A data processing method, apparatus, device and medium

Abstract

This application relates to the field of data processing technology, specifically to a data processing method, apparatus, device, and medium for solving the problem of fund security during transactions. The method includes: receiving a fund transfer instruction sent by a pension business information platform; processing the pension account data of the applicant according to the fund transfer instruction to obtain withdrawal record data; processing the virtual account of the sales institution in the pension business system according to the fund transfer instruction to obtain the virtual account's entry record data; receiving a transaction application summary file sent by the pension business information platform; when the applicant's transaction data matches the withdrawal record data, processing the virtual account of the sales institution according to the withdrawal record data, and processing the corporate account data of the sales institution to obtain entry record data.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of data processing, in particular to a data processing method and device, equipment and medium. BACKGROUND

[0002] In the prior art, when a user purchases a financial product in a sales organization, the bank side deducts the amount of the financial product purchased by the user from the bank account of the user according to the user purchase information, and sends the amount to the account of the sales organization corresponding to the financial product. However, when the sales organization side transaction fails and the bank side deduction is successful, the funds have been transferred from the user's account to the account of the sales organization, which is not conducive to the safety of funds. In addition, as a new pension system in China, the bank side fund processing mode of direct selling fund transaction under the pension business is still under exploration, and there is no other implementation scheme at present. SUMMARY

[0003] The embodiments of the present application provide a data processing method, device, equipment and medium, which are used to solve the problem that the safety of funds cannot be guaranteed in the transaction process.

[0004] In a first aspect, the embodiments of the present application provide a data processing method applied to a pension business system, and the method comprises the following steps:

[0005] In the case that a purchaser purchases a pension fund in a sales organization, a fund transfer instruction sent by a pension business information platform is received, and the fund transfer instruction is used to instruct the pension business system to deduct the purchase amount of the pension fund from the pension account of the purchaser;

[0006] According to the fund transfer instruction, the pension account data of the purchaser is processed to obtain down account record data;

[0007] According to the fund transfer instruction, the virtual account of the sales organization in the pension business system is processed to obtain up account record data of the virtual account;

[0008] A transaction application summary file sent by the pension business information platform is received, and the transaction application summary file at least includes transaction data of the purchaser purchasing the pension fund in the sales organization;

[0009] When the transaction data of the purchaser matches the down account record data, the virtual account of the sales organization is processed according to the down account record data, and the public account data of the sales organization is processed to obtain up account record data.

[0010] Based on the above scheme, the purchaser can directly use the pension account to purchase the pension fund product in the sales organization, which expands the variety and investment path of the pension fund selected by the purchaser. From the perspective of the sales organization, the method supports the purchaser to directly purchase the pension fund product in the sales organization, which is beneficial to the marketing of the pension fund product and expands the customer range. Secondly, by establishing a virtual account of the sales organization, the purchase amount is first transferred to the virtual account of the sales organization, and when it is determined that the transaction data in the transaction application summary file matches the account record data, the purchase amount in the virtual account is transferred to the public account of the sales organization. Before being transferred to the public account of the sales organization, data reconciliation verification is performed to ensure the safety and accuracy of the transaction. When an abnormal situation occurs in the transaction, the fund is in the account line, which ensures the safety and accuracy of the fund. In addition, compared with directly transferring each fund from the personal pension account to the public account of the sales organization during the day, the scheme improves the operation efficiency of the whole process.

[0011] In a possible implementation manner, the pension business system comprises a pension account list, the pension account list comprising identification information of pension accounts of a plurality of purchasers, the fund transfer instruction carrying identification information of a pension account of the purchaser and a purchase amount, and the account processing of the pension account data of the purchaser according to the fund transfer instruction to obtain account record data comprising:

[0012] When the identification information of the pension account of the purchaser carried by the fund transfer instruction is included in the pension account list, the account processing of the pension account data of the purchaser according to the purchase amount to obtain account record data.

[0013] Based on the above scheme, before the account processing of the pension account of the purchaser according to the fund transfer instruction, it is checked whether the pension account in the fund transfer instruction is included in the pension business system, thereby improving the safety of the transaction.

[0014] In a possible implementation manner, the pension business system comprises a sales organization list, the sales organization list comprising identification information of a plurality of sales organizations, the fund transfer instruction further carrying identification information of the sales organization, and the account processing of the virtual account data of the sales organization in the pension business system according to the fund transfer instruction to obtain account record data of the virtual account of the sales organization comprising:

[0015] When the identification information of the sales organization carried by the fund transfer instruction is included in the sales organization list, the account processing of the virtual account data of the sales organization in the pension business system according to the fund transfer instruction to obtain account record data.

[0016] In a possible implementation, the method further includes: when the information indicating the transaction state in the transaction data indicates that the transaction is successful and the account deduction record data of the pension account does not match the purchase amount in the transaction data, performing account deduction processing on the virtual account data of the sales institution to obtain account deduction record data, and performing account deposit processing on the pension account data of the purchaser to obtain account deposit record data.

[0017] In a possible implementation, the method further includes: sending a transaction failure notification to the sales institution server, where the transaction failure notification is used to notify that the transaction corresponding to the transaction data fails to generate the purchase of the pension fund.

[0018] Based on the above scheme, the account deduction record data of the pension account and the purchase amount in the transaction data are checked, and the transaction reminder can enable the sales institution server to learn the transaction information in time, and ensure the accuracy of the transaction data.

[0019] In a possible implementation, the method further includes: when the information indicating the transaction state in the transaction data indicates that the transaction fails and the account deduction record data of the pension account is normal, performing account deduction processing on the virtual account data of the sales institution to obtain account deduction record data, and performing account deposit processing on the pension account data of the purchaser to obtain account deposit record data.

[0020] Based on the above scheme, by checking the information indicating the transaction state in the transaction data and the account deduction record data of the pension account, in the case that the sales institution transaction fails and the pension account is normally deducted, the deducted amount is directly returned from the virtual account of the sales institution to the pension account, thereby ensuring the safety of the fund.

[0021] In a possible implementation, the method further includes: when the information indicating the transaction state in the transaction data indicates that the transaction fails and the account deduction record data of the pension account is normal, and the account deposit processing on the pension account data of the purchaser fails, performing account deduction processing on the virtual account data of the sales institution to obtain account deduction record data, and performing account deposit processing on the abnormal order account data and obtaining account deposit record data; wherein the abnormal order account is used to store the fund when the account deposit processing on the pension account data fails.

[0022] In a possible implementation, the method further includes: sending, by the pension business information platform, a fund processing result before a set time to an open-end fund registration and transfer system, where the fund processing result includes the account deduction record data of the pension account of the purchaser and the account deposit record data of the corporate account of the sales institution.

[0023] receive a confirmation reconciliation file sent by the open-end fund registration and transfer system through the pension business information platform, wherein the confirmation reconciliation file is generated by the open-end fund registration and transfer system when confirming the fund processing result;

[0024] generate the right information of the purchaser according to the confirmation reconciliation file, and send the transaction information and the right information to a pension information management service platform, wherein the pension information management service platform is used to provide information support for a supervision platform;

[0025] The transaction information includes the pension account of the purchaser, the identity of the purchaser, the number of the pension fund purchased by the purchaser, the purchase amount, and the account debiting record information of the pension account, and the right information includes the fund number, the holding share, and the holding amount of the fund held by the pension account.

[0026] In a possible implementation manner, the method further includes: determining the total balance of the virtual accounts of the plurality of sales institutions at a first set time point, wherein the first set time point is a time point after the set time point;

[0027] determining a first account debiting total amount according to the account debiting record data of the virtual accounts of the plurality of sales institutions before the set time point, and determining a second account debiting total amount according to the account debiting record data of the public account data of the plurality of sales institutions; when determining that the difference between the first account debiting total amount and the second account debiting total amount is not equal to the total balance of the virtual accounts of the plurality of sales institutions, generating a prompt information, wherein the prompt information is used to prompt that the total balance data fails to be checked.

[0028] Based on the above scheme, the total balance of the virtual accounts, the account debiting total amount of the virtual accounts, and the account debiting total amount of the public accounts are checked, which is beneficial to guarantee the accuracy of the fund.

[0029] In a second aspect, the present application provides a data processing device, which comprises:

[0030] The receiving module is configured to receive a fund transfer instruction sent by a pension business information platform in the case that the purchaser purchases a pension fund in a sales institution, wherein the fund transfer instruction is used to instruct a pension business system to deduct the purchase amount of the pension fund from the pension account of the purchaser;

[0031] The processing module is configured to perform account debiting processing on the pension account data of the purchaser according to the fund transfer instruction to obtain account debiting record data;

[0032] perform account debiting processing on the virtual account of the sales institution in the pension business system according to the fund transfer instruction to obtain account debiting record data of the virtual account;

[0033] receive a transaction application summary file sent by the pension business information platform, the transaction application summary file including at least transaction data of the purchaser purchasing the pension fund at the sales agency;

[0034] when the transaction data of the purchaser matches the account debiting record data, debiting a virtual account of the sales agency according to the account debiting record data and crediting a public account of the sales agency to obtain account crediting record data.

[0035] In a possible implementation, the pension business system includes a pension account list, the pension account list including identification information of pension accounts of a plurality of purchasers, the fund transfer instruction carrying identification information of the pension account of the purchaser and a purchase amount, and the processing module, when debiting the pension account data of the purchaser according to the fund transfer instruction to obtain account debiting record data, is specifically configured to:

[0036] when the identification information of the pension account of the purchaser carried by the fund transfer instruction is included in the pension account list, debiting the pension account data of the purchaser according to the purchase amount to obtain account debiting record data.

[0037] In a possible implementation, the pension business system includes a sales agency list, the sales agency list including identification information of a plurality of sales agencies, and the fund transfer instruction further carrying identification information of the sales agency, and the processing module, when crediting a virtual account of the sales agency in the pension business system according to the fund transfer instruction to obtain account crediting record data of the virtual account, is specifically configured to:

[0038] when the identification information of the sales agency carried by the fund transfer instruction is included in the sales agency list, crediting the virtual account data of the sales agency in the pension business system according to the fund transfer instruction to obtain account crediting record data.

[0039] In a possible implementation, the processing module is further configured to: when information for indicating a transaction state in the transaction data indicates that the transaction is successful and the pension account debiting record data does not match the purchase amount in the transaction data, debiting the virtual account data of the sales agency to obtain account debiting record data and crediting the pension account data of the purchaser to obtain account crediting record data.

[0040] In a possible implementation, the apparatus further includes a sending module; the sending module is configured to send a transaction failure notification to the sales agency server, where the transaction failure notification is used to notify the transaction data corresponding to the subscriber to purchase the pension fund resulting in a transaction failure.

[0041] In a possible implementation, the processing module is further configured to: when the information used to indicate the transaction state in the transaction data indicates a transaction failure and the account record data of the pension account is normal, perform account debiting processing on the virtual account data of the sales agency to obtain account debiting record data, and perform account crediting processing on the pension account data of the subscriber to obtain account crediting record data.

[0042] In a possible implementation, the processing module is further configured to: when the information used to indicate the transaction state in the transaction data indicates a transaction failure and the account record data of the pension account is normal, and the account crediting processing on the pension account data of the subscriber fails, perform account debiting processing on the virtual account data of the sales agency to obtain account debiting record data, and perform account crediting processing on the abnormal order placement account data to obtain account crediting record data; where the abnormal order placement account is used to store the funds when the account crediting processing on the pension account data fails.

[0043] In a possible implementation, the apparatus includes a sending module; the sending module is configured to send, through the pension business information platform, a fund processing result before a set time to an open-end fund registration and transfer system, where the fund processing result includes account debiting record data of the pension account of the subscriber and account crediting record data of the current account of the sales agency.

[0044] The receiving module is further configured to receive, through the pension business information platform, a confirmation reconciliation file sent by the open-end fund registration and transfer system; the confirmation reconciliation file is generated by the open-end fund registration and transfer system when confirming the fund processing result.

[0045] The sending module is further configured to generate, according to the confirmation reconciliation file, the right information of the subscriber, and send transaction information and the right information to a pension information management service platform, where the pension information management service platform is used to provide information support for a supervision platform.

[0046] The transaction information includes the pension account of the subscriber, the identity of the subscriber, the number of the pension fund purchased by the subscriber, the purchase amount, and the account debiting record information of the pension account, and the right information includes the fund number held by the pension account, the holding share, and the holding amount.

[0047] In a possible implementation manner, the processing module is further configured to: determine a total balance of the virtual accounts of the plurality of sales institutions at a first setting time point, the first setting time point being a time point after the setting time point; determine a first total deposit amount according to the deposit record data of the virtual accounts of the plurality of sales institutions before the setting time point, and determine a second total deposit amount according to the deposit record data of the public account data of the plurality of sales institutions; and when determining that a difference between the first total deposit amount and the second total deposit amount is not equal to the total balance of the virtual accounts of the plurality of sales institutions, generate a prompt information, the prompt information being used to prompt that the total balance data fails to be checked.

[0048] In a third aspect, the present application provides an execution device, comprising:

[0049] a memory configured to store program instructions;

[0050] a processor configured to invoke the program instructions stored in the memory, and execute the method of the first aspect and the method of different implementation manners in the first aspect according to the obtained program instructions.

[0051] In a fourth aspect, the present application provides a computer readable storage medium, the computer readable storage medium stores a computer program, the computer program comprises program instructions, and the program instructions, when executed by a computer, cause the computer to execute the method of the first aspect and the method of different implementation manners in the first aspect.

[0052] In a fifth aspect, the present application provides a computer program product, the computer program product comprises computer program codes, and the computer program codes, when executed on a computer, cause the computer to execute the method of the first aspect and the method of different implementation manners in the first aspect.

[0053] In addition, the technical effects brought by any one of the implementation manners of the second aspect to the fifth aspect can refer to the technical effects brought by the first aspect and the implementation manners of the first aspect, which will not be described here. BRIEF DESCRIPTION OF DRAWINGS

[0054] In order to more clearly illustrate the technical solutions of the embodiments of the present application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiment or prior art description. Obviously, the drawings in the following description are some embodiments of the present application, and those skilled in the art can also obtain other drawings according to these drawings without creative labor.

[0055] Figure 1A The service system architecture diagram provided by the embodiment of the present application;

[0056] Figure 1B The server structure diagram provided by the embodiment of the present application;

[0057] Figure 2 A flowchart illustrating a data processing method provided in an embodiment of this application;

[0058] Figure 3 A structural diagram of a data processing apparatus provided in an embodiment of this application;

[0059] Figure 4 This is a schematic diagram of the structure of an execution device provided in an embodiment of this application. Detailed Implementation

[0060] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions in the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application. Unless otherwise specified, the embodiments and features in the embodiments of this application can be arbitrarily combined with each other. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than that shown here.

[0061] The terms "first" and "second" in the specification, claims, and accompanying drawings of this application are used to distinguish different objects, not to describe a specific order. Furthermore, the term "comprising" and any variations thereof are intended to cover non-exclusive protection. For example, a process, method, system, product, or device that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units not listed, or may optionally include other steps or units inherent to these processes, methods, products, or devices. The term "multiple" in this application can mean at least two, for example, two, three, or more, and the embodiments of this application do not impose limitations.

[0062] The data collection, dissemination, and use in this application all comply with relevant national laws and regulations.

[0063] Before introducing the data processing method provided in the embodiments of this application, for ease of understanding, the technical background of the embodiments of this application will be described in detail below.

[0064] Currently, China's aging population is becoming increasingly serious, prompting the government to focus on the pension sector. China's current pension security system mainly consists of the first and second pillars. The first pillar (basic pension insurance) primarily aims to ensure basic pension income for citizens and prevent poverty in the elderly, serving as a safety net guaranteed by government funding. The second pillar (enterprise annuities / occupational annuities) aims to increase employee pension income. However, everyone has different pension needs, making the development of a multi-tiered pension security system urgent, leading to the emergence of the third pillar. The third pillar is an account-based personal pension system with voluntary participation, government tax support, and market-oriented investment and operation of funds. Customers can open a unique personal pension fund account at a bank and deposit funds into it. Upon reaching the eligibility criteria (such as retirement), they can receive benefits for retirement. Funds in this account can be invested in personal pension products, either through the bank or by purchasing direct-sale products from sales institutions. As a new pension system in China, the bank-side fund settlement model for direct-sale fund transactions under this business model is still under exploration, and there are currently no other feasible solutions.

[0065] To address the aforementioned issues, this application provides a data processing method, apparatus, and medium. By setting up a virtual account for the sales institution within the pension fund business system, upon receiving a payment instruction from a subscriber to purchase funds through the sales institution, the purchase amount is transferred to the sales institution's virtual account. Upon receiving a transaction application summary file from the sales institution and verifying its accuracy, the purchase amount is transferred to the sales institution's corporate account. This effectively prevents the purchase amount from being directly refunded to the pension account when the sales institution's transaction fails but the pension account deduction is successful, thus ensuring fund security.

[0066] Figure 1AAn exemplary business system architecture applicable to embodiments of this application is illustrated. This system architecture may include a pension business system 100, a sales institution system 200, a pension business information platform 300, and a pension information management service platform 400. The sales institution system 200 can be implemented through one or more servers. After a subscriber purchases a fund through the sales institution system 200, it generates purchase application information and fund transfer instructions, which are sent to the pension business information platform 300, or generates a transaction application summary file and sends it to the pension business information platform 300. The pension business information platform 300 interfaces with the sales institution system 200 and the pension business system 100, and is responsible for verifying and transferring purchase application information, transaction information, and fund transfer instructions after the subscriber purchases a fund. The pension information management service platform 400 is used to interface with compliant bank, financial industry platforms, and tax authorities, providing information support for the operation and supervision of individual pension funds. The pension business system 100 can be implemented through execution devices, which can be implemented by one or more servers. Figure 1A Taking three servers as an example, server 500 can be implemented using a physical server or a virtual server. A server can be implemented as a single server or as a server cluster. A single server or a server cluster can be used to implement the data processing method provided in this application. The execution device can be used to implement the data processing method provided in the embodiments of this application.

[0067] As an example, see Figure 1B As shown, the server 500 may include a processor 510, a communication interface 520, and a memory 530. Of course, the server 500 may also include other components. Figure 1B Not shown in the image.

[0068] The communication interface 520 is used to communicate with the pension business information platform 300 and the pension information management service platform 400, sending transaction information and rights information to the pension information management service platform 400. Alternatively, it can receive fund transfer instructions from the pension business information platform 300 and transfer funds to the pension account according to the instructions.

[0069] Processor 510 is the control center of server 500. It connects various parts of server 500 through various interfaces and routes. By running or executing software programs and / or modules stored in memory 530, and by calling data stored in memory 530, it performs various functions of server 500 and processes data. Processor 510 can be, for example, a processor, microprocessor, controller, or other control component. It can be a general-purpose central processing unit (CPU), a general-purpose processor, a digital signal processing unit (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof.

[0070] The memory 530 can be used to store software programs and modules. The processor 510 executes various functional applications and data processing by running the software programs and modules stored in the memory 530. The memory 530 may mainly include a program storage area and a data storage area. The program storage area may store the operating system, application programs required for at least one function, etc.; the data storage area may store data created according to business processing, etc. As a non-volatile computer-readable storage medium, the memory 530 can be used to store non-volatile software programs, non-volatile computer-executable programs, and modules. The memory 530 may include at least one type of storage medium, such as flash memory, hard disk, multimedia card, card-type memory, random access memory (RAM), static random access memory (SRAM), programmable read-only memory (PROM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), magnetic memory, disk, optical disk, etc. The memory 530 is any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but is not limited thereto. The memory 530 in this embodiment can also be a circuit or any other means capable of implementing storage functions for storing program instructions and / or data.

[0071] It should be noted that the above Figure 1A and Figure 1B The structure shown is merely an example, and the embodiments of the present invention are not limited thereto.

[0072] This application provides a data processing method. Figure 2 An exemplary data processing method flow is illustrated, which can be executed by an execution device. For example, it can be implemented by one or more servers, or by a processor within a server, or by one or more modules of a processor. The specific flow is as follows:

[0073] 201. When a subscriber purchases a pension fund through a sales institution, they receive a fund transfer instruction sent by the pension business information platform.

[0074] In some embodiments, when an applicant purchases a pension fund through a sales institution, the sales institution's server generates purchase application information and a fund transfer instruction, which is then sent to the pension business information platform. The purchase application information includes the applicant's personal information, pension account, fund to be purchased, purchase amount, and purchase method, etc. After receiving the purchase application information, the pension business information platform verifies it. If the verification is successful, the pension business system receives the fund transfer instruction from the pension business information platform. This fund transfer instruction instructs the pension business system to deduct the purchase amount of the pension fund from the applicant's pension account. In some scenarios, the pension business system may be referred to as the personal pension business system.

[0075] 202. Based on the fund transfer instructions, the pension account data of the applicants is processed to obtain the debit record data.

[0076] In some embodiments, the pension service system includes a list of pension accounts, which contains identification information for the pension accounts of multiple applicants. A fund transfer instruction carries the applicant's pension account identification information and the purchase amount. When the pension service system receives a fund transfer instruction, and determines that the pension account list includes the pension account identification information of the applicant carried in the fund transfer instruction, it processes the applicant's pension account data according to the purchase amount to obtain the debit record data. In some scenarios, before processing the debit of the applicant's pension account data, it is also necessary to verify whether the pension account status is normal. When the pension account status is normal, the debit of the applicant's pension account data is processed.

[0077] In some embodiments, the pension fund business system also includes a list of pension funds, which includes identification information for multiple pension funds published by the Ministry of Human Resources and Social Security. The fund transfer instruction carries the identification information of the pension fund purchased by the subscriber. Before processing the subscriber's pension account data to obtain the transfer record data, it is determined that the pension fund list includes the identification information of the pension fund purchased by the subscriber in the fund transfer instruction.

[0078] In some embodiments, when processing the pension account data of applicants based on the purchase amount to obtain the debit record data, the core deposit component can be used to process the pension account data, and the debit record data can be obtained through the accounting engine component. In some scenarios, the debit record data can be sent to the applicant, the pension business information platform, and the sales institution's server.

[0079] 203. Based on the fund transfer instructions, the sales institution's virtual account is processed in the pension business system to obtain the virtual account's account transfer record data.

[0080] In some embodiments, the pension fund business system includes a list of sales institutions, which contains identification information for multiple sales institutions. Fund transfer instructions also carry the identification information of the sales institutions. The process of recording transactions in the virtual accounts of the sales institutions within the pension fund business system according to the fund transfer instructions to obtain the virtual account transaction record data can be achieved as follows: when the list of sales institutions includes the identification information of the sales institutions carried in the fund transfer instructions, the virtual account data of the sales institutions is recorded in the pension fund business system according to the fund transfer instructions to obtain the transaction record data. In some embodiments, the virtual accounts of the sales institutions can be recorded using the core deposit component, and the transaction record data of the virtual accounts can be obtained through the accounting engine component.

[0081] 204. Receive the transaction application summary file sent by the pension business information platform.

[0082] In some embodiments, the transaction application summary file includes at least the transaction data of the subscribers purchasing pension funds at the sales institution. In some scenarios, the transaction application file may include transaction data of multiple subscribers purchasing pension funds at the sales institution before a set time (e.g., during the day on day T). After the set time (e.g., at the end of day T), the sales institution generates a transaction application summary file of the multiple pension fund purchase transactions before the set time and sends the transaction application file to the pension business information platform. After the pension business information platform verifies that there are no errors, the pension business system receives the transaction application summary file sent by the pension business information platform.

[0083] 205. When the subscriber's transaction data matches the closing record data, the virtual account of the sales institution is closed based on the closing record data, and the corporate account data of the sales institution is opened to obtain the opening record data.

[0084] In some embodiments, when the subscriber's transaction data matches the withdrawal record data, the core deposit component can process the withdrawal of funds from the sales institution's virtual account based on the withdrawal record data. For example, if the purchase amount in the subscriber's transaction data in the transaction application summary file is 1,000 yuan, and the withdrawal record data indicates a withdrawal amount of 1,000 yuan, then the subscriber's transaction data matches the withdrawal record data. In some scenarios, when the sales institution's corporate account and pension account are on the same bank, the core deposit component can process the withdrawal of funds from the sales institution's corporate account (transferring the purchase amount from the virtual account to the sales institution's corporate account), and the accounting engine component can obtain the withdrawal record data for the corporate account. In other scenarios, when the sales institution's corporate account and pension account are not on the same bank, the payment settlement component can process the withdrawal of funds from the sales institution's corporate account (transferring the purchase amount from the virtual account to the sales institution's corporate account), and the accounting engine can obtain the withdrawal record data for the corporate account.

[0085] In some embodiments, when the information indicating the transaction status in the transaction data indicates a successful transaction but the pension account debit record data does not match the purchase amount in the transaction data, the sales institution's virtual account data is debited to obtain debit record data, and the applicant's pension account data is credited to obtain credit record data. For example, when the information indicating the transaction status in the transaction data indicates a successful transaction, the purchase amount in the transaction data is 1000 yuan, and the purchase amount in the pension account debit record data is 800 yuan, the pension account debit record data does not match the purchase amount in the transaction data. Further, the sales institution's virtual account data can be debited to obtain debit record data, and the applicant's pension account data can be credited to obtain credit record data. That is, the amount in the virtual account is returned to the pension account. In some scenarios, when the information indicating the transaction status in the transaction data indicates a successful transaction but the pension account debit record data does not match the purchase amount in the transaction data, a transaction failure notification can be sent to the sales institution's server. The transaction failure notification is used to notify the applicant corresponding to the transaction data of the transaction failure in purchasing the pension fund.

[0086] In some embodiments, when the transaction status information in the transaction data indicates a transaction failure but the pension account debit record data is normal, the sales institution's virtual account data is debited to obtain debit record data, and the applicant's pension account data is credited to obtain credit record data. In some scenarios, if the crediting of the applicant's pension account data fails due to pension account anomalies or network anomalies, the abnormal pending order account data can be credited to obtain credit record data. The abnormal pending order account is used to store funds when the crediting of pension account data fails.

[0087] Based on the above solution, by establishing virtual accounts for sales agencies, the pension fund system deducts funds from the pension fund account to the sales agency's virtual account after daytime transactions are completed. After end-of-day reconciliation, the funds are then transferred from the sales agency's virtual account to its corporate account. This model allows for automatic reversal at the end of the day in cases where the sales agency fails to complete the transaction but the bank successfully deducts funds, returning the funds to the customer and ensuring fund security. Furthermore, compared to directly transferring each transaction from the pension fund account to the sales agency's corporate account during the day, this method improves the overall operational efficiency.

[0088] In some embodiments, after a set time, the total balance of virtual accounts of multiple sales institutions can be determined. A first total balance is determined based on the account opening records of the virtual accounts of multiple sales institutions before the set time, and a second total balance is determined based on the account opening records of the corporate accounts of multiple sales institutions. When the difference between the first and second total balances is not equal to the total balance of the virtual accounts of multiple sales institutions, a reminder message is generated to indicate that the total balance data verification has failed. Specifically, the core deposit component pushes the daily deposit account balance to the general ledger component, the payment and settlement component pushes the inter-institutional clearing account balance to the general ledger component, and the personal pension business system pushes the point-in-time data of virtual accounts and their accounting account balances to the general ledger component. The general ledger component performs financial reconciliation; if the reconciliation is inconsistent, it notifies the accounting engine and the pension business system.

[0089] As an example, at 0:30 on T+1 day, the core deposit component can determine the first total deposit amount based on the deposit record data prior to the set time, such as a first total deposit amount of 12,000 yuan. Based on the deposit record data of multiple sales institutions' corporate accounts, a second total deposit amount is determined, i.e., 11,000 yuan. Further, the total balance of the virtual accounts of multiple sales institutions is determined. If the total balance of the virtual accounts of multiple sales institutions is 1,000 yuan, the verification is successful. If the total balance of the virtual accounts of multiple sales institutions is not 1,000 yuan, the verification fails, and a reminder message is generated to indicate that the total balance data verification failed.

[0090] In some embodiments, the pension business information platform sends the fund processing results prior to a set time to the open-ended fund registration and transfer system (TransferAgent system, TA system). These fund processing results include the debit record data of the subscriber's pension account and the credit record data of the sales institution's corporate account. In some scenarios, on T+1 day, the pension business system sends the intraday fund processing results (prior to the set time) of day T to the pension business information platform, which then forwards them to the sales institution's server. After receiving the fund processing results, the sales institution's server sends the fund processing results prior to the set time to the open-ended fund registration and transfer system (TA system) on T+1 or T+2 day. Furthermore, the pension business system can receive confirmation reconciliation files sent by the open-ended fund registration and transfer system through the pension business information platform. These confirmation reconciliation files are generated by the open-ended fund registration and transfer system when confirming the fund processing results and include transaction confirmation data and share reconciliation files. Further, the subscriber's equity information can be generated based on the confirmation reconciliation files, and the transaction information and the equity information can be sent to the pension information management service platform. Among them, the pension information management service platform can be the human resources and social security information platform, used to provide information support for the regulatory platform. Transaction information includes the applicant's pension account, the applicant's identity identifier, the number of the pension fund purchased by the applicant, the purchase amount, and the pension account's withdrawal record information. Rights information includes the fund number, holding shares, and holding amount held by the pension account, etc.

[0091] As an example, the data processing flow after a subscriber purchases a fund is as follows:

[0092] During the daytime, when a subscriber purchases a pension fund product through a sales institution, they select the relevant fund product and enter application information such as the purchase amount. The sales institution receives the subscriber's fund transaction application, verifies it, generates a fund transfer instruction, and sends it to the pension business information platform. Upon receiving the fund transfer instruction, the pension business information platform verifies the transaction application and the subscriber's identity information. If the verification is successful, the platform forwards the fund transfer instruction to the personal pension business system. Upon receiving the fund transfer instruction, the personal pension business system verifies whether the subscriber's personal pension account identification information exists in the fund transfer instruction and whether the personal pension account's status is normal. In some scenarios, when it is determined that the sales institution list in the personal pension business system includes the sales institution identification information carried in the fund transfer instruction, and the pension fund list includes the identification information of the pension fund purchased by the subscriber in the fund transfer instruction, the core deposit component is notified to deduct the funds. This can also be understood as follows: After receiving a fund transfer instruction in the personal pension business system, the system verifies the applicant's identity (whether they have a personal pension account at the bank listed in the personal pension business system and whether its status is normal), whether the sales institution is a cooperating sales institution of the personal pension business system, and whether the purchased pension fund is a pension fund listed in the product catalog issued by the Ministry of Human Resources and Social Security. If the verification is correct, the core deposit component is notified to process the personal pension account data for debiting and the sales institution's virtual account data for crediting. The accounting engine component is notified to record the transaction (one-sided record: the debit record data of the personal pension account), and the result is simultaneously fed back to the personal pension business system. The personal pension business system records the transaction in the virtual account and notifies the accounting engine component to record the transaction (one-sided record: the credit record data of the virtual account). Simultaneously, the deduction result is fed back to the pension business information platform. In other words, the core deposit component deducts funds from the personal pension account to the sales institution's virtual account and notifies the accounting engine component to record the transaction. The pension business information platform feeds back the processing result to the sales institution, which then further feeds back the processing structure to the applicant.

[0093] At the end of the day, the sales agency sends a summary of the day's transaction applications to the pension business information platform. After verification, the platform forwards the summary to the individual pension business system. The individual pension business system then parses the summary to obtain transaction data and reconciles the applicant's data with the posting records (or reconciles the daytime fund transfer instructions with the transaction data). Once verified, the accounting engine component processes the posting to the sales agency's virtual account and updates the data to the sales agency's corporate account. In some scenarios, when the sales agency's corporate account is with the same bank as the individual pension business system, the core deposit component processes the posting of the purchase amount from the virtual account and updates the data to the sales agency's corporate account (i.e., the core deposit component transfers funds from the virtual account to the sales agency's corporate account). In some scenarios, when the sales agency's corporate account is not the same as the account of the bank where the personal pension business system is located, the payment and settlement component will process the purchase amount in the virtual account to be credited to the sales agency's corporate account and process the purchase amount in the virtual account to be credited to the sales agency's corporate account (that is, the payment and settlement component will transfer the funds in the virtual account to the sales agency's corporate account).

[0094] In some scenarios, discrepancies may occur when verifying the transaction data and payment records of subscribers: If the sales institution records a successful transaction, but the bank fails to deduct the payment (the payment record data in the pension account does not match the purchase amount in the transaction data), the transaction will not be processed (considered a failed transaction). The personal pension business system must notify the sales institution of this situation before 19:00 on day T, and the sales institution will not report the transaction to the open-ended fund registration and settlement system (TA system). In other scenarios, if the transaction fails in the sales institution's records but the bank successfully deducts the payment, the transaction will not be processed (the funds will not be transferred from the virtual account to the sales institution's corporate account). The personal pension business system will automatically reverse the deduction (returning the funds from the virtual account to the personal pension account). If a reversal is not possible, the funds will be suspended (transferring the funds from the virtual account to the abnormal pending account).

[0095] In some scenarios, at 0:30 on T+1 day, the core deposit component pushes the day's deposit account balances to the general ledger component, the payment and settlement component pushes the inter-institutional clearing account balances to the general ledger component (i.e., sending the closing record data of virtual accounts to the general ledger component), and the personal pension business system pushes the point-in-time data of virtual accounts and their accounting account balances to the general ledger component (i.e., sending the opening record data and balance data of virtual accounts to the general ledger component). The general ledger component performs financial reconciliation; if discrepancies are found, it notifies the accounting engine and the personal pension business system for manual processing.

[0096] In some scenarios, on day T+1, the personal pension business system will compile and send the fund settlement result file (i.e., fund processing structure) for day T to the pension business information platform. The pension business information platform verifies the file and records the fund collection data, while forwarding it to the sales institution. The sales institution receives the fund settlement result file and records it.

[0097] In some scenarios, on T+1 / T+2 days, after each sales agency reports to the TA system and confirms the results, it submits a confirmation and reconciliation file for the transaction on day T to the pension business information platform. After verification by the pension business information platform, the file is recorded and forwarded to the individual pension business system. The individual pension business system then compiles the transaction confirmation and share reconciliation files and sends the individual pension account transaction information and changes in rights to the social security information platform (pension information management service platform).

[0098] Based on the same inventive concept, this application provides a data processing device 600, referring to... Figure 3 As shown. The device 600 can perform each step of the above-described fund transaction processing method, which will not be described in detail here to avoid repetition. The device 600 includes a receiving module 601 and a processing module 602.

[0099] The receiving module 601 is used to receive a fund transfer instruction sent by the pension business information platform when the subscriber purchases pension funds through a sales institution. The fund transfer instruction is used to instruct the pension business system to deduct the purchase amount of the pension fund from the subscriber's pension account.

[0100] Processing module 602 is used to process the pension account data of the applicant according to the fund transfer instruction to obtain the withdrawal record data;

[0101] According to the fund transfer instruction, the sales institution's virtual account in the pension business system is processed to obtain the virtual account's account entry record data;

[0102] The system receives a transaction application summary file sent by the pension business information platform, wherein the transaction application summary file includes at least the transaction data of the subscriber purchasing the pension fund at the sales institution;

[0103] When the transaction data of the subscriber matches the closing record data, the virtual account of the sales agency is closed according to the closing record data, and the corporate account data of the sales agency is opened to obtain the opening record data.

[0104] In some embodiments, the pension service system includes a list of pension accounts, which includes identification information of the pension accounts of multiple applicants. The fund transfer instruction carries the identification information of the applicant's pension account and the purchase amount. The processing module 602, when processing the pension account data of the applicant according to the fund transfer instruction to obtain the closing record data, is specifically used for:

[0105] When the list of pension accounts includes the identification information of the applicant's pension account carried in the fund transfer instruction, the pension account data of the applicant is processed to obtain the withdrawal record data according to the purchase amount.

[0106] In some embodiments, the pension service system includes a list of sales institutions, which includes identification information for multiple sales institutions. The fund transfer instruction also carries the identification information of the sales institution. The processing module 602, when processing the virtual accounts of the sales institutions in the pension service system according to the fund transfer instruction to obtain the virtual account's account entry record data, is specifically used for:

[0107] When the list of sales institutions includes the identification information of the sales institution carried in the fund transfer instruction, the virtual account data of the sales institution is processed in the pension business system according to the fund transfer instruction to obtain the account record data.

[0108] In some embodiments, the processing module 602 is further configured to: when the information in the transaction data indicating the transaction status indicates that the transaction was successful and the pension account debit record data does not match the purchase amount in the transaction data, perform debit processing on the virtual account data of the sales institution to obtain debit record data, and perform credit processing on the pension account data of the applicant to obtain credit record data.

[0109] In some embodiments, the apparatus further includes a sending module 603; the sending module 603 is used to send a transaction failure notification to the sales agency server, the transaction failure notification being used to notify the subscriber corresponding to the transaction data of the transaction failure in purchasing the pension fund.

[0110] In some embodiments, the processing module 603 is further configured to: when the information in the transaction data used to indicate the transaction status indicates that the transaction has failed and the pension account debit record data is normal, process the virtual account data of the sales institution to obtain debit record data, and process the pension account data of the applicant to obtain credit record data.

[0111] In some embodiments, the processing module 602 is further configured to: when the information in the transaction data indicating the transaction status indicates a transaction failure and the pension account debit record data is normal, but the debit processing of the applicant's pension account data fails, process the debit of the sales institution's virtual account data to obtain debit record data, process the debit of abnormal pending order account data to obtain debit record data; wherein, the abnormal pending order account is used to store funds when the debit processing of pension account data fails.

[0112] In some embodiments, the sending module 603 is further configured to send the fund processing results before a set time to the open-ended fund registration and transfer system through the pension business information platform. The fund processing results include the debit record data of the applicant's pension account and the credit record data of the sales institution's corporate account.

[0113] The receiving module 601 is also used to receive a confirmation reconciliation file sent by the open-ended fund registration and transfer system through the pension business information platform; the confirmation reconciliation file is generated by the open-ended fund registration and transfer system when confirming the fund processing result;

[0114] The sending module 603 is further configured to generate the rights and interests information of the subscriber based on the confirmation reconciliation file, and send the transaction information and the rights and interests information to the pension information management service platform, which is used to provide information support to the regulatory platform;

[0115] The transaction information includes the subscriber's pension account, the subscriber's identity identifier, the pension fund number purchased by the subscriber, the purchase amount, and the pension account's transaction history. The equity information includes the fund number, the number of shares held, and the amount held by the pension account.

[0116] In some embodiments, the processing module 602 is further configured to: determine the total balance of the virtual accounts of multiple sales agencies at a first set time, wherein the first set time is a time after the set time; determine a first total amount of funds deposited based on the deposit record data of the virtual accounts of the multiple sales agencies before the set time, and determine a second total amount of funds deposited based on the deposit record data of the corporate accounts of the multiple sales agencies; when the difference between the first total amount of funds deposited and the second total amount of funds deposited is determined to be unequal to the total balance of the virtual accounts of the multiple sales agencies, generate a reminder message, wherein the reminder message is used to indicate that the total balance data verification has failed.

[0117] Based on the same inventive concept, this application provides an execution device that can realize the functions of the data processing device described above. Please refer to... Figure 4The device includes a memory 701 and a processor 702.

[0118] The memory 701 is used to store program instructions;

[0119] The processor 702 is used to call the program instructions stored in the memory and execute the above data processing method according to the obtained program.

[0120] In the embodiments of this application, the processor 702 may be a general-purpose processor, a digital signal processor, an application-specific integrated circuit, a field-programmable gate array or other programmable logic device, a discrete gate or transistor logic device, or a discrete hardware component, capable of implementing or executing the methods, steps, and logic block diagrams disclosed in the embodiments of this application. The general-purpose processor may be a microprocessor or any conventional processor, etc. The steps of the methods disclosed in the embodiments of this application can be directly manifested as being executed by a hardware processor, or being executed by a combination of hardware and software modules in the processor.

[0121] Memory 701, as a non-volatile computer-readable storage medium, can be used to store non-volatile software programs, non-volatile computer-executable programs, and modules. Memory 701 may include at least one type of storage medium, such as flash memory, hard disk, multimedia card, card-type memory, random access memory (RAM), static random access memory (SRAM), programmable read-only memory (PROM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), magnetic storage, magnetic disk, optical disk, etc. Memory 701 can be any other medium capable of carrying or storing desired program code in the form of instructions or data structures that can be accessed by a computer, but is not limited thereto. Memory 701 in the embodiments of this application may also be a circuit or any other device capable of implementing storage functions for storing program instructions and / or data.

[0122] Based on the same inventive concept, embodiments of this application provide a computer-readable storage medium storing a computer program. The computer program includes program instructions, which, when executed by a computer, cause the computer to perform any of the data processing methods discussed above. Since the principle by which the computer-readable storage medium solves the problem is similar to that of the data processing method, the implementation of the computer-readable storage medium can be referred to the implementation of the method, and repeated details will not be elaborated further.

[0123] Based on the same inventive concept, this application also provides a computer program product, which includes computer program code. When the computer program code is run on a computer, it causes the computer to execute any of the data processing methods described above. Since the principle by which the above computer program product solves the problem is similar to that of the data processing method, the implementation of the above computer program product can be referred to the implementation of the method, and repeated details will not be described again.

[0124] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0125] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to this application. It should be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in one or more blocks of the flowchart illustrations and / or one or more blocks of the block diagrams.

[0126] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means that implement the functions specified in one or more flowcharts and / or one or more block diagrams.

[0127] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, such that the instructions, which execute on the computer or other programmable apparatus, provide steps for implementing the functions specified in one or more flowcharts and / or one or more block diagrams.

[0128] Obviously, those skilled in the art can make various modifications and variations to this application without departing from the scope of this application. Therefore, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application also intends to include such modifications and variations.

Claims

1. A data processing method, characterized by, The method is applied to a pension fund business system, and the method comprises the following steps: In the case that a purchaser purchases a pension fund in a sales institution, a fund transfer instruction sent by a pension fund business information platform is received, the fund transfer instruction being used to instruct the pension fund business system to deduct a purchase amount of the pension fund from a pension fund account of the purchaser; According to the fund transfer instruction, account debiting processing is performed on the pension fund account data of the purchaser to obtain account debiting record data; According to the fund transfer instruction, account crediting processing is performed on a virtual account of the sales institution in the pension fund business system to obtain account crediting record data of the virtual account; A transaction application summary file sent by the pension fund business information platform is received, the transaction application summary file at least comprising transaction data of the purchaser purchasing the pension fund in the sales institution; When the transaction data of the purchaser matches the account debiting record data, account debiting processing is performed on the virtual account of the sales institution according to the account debiting record data, and account crediting processing is performed on the data of a public account of the sales institution to obtain account crediting record data; When information indicating a transaction state in the transaction data indicates that the transaction is successful and the account debiting record data of the pension fund account does not match the purchase amount in the transaction data, account debiting processing is performed on the virtual account data of the sales institution to obtain account debiting record data, and account crediting processing is performed on the data of the pension fund account of the purchaser to obtain account crediting record data.

2. The method of claim 1, wherein, The pension fund business system comprises a pension fund account list, the pension fund account list comprising identification information of pension fund accounts of a plurality of purchasers, the fund transfer instruction carrying the identification information of the pension fund account of the purchaser and the purchase amount, and the account debiting processing performed on the data of the pension fund account of the purchaser according to the fund transfer instruction to obtain account debiting record data comprises the following steps: When the identification information of the pension fund account of the purchaser carried by the fund transfer instruction is included in the pension fund account list, account debiting processing is performed on the data of the pension fund account of the purchaser according to the purchase amount to obtain account debiting record data.

3. The method of claim 2, wherein, The pension fund business system comprises a sales institution list, the sales institution list comprising identification information of a plurality of sales institutions, the fund transfer instruction further carrying the identification information of the sales institution, and the account crediting processing performed on the virtual account data of the sales institution in the pension fund business system according to the fund transfer instruction to obtain account crediting record data of the virtual account comprises the following steps: When the identification information of the sales institution carried by the fund transfer instruction is included in the sales institution list, account crediting processing is performed on the virtual account data of the sales institution in the pension fund business system according to the fund transfer instruction to obtain account crediting record data.

4. The method according to any one of claims 1 to 3, characterized in that, The method further comprises the following steps: A transaction failure notification is sent to the sales institution server, the transaction failure notification being used to notify the purchaser corresponding to the transaction data of a transaction failure generated by the purchase of the pension fund.

5. The method according to any one of claims 1 to 3, wherein The method further comprises the following steps: When the information indicating the transaction state in the transaction data indicates a failed transaction and the account record data of the pension account is normal, the virtual account data of the sales agency is subjected to a debit processing to obtain debit record data, and the pension account data of the subscriber is subjected to a credit processing to obtain credit record data.

6. The method of claim 5, wherein, The method further comprises: When the information indicating the transaction state in the transaction data indicates a failed transaction and the account record data of the pension account is normal, and the credit processing of the pension account data of the subscriber fails, the virtual account data of the sales agency is subjected to a debit processing to obtain debit record data, and the abnormal order account data is subjected to a credit processing to obtain credit record data; The abnormal order account is used to store the funds when the credit processing of the pension account data fails.

7. The method of claim 1 or 2, wherein, The method further comprises: The pension business information platform sends the fund processing result before the set time to an open-end fund registration and transfer system, wherein the fund processing result comprises the debit record data of the pension account of the subscriber and the credit record data of the corporate account of the sales agency; The pension business information platform receives a confirmation reconciliation file sent by the open-end fund registration and transfer system, wherein the confirmation reconciliation file is generated by the open-end fund registration and transfer system when confirming the fund processing result; The pension business information platform generates the equity information of the subscriber according to the confirmation reconciliation file, and sends the transaction information and the equity information to a pension information management service platform, wherein the pension information management service platform is used to provide information support for a supervision platform; The transaction information comprises the pension account of the subscriber, the identity of the subscriber, the number of the pension fund purchased by the subscriber, the purchase amount, and the debit record information of the pension account, and the equity information comprises the fund number, the holding share, and the holding amount of the pension account.

8. The method of claim 7, wherein, The method further comprises: Determining the total balance of the virtual accounts of a plurality of sales agencies at a first set time, wherein the first set time is a time after the set time; Determining a first credit total according to the credit record data of the virtual accounts of the plurality of sales agencies before the set time, and determining a second credit total according to the credit record data of the corporate account data of the plurality of sales agencies; When the difference between the first credit total and the second credit total is not equal to the total balance of the virtual accounts of the plurality of sales agencies, a prompt information is generated, wherein the prompt information is used to prompt that the total balance data fails to be checked.

9. A data processing apparatus, characterized by, The method further comprises: The receiving module is configured to receive a fund transfer instruction sent by the pension business information platform when the subscriber purchases a pension fund at a sales agency, wherein the fund transfer instruction is used to instruct the pension business system to deduct the purchase amount of the pension fund from the pension account of the subscriber; The processing module is configured to subject the pension account data of the subscriber to a debit processing according to the fund transfer instruction to obtain debit record data; According to the fund transfer instruction, the virtual account of the sales agency in the pension business system is credited to obtain the credit record data of the virtual account; Receiving the transaction application summary file sent by the pension business information platform, the transaction application summary file at least including the transaction data of the purchaser purchasing the pension fund in the sales agency; When the transaction data of the purchaser matches the debit record data, the virtual account of the sales agency is debited according to the debit record data, and the credit record data of the public account data of the sales agency is obtained by crediting the public account data of the sales agency; When the information indicating the transaction state in the transaction data indicates that the transaction is successful, and the pension account debit record data does not match the purchase amount in the transaction data, the virtual account data of the sales agency is debited to obtain the debit record data, and the credit record data of the pension account data of the purchaser is obtained by crediting the pension account data of the purchaser.

10. The apparatus of claim 9, wherein, The pension business system includes a pension account list, the pension account list including the identification information of the pension accounts of a plurality of purchasers, the fund transfer instruction carrying the identification information of the pension account of the purchaser and the purchase amount, and the processing module, when the pension account of the purchaser carried by the fund transfer instruction is included in the pension account list, the debit record data of the pension account data of the purchaser is obtained by debiting the pension account data of the purchaser according to the purchase amount. The pension business system includes a sales agency list, the sales agency list including the identification information of a plurality of sales agencies, and the fund transfer instruction also carrying the identification information of the sales agency, and the processing module, when the virtual account of the sales agency in the pension business system is credited according to the fund transfer instruction to obtain the credit record data of the virtual account of the sales agency, is specifically used for:

11. The apparatus of claim 10, wherein, When the identification information of the sales agency carried by the fund transfer instruction is included in the sales agency list, the credit record data of the virtual account data of the sales agency in the pension business system is obtained by crediting the virtual account data of the sales agency according to the fund transfer instruction. The device further includes a sending module; 12. The device of any one of claims 9-11, wherein, The sending module is configured to send a transaction failure notification to the sales agency server, the transaction failure notification being used to notify the purchaser corresponding to the transaction data of a transaction failure generated by purchasing the pension fund. The processing module is further configured to:

13. The apparatus of any one of claims 9-11, wherein, When the information indicating the transaction state in the transaction data indicates that the transaction fails and the pension account debit record data is normal, the debit record data of the virtual account data of the sales agency is obtained by debiting the virtual account data of the sales agency, and the credit record data of the pension account data of the purchaser is obtained by crediting the pension account data of the purchaser. The processing module is further configured to:

14. The apparatus of claim 13, wherein, ​ When the information indicating the transaction state in the transaction data indicates a failed transaction, the pension account record data is normal, and the onboarding process of the pension account data of the purchaser fails, the offboarding process of the virtual account data of the sales institution is performed to obtain offboarding record data, and the onboarding process of the abnormal order account data is performed to obtain onboarding record data; The abnormal order account is used to store funds when the onboarding process of the pension account data fails.

15. The apparatus of any one of claims 9-11, wherein, The device comprises a sending module; The sending module is configured to send, through the pension business information platform, a fund processing result before a set time to an open-end fund registration and transfer system, the fund processing result comprising offboarding record data of a pension account of the purchaser and onboarding record data of a corporate account of the sales institution; The receiving module is further configured to receive, through the pension business information platform, a confirmation reconciliation file sent by the open-end fund registration and transfer system, the confirmation reconciliation file being generated by the open-end fund registration and transfer system when confirming the fund processing result; The sending module is further configured to generate, according to the confirmation reconciliation file, right information of the purchaser, and send transaction information and the right information to a pension information management service platform, the pension information management service platform being configured to provide information support for a supervision platform; The transaction information comprises a pension account of the purchaser, an identity of the purchaser, a number of a pension fund purchased by the purchaser, a purchase amount, and offboarding record information of the pension account, and the right information comprises a fund number held by the pension account, a holding share, and a holding amount.

16. The apparatus of claim 15, wherein, The processing module is further configured to: determine a total balance of virtual accounts of a plurality of sales institutions at a first set time, the first set time being a time after the set time; determine a first onboarding total amount according to onboarding record data of the virtual accounts of the plurality of sales institutions before the set time, and determine a second onboarding total amount according to onboarding record data of corporate account data of the plurality of sales institutions; generate a prompt information when it is determined that a difference between the first onboarding total amount and the second onboarding total amount is not equal to a total balance of the virtual accounts of the plurality of sales institutions, the prompt information being used to prompt a failed data check of the total balance.

17. An execution device, characterized by comprise: a memory configured to store program instructions; a processor configured to invoke the program instructions stored in the memory and perform the steps included in the method according to any one of claims 1-8 according to the obtained program instructions.

18. A computer-readable storage medium, characterized in that, The computer readable storage medium stores a computer program, the computer program comprising program instructions, the program instructions causing the computer to execute the method according to any one of claims 1-8 when executed by the computer.

19. A computer program product, characterised in that, The computer program product comprises computer program code, which, when executed on a computer, causes the computer to execute the method according to any one of claims 1-8. The computer program product comprises computer program code, which, when executed on a computer, causes the computer to execute the method according to any one of claims 1-8.

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