A data processing method and apparatus

Abstract

The application discloses a data processing method and device, and relates to the technical field of data processing. A specific implementation of the method comprises the following steps: receiving a detailed query request for a target service, obtaining a master account number in the detailed query request, and obtaining a service attribute and a serial number of the target service; querying detailed information of the target service according to the serial number and the master account number; determining a service channel corresponding to the service attribute to query a target virtual account number for processing the serial number in the service channel; querying a virtual account number set having a corresponding relationship with the master account number, and adding information of the target virtual account number to the detailed information to obtain target detailed information and return the target detailed information in response to the virtual account number set including the target virtual account number. The implementation maintains the corresponding relationship between the master account number and the virtual account number by signing a cash management contract, solves the problem that there is no interaction between existing components, and finally makes the service detailed information more accurate by including the virtual account number information.

Description

Technical Field

[0001] This invention relates to the field of data processing technology, and in particular to a data processing method and apparatus. Background Technology

[0002] Some companies establish their own accounting firms, which set up a master account for transactions between the master accounts of other companies' accounting firms. The accounting firm also sets up multiple member unit sub-accounts (non-standard accounts, virtual accounts) according to their functions, and establishes a one-to-many correspondence between the master account and the member unit sub-accounts.

[0003] However, the existing transaction details query component and cash management component that stores the one-to-many correspondence between the main account and member unit sub-accounts cannot exchange information. Therefore, when member unit sub-accounts operate payment and receipt operations, the existing transaction details only contain the main account information of the payer and payee, and do not contain the member unit sub-accounts, making it impossible for customers to determine the specific member sub-accounts operating the payment and receipt operations. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a data processing method and apparatus that can at least solve the problem in the prior art where transaction details only display the main account of the finance company and cannot determine the sub-account information of specific member units.

[0005] To achieve the above objectives, according to one aspect of the present invention, a data processing method is provided, comprising:

[0006] Receive a detailed query request for a target business, obtain the main account in the detailed query request, and obtain the business attributes and serial number of the target business;

[0007] Based on the serial number and the main account, query the detailed information of the target business;

[0008] Identify the business channel corresponding to the business attribute, and query the target virtual account that processes the serial number within the business channel;

[0009] Query the set of virtual accounts that correspond to the main account. In response to the virtual account set including the target virtual account, add the information of the target virtual account to the details information, obtain the target details information and return it.

[0010] Optionally, the detail query request may also include a customer ID, and the set of virtual accounts corresponding to the main account may include:

[0011] Query the cash management tree corresponding to the customer number;

[0012] In response to the existence of a contract number on the cash management tree, it is determined that the customer has the permission to query details and query the cash management contract corresponding to the contract number; wherein, the cash management contract is used to maintain the correspondence between the main account and multiple virtual accounts.

[0013] Optionally, the method further includes:

[0014] If a contract number does not exist in the cash management tree, or if a contract number exists but its status is invalid, it is determined that the customer does not have query privileges, and a query failure result is returned; or

[0015] In response to a query indicating that a contract number exists and the contract status is valid, the system determines whether the main account is maintained in the cash management contract. If the determination fails, a query failure result is returned.

[0016] Optionally, before receiving the detailed query request for the target service, the method further includes:

[0017] Receive a contract signing request, obtain the main account in the contract signing request, and add the information of the main account to the cash management contract;

[0018] Receive multiple virtual accounts as input, establish a correspondence between the master account and the multiple virtual accounts, add the information of the multiple virtual accounts to the cash management contract, and generate a contract number;

[0019] Receive the input customer number, query the cash management tree corresponding to the customer number, and register the information of the master account and the contract number under the cash management tree.

[0020] Optionally, before adding the information of the master account to the cash management contract, the method further includes: receiving the contract type set for the master account;

[0021] Before obtaining and returning the target details, the process also includes:

[0022] Determine the information sending service corresponding to the aforementioned contract type;

[0023] In response to the information sending service being proactively pushed, when the main account is detected to have transaction activity related to the target business, the target details information is sent to the communication information corresponding to the customer number; or

[0024] In response to a passive query in the information sending service, upon receiving the detailed query request, the target detailed information is sent to the communication information.

[0025] Optionally, the step of querying and processing the target virtual account with the serial number in the business channel includes:

[0026] Obtain the payee's account and payer's account from the detailed information; wherein, the main account is one of the payee's account and the payer's account;

[0027] In response to the fact that the receiving account and the paying account belong to the same bank, the business component corresponding to the intra-bank transfer is invoked to query the target virtual account for processing the transaction number in the business channel; or

[0028] In response to the fact that the banks to which the payee account and the payer account belong are different institutions, the business component corresponding to the interbank transfer is invoked to query and process the target virtual account of the transaction number in the business channel.

[0029] Optionally, after obtaining and returning the target details, the method further includes:

[0030] If a refund is received after the target virtual account initiates a remittance, the payee account is used as the new payer account and the main account is used as the new payee account. One or more refund details are retrieved from the refund channel.

[0031] Query the refund transaction number corresponding to the transaction number to determine the refund details corresponding to the refund transaction number from the one or more refund details;

[0032] The information of the target virtual account is added to the determined refund details to obtain the target refund details and then returned.

[0033] To achieve the above objectives, according to another aspect of the present invention, a data processing apparatus is provided, comprising:

[0034] The receiving module is used to receive a detailed query request for the target business, obtain the main account in the detailed query request, and obtain the business attributes and serial number of the target business.

[0035] The detailed query module is used to query the detailed information of the target business based on the serial number and the main account.

[0036] The account query module is used to determine the business channel corresponding to the business attribute, so as to query the target virtual account that processes the serial number in the business channel.

[0037] The add module is used to query a set of virtual accounts that correspond to the main account. In response to the virtual account set including the target virtual account, the information of the target virtual account is added to the details information, the target details information is obtained and returned.

[0038] Optionally, the added module is used for:

[0039] Query the cash management tree corresponding to the customer number;

[0040] In response to the existence of a contract number on the cash management tree, it is determined that the customer has the permission to query details and query the cash management contract corresponding to the contract number; wherein, the cash management contract is used to maintain the correspondence between the main account and multiple virtual accounts.

[0041] Optionally, the device further includes:

[0042] If a contract number does not exist in the cash management tree, or if a contract number exists but its status is invalid, it is determined that the customer does not have query privileges, and a query failure result is returned; or

[0043] In response to a query indicating that a contract number exists and the contract status is valid, the system determines whether the main account is maintained in the cash management contract. If the determination fails, a query failure result is returned.

[0044] Optionally, a contract signing module is also included, used for:

[0045] Receive a contract signing request, obtain the main account in the contract signing request, and add the information of the main account to the cash management contract;

[0046] Receive multiple virtual accounts as input, establish a correspondence between the master account and the multiple virtual accounts, add the information of the multiple virtual accounts to the cash management contract, and generate a contract number;

[0047] Receive the input customer number, query the cash management tree corresponding to the customer number, and register the information of the master account and the contract number under the cash management tree.

[0048] Optionally, the contract signing module is further configured to: receive the contract type set for the main account;

[0049] The added module is also used for:

[0050] Determine the information sending service corresponding to the aforementioned contract type;

[0051] In response to the information sending service being proactively pushed, when the main account is detected to have transaction activity related to the target business, the target details information is sent to the communication information corresponding to the customer number; or

[0052] In response to a passive query in the information sending service, upon receiving the detailed query request, the target detailed information is sent to the communication information.

[0053] Optionally, the account query module is used for:

[0054] Obtain the payee's account and payer's account from the detailed information; wherein, the main account is one of the payee's account and the payer's account;

[0055] In response to the fact that the receiving account and the paying account belong to the same bank, the business component corresponding to the intra-bank transfer is invoked to query the target virtual account for processing the transaction number in the business channel; or

[0056] In response to the fact that the banks to which the payee account and the payer account belong are different institutions, the business component corresponding to the interbank transfer is invoked to query and process the target virtual account of the transaction number in the business channel.

[0057] Optionally, a refund module is also included, for:

[0058] If a refund is received after the target virtual account initiates a remittance, the payee account is used as the new payer account and the main account is used as the new payee account. One or more refund details are retrieved from the refund channel.

[0059] Query the refund transaction number corresponding to the transaction number to determine the refund details corresponding to the refund transaction number from the one or more refund details;

[0060] The information of the target virtual account is added to the determined refund details to obtain the target refund details and then returned.

[0061] To achieve the above objectives, according to another aspect of the present invention, a data processing electronic device is provided.

[0062] An electronic device according to an embodiment of the present invention includes: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any of the data processing methods described above.

[0063] To achieve the above objectives, according to another aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements any of the data processing methods described above.

[0064] To achieve the above objectives, according to another aspect of the present invention, a computing program product is provided. One computing program product of the present invention includes a computer program, which, when executed by a processor, implements the data processing method provided in the present invention.

[0065] According to the solution provided by the present invention, one embodiment of the invention has the following advantages or beneficial effects: by maintaining the correspondence between the main account and the virtual account through a cash management contract signed with the bank, there is no need to create interactive communication between the existing banking business details component and the finance company's cash management component, thus improving the efficiency of virtual account query; business channels are created according to different business attributes, and the business channels only contain virtual accounts, so that the virtual account information can be displayed in the business details or the business details pushed by the arrival notification, making the business details information accurate to the sub-accounts of member units, which is convenient for customers to analyze the source of funds.

[0066] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0067] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0068] Figure 1 This is a schematic diagram of the main flow of a data processing method according to an embodiment of the present invention;

[0069] Figure 2 This is a diagram illustrating the relationship between the master account and member unit sub-accounts in a cash management contract.

[0070] Figure 3 This is a schematic flowchart of a specific data processing method according to an embodiment of the present invention;

[0071] Figure 4 This is a schematic diagram of the main modules of a data processing device according to an embodiment of the present invention;

[0072] Figure 5 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0073] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing the embodiments of the present invention, such as a mobile device or server. Detailed Implementation

[0074] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0075] It should be noted that, unless otherwise specified, the embodiments and features described in the present invention can be combined with each other. The acquisition, storage, use, and processing of data (such as user personal information) in the technical solutions of this application comply with relevant national laws and regulations and do not violate public order and good morals.

[0076] To facilitate payment collection and processing by finance companies within the same or different industries, some large enterprises establish their own finance companies. These finance companies need to establish a one-to-many correspondence between the master account and the sub-accounts of member units in their own ERP (Enterprise Resource Planning) system.

[0077] The one-to-many relationship between the finance company's master account and its member unit's sub-accounts is defined by the cash management component. However, there is no interaction between the bank's transaction details component and the finance company's cash management component, making it impossible to identify the information of the member unit's sub-accounts. After a finance company acts as an agent for a member unit to complete a receipt, payment, or refund operation, it can query the information of the payee and payer, but these are all master account information of different finance companies. The information of its member unit's sub-accounts cannot be displayed. For example, if finance company A transfers money to finance company C, it can be seen that the payer is finance company A and the payee is finance company C, but in reality, it is a passive receipt and payment made by finance company A's member unit sub-account B. Currently, member unit sub-account B cannot be displayed in the transaction details.

[0078] See Figure 1 The diagram shows the main flowchart of a data processing method provided by an embodiment of the present invention, which includes the following steps:

[0079] S101: Receive a detailed query request for the target business, obtain the main account in the detailed query request, and obtain the business attributes and serial number of the target business;

[0080] S102: Based on the serial number and the main account, query the detailed information of the target business;

[0081] S103: Determine the business channel corresponding to the business attribute, and query the target virtual account that processes the serial number in the business channel;

[0082] S104: Query the set of virtual accounts that correspond to the main account. In response to the virtual account set including the target virtual account, add the information of the target virtual account to the details information, obtain the target details information and return it.

[0083] In the above implementation, this solution is primarily designed for finance companies acting as agents for their member units in receiving and making payments. The finance company uses a master account, while member units use sub-accounts. These sub-accounts are not actual accounts but virtual accounts; for example, a standard account might have 20 digits, but a virtual account might only have 15. Currently, each transaction record lacks the account name and number of the member unit's sub-account, but customers need precise information down to the specific member unit's sub-account to query transaction details. Therefore, processing is required.

[0084] For step S101, the finance company personnel (i.e., the customer) perform account maintenance operations at the branch outlet. Specifically, this involves maintaining the correspondence between the finance company's main account and the member unit's sub-accounts, as well as signing cash management contracts. The customer first needs to initiate a contract signing request, which includes their main account number. The main account number can be entered by the customer or manually entered at the counter by the account manager or teller based on the information provided by the customer.

[0085] The customer also needs to provide multiple virtual accounts, which will be manually entered by the account manager or teller at the counter to establish the correspondence between the main account and the multiple virtual accounts. The main account, multiple virtual accounts, and their corresponding relationships will then be added to the cash management contract, and a contract number will be generated, such as XXXXXXX. (See [link to contract details]). Figure 2 As shown.

[0086] Cash management contracts require approval before use. Once approved, when a transaction involving a member unit's sub-account occurs in the finance company's main account, the transaction can be retrieved, displaying transaction information such as the member unit's sub-account information (virtual account) and member unit's account name (virtual account name). Furthermore, cash management contract information can be modified. For example, if the finance company has main account A, sub-account B, and sub-account C, and sub-account C was not initially maintained, sub-account C can only perform normal transfer and payment operations after its addition, modification of contract information, and approval.

[0087] Branch outlets need to set up a cash management tree for each finance company. Therefore, customers need to provide their customer number, such as YYYYY. The account manager or teller then manually enters the customer number at the counter to retrieve the cash management tree corresponding to that customer number. The cash management tree is used to store information such as the master account (e.g., account name and account number), the contract number of the cash management contract, and the customer number.

[0088] All corporate clients must first sign a cash management contract. Clients who have not signed this contract do not have query privileges. Therefore, after completing account maintenance, if the finance company issues a request to query the details of the target transaction after the agency payment and agency collection business has occurred, it must first check whether the client has signed a cash management contract based on the client number. If not, it indicates that the client does not have query privileges, and the query will fail.

[0089] When a customer signs a cash management contract, determine if the contract is currently invalid. Each contract typically has an effective date set upon signing, but usually no expiration date. An invalid contract is only triggered when the customer actively requests cancellation. If a signed cash management contract is found to be invalid, it indicates that the customer does not have query privileges, and the query will fail.

[0090] If a customer has signed a cash management contract and the contract is in effect, it is also necessary to determine whether the cash management contract maintains the main account in the customer's current detailed query request for the target business. If the main account in the cash management contract is inconsistent with the main account in the detailed query request, it means that the customer entered the wrong main account, and the query will also fail.

[0091] The above-mentioned query to check whether a customer has signed a cash management contract based on the customer number can be made by first checking whether a cash management tree corresponding to the customer number exists. If the query result shows that a cash management tree exists, it is determined whether a contract number exists on the cash management tree. If it exists, it is determined that the customer has signed a cash management contract and has query privileges.

[0092] This solution supports both employee channels and direct bank-enterprise connections. Employee channels: Bank tellers can inquire about customer information at the counter, allowing customers to access specific details at the branch. Direct bank-enterprise connections: Customers sign contracts with banks and can access their own system to view bank information related to those contracts. Customers can choose the appropriate method based on their needs to view detailed information about their target transactions. If a customer chooses the direct bank-enterprise connection, the system will push transaction information from the finance company's main account and the sub-account information of the member units involved in the specific transactions to the customer. For some customers with personalized needs, real-time updates on balances or other information may be required.

[0093] For steps S102 and S103, since the transaction has already occurred, its transaction number can be retrieved. After receiving a customer's request for a detailed inquiry of the target transaction, the bank first retrieves the corresponding detailed information based on the transaction number and the main account number, such as the abbreviation of the country or region of the transaction, the transaction date, the transaction timestamp, the currency, the amount of income, the amount of expenditure, the balance of this transaction, the name of the bank, the transaction description, and the transaction summary (such as SMS fee, transfer, consumption).

[0094] Business operations have distinct attributes, such as internal accounts, agency collection, agency payment, and refunds. Different business attributes correspond to different business channels. For example, if the business attribute is agency collection, the virtual account processing the transaction number needs to be retrieved from the agency collection channel. If the main account has member unit sub-accounts 1, 2, 3, and 4, and the transaction number is "aaaaaaa", the virtual account processing the transaction number "aaaaaaa" in the agency collection channel would be member unit sub-account 2.

[0095] For step S104, after obtaining the business details information and the target virtual account through the above steps, the target virtual account will be added to the business details information. This can be done by adding it to the end of the business details information, adding it as a note, or adding a dedicated column for virtual account information to store the target virtual account for the actual business transaction. There are no restrictions on the method of addition. The final details information is then obtained and returned to the customer. Considering the long processing time for details information, and in cases where multiple details need to be processed, this solution preferably uses an asynchronous processing method.

[0096] When the target business is payment collection, the push content and query include payment transaction details for both the customer's main account and the target virtual account; if payment is selected, the push content includes payment transaction details for both the customer's main account and the target virtual account; if all is selected, the push content includes all payment and receipt transaction details for both the customer's main account and the target virtual account.

[0097] The detailed information returned by this solution may include only the business details of virtual accounts, or the full business details of both virtual accounts and main accounts. For example, the query and push information may only contain the business details of virtual accounts, or in addition to querying and pushing the business details of virtual accounts, the full business information of the finance company's main account (simple main account business details that do not involve sub-account business) may also be pushed.

[0098] Before signing a cash management contract, clients can configure contract types for their main account, such as detailed account statements, detailed payment notifications, balance and details, and report processing, facilitating reconciliation for finance company clients. For example, Client 1 might need to display sub-account information for interest rate conversion during a query; Client 2 might need to query internal sub-account information; Client 3 might need to query agency payment sub-account information; and Client 4 might need to query all sub-account information. Different contract types correspond to different information delivery services, such as proactive push or passive query. With proactive push, the bank monitors the client's main account for transaction activity in real time. If transactions are found, the bank generates target details and sends them to the client, with the communication information linked to the client's ID. However, with passive query, the target details are only retrieved and sent to the client when they initiate a request for a specific transaction.

[0099] Furthermore, even within the same business channel, different business components are set up for different scenarios. This solution mainly sets up separate business components for intra-bank and inter-bank payment transactions. In the detailed information retrieved through transaction serial numbers and main accounts, there is information on main accounts of different finance companies. The client's main account in this solution is just one of them; it can be either the payer's account or the payee's account. When the payee's account and the payer's account are from the same institution, the business component corresponding to intra-bank transfers is invoked; when the payee's account and the payer's account are from different institutions, the business component corresponding to inter-bank intra-bank transfers is invoked.

[0100] In cases where a transfer initiated by the target virtual account is subsequently refunded, since the banking transaction is still conducted through the finance company's main account, the target virtual account's main account is designated as the payee's account, and the original payee's account is designated as the new payer's account. In refund cases, the transaction type is "refund," and the refund transaction number and the original transaction number are associated; they are usually stored together. The refund details corresponding to the refund transaction number are retrieved from the refund details collection, and the target virtual account is added to the refund details. This can be done by adding it to the end of the refund details, adding it as a note, or adding a dedicated column for virtual account information to store the virtual account for which the refund transaction actually occurred.

[0101] The method provided in the above embodiments maintains the correspondence between the main account and the virtual account by signing a cash management contract with the bank. This eliminates the need to create interactive communication between the existing bank business details component and the finance company's cash management component, thus improving the efficiency of virtual account query. Furthermore, by creating business channels based on different business attributes, and ensuring that these channels only contain virtual accounts, the virtual account information (account name + account number) can ultimately be displayed in the business details or the business details pushed by the payment notification. This solves the problem of no member unit sub-accounts in the existing business details information, making the business details information more accurate.

[0102] See Figure 3 The diagram illustrates a specific data processing method according to an embodiment of the present invention, including the following steps:

[0103] S301: Receive a contract signing request, obtain the main account in the contract signing request, and add the information of the main account to the cash management contract;

[0104] S302: Receive multiple virtual accounts input, establish the correspondence between the main account and the multiple virtual accounts, add the information of the multiple virtual accounts to the cash management contract, and generate a contract number;

[0105] S303: Receive the input customer number, query the cash management tree corresponding to the customer number, and register the information of the master account and the contract number under the cash management tree;

[0106] S304: Receive a detailed query request for the target business, obtain the main account and customer number in the detailed query request, and query the cash management tree corresponding to the customer number;

[0107] S305: In response to the existence of a contract number on the cash management tree, determine that the customer has the permission to query details and query the cash management contract corresponding to the contract number; wherein, the cash management contract is used to maintain the correspondence between the main account and multiple virtual accounts;

[0108] S306: Obtain the business attributes and serial number of the target business, and query the detailed information of the target business based on the serial number and the main account;

[0109] S307: Determine the business channel corresponding to the business attribute, and query the target virtual account that processes the serial number in the business channel;

[0110] S308: In response to the plurality of virtual accounts including the target virtual account, add the information of the target virtual account to the details information, obtain the target details information and return it.

[0111] This solution applies to the detailed processing of member unit sub-accounts and internal virtual accounts within finance companies. After a transfer is completed, no new detailed or balance information is generated for the member unit sub-accounts; all information is displayed in the main account. It requires mapping and maintaining between sub-accounts and the main account, and identifying refunds, active and passive inflows of payments, facilitating client analysis of fund sources. This solution also provides access to and download of reports on the finance company's payment and collection operations, offering reports on the overall operational status of these operations. It caters to different client needs, providing functions such as payment arrival notifications, detailed inquiries, and report processing.

[0112] Furthermore, existing payment processing services handled by finance companies involve eight components: intra-bank collection, intra-bank agency collection, account maintenance, contract verification, sub-account information, internal accounts, inter-bank collection, and inter-bank agency collection. These eight components present a complex integration challenge. This solution resolves this issue by having clients sign cash management contracts with banks, maintain the correspondence between main and virtual accounts, and manage client information. Finance companies only need to handle payment processing; the remaining maintenance can be handled by the bank, thus eliminating the complexity of product integration.

[0113] See Figure 4The diagram shows a schematic representation of the main modules of a data processing apparatus 400 provided in an embodiment of the present invention, including:

[0114] The receiving module 401 is used to receive a detailed query request for the target business, obtain the main account in the detailed query request, and obtain the business attributes and serial number of the target business;

[0115] The detailed query module 402 is used to query the detailed information of the target business based on the serial number and the main account.

[0116] Account query module 403 is used to determine the business channel corresponding to the business attribute, so as to query the target virtual account that processes the serial number in the business channel;

[0117] The module 404 is used to query a set of virtual accounts that correspond to the main account. In response to the virtual account set including the target virtual account, the information of the target virtual account is added to the details information, the target details information is obtained and returned.

[0118] In the apparatus of this invention, the adding module 404 is used for:

[0119] Query the cash management tree corresponding to the customer number;

[0120] In response to the existence of a contract number on the cash management tree, it is determined that the customer has the permission to query details and query the cash management contract corresponding to the contract number; wherein, the cash management contract is used to maintain the correspondence between the main account and multiple virtual accounts.

[0121] In the apparatus of this invention, the apparatus further includes:

[0122] If a contract number does not exist in the cash management tree, or if a contract number exists but its status is invalid, it is determined that the customer does not have query privileges, and a query failure result is returned; or

[0123] In response to a query indicating that a contract number exists and the contract status is valid, the system determines whether the main account is maintained in the cash management contract. If the determination fails, a query failure result is returned.

[0124] The apparatus for implementing this invention further includes a contract signing module, used for:

[0125] Receive a contract signing request, obtain the main account in the contract signing request, and add the information of the main account to the cash management contract;

[0126] Receive multiple virtual accounts as input, establish a correspondence between the master account and the multiple virtual accounts, add the information of the multiple virtual accounts to the cash management contract, and generate a contract number;

[0127] Receive the input customer number, query the cash management tree corresponding to the customer number, and register the information of the master account and the contract number under the cash management tree.

[0128] In the device of this invention, the contract signing module is further configured to: receive the contract type set for the main account;

[0129] The adding module 404 is also used for:

[0130] Determine the information sending service corresponding to the aforementioned contract type;

[0131] In response to the information sending service being proactively pushed, when the main account is detected to have transaction activity related to the target business, the target details information is sent to the communication information corresponding to the customer number; or

[0132] In response to a passive query in the information sending service, upon receiving the detailed query request, the target detailed information is sent to the communication information.

[0133] In the apparatus of this invention, the account query module 403 is used for:

[0134] Obtain the payee's account and payer's account from the detailed information; wherein, the main account is one of the payee's account and the payer's account;

[0135] In response to the fact that the receiving account and the paying account belong to the same bank, the business component corresponding to the intra-bank transfer is invoked to query the target virtual account for processing the transaction number in the business channel; or

[0136] In response to the fact that the banks to which the payee account and the payer account belong are different institutions, the business component corresponding to the interbank transfer is invoked to query and process the target virtual account of the transaction number in the business channel.

[0137] The apparatus for implementing this invention also includes a remittance module, used for:

[0138] If a refund is received after the target virtual account initiates a remittance, the payee account is used as the new payer account and the main account is used as the new payee account. One or more refund details are retrieved from the refund channel.

[0139] Query the refund transaction number corresponding to the transaction number to determine the refund details corresponding to the refund transaction number from the one or more refund details;

[0140] The information of the target virtual account is added to the determined refund details to obtain the target refund details and then returned.

[0141] Furthermore, the specific implementation details of the device described in the embodiments of the present invention have been described in detail in the above-described method, so the details will not be repeated here.

[0142] Figure 5 An exemplary system architecture 500 to which embodiments of the present invention can be applied is shown, including terminal devices 501, 502, 503, network 504, and server 505 (this is merely an example).

[0143] Terminal devices 501, 502, and 503 can be various electronic devices with displays and web browsing capabilities, and have various communication client applications installed. Users can use terminal devices 501, 502, and 503 to interact with server 505 via network 504 to receive or send messages, etc.

[0144] Network 504 is a medium used to provide a communication link between terminal devices 501, 502, 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0145] Server 505 can be a server that provides various services. It should be noted that the methods provided in the embodiments of the present invention are generally executed by server 505, and correspondingly, the devices are generally set in server 505.

[0146] It should be understood that Figure 5 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0147] The following is for reference. Figure 6 It shows a schematic diagram of the structure of a computer system 600 suitable for implementing a terminal device of the present invention. Figure 6 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0148] like Figure 6As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 602 or programs loaded from storage section 608 into random access memory (RAM) 603. The RAM 603 also stores various programs and data required for the operation of the system 600. The CPU 601, ROM 602, and RAM 603 are interconnected via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0149] The following components are connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 610 as needed so that computer programs read from it can be installed into storage section 608 as needed.

[0150] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by central processing unit (CPU) 601, it performs the functions defined above in the system of this invention.

[0151] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0152] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0153] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor may be described as including a receiving module, a details query module, an account query module, and an adding module. The names of these modules do not necessarily limit the module itself; for example, the adding module may also be described as "a module that adds accounts to details."

[0154] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to perform any of the data processing methods described above.

[0155] The computer program product of the present invention includes a computer program that, when executed by a processor, implements the data processing method in the embodiments of the present invention.

[0156] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A data processing method, characterized in that, include: Receive a detailed query request for a target business, obtain the main account in the detailed query request, and obtain the business attributes and serial number of the target business; the detailed query request also includes the customer number; Based on the serial number and the main account, query the detailed information of the target business; Identify the business channel corresponding to the business attribute, and query the target virtual account that processes the serial number within the business channel; Querying the set of virtual accounts that correspond to the main account includes: querying the cash management tree corresponding to the customer number; in response to the existence of a contract number on the cash management tree, determining that the customer has the permission to query details, and querying the cash management contract corresponding to the contract number; wherein, the cash management contract is used to maintain the correspondence between the main account and multiple virtual accounts; In response to the virtual account set including the target virtual account, the information of the target virtual account is added to the details information to obtain the target details information and return it; Before receiving the detailed query request for the target business, the method further includes: receiving a contract signing request, obtaining the main account in the contract signing request, and adding the information of the main account to the cash management contract; receiving multiple virtual accounts, establishing a correspondence between the main account and the multiple virtual accounts, adding the information of the multiple virtual accounts to the cash management contract, and generating a contract number; receiving an input customer number, querying the cash management tree corresponding to the customer number, and registering the information of the main account and the contract number under the cash management tree.

2. The method according to claim 1, characterized in that, The method further includes: If a contract number does not exist in the cash management tree, or if a contract number exists but its status is invalid, it is determined that the customer does not have query privileges, and a query failure result is returned; or In response to a query indicating that a contract number exists and the contract status is valid, the system determines whether the main account is maintained in the cash management contract. If the determination fails, a query failure result is returned.

3. The method according to claim 2, characterized in that, Before adding the information of the master account to the cash management contract, the method further includes: receiving the contract type set for the master account; Before obtaining and returning the target details, the process also includes: Determine the information sending service corresponding to the aforementioned contract type; In response to the information sending service being proactively pushed, when the main account is detected to have transaction activity related to the target business, the target details information is sent to the communication information corresponding to the customer number; or In response to a passive query in the information sending service, upon receiving the detailed query request, the target detailed information is sent to the communication information.

4. The method according to claim 1, characterized in that, The process of querying and processing the serial number in the business channel for the target virtual account includes: Obtain the payee's account and payer's account from the detailed information; wherein, the main account is one of the payee's account and the payer's account; In response to the fact that the receiving account and the paying account belong to the same bank, the business component corresponding to the intra-bank transfer is invoked to query the target virtual account for processing the transaction number in the business channel; or In response to the fact that the banks to which the payee account and the payer account belong are different institutions, the business component corresponding to the interbank transfer is invoked to query and process the target virtual account of the transaction number in the business channel.

5. The method according to claim 4, characterized in that, After obtaining and returning the target details, the process also includes: If a refund is received after the target virtual account initiates a remittance, the payee account is used as the new payer account and the main account is used as the new payee account. One or more refund details are retrieved from the refund channel. Query the refund transaction number corresponding to the transaction number to determine the refund details corresponding to the refund transaction number from the one or more refund details; The information of the target virtual account is added to the determined refund details to obtain the target refund details and then returned.

6. A data processing apparatus, characterized in that, include: The receiving module is used to receive a detailed query request for a target business, obtain the main account in the detailed query request, and obtain the business attributes and serial number of the target business; the detailed query request also includes a customer number. The detailed query module is used to query the detailed information of the target business based on the serial number and the main account. The account query module is used to determine the business channel corresponding to the business attribute, so as to query the target virtual account that processes the serial number in the business channel. An add module is used to query a set of virtual accounts that correspond to the main account, including: querying the cash management tree corresponding to the customer number; in response to the existence of a contract number on the cash management tree, determining that the customer has the permission to query details, and querying the cash management contract corresponding to the contract number; wherein, the cash management contract is used to maintain the correspondence between the main account and multiple virtual accounts; in response to the virtual account set including the target virtual account, adding the information of the target virtual account to the details information, obtaining the target details information and returning it; The contract signing module is used for: receiving a contract signing request, obtaining the main account in the contract signing request, and adding the information of the main account to the cash management contract; receiving multiple virtual accounts as input, establishing a correspondence between the main account and the multiple virtual accounts, adding the information of the multiple virtual accounts to the cash management contract, and generating a contract number; receiving an input customer number, querying the cash management tree corresponding to the customer number, and registering the information of the main account and the contract number under the cash management tree.

7. The apparatus according to claim 6, characterized in that, The device further includes: If a contract number does not exist in the cash management tree, or if a contract number exists but its status is invalid, it is determined that the customer does not have query privileges, and a query failure result is returned; or In response to a query indicating that a contract number exists and the contract status is valid, the system determines whether the main account is maintained in the cash management contract. If the determination fails, a query failure result is returned.

8. The apparatus according to claim 7, characterized in that, The contract signing module is also used to: receive the contract type set for the main account; The added module is also used for: Determine the information sending service corresponding to the aforementioned contract type; In response to the information sending service being proactively pushed, when the main account is detected to have transaction activity related to the target business, the target details information is sent to the communication information corresponding to the customer number; or In response to a passive query in the information sending service, upon receiving the detailed query request, the target detailed information is sent to the communication information.

9. The apparatus according to claim 6, characterized in that, The account query module is used for: Obtain the payee's account and payer's account from the detailed information; wherein, the main account is one of the payee's account and the payer's account; In response to the fact that the receiving account and the paying account belong to the same bank, the business component corresponding to the intra-bank transfer is invoked to query the target virtual account for processing the transaction number in the business channel; or In response to the fact that the banks to which the payee account and the payer account belong are different institutions, the business component corresponding to the interbank transfer is invoked to query and process the target virtual account of the transaction number in the business channel.

10. The apparatus according to claim 9, characterized in that, It also includes a refund module, used for: If a refund is received after the target virtual account initiates a remittance, the payee account is used as the new payer account and the main account is used as the new payee account. One or more refund details are retrieved from the refund channel. Query the refund transaction number corresponding to the transaction number to determine the refund details corresponding to the refund transaction number from the one or more refund details; The information of the target virtual account is added to the determined refund details to obtain the target refund details and then returned.

11. An electronic device, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-5.

12. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-5.

13. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-5.

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