in figure 14, based on Figure 13 Illustrated embodiment, when described Business Processing is asked as producing service request, when all distribution accounts associating with described main account Family includes：Sell directly to households account and multiple sell account on a commission basis, and to produce the distribution account of service request described in sending be the first commissary sale book During family, described scheduling unit 235, specifically include：

First judgment sub-unit 2351, produces amount whether more than described in described main account for judge described financial product Financial product always possess amount, wherein, described amount of always possessing is equal to financial product described in described all distribution accounts Possess amount summation；

Prompting subelement 2352, if for produce described in judging to know amount be more than described always possess amount, carry out producing super Volume is pointed out；

Second judgment sub-unit 2353, if for judge know described in produce amount be less than or equal to described always possess amount, sentence Produce amount described in disconnected and whether possess amount more than financial product described in described first commissary sale book family；

First processing units 2354, if for judge know described in produce amount be less than or equal to described first commissary sale book family described in Financial product possess amount, then directly reduce from described first commissary sale book family；

Second processing unit 2355, if for judge know described in produce amount be more than described first commissary sale book family described in finance Product possess amount, then carry out, according to default strategy, the process that changes to trusteeship.

Further, described second processing unit 2355, specifically for：

The data processing equipment of the embodiment of the present application, is realized changing to trusteeship business by main account according to default strategy, each distribution Account is not to isolate to carry out business operation.Thus, make user pass through main account and just can obtain comprehensive financial business letter in real time Breath it is achieved that to the pool of financial business and scheduling in multiple distribution accounts, improve electronic banking business treatment effeciency and Motility.

Figure 15 is the structural representation of the data processing equipment of another embodiment of the application.As shown in figure 15, based on Figure 11 Illustrated embodiment, data processing equipment also includes：

4th receiver module 24, the account opening request sending for receive user；

Module of opening an account 25, for setting up system of account corresponding with described user, described system of account includes：With described user Corresponding main account and at least one the distribution account associating with described main account.

4th sets up module 26, for, before described foundation system of account corresponding with described user, setting up described main account The electronic banking exchange channels between the second financial institution belonging to the first affiliated financial institution and described distribution account.

The data processing equipment of the embodiment of the present application, the account opening request being sent by the second receiver module receive user；By opening Family module sets up system of account corresponding with described user, and described system of account includes：Main account corresponding with described user, And at least one associating with described main account distribute account.Corresponding with described user in described foundation by setting up module Before system of account, set up the first financial institution belonging to described main account and the second financial institution belonging to described distribution account Between electronic banking exchange channels.To make user pass through main account just can obtain comprehensive financial business information in real time, Achieve to the pool of financial business and scheduling in multiple distribution accounts, improve the treatment effeciency and flexibly of electronic banking business Property.

In the description of this specification, reference term " embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. mean specific features with reference to this embodiment or example description, structure, material or Feature is contained at least one embodiment or the example of the application.In this manual, the schematic representation to above-mentioned term Necessarily it is directed to identical embodiment or example.And, the specific features of description, structure, material or feature are permissible Any one or more embodiments or example combine in an appropriate manner.Additionally, in the case of not conflicting, ability The feature of the different embodiments described in this specification or example and different embodiment or example can be entered by the technical staff in domain Row combines and combines.

Additionally, term " first ", " second " are only used for describing purpose, and it is not intended that indicating or hint relative importance Or the implicit quantity indicating indicated technical characteristic.Thus, define " first ", the feature of " second " can be expressed Or implicitly include at least one this feature.In the description of the present application, " multiple " are meant that at least two, such as two Individual, three etc., unless otherwise expressly limited specifically.

In flow chart or here any process described otherwise above or method description are construed as, represent and include one Or more are used for realizing the module of the code of the executable instruction of step, fragment or the part of specific logical function or process, And the scope of the preferred implementation of the application includes other realization, order that is shown or discussing wherein can not be pressed, Including according to involved function by substantially simultaneously in the way of or in the opposite order, carry out perform function, this should be by the application's Embodiment person of ordinary skill in the field understood.

Represent in flow charts or here logic described otherwise above and/or step, for example, it is possible to be considered as reality The order list of the executable instruction of existing logic function, may be embodied in any computer-readable medium, for instruction Execution system, device or equipment (system as computer based system, including processor or other can be from instruction execution System, device or equipment instruction fetch the system of execute instruction) use, or with reference to these instruction execution systems, device or set Standby and use.For the purpose of this specification, " computer-readable medium " can any can be comprised, store, communicating, propagating Or transmission procedure uses for instruction execution system, device or equipment or with reference to these instruction execution systems, device or equipment Device.The more specifically example (non-exhaustive list) of computer-readable medium includes following：There are one or more cloth The electrical connection section (electronic installation) of line, portable computer diskette box (magnetic device), random access memory (RAM), read-only Memorizer (ROM), erasable edit read-only storage (EPROM or flash memory), fiber device, and portable Compact disc read-only memory (CDROM).In addition, computer-readable medium can even is that the paper that can print described program thereon Or other suitable media, because edlin, solution can then be entered for example by optical scanning is carried out to paper or other media Translate or be processed to electronically obtain described program with other suitable methods if necessary, be then stored in computer In memorizer.

It should be appreciated that each several part of the application can be realized with hardware, software, firmware or combinations thereof.In above-mentioned reality Apply in mode, the software that multiple steps or method can be executed in memory and by suitable instruction execution system with storage or Firmware is realizing.For example, if realized with hardware, and the same in another embodiment, can use well known in the art under Any one of row technology or their combination are realizing：There is the logic gates for data signal is realized with logic function Discrete logic, there is the special IC of suitable combinational logic gate circuit, programmable gate array (PGA), existing Field programmable gate array (FPGA) etc..

The all or part of step that those skilled in the art are appreciated that to realize that above-described embodiment method carries is can Completed with the hardware instructing correlation by program, described program can be stored in a kind of computer-readable recording medium, This program upon execution, including one or a combination set of the step of embodiment of the method.

Additionally, can be integrated in a processing module or each in each functional unit in each embodiment of the application Individual unit is individually physically present it is also possible to two or more units are integrated in a module.Above-mentioned integrated module was both Can be to be realized in the form of hardware, it would however also be possible to employ the form of software function module is realized.If described integrated module with The form of software function module is realized and as independent production marketing or when using it is also possible to be stored in a computer-readable Take in storage medium.

Storage medium mentioned above can be read only memory, disk or CD etc..Although having been shown and described above Embodiments herein it is to be understood that above-described embodiment is exemplary it is impossible to be interpreted as the restriction to the application, Those of ordinary skill in the art can be changed to above-described embodiment within the scope of application, change, replacing and modification.

Claims

1. a kind of data processing method is it is characterised in that include：

Obtain result, update the corresponding total data information of described first mark record in the data base of the first system, And second mark corresponding divided data information；

2. the method for claim 1 is it is characterised in that identify corresponding the first system and second using described first Identify the data channel set up between corresponding second system, described pending data is processed, specifically includes：

The second corresponding second system of mark is obtained based on described data relationship table, obtaining described first mark corresponding first is System identifies, with second, the data exchange channels set up between corresponding second system；

Using described data exchange channels, described pending data is processed.

3. method as claimed in claim 1 or 2 is it is characterised in that also include：

Described the first system is described user sets up the second mark on second system, and notifies second system.

4. a kind of data processing equipment is it is characterised in that include：

First receiver module, the data processing request sending for receive user, described data processing request includes the of user One mark, pending data, and second mark of the user of user's request data interaction；

5. device as claimed in claim 4, it is characterised in that described first processing module, specifically includes：

First acquisition unit, for from the data base of the first system, obtaining and the first corresponding data relationship table of mark, institute State data relationship table and include the corresponding mark group including the second mark of the first mark, each mark in mark group is user Set up in other system, and each also including in this data relationship table in mark group identifies corresponding system；

Second acquisition unit, for obtaining the second corresponding second system of mark based on described data relationship table, obtains described the One identifies corresponding the first system identifies, with second, the data exchange channels set up between corresponding second system；

Processing unit, for being processed to described pending data using described data exchange channels.

6. the device as described in claim 4 or 5 is it is characterised in that also include：

Sending module, for being that described user sets up the second mark on second system on described the first system, and notifies Two system.

7. a kind of data processing method is it is characterised in that comprise the following steps：

The Business Processing request that receive user is sent by the distribution account being associated in advance with main account, described Business Processing request Including：Authority identification belonging to ID and financial product to be transacted；

Default CAMEL-Subscription-Information is inquired about according to described ID and described authority identification, legitimacy authentication is carried out to described user；

If authentication is passed through, carry out corresponding business operation, and main account and described point according to operating result synchronized update Write off related to described financial product Transaction Information in family.

8. data processing method as claimed in claim 7 is it is characterised in that described distribution account includes：At least one generation Write off family, and/or, at least one sells account directly to households.

9. data processing method as claimed in claim 7 is it is characterised in that when described Business Processing is asked as proceeding to business During request,

Described carry out corresponding business operation, and in main account and described distribution account according to operating result synchronized update with The related Transaction Information of described financial product, including：

Establishment is corresponding with described financial product to proceed to business sheet；

Carry out proceeding to delivery operation；

Increase described financial product in described main account and described distribution account proceeds to amount.

10. data processing method as claimed in claim 7 is it is characterised in that when described Business Processing is asked as producing industry During business request,

Establishment is corresponding with described financial product to produce business sheet；

Carry out the process that changes to trusteeship；

Carry out producing delivery operation；

That reduces described financial product in described main account and described distribution account produces amount.

11. data processing methods as claimed in claim 10 are it is characterised in that work as all points associating with described main account The family that writes off includes：Sell directly to households account and multiple sell account on a commission basis, and to produce the distribution account of service request described in sending be the first generation Write off family when, the described process that carries out changing to trusteeship includes：

Judge that whether the amount that produces of described financial product always possesses amount more than financial product described in described main account, its In, described always possess amount be equal to described all distribution accounts described in financial product possess amount summation；

If produce described in judging to know amount be more than described always possess amount, carry out producing excess prompting；

If produce described in judging to know amount be less than or equal to described always possess amount, judge described in produce whether amount is more than institute That states financial product described in the first commissary sale book family possesses amount；

If judge know described in produce amount be less than or equal to described first commissary sale book family described in financial product possess amount, Directly reduce from described first commissary sale book family；

If judge know described in produce amount be more than described first commissary sale book family described in financial product possess amount, according to Default strategy carries out the process that changes to trusteeship.

12. data processing methods as claimed in claim 11 are it is characterised in that described asked according to default strategy Pipe processes and includes：

13. such as claim 7-12 arbitrary described data processing methods it is characterised in that described receive user by with master Before the Business Processing request that the distribution account that account associates in advance sends, also include：

The account opening request that receive user sends；

14. data processing methods as claimed in claim 13 are it is characterised in that described foundation account corresponding with described user Before the system of family, also include：

Set up the electronics between the first financial institution belonging to described main account and the second financial institution belonging to described distribution account Financial exchange channels.

A kind of 15. data processing equipments are it is characterised in that include：

3rd receiver module, the Business Processing request being sent by the distribution account associating in advance with main account for receive user, Described Business Processing request includes：Authority identification belonging to ID and financial product to be transacted；

Authentication module, for inquiring about default CAMEL-Subscription-Information according to described ID and described authority identification, to described user Carry out legitimacy authentication；

Second processing module, if passing through for authentication, carries out corresponding business operation, and according to operating result synchronized update The Transaction Information related to described financial product in described main account and described distribution account.

16. data processing equipments as claimed in claim 15 are it is characterised in that described distribution account includes：At least one Sell account on a commission basis, and/or, at least one sells account directly to households.

17. data processing equipments as claimed in claim 15 are it is characterised in that when described Business Processing is asked as proceeding to industry During business request,

Described Second processing module, specifically includes：

Proceed to unit, proceed to business sheet for establishment is corresponding with described financial product；

First payment unit, is used for carrying out proceeding to delivery operation；

First recording unit, proceeds to amount for increase described financial product in described main account and described distribution account.

18. data processing equipments as claimed in claim 15 are it is characterised in that when described Business Processing is asked as producing industry During business request,

Described Second processing module, specifically includes：

Produce unit, produce business sheet for establishment is corresponding with described financial product；

Scheduling unit, is used for carrying out the process that changes to trusteeship；

Second payment unit, is used for carrying out producing delivery operation；

Second recording unit, produces amount for reduce described financial product in described main account and described distribution account.

19. data processing equipments as claimed in claim 15 are it is characterised in that work as all points associating with described main account The family that writes off includes：Sell directly to households account and multiple sell account on a commission basis, and to produce the distribution account of service request described in sending be the first generation Write off family when, described scheduling unit, specifically include：

First judgment sub-unit, produces amount whether more than finance described in described main account for judge described financial product Product always possess amount, wherein, described amount of always possessing is equal to the possessing of financial product described in described all distribution accounts Amount summation；

Prompting subelement, if for produce described in judging to know amount be more than described always possess amount, carry out producing excess carrying Show；

Second judgment sub-unit, if for judge know described in produce amount be less than or equal to described always possess amount, judge institute State and produce amount and whether possess amount more than financial product described in described first commissary sale book family；

First processing units, if for judge know described in produce amount be less than or equal to described first commissary sale book family described in finance Product possess amount, then directly reduce from described first commissary sale book family；

Second processing unit, if for judge know described in produce amount be more than described first commissary sale book family described in financial product Possess amount, then carry out, according to default strategy, the process that changes to trusteeship.

20. data processing equipments as claimed in claim 19 it is characterised in that described second processing unit, specifically for：

21. such as claim 15-21 arbitrary described data processing equipments are it is characterised in that also include：

4th receiver module, the account opening request sending for receive user；

Open an account module, for setting up system of account corresponding with described user, described system of account includes：With described user couple The main account answered and at least one the distribution account associating with described main account.

22. data processing equipments as claimed in claim 21 are it is characterised in that also include：

4th sets up module, for, before described foundation system of account corresponding with described user, setting up described main account institute The electronic banking exchange channels between the second financial institution belonging to the first financial institution belonging to and described distribution account.