CN116128619A - Service processing method, device, computer equipment and storage medium - Google Patents

Service processing method, device, computer equipment and storage medium Download PDF

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Publication number
CN116128619A
CN116128619A CN202211606054.3A CN202211606054A CN116128619A CN 116128619 A CN116128619 A CN 116128619A CN 202211606054 A CN202211606054 A CN 202211606054A CN 116128619 A CN116128619 A CN 116128619A
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account
target merchant
merchant
financial
business
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李伟清
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Ping An Bank Co Ltd
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Ping An Bank Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The embodiment of the application discloses a business processing method, a business processing device, computer equipment and a storage medium, wherein when a financial business is received, the business attribute information of a target business to which the financial business belongs is acquired through a financial system, and an account held by the target business is determined according to the business attribute information; if the account held by the target merchant does not have the account of the current line, randomly generating a business code; generating principal account opening information according to merchant attribute information and service codes through account opening service, and sending the principal account opening information to a target merchant; receiving confirmation information of the target merchant on the opening information of the present line account, opening the present line electronic account for the target merchant based on the confirmation information, and associating the present line electronic account with the layline account held by the target merchant; and carrying out financial transaction corresponding to the financial business on the electronic account of the home run, thereby improving business processing efficiency when the business transacts the financial business of the home run by holding the account of the foreign run.

Description

Service processing method, device, computer equipment and storage medium
Technical Field
The present invention relates to the field of service processing technologies, and in particular, to a service processing method, a device, a computer device, and a storage medium.
Background
With the development of society, banks provide more and more banking businesses for business, such as the present foreign currency funds settlement service provided by the banks to the merchants. When the existing merchant is in a certain bank to transact financial business, if the merchant does not hold a bank card of an entity in the bank, a series of related protocols are signed, and the merchant also needs to undergo layer-by-layer auditing when the financial business of the merchant is subsequently processed, so that the business processing efficiency of the merchant is lower when the merchant holds a foreign account to transact the financial business of the present line.
Disclosure of Invention
The embodiment of the application provides a business processing method, a business processing device, a computer device and a storage medium, which can be used in the financial science and technology or other related fields, and can improve the business processing efficiency of a merchant when the merchant holds a layperson account to transact the financial business of the layperson.
The embodiment of the application provides a service processing method, which comprises the following steps:
when a financial business is received, acquiring merchant attribute information of a target merchant to which the financial business belongs through a financial system, and determining an account held by the target merchant according to the merchant attribute information;
If the account held by the target merchant does not have the account of the line, randomly generating a business code;
generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant;
receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant;
and carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
Correspondingly, the embodiment of the application also provides a service processing device, which comprises:
the information acquisition module is used for acquiring merchant attribute information of a target merchant to which the financial business belongs through a financial system when the financial business is received, and determining an account held by the target merchant according to the merchant attribute information;
the code generation module is used for randomly generating a business code if the account held by the target merchant does not have the account of the line;
The information generation module is used for generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant;
the account opening module is used for receiving the confirmation information of the target merchant on the opening information of the current line of accounts, opening the current line of electronic accounts for the target merchant based on the confirmation information, and associating the current line of electronic accounts with the layed accounts held by the target merchant;
and the transaction module is used for carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
Correspondingly, the embodiment of the application also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the service processing method provided by any one of the embodiments of the application.
Correspondingly, the embodiment of the application also provides a storage medium, wherein the storage medium stores a plurality of instructions, and the instructions are suitable for being loaded by a processor to execute the service processing method.
When receiving a financial service, the embodiment of the application acquires merchant attribute information of a target merchant to which the financial service belongs through a financial system, and determines an account held by the target merchant according to the merchant attribute information; if the account held by the target merchant does not have the account of the line, randomly generating a business code; generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant; receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant; and carrying out financial transactions corresponding to the financial transactions on the home electronic account of the target merchant through the financial system, so that the transaction processing efficiency of the merchant when the merchant holds the foreign account to transact the home financial transaction is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments will be briefly introduced below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a flow chart of a service processing method provided in an embodiment of the present application.
Fig. 2 is a block diagram of a service processing device according to an embodiment of the present application.
Fig. 3 is a schematic structural diagram of a computer device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are only some, but not all, of the embodiments of the present application. All other embodiments, which can be made by those skilled in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.
The embodiment of the application provides a service processing method, a device, a storage medium and computer equipment. Specifically, the service processing method in the embodiment of the present application may be executed by a computer device, where the computer device may be a server or a device such as a terminal. The server may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDNs, basic cloud computing services such as big data and artificial intelligent platforms. The terminal may be, but is not limited to, a smart phone, a desktop computer, a notebook computer, a tablet computer, etc. The terminal and the server may be directly or indirectly connected through wired or wireless communication, which is not limited herein.
For example, the computer device may be a terminal, and when receiving a financial service, the terminal may acquire, through a financial system, merchant attribute information of a target merchant to which the financial service belongs, and determine an account held by the target merchant according to the merchant attribute information; if the account held by the target merchant does not have the account of the line, randomly generating a business code; generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant; receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant; and carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
Based on the above problems, embodiments of the present application provide a service processing method, device, computer device, and storage medium, which can improve service processing efficiency when a merchant holds a layperson account to handle a financial service of the present line.
The following will describe in detail. The following description of the embodiments is not intended to limit the preferred embodiments.
The embodiment of the application provides a service processing method, which can be executed by a terminal or a server, and the embodiment of the application is described by taking the service processing method executed by the terminal as an example.
Referring to fig. 1, fig. 1 is a flow chart of a service processing method according to an embodiment of the present application. The specific flow of the service processing method can be as follows:
101. and when the financial business is received, acquiring the merchant attribute information of the target merchant to which the financial business belongs through a financial system, and determining an account held by the target merchant according to the merchant attribute information.
The financial business is a related business provided by a bank to a merchant, for example, the bank transfers funds to a bank account held by the merchant. The financial system is a system required for processing the financial business, for example, if the financial business is a business, the financial system corresponding to the financial business is a receipt system.
The merchant attribute information of the target merchant includes, but is not limited to, a platform merchant number and a merchant mobile phone number of the merchant on the user operation platform of the present line, where the merchant attribute information of the target merchant is stored on the user operation platform of the present line, so as to obtain corresponding data from the user operation platform of the present line when there is a need, where the merchant attribute information is used to indicate the identity of the target merchant. If the current line is the first resident line, a corresponding information input window can be displayed so that a user can conveniently input own information in the information input window, so that the terminal obtains the merchant attribute information of the target merchant. The home subscriber operation platform is a user platform corresponding to a bank, for example, an open bank platform.
It can be understood that when the terminal receives the financial service, the terminal needs to determine the merchant attribute information of the target merchant to which the financial service belongs, so as to determine the account held by the target merchant based on the merchant attribute information, namely, the account held by the target merchant is determined through the platform merchant number and the merchant mobile phone number of the target merchant, so that corresponding processing is performed based on the account held by the target merchant, thereby realizing accurate processing of the service and improving the efficiency of service processing.
The account held by the target merchant comprises a home line account and/or a foreign line account, wherein the home line account can be a home line electronic account, a bank card account of a home line entity, and the foreign line account can be a foreign line electronic account or a bank card account of a foreign line entity.
In some embodiments, the financial service may be a financial service generated when a relevant staff member in a bank extends a merchant online, and the terminal is caused to perform corresponding processing when receiving the financial service by sending the financial service to the terminal.
102. If the account held by the target merchant does not exist in the account of the current line, a business code is randomly generated.
In this embodiment, after determining an account held by a target merchant, the terminal determines whether the account held by the target merchant includes a current account, and if it is determined that the account held by the target merchant does not include the current account, in order to reduce the auditing time of the merchant and improve the processing efficiency of the financial service of the merchant, a service code may be randomly generated to transact the current electronic account on-line for the target merchant based on the service code.
103. And generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant.
In this embodiment, after a service code is randomly generated by a terminal, the current account opening information corresponding to the target merchant may be generated according to the merchant attribute information and the service code of the target merchant by using a preset account opening service in the financial system, and the current account opening information may be sent to the target merchant in a manner of a short message, a mail, a micro-message, etc., so that the target merchant performs corresponding processing confirmation based on the current account opening information.
If the foregoing account opening information of the present line is a short message to notify the target merchant, the account opening information of the present line may be in the form of a short message link, and after the financial system generates the short message link, the short chain is sent to the OTP system through the gateway, so that the OTP system sends the short message link with a short message.
104. And receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant.
In this embodiment, the terminal may trigger the terminal to open the home electronic account for the target merchant by receiving the confirmation information of the opening information of the home electronic account by the target merchant, and associate the home electronic account of the target merchant with the foreign account held by the target merchant, that is, establish a binding protocol relationship between the home electronic account and the foreign account, so as to implement the opening of the electronic account for the target merchant, and simultaneously perform linkage subscription on the home electronic account and the foreign account, so as to implement a cross-line transaction between the home electronic account and the foreign account.
Specifically, the opening the present-line electronic account for the target merchant based on the confirmation information, and associating the present-line electronic account with the layperson account held by the target merchant may include: and opening a home electronic account for the target merchant on the home user operation platform based on the confirmation information, and associating the home electronic account with a foreign account held by the target merchant.
In some embodiments, the home electronic accounts include, but are not limited to, a first type home electronic account corresponding to a class 2 user and a second type home electronic account corresponding to a class 3 user, where the first type home electronic account is used as a settlement user of a target merchant in a bank for retaining settlement funds. However, under the same name, funds can be directly transferred into the first type home line electronic account through the second type home line electronic account, and the second type home line electronic account can meet the scene requirements corresponding to financial services except the limited limit of single cash-out.
In some embodiments, after receiving the confirmation information of the opening information of the target merchant for the present-line account, the terminal may verify the identity of the target merchant through the present-line user operation platform, and after the verification is successful, the terminal opens the present-line electronic account for the target merchant through the present-line user operation platform, and associates the present-line electronic account with the layership account held by the target merchant.
In some embodiments, when the terminal receives the confirmation information of the target merchant about the opening information of the home line account, the terminal may store, on the home line user operation platform, the home line electronic account opened for the target merchant and association information generated after associating the opened home line electronic account with the foreign line account held by the target merchant, so that the terminal may acquire corresponding data from the home line user operation platform when there is a need. In addition, the home line user operation platform can synchronize the home line electronic account of the target merchant and the association information generated after the opened home line electronic account is associated with the foreign line account held by the target merchant with the internet banking (BIB) service.
In addition, after the electronic account of the present line is opened for the target merchant, the method may further include: the terminal generates a business code corresponding to the financial business of the target merchant so as to realize corresponding financial transaction on the basis of the business code, wherein after the business code is stored on a user operation platform of the home line, and the business code is synchronized in a Business Internet Banking (BIB) service by the user operation platform of the home line.
105. And carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
In this embodiment, after the present electronic account is opened for the target merchant, financial transactions corresponding to financial services can be performed for the present electronic account of the target merchant through the financial system, so as to improve the service processing efficiency when the merchant handles the present financial services while holding the foreign account.
In some embodiments, when the present line electronic account includes a first type present line electronic account and a second type present line electronic account, the performing the financial transaction corresponding to the financial service on the present line electronic account of the target merchant may include: when the financial transaction is a money transfer, transferring the target money corresponding to the financial transaction to the second-type principal electronic account, and transferring the target money to the first-type principal electronic account from the second-type principal electronic account.
The method comprises the steps of receiving a first money transfer request from a first merchant, transferring the first money transfer request to a second merchant, and transferring the first money transfer request to the second merchant by a first money transfer request from the first merchant to the second merchant.
In some embodiments, the financial service is a business in part, the acquiring, by the financial system, merchant attribute information of a target merchant to which the financial service belongs, and determining an account held by the target merchant according to the merchant attribute information may include: acquiring merchant attribute information of a target merchant to which the piece-in service belongs through a receipt system, and determining an account held by the target merchant according to the merchant attribute information;
if the account held by the target merchant does not have the account of the present line, a service code is randomly generated, which may include: the terminal judges whether the account held by the target merchant has the current account or not through a clearing system in the order receiving system, so that a business code is randomly generated when the account held by the target merchant is judged to not have the current account.
The financial transaction corresponding to the financial business is performed on the electronic account of the target merchant through the financial system, including: and calling an intermediate system through a clearing system in the order receiving system, so as to transfer funds to be settled of the business in the line of the target merchant to the electronic account of the target merchant.
In some embodiments, the terminal may preset a funds retention period corresponding to the electronic account of the present bank to realize funds withdrawal in the electronic account of the present bank through the funds retention period, and specifically, after performing a financial transaction corresponding to the financial service on the electronic account of the present bank of the target merchant, the method may further include: and the terminal acquires the retention time of the target funds in the electronic account of the line, wherein the retention time is the funds retention period. And comparing and judging the retention time of the target funds with a preset time threshold, and if the retention time is equal to the preset time threshold, transferring the target funds from the electronic account of the bank to a layperson account held by the target merchant, thereby improving user experience, wherein the preset time threshold can be set by a user so as to meet the personalized requirements of the user, and can also be set by related staff in a bank.
In some embodiments, after conducting the financial transaction corresponding to the financial service on the electronic account of the target merchant, the method may further include: if the terminal receives the presentation information sent by the target merchant, and the current presentation requirement of the target merchant is indicated, funds in the electronic account of the line are transferred from the electronic account of the line to the layed account held by the target merchant, so that user experience is improved.
In some embodiments, after opening the electronic account of the present line for the target merchant, the method further includes: generating a business code corresponding to the financial business of the target merchant; and when the latest financial business is received again, acquiring the home electronic account of the target merchant to which the financial business belongs through the financial system based on the business code, and carrying out financial transaction corresponding to the financial business on the home electronic account of the target merchant.
In some embodiments, if the account held by the target merchant has the account of the current line, acquiring a service code corresponding to the financial service; based on the business codes, the financial system is used for acquiring the electronic account of the target merchant to which the financial business belongs, and financial transactions corresponding to the financial business are carried out on the electronic account of the target merchant, so that financial transactions corresponding to the financial business are carried out through the business codes, and the efficiency of the financial business in business processing is improved.
The embodiment of the application discloses a service processing method, which comprises the following steps: when a financial business is received, acquiring merchant attribute information of a target merchant to which the financial business belongs through a financial system, and determining an account held by the target merchant according to the merchant attribute information; if the account held by the target merchant does not have the account of the line, randomly generating a business code; generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant; receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant; by means of the financial system, financial transactions corresponding to the financial transactions are conducted on the electronic accounts of the target merchants, so that the transaction processing efficiency of the merchants when the merchants hold the foreign accounts to transact the financial transactions of the home rows can be improved.
In order to facilitate better implementation of the service processing method provided by the embodiment of the application, the embodiment of the application also provides a service processing device based on the service processing method. The meaning of the nouns is the same as that in the service processing method, and specific implementation details can refer to the description in the method embodiment.
Referring to fig. 2, fig. 2 is a block diagram of a service processing apparatus according to an embodiment of the present application, where the apparatus includes:
the information acquisition module 201 is configured to acquire, when a financial service is received, merchant attribute information of a target merchant to which the financial service belongs through a financial system, and determine an account held by the target merchant according to the merchant attribute information;
the code generation module 202 is configured to randomly generate a service code if the account held by the target merchant does not have the account of the current line;
the information generating module 203 is configured to generate, according to the preset account provisioning service and the merchant attribute information and the service code, principal account provisioning information corresponding to the target merchant, and send the principal account provisioning information to the target merchant;
an account opening module 204, configured to receive confirmation information of the target merchant about the opening information of the present line of accounts, open the present line of electronic accounts for the target merchant based on the confirmation information, and associate the present line of electronic accounts with a layed account held by the target merchant;
And the transaction module 205 is configured to perform a financial transaction corresponding to the financial transaction on the electronic account of the target merchant through the financial system.
In some embodiments, the financial service is a business-in service, and the information obtaining module 201 includes:
the information acquisition unit is used for acquiring the merchant attribute information of the target merchant to which the business of the part is belonged through the order receiving system and determining an account held by the target merchant according to the merchant attribute information;
the transaction module 205 includes:
and the first money transfer unit is used for transferring the money to be settled of the business to the electronic account of the target merchant through the order receiving system.
In some embodiments, the account provisioning module 204 includes:
and the account opening unit is used for opening the electronic account of the current line for the target merchant on the operation platform of the user of the current line based on the confirmation information and associating the electronic account of the current line with the layerwise account held by the target merchant.
In some embodiments, the service processing apparatus further includes:
the time acquisition module is used for acquiring the retention time of the target funds in the electronic account of the line;
And the fund transfer module is used for transferring the target fund from the electronic account of the home line to the layed account held by the target merchant if the retention time is equal to a preset time threshold.
In some embodiments, the service processing apparatus further includes:
the generation module is used for generating a business code corresponding to the financial business of the target merchant;
and the account acquisition module is used for acquiring the electronic account of the target merchant to which the financial business belongs through the financial system based on the business code when the latest financial business is received again, and carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant.
In some embodiments, the service processing apparatus further includes:
the code acquisition module is used for acquiring a business code corresponding to the financial business if the account of the target merchant has the account of the current line;
and the account acquisition module is used for acquiring the principal electronic account of the target merchant to which the financial business belongs through a financial system based on the business code, and carrying out financial transaction corresponding to the financial business on the principal electronic account of the target merchant.
In some embodiments, the present line electronic account includes a first type of present line electronic account and a second type of present line electronic account, and the transaction module 205 further includes:
and the second money transfer unit is used for transferring the target money corresponding to the financial business to the second-type principal electronic account when the financial transaction is money transfer, and transferring the target money to the first-type principal electronic account from the second-type principal electronic account.
The embodiment of the application discloses a business processing device, when a financial business is received, merchant attribute information of a target merchant to which the financial business belongs is acquired through a financial system through an information acquisition module 201, and an account held by the target merchant is determined according to the merchant attribute information; through the code generation module 202, if the account held by the target merchant does not have the account of the line, a service code is randomly generated; the information generation module 203 is used for generating the account opening information of the line corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the account opening information of the line to the target merchant; receiving, by the account provisioning module 204, confirmation information of the target merchant about the provisioning information of the current line of accounts, provisioning the current line of electronic accounts for the target merchant based on the confirmation information, and associating the current line of electronic accounts with a layed account held by the target merchant; and the transaction module 205 is used for performing financial transactions corresponding to the financial business on the electronic account of the target merchant through the financial system. Therefore, the business processing efficiency of the merchant when the merchant holds the foreign account to transact the financial business of the home country is improved.
Correspondingly, the embodiment of the application also provides computer equipment, which can be a terminal. As shown in fig. 3, fig. 3 is a schematic structural diagram of a computer device according to an embodiment of the present application. The computer device 300 includes a processor 301 having one or more processing cores, a memory 302 having one or more computer readable storage media, and a computer program stored on the memory 302 and executable on the processor. The processor 301 is electrically connected to the memory 302. It will be appreciated by those skilled in the art that the computer device structure shown in the figures is not limiting of the computer device and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.
Processor 301 is a control center of computer device 300 and utilizes various interfaces and lines to connect various portions of the overall computer device 300, and to perform various functions of computer device 300 and process data by running or loading software programs and/or modules stored in memory 302 and invoking data stored in memory 302, thereby performing overall monitoring of computer device 300.
In the embodiment of the present application, the processor 301 in the computer device 300 loads the instructions corresponding to the processes of one or more application programs into the memory 302 according to the following steps, and the processor 301 executes the application programs stored in the memory 302, so as to implement various functions:
when a financial business is received, acquiring merchant attribute information of a target merchant to which the financial business belongs through a financial system, and determining an account held by the target merchant according to the merchant attribute information;
if the account held by the target merchant does not have the account of the line, randomly generating a business code;
generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant;
receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant;
And carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
The specific implementation of each operation above may be referred to the previous embodiments, and will not be described herein.
Optionally, as shown in fig. 3, the computer device 300 further includes: a touch display 303, a radio frequency circuit 304, an audio circuit 305, an input unit 306, and a power supply 307. The processor 301 is electrically connected to the touch display 303, the radio frequency circuit 304, the audio circuit 305, the input unit 306, and the power supply 307, respectively. Those skilled in the art will appreciate that the computer device structure shown in FIG. 3 is not limiting of the computer device and may include more or fewer components than shown, or may be combined with certain components, or a different arrangement of components.
The touch display 303 may be used to display a graphical user interface and receive operation instructions generated by a user acting on the graphical user interface. The touch display 303 may include a display panel and a touch panel. Wherein the display panel may be used to display messages entered by a user or provided to a user as well as various graphical user interfaces of a computer device, which may be composed of graphics, text, icons, video, and any combination thereof. Alternatively, the display panel may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light Emitting Diode (OLED), or the like. The touch panel may be used to collect touch operations on or near the user (such as operations on or near the touch panel by the user using any suitable object or accessory such as a finger, stylus, etc.), and generate corresponding operation instructions, and the operation instructions execute corresponding programs. Alternatively, the touch panel may include two parts, a touch detection device and a touch controller. The touch detection device detects the touch azimuth of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives a touch message from the touch detection device and converts it into touch point coordinates, which are then sent to the processor 301, and can receive commands from the processor 301 and execute them. The touch panel may overlay the display panel, and upon detection of a touch operation thereon or thereabout, the touch panel is passed to the processor 301 to determine the type of touch event, and the processor 301 then provides a corresponding visual output on the display panel in accordance with the type of touch event. In the embodiment of the present application, the touch panel and the display panel may be integrated into the touch display screen 303 to implement the input and output functions. In some embodiments, however, the touch panel and the touch panel may be implemented as two separate components to perform the input and output functions. I.e. the touch-sensitive display 303 may also implement an input function as part of the input unit 306.
The radio frequency circuitry 304 may be used to transceive radio frequency signals to establish wireless communications with a network device or other computer device via wireless communications.
The audio circuit 305 may be used to provide an audio interface between a user and a computer device through a speaker, microphone. The audio circuit 305 may transmit the received electrical signal after audio data conversion to a speaker, and convert the electrical signal into a sound signal for output by the speaker; on the other hand, the microphone converts the collected sound signals into electrical signals, which are received by the audio circuit 305 and converted into audio data, which are processed by the audio data output processor 301 for transmission to, for example, another computer device via the radio frequency circuit 304, or which are output to the memory 302 for further processing. The audio circuit 305 may also include an ear bud jack to provide communication of the peripheral ear bud with the computer device.
The input unit 306 may be used to receive input numbers, character messages or user characteristic messages (e.g., fingerprints, irises, facial messages, etc.), and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.
The power supply 307 is used to power the various components of the computer device 300. Alternatively, the power supply 307 may be logically connected to the processor 301 through a power management system, so as to perform functions of managing charging, discharging, and power consumption management through the power management system. The power supply 307 may also include one or more of any components, such as a direct current or alternating current power supply, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.
Although not shown in fig. 3, the computer device 300 may further include a camera, a sensor, a wireless fidelity module, a bluetooth module, etc., which are not described herein.
In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to related descriptions of other embodiments.
As can be seen from the above, the computer device provided in this embodiment obtains, through a financial system, merchant attribute information of a target merchant to which a financial service belongs when the financial service is received, and determines an account held by the target merchant according to the merchant attribute information; if the account held by the target merchant does not have the account of the line, randomly generating a business code; generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant; receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant; and carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
Those of ordinary skill in the art will appreciate that all or a portion of the steps of the various methods of the above embodiments may be performed by instructions, or by instructions controlling associated hardware, which may be stored in a computer-readable storage medium and loaded and executed by a processor.
To this end, embodiments of the present application provide a computer readable storage medium having stored therein a plurality of computer programs that can be loaded by a processor to perform steps in any of the service processing methods provided by the embodiments of the present application. For example, the computer program may perform the steps of:
when a financial business is received, acquiring merchant attribute information of a target merchant to which the financial business belongs through a financial system, and determining an account held by the target merchant according to the merchant attribute information;
if the account held by the target merchant does not have the account of the line, randomly generating a business code;
generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant;
Receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant;
and carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
The specific implementation of each operation above may be referred to the previous embodiments, and will not be described herein.
Wherein the storage medium may include: a Read Only Memory (ROM), a random access Memory (R client account M, R client account from client account access Memory), a magnetic disk or an optical disk, and the like.
The steps in any service processing method provided in the embodiments of the present application may be executed by the computer program stored in the storage medium, so that the beneficial effects that any service processing method provided in the embodiments of the present application may be achieved, which are detailed in the previous embodiments and are not repeated herein.
The foregoing describes in detail a service processing method, apparatus, computer device and storage medium provided in the embodiments of the present application, and specific examples are applied to illustrate the principles and implementations of the present application, where the foregoing description of the embodiments is only used to help understand the method and core idea of the present application; meanwhile, those skilled in the art will have variations in the specific embodiments and application scope in light of the ideas of the present application, and the present description should not be construed as limiting the present application in view of the above.

Claims (10)

1. A method of service processing, the method comprising:
when a financial service is received, acquiring merchant attribute information of a target merchant to which the financial service belongs through a financial system, and determining an account held by the target merchant according to the merchant attribute information;
if the account held by the target merchant does not have the account of the current line, randomly generating a business code;
generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the service code through a preset account opening service, and sending the principal account opening information to the target merchant;
receiving confirmation information of the target merchant on the opening information of the current line account, opening the current line electronic account for the target merchant based on the confirmation information, and associating the current line electronic account with a foreign line account held by the target merchant;
and carrying out financial transaction corresponding to the financial business on the electronic account of the target merchant through the financial system.
2. The method according to claim 1, wherein the financial business is a business in progress, the acquiring, by a financial system, merchant attribute information of a target merchant to which the financial business belongs, and determining an account held by the target merchant according to the merchant attribute information, includes:
Acquiring merchant attribute information of a target merchant to which the piece-in service belongs through a receiving system, and determining an account held by the target merchant according to the merchant attribute information;
the financial transaction corresponding to the financial business is performed on the electronic account of the target merchant through the financial system, including:
and transferring funds to be settled of the business to the electronic account of the target merchant through the order receiving system.
3. The method of claim 1, wherein the opening the present line of electronic accounts for the target merchant based on the confirmation information and associating the present line of electronic accounts with the layperson account held by the target merchant comprises:
and opening a home electronic account for the target merchant on the home user operation platform based on the confirmation information, and associating the home electronic account with a foreign account held by the target merchant.
4. The method of claim 1, further comprising, after conducting the financial transaction corresponding to the financial transaction with the current electronic account of the target merchant:
acquiring the retention time of the target funds in the electronic account of the line;
And if the retention time is equal to a preset time threshold, transferring the target funds from the electronic account of the current line to a laye account held by the target merchant.
5. The method of claim 1, further comprising, after opening the present line of electronic accounts for the target merchant:
generating a business code corresponding to the financial business of the target merchant;
and when the latest financial business is received again, acquiring a home electronic account of a target merchant to which the financial business belongs through the financial system based on the business code, and carrying out financial transaction corresponding to the financial business on the home electronic account of the target merchant.
6. The method as recited in claim 1, further comprising:
if the account held by the target merchant has the account of the current line, acquiring a service code corresponding to the financial service;
based on the business code, acquiring a principal electronic account of a target merchant to which the financial business belongs through a financial system, and carrying out financial transaction corresponding to the financial business on the principal electronic account of the target merchant.
7. The method of any one of claims 1 to 6, wherein the present line electronic account includes a first type of present line electronic account and a second type of present line electronic account, and the conducting the financial transaction corresponding to the financial transaction with the present line electronic account of the target merchant includes:
When the financial transaction is money transfer, transferring the target money corresponding to the financial service to the second-type principal electronic account, and transferring the target money from the second-type principal electronic account to the first-type principal electronic account.
8. A service processing apparatus, the apparatus comprising:
the information acquisition module is used for acquiring merchant attribute information of a target merchant to which the financial business belongs through a financial system when the financial business is received, and determining an account held by the target merchant according to the merchant attribute information;
the code generation module is used for randomly generating a business code if the account held by the target merchant does not have the account of the line;
the information generation module is used for generating principal account opening information corresponding to the target merchant according to the merchant attribute information and the business code through a preset account opening service, and sending the principal account opening information to the target merchant;
the account opening module is used for receiving confirmation information of the target merchant on the opening information of the current line of accounts, opening the current line of electronic accounts for the target merchant based on the confirmation information, and associating the current line of electronic accounts with the layed accounts held by the target merchant;
And the transaction module is used for carrying out financial transaction corresponding to the financial business on the principal electronic account of the target merchant through the financial system.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor implements the service processing method of any of claims 1 to 7 when the program is executed by the processor.
10. A storage medium storing a plurality of instructions adapted to be loaded by a processor to perform the business processing method of any one of claims 1 to 7.
CN202211606054.3A 2022-12-14 2022-12-14 Service processing method, device, computer equipment and storage medium Pending CN116128619A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202211606054.3A CN116128619A (en) 2022-12-14 2022-12-14 Service processing method, device, computer equipment and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202211606054.3A CN116128619A (en) 2022-12-14 2022-12-14 Service processing method, device, computer equipment and storage medium

Publications (1)

Publication Number Publication Date
CN116128619A true CN116128619A (en) 2023-05-16

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Family Applications (1)

Application Number Title Priority Date Filing Date
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Country Status (1)

Country Link
CN (1) CN116128619A (en)

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