Data processing method and device based on electronic wallet

Abstract

The invention provides a data processing method and device based on an electronic wallet, and the method comprises the steps: building an electronic wallet account object for an electronic wallet building request when the electronic wallet building request transmitted by a front-end system is received; determining one or more business objects associated with the electronic wallet account object; when it is detected that a fund processing event for one or more business objects is triggered, determining first fund data corresponding to the fund processing event; and adjusting the second fund data of the electronic wallet account object with the fund adjustment authority by adopting the first fund data. According to the embodiment of the invention, a threshold-free insurance account is established, channels for insurance refund, compensation payment, insurance product purchase and fund investment are opened, the connection between a bank account and insurance company product services is increased, the delay of customer fund utilization is reduced, the maximum value is created for customers, and the customer experience is improved.

Description

technical field [0001] The present application relates to the technical field of the Internet, in particular to a data processing method and device based on an electronic wallet. Background technique [0002] With the development of society, in order to reduce the losses caused by natural disasters and accidents, the insurance industry came into being. Insurance companies invest the premiums collected in bonds, stocks, loans and other assets, and use the income from these assets to pay the insurance compensation determined by the policy. At the same time, insurance companies also provide customers with wealth management products to help customers manage their money. [0003] In the existing technology, the customer purchases the insurance product of the insurance company for insurance. After the policy becomes effective, the insurance company deducts the renewal premium from the bank account reserved by the customer at the agreed interval. If the bank account reserved by the...

AI Technical Summary

Problems solved by technology

[0003] In the existing technology, the customer purchases the insurance product of the insurance company for insurance. After the policy becomes effective, the insurance company deducts the renewal premium from the bank account reserved by the customer at the agreed interval. If the bank account reserved by the customer is insufficient In other cases, it will lead to the failure of the deduction, which will lead to the invalidation of the policy, and the customer can no longer enjoy the protection qualification

[0004] Moreover, because the bank account number, mobile phone number and other payment information reserved by some customers in the insurance company may not be changed in time, if the user purchases additional insurance products, it will lead to abnormal collection and payment; When refunding and claim settlement, the customer cannot receive the payment in time due to the wrong payment account number, which increases the workload of the customer and the insurance company's operating personnel, prolongs the payment cycle, and reduces the customer's trust in insurance protection

[0005] In addition, the insurance company also sets up a universal account for customers to help them manage their finances. The deposit and transfer out of the universal account are completely operated by the customer, but the funds in the universal account cannot be directly used to purchase insurance products of the insurance company, making the universal account Inefficient operation of funds in the account

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