Financial information updating method and device, equipment and storage medium

Abstract

The invention relates to the technical field of data processing, in particular to a financial information updating method and device, equipment and a storage medium. The method comprises the following steps: receiving an update notification sent by a financial server, wherein the update notification is used for indicating that financial information registered by a target object in the financial server is updated; and querying the stored identity information of the target object according to the update notification. And sending the query request to the financial server through an interface provided by the financial server in advance, and receiving second account information returned by the financial server. Wherein the query request is used for requesting the second account information associated with the updated financial information. And when it is determined that the identity information of the target object and the second account information have the same content, updating the stored financial information of the target object based on the update notification. According to the scheme, the security, accuracy and real-time performance of the financial information updating process can be improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device, equipment and storage medium for updating financial information. Background Art

[0002] In the field of Internet financial services, many popular applications (APPs) have launched some financial products, such as wealth management products or payment products. These financial products mainly rely on financial servers (such as banks) to conduct buying and selling transactions of money funds. The buying and selling transactions are realized through the financial information associated with the financial server by the APP users, for example, the buying and selling transactions are realized through the user's bank card information.

[0003] However, when the financial information associated with the user on the financial server is updated, the APP cannot obtain the updated financial information in time, which brings inconvenience to the user. For example, taking bank card information as an example, when a bank card needs to be replaced during use, the card replacement operation will be completed on the financial server. If the user still needs to use the bank card on the APP, he needs to actively update the card number in the APP. However, after changing the card on the financial server, the user often forgets to update the card number in the APP, resulting in the APP being unable to provide services to the user. Summary of the invention

[0004] The present application provides a financial information updating method, device, equipment and storage medium, which relate to the field of data processing technology and are used to improve the security, accuracy and real-time performance of the financial information updating process.

[0005] In a first aspect, the present application proposes a method for updating financial information, comprising:

[0006] Receiving an update notification sent by the financial server, the update notification is used to indicate that the financial information registered by the target object in the financial server is updated;

[0007] Query the stored identity information of the target object according to the update notification;

[0008] Sending a query request to the financial server through an interface pre-provided by the financial server, and receiving the second account information returned by the financial server; wherein the query request is used to request the second account information associated with the updated financial information;

[0009] When it is determined that the identity information of the target object and the second account information content are the same, the stored financial information of the target object is updated based on the update notification.

[0010] In some embodiments, the updating of the stored target object financial information based on the update notification specifically includes:

[0011] Sending an update request to the client of the target object; the update request is used to request the update of the financial information indicated in the notification to be updated, and the update request carries the update notification;

[0012] receiving updated financial information from the client;

[0013] The stored target object financial information is replaced with the updated financial information received from the client.

[0014] In some embodiments, the update notification carries updated financial information; and updating the stored target object financial information based on the update notification specifically includes:

[0015] The stored financial information of the target object is replaced with the updated financial information carried in the update notification.

[0016] In some embodiments, the financial information is information of a financial card; after receiving the update notification sent by the financial server, the method further includes:

[0017] The usage status of the financial card is obtained from the financial server through the interface, and it is determined that the obtained usage status is a normal usage status.

[0018] In some embodiments, after updating the stored target object financial information based on the update notification, the method further includes:

[0019] updating the characteristic data of the target object according to the updated financial information, and generating a business product suitable for the target object based on the updated characteristic data;

[0020] Send the service plan to the client of the target object.

[0021] In a second aspect, the present application proposes a method for updating financial information, the method comprising:

[0022] When the financial information registered by the target object changes, multiple financial applications used by the target object are obtained;

[0023] According to the agreement signed in advance with the multiple financial applications, a target financial application among the multiple financial applications is determined; the agreement of the target financial application indicates that the update of the financial information of the target object can be directly triggered to the target financial application;

[0024] Sending an update notification to the server of the target financial application, so that the server of the target financial application updates financial information;

[0025] Receiving a query request sent by a server of a target financial application; the query request is used to request second account information associated with the updated financial information;

[0026] The second account information is returned to the server of the target financial application.

[0027] In a third aspect, the present application proposes a financial information updating device, the device comprising:

[0028] A transceiver module, used to receive an update notification sent by a financial server, where the update notification is used to indicate that the financial information registered by the target object in the financial server has been updated;

[0029] A processing module, used for querying the stored identity information of the target object according to the update notification;

[0030] The transceiver module is further used to send a query request to the financial server through an interface pre-provided by the financial server, and receive the second account information returned by the financial server; wherein the query request is used to request the second account information associated with the updated financial information;

[0031] The processing module is further used to update the stored financial information of the target object based on the update notification when it is determined that the identity information of the target object and the second account information content are the same.

[0032] In some embodiments, the stored financial information of the target object is updated based on the update notification, and the processing module is specifically used to:

[0033] Sending an update request to the client of the target object; the update request is used to request the update of the financial information indicated in the notification to be updated, and the update request carries the update notification;

[0034] receiving updated financial information from the client;

[0035] The stored target object financial information is replaced with the updated financial information received from the client.

[0036] In some embodiments, the update notification carries the updated financial information; based on the update notification, the stored financial information of the target object is updated, and the processing module is specifically used to:

[0037] The stored financial information of the target object is replaced with the updated financial information carried in the update notification.

[0038] In some embodiments, the financial information is information of a financial card; after receiving the update notification sent by the financial server, the transceiver module is further used to: obtain the usage status of the financial card from the financial server through an interface;

[0039] The processing module is further used to: determine that the acquired usage status is a normal usage status.

[0040] In some embodiments, after updating the stored target object financial information based on the update notification, the processing module is further configured to:

[0041] updating the characteristic data of the target object according to the updated financial information, and generating a business product suitable for the target object based on the updated characteristic data;

[0042] Send the service plan to the client of the target object.

[0043] In a fourth aspect, the present application proposes a financial information updating device, the device comprising:

[0044] A data collection module, used to obtain multiple financial applications used by the target object when the financial information registered by the target object changes;

[0045] A processing module, used to determine a target financial application among the multiple financial applications according to an agreement signed in advance with the multiple financial applications; the agreement of the target financial application indicates that the update of the financial information of the target object can be directly triggered to the target financial application;

[0046] A transceiver module, used to send an update notification to a server of a target financial application, so that the server of the target financial application updates financial information;

[0047] The transceiver module is further used to receive a query request sent by the server of the target financial application; the query request is used to request the second account information associated with the updated financial information;

[0048] The transceiver module is also used to return the second account information to the server of the target financial application.

[0049] In a fifth aspect, the present application provides an electronic device, including:

[0050] A memory for storing program instructions;

[0051] The processor is used to call the program instructions stored in the memory, and execute the steps included in the method of any one of the first aspect or the second aspect according to the obtained program instructions.

[0052] In a sixth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes any one of the methods in the first aspect or the second aspect.

[0053] In a seventh aspect, the present application provides a computer program product, the computer program product comprising: a computer program code, when the computer program code is run on a computer, the computer executes any one of the methods in the first aspect or the second aspect. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for describing the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application.

[0055] Figure 1 A schematic diagram of the architecture of a financial information update scenario provided in an embodiment of the present application;

[0056] Figure 2 A flowchart of a method for updating financial information provided in an embodiment of the present application;

[0057] Figure 3 A flowchart of an exemplary method for updating financial information provided in an embodiment of the present application;

[0058] Figure 4 A schematic diagram of the structure of a financial information updating device provided in an embodiment of the present application;

[0059] Figure 5 A schematic diagram of the structure of another device for updating financial information provided in an embodiment of the present application;

[0060] Figure 6 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0061] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be arbitrarily combined with each other. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0062] The terms "first" and "second" in the specification and claims of this application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally includes steps or units that are not listed, or optionally includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in this application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.

[0063] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0064] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0065] In the field of Internet financial services, many popular applications (APPs) have launched some financial products, such as wealth management products or payment products. These financial products mainly rely on financial servers (such as banks) to conduct buying and selling transactions of money funds. The buying and selling transactions are realized through the financial information associated with the financial server by the APP users, for example, the buying and selling transactions are realized through the user's bank card information.

[0066] However, when the financial information associated with the user on the financial server is updated, the APP cannot obtain the updated financial information in time, which brings inconvenience to the user. For example, taking bank card information as an example, when a bank card needs to be replaced during use, the card replacement operation will be completed on the financial server. If the user still needs to use the bank card on the APP, he needs to actively update the card number in the APP. However, after changing the card on the financial server, the user often forgets to update the card number in the APP, resulting in the APP being unable to provide services to the user.

[0067] In view of this, the present application proposes a method and device for updating financial information, receiving an update notification sent by a financial server, the update notification is used to indicate that the financial information registered by the target object in the financial server has been updated; querying the stored identity information of the target object according to the update notification. Sending a query request to the financial server through an interface pre-provided by the financial server, and receiving the second account information returned by the financial server; wherein the query request is used to request the second account information associated with the updated financial information. When it is determined that the identity information of the target object and the second account information are the same, the stored financial information of the target object is updated based on the update notification.

[0068] In order to facilitate understanding of the financial information update solution proposed in this application, the following describes the scenarios to which this application solution is applicable. Figure 1 , is a schematic diagram of an architecture of a financial information update scenario provided in an embodiment of the present application. It should be understood that the embodiment of the present application is not limited to Figure 1 In the scenario architecture shown, in addition, Figure 1 The device in the structure can be hardware, or software divided according to its functions, or a combination of the two. Figure 1 As shown, the financial information update scenario provided by the embodiment of the present application includes a client and a financial server.

[0069] Exemplarily, the client may also be referred to as a User Equipment (UE), a Mobile Station (MS), a Mobile Terminal (MT), etc., which is a device that provides voice and / or data connectivity to a user, for example, a handheld device with a wireless connection function, a vehicle-mounted device, etc. At present, some examples of terminal devices are: mobile phones, tablet computers, laptop computers, PDAs, mobile Internet devices (MID), wearable devices, virtual reality (VR) devices, augmented reality (AR) devices, wireless terminal devices in industrial control, wireless terminal devices in self driving, wireless terminal devices in remote medical surgery, wireless terminal devices in smart grids, wireless terminal devices in transportation safety, wireless terminal devices in smart cities, wireless terminal devices in smart homes, etc. Exemplarily, a variety of different network applications may be deployed in the client, and different applications may correspond to different financial servers. The client may send query requests to the corresponding financial servers in response to query operations triggered by users in different applications.

[0070] It should be noted that the present application does not limit the type of database supported by the financial server, for example, a distributed database may be used. In addition, the present application does not limit the number of clients and servers included in the financial information update scenario.

[0071] Next, combine Figure 1 The scenario shown introduces the solution of the present application. For example, see Figure 2 , is a flowchart of a method for updating financial information provided in an embodiment of the present application. Optionally, Figure 2 The method flow shown is applied to the server side of financial applications. Figure 2 The method flow shown specifically includes:

[0072] Step 201: Receive an update notification sent by a financial server.

[0073] The update notification is used to indicate that the financial information registered by the target object in the financial server is updated.

[0074] In some embodiments, before the financial server sends an update notification to the server of the financial application, the financial server may obtain multiple financial applications used by the target object when the financial information registered by the target object changes.

[0075] For example, the financial server identifies changes in the target object's financial information through monitoring and detection. For example, the changes in financial information may be changes in account limits, updates to transaction records, adjustments to credit ratings, etc. The financial server uses its database and application programming interface to identify multiple financial applications currently being used by the target object. For example, financial applications may be mobile payment applications, insurance service applications, and other applications.

[0076] After obtaining multiple financial applications used by the target object, the financial server determines a target financial application from the multiple financial applications according to the agreement signed in advance with the multiple financial applications. The agreement of the target financial application indicates that the update of the target object's financial information can be directly triggered to the target financial application. The financial server sends an update notification to the server of the target financial application, which is used for the server of the target financial application to update the financial information.

[0077] In the above method, the financial server determines the target financial application based on the agreement signed with multiple financial applications and the changes in the target object's financial information, thereby triggering the corresponding information update process. The financial server can send update notifications to the server of the target financial application in a timely manner, which can ensure the accuracy and timeliness of the financial information and help to make decisions and adjustments based on the update notification in a timely manner.

[0078] In some embodiments, the financial information may be information of a financial card. After receiving the update notification sent by the financial server, the use status of the financial card may be obtained from the financial server through an interface, and if the obtained use status is determined to be a normal use status, step S202 is executed.

[0079] Exemplarily, after receiving the update notification sent by the financial server, the usage status of the financial card (such as a credit card, debit card, prepaid card, etc.) is further queried and obtained through the interface to confirm that the usage status of the financial card is a normal usage status.

[0080] For example, the usage status of a financial card may include whether it is activated, expired, frozen, has unprocessed transactions, exceeds the credit limit, is the card damaged, has an invalid magnetic stripe, has an invalid chip, is expired, etc.

[0081] Optionally, if the usage status of the financial card is obtained from the financial server through the interface and the obtained usage status is an abnormal usage status, the server of the financial application can return abnormal information to the financial server.

[0082] In a possible scenario, a malfunction in the financial system, such as a hardware failure, software vulnerability, or human operation error, can cause the usage status of the financial card to be an abnormal usage status. For example, the system may fail to correctly identify and process transaction requests, or may incorrectly mark certain accounts as abnormal. In such cases, problems such as being unable to withdraw money, transfer funds, or perform other financial operations may be encountered.

[0083] In another possible scenario, network problems can also cause the usage status of the financial card to be an abnormal usage status. For example, network latency, interruption, or instability may cause transaction information to fail to be transmitted to the financial system in a timely manner, or the financial system may fail to respond to transaction requests in a timely manner. In addition, network attacks such as network intrusion and DDoS attacks may also cause the financial system to collapse or data leakage, which can also cause the usage status of the financial card to be an abnormal usage status.

[0084] Step 202: Query the identity information of the stored target object according to the update notification.

[0085] In some embodiments, the update notification may include the user number of the target object. The user number is information used within the enterprise to identify the user, such as a digital sequence or a combined sequence of numbers and letters. The server of the financial application can query the stored identity information of the target object based on the user number. For example, the identity information may include the identifier of the user. The identifier of the user is used to identify the user's identity in a specific region. For example, the identifier of the user may be the character "Zhang San", identity identification, etc.

[0086] Step 203: Send a query request to the financial server through the interface provided by the financial server in advance, and receive the second account information returned by the financial server.

[0087] Among them, the query request is used to request the second account information associated with the updated financial information.

[0088] In some embodiments, the target object may have multiple accounts. There may be a certain association relationship between multiple accounts (such as the relationship between a primary card and a secondary card, the relationship between a parent account and a sub-account, etc.). The second account information may be the specific information of another account associated with the updated financial information. For example, the second account information may include information such as the account status and the identity information of the account holder.

[0089] Step 204: When it is determined that the identity information of the target object is the same as the content of the second account information, update the stored financial information of the target object based on the update notification.

[0090] In some embodiments, when it is determined that the identity information of the target object and the identity information of the account holder in the second account information are the same, an update request may be sent to the client of the target object. The update request is used to request to update the financial information indicated in the notification to be updated. The update request carries the update notification. The updated financial information is received from the client. The stored financial information of the target object is replaced with the updated financial information received from the client.

[0091] In order to ensure that the target object requesting to update financial information is the authorized party of the financial information, the financial server verifies whether the identity information of the target object is exactly the same as the identity information of the account holder in the second account information. When it is determined that the identity information of the target object and the second account information are the same, an update request can be sent to the client of the target object. After receiving the update request, the client will query and obtain the latest financial information according to the instructions in the request and the update notification provided. The client sends the updated financial information back to the server of the financial application. The server of the financial application receives the updated financial information from the client. The stored financial information of the target object is replaced with the updated financial information received from the client.

[0092] In the above method, by updating the stored target object financial information, it is possible to efficiently process the update request of the financial information and improve the security, accuracy and real-time performance of the financial information update process.

[0093] Optionally, the characteristic data of the target object may be updated according to the updated financial information, and a business product suitable for the target object may be generated based on the updated characteristic data. The business solution may be sent to the client of the target object.

[0094] For example, the characteristic data of the target object can be detected in real time or regularly. The characteristic data may include: financial card level, credit assessment score of the target object, etc. Based on the updated characteristic data generation, the target object's customer group classification is dynamically adjusted using a preset machine learning algorithm. For example, the target object is divided into "conservative investors", "steady investors", "aggressive investors", etc. According to the user's customer group classification, a preset algorithm is used to recommend suitable business products for the target object.

[0095] In the above method, based on the updated feature data of the target object, a business product suitable for the target object is generated, which helps to improve the matching degree between the business product and the user's needs, meet the user's business needs, and improve the user's usage experience.

[0096] For example, see Figure 3 , is a flowchart of an exemplary method for updating financial information provided in an embodiment of the present application, Figure 3 The method flow shown specifically includes:

[0097] Step 301: When the financial information registered by the target object changes, the financial server obtains multiple financial applications used by the target object.

[0098] Step S302: The financial server determines a target financial application among the multiple financial applications according to an agreement signed in advance with the multiple financial applications.

[0099] The protocol of the target financial application indicates that the update of the target object's financial information can be directly triggered to the target financial application.

[0100] Step S303: The financial server sends an update notification to the server of the target financial application, so that the server of the target financial application updates financial information.

[0101] Step S304: The server of the financial application receives the update notification sent by the financial server.

[0102] The update notification is used to indicate that the financial information registered by the target object in the financial server is updated.

[0103] Step S305: The server of the financial application program queries the stored identity information of the target object according to the update notification.

[0104] Step S306: The server of the financial application sends a query request to the financial server through an interface pre-provided by the financial server.

[0105] The query request is used to request the second account information associated with the updated financial information.

[0106] Step S307: The financial server receives a query request sent by the server of the target financial application.

[0107] The query request is used to request the second account information associated with the updated financial information.

[0108] Step S308: The financial server returns the second account information to the server of the target financial application.

[0109] Step S309: The server of the financial application receives the second account information returned by the financial server.

[0110] Step S310: When the server of the financial application determines that the identity information of the target object and the second account information are the same, the server of the financial application updates the stored financial information of the target object based on the update notification.

[0111] Based on the same concept as the above method, see Figure 4 , is a financial information updating device 400 provided in an embodiment of the present application, the device 400 is used to implement each step in the above method embodiment, and in order to avoid repetition, it will not be described again. The device 400 includes: a transceiver module 401 and a processing module 402.

[0112] The transceiver module 401 is used to receive an update notification sent by a financial server, where the update notification is used to indicate that the financial information registered by the target object in the financial server is updated;

[0113] Processing module 402, used to query the stored identity information of the target object according to the update notification;

[0114] The transceiver module 401 is further used to send a query request to the financial server through an interface pre-provided by the financial server, and receive the second account information returned by the financial server; wherein the query request is used to request the second account information associated with the updated financial information;

[0115] The processing module 402 is further configured to update the stored financial information of the target object based on the update notification when it is determined that the identity information of the target object and the second account information are the same.

[0116] In some embodiments, the stored target object financial information is updated based on the update notification, and the processing module 402 is specifically used to:

[0117] Sending an update request to the client of the target object; the update request is used to request the update of the financial information indicated in the notification to be updated, and the update request carries the update notification;

[0118] receiving updated financial information from the client;

[0119] The stored target object financial information is replaced with the updated financial information received from the client.

[0120] In some embodiments, the update notification carries the updated financial information; based on the update notification, the stored target object financial information is updated, and the processing module 402 is specifically used to:

[0121] The stored financial information of the target object is replaced with the updated financial information carried in the update notification.

[0122] In some embodiments, the financial information is information of a financial card; after receiving the update notification sent by the financial server, the transceiver module is further used to: obtain the usage status of the financial card from the financial server through an interface;

[0123] The processing module 402 is further used to determine that the acquired usage status is a normal usage status.

[0124] In some embodiments, after the stored target object financial information is updated based on the update notification, the processing module 402 is further configured to:

[0125] updating the characteristic data of the target object according to the updated financial information, and generating a business product suitable for the target object based on the updated characteristic data;

[0126] Send the service plan to the client of the target object.

[0127] Based on the same concept as the above method, see Figure 5 , is another financial information updating device 500 provided in the embodiment of the present application, the device 500 is used to implement each step in the above method embodiment, and in order to avoid repetition, it will not be described here. The device 500 includes: a data collection module 501, a processing module 502, and a transceiver module 503.

[0128] The data collection module 501 is used to obtain multiple financial applications used by the target object when the financial information registered by the target object changes;

[0129] Processing module 502, for determining a target financial application among the multiple financial applications according to an agreement signed in advance with the multiple financial applications; the agreement of the target financial application indicates that the update of the target object financial information can be directly triggered to the target financial application;

[0130] The transceiver module 503 is used to send an update notification to the server of the target financial application, so that the server of the target financial application updates the financial information;

[0131] The transceiver module 503 is further used to receive a query request sent by the server of the target financial application; the query request is used to request the second account information associated with the updated financial information;

[0132] The transceiver module 503 is further configured to return the second account information to the server of the target financial application program.

[0133] Figure 6 The electronic device 600 provided in the embodiment of the present application is shown in FIG. 6. The electronic device 600 in the embodiment of the present application may further include a communication interface 603, which is, for example, a network port, and the electronic device may transmit data through the communication interface 603. For example, the communication interface 603 may be used to implement the above Figure 4 The transceiver module 401, or Figure 5 The functions of the data collection module 501 and the transceiver module 503.

[0134] In the embodiment of the present application, the memory 602 stores instructions that can be executed by at least one processor 601. The at least one processor 601 can be used to execute each step in the above method by executing the instructions stored in the memory 602. For example, the processor 601 can implement the above Figure 4 The processing module 402 in, or Figure 5 The function of the processing module 502 in.

[0135] Among them, the processor 601 is the control center of the electronic device, and can use various interfaces and lines to connect various parts of the entire electronic device, by running or executing instructions stored in the memory 602 and calling data stored in the memory 602. Optionally, the processor 601 may include one or more processing units, and the processor 601 may integrate an application controller and a modem controller, wherein the application controller mainly processes the operating system and application programs, and the modem controller mainly processes wireless communications. It is understandable that the above-mentioned modem controller may not be integrated into the processor 601. In some embodiments, the processor 601 and the memory 602 may be implemented on the same chip, and in some embodiments, they may also be implemented separately on independent chips.

[0136] The processor 601 may be a general controller, such as a central processing unit (CPU), a digital signal controller, 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, and may implement or execute the methods, steps, and logic block diagrams disclosed in the embodiments of the present application. The general controller may be a microcontroller or any conventional controller, etc. The steps disclosed in the embodiments of the present application may be directly executed by a hardware controller, or may be executed by a combination of hardware and software modules in the controller.

[0137] The memory 602 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer executable programs and modules. The memory 602 may include at least one type of storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory, a random access memory (English: Random Access Memory, referred to as: RAM), a static random access memory (English: Static Random Access Memory, referred to as: SRAM), a programmable read-only memory (English: Programmable Read Only Memory, referred to as: PROM), a read-only memory (English: Read Only Memory, referred to as: ROM), an electrically erasable programmable read-only memory (English: Electrically Erasable Programmable Read-Only Memory, referred to as: EEPROM), a magnetic memory, a disk, an optical disk, etc. The memory 602 is any other medium that can be used to carry or store a desired program code in the form of an instruction or data structure and can be accessed by a computer, but is not limited thereto. The memory 602 in the embodiment of the present application can also be a circuit or any other device that can realize a storage function, for storing program instructions and / or data.

[0138] By designing and programming the processor 601, for example, the code corresponding to the method introduced in the above embodiment can be solidified into the chip, so that the chip can execute the above method steps when running. How to design and program the processor 601 is a technology well known to those skilled in the art and will not be repeated here.

[0139] Based on the same inventive concept, the embodiment of the present application provides a computer-readable storage medium, and the computer program product includes: computer program code, when the computer program code is run on a computer, the computer executes the method discussed above. Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the above-mentioned method, the implementation of the above-mentioned computer-readable storage medium can refer to the implementation of the method, and the repeated parts will not be repeated.

[0140] Based on the same inventive concept, the embodiment of the present application further provides a computer program product, which includes: computer program code, when the computer program code is run on a computer, the computer executes any of the methods discussed above. Since the principle and method of solving the problem by the above computer program product are similar, the implementation of the above computer program product can refer to the implementation of the method, and the repeated parts will not be repeated.

[0141] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0142] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a controller of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the controller of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0143] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0144] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0145] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present application.

[0146] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A method for updating financial information, characterized in that: The method is applied to the server of a financial application program, and the method comprises: Receiving an update notification sent by a financial server, wherein the update notification is used to indicate that financial information registered with the financial server by the target object is updated; querying the stored identity information of the target object according to the update notification; Sending a query request to the financial server through an interface pre-provided by the financial server, and receiving the second account information returned by the financial server; wherein the query request is used to request the second account information associated with the updated financial information; When it is determined that the identity information of the target object and the second account information are identical, the stored financial information of the target object is updated based on the update notification.

2. The method according to claim 1, characterized in that Updating the stored target object financial information based on the update notification specifically includes: Sending an update request to the client of the target object; the update request is used to request the financial information indicated to be updated in the update notification, and the update request carries the update notification; receiving updated financial information from the client; The stored financial information of the target object is replaced with the updated financial information received from the client.

3. The method according to claim 1, characterized in that The update notification carries the updated financial information; and updating the stored financial information of the target object based on the update notification specifically includes: The stored financial information of the target object is replaced with the updated financial information carried in the update notification.

4. The method according to any one of claims 1 to 3, characterized in that: The financial information is information of a financial card; after receiving an update notification sent by a financial server, the method further includes: The usage status of the financial card is obtained from the financial server through the interface, and the obtained usage status is determined to be a normal usage status.

5. The method according to any one of claims 1 to 3, characterized in that: After updating the stored target object financial information based on the update notification, the method further includes: updating the characteristic data of the target object according to the updated financial information, and generating a business product suitable for the target object based on the updated characteristic data; The service plan is sent to a client of the target object.

6. A method for updating financial information, characterized in that: The method comprises: When the financial information registered by the target object changes, obtaining multiple financial applications used by the target object; Determining a target financial application among the multiple financial applications according to an agreement signed in advance with the multiple financial applications; the agreement of the target financial application indicates that an update of the target object financial information can be directly triggered to the target financial application; Sending an update notification to a server of a target financial application, so that the server of the target financial application updates the financial information; Receiving a query request sent by a server of the target financial application; the query request is used to request second account information associated with the updated financial information; The second account information is returned to the server of the target financial application.

7. A financial information updating device, characterized in that: The device comprises: A transceiver module, used to receive an update notification sent by a financial server, wherein the update notification is used to indicate that the financial information of the target object registered with the financial server is updated; A processing module, configured to query the stored identity information of the target object according to the update notification; The transceiver module is further used to send a query request to the financial server through an interface pre-provided by the financial server, and receive the second account information returned by the financial server; wherein the query request is used to request the second account information associated with the updated financial information; The processing module is further configured to update the stored financial information of the target object based on the update notification when it is determined that the identity information of the target object and the second account information are identical.

8. The device according to claim 7, characterized in that The stored financial information of the target object is updated based on the update notification, and the processing module is specifically used to: Sending an update request to the client of the target object; the update request is used to request the financial information indicated to be updated in the update notification, and the update request carries the update notification; receiving updated financial information from the client; The stored financial information of the target object is replaced with the updated financial information received from the client.

9. The device according to claim 7, characterized in that The update notification carries the updated financial information; based on the update notification, the stored financial information of the target object is updated, and the processing module is specifically used to: The stored financial information of the target object is replaced with the updated financial information carried in the update notification.

10. The device according to any one of claims 7 to 9, characterized in that: The financial information is information of the financial card; after receiving the update notification sent by the financial server, the transceiver module is further used to: obtain the usage status of the financial card from the financial server through the interface; The processing module is further used to determine that the acquired usage status is a normal usage status.

11. The device according to any one of claims 7 to 9, characterized in that: After updating the stored financial information of the target object based on the update notification, the processing module is further used to: updating the characteristic data of the target object according to the updated financial information, and generating a business product suitable for the target object based on the updated characteristic data; The service plan is sent to a client of the target object.

12. A financial information updating device, characterized in that: The device comprises: A data collection module, used to obtain multiple financial applications used by the target object when the financial information registered by the target object changes; A processing module, configured to determine a target financial application among the multiple financial applications according to an agreement signed in advance with the multiple financial applications; the agreement of the target financial application indicates that the update of the target object financial information can be directly triggered to the target financial application; A transceiver module, used to send an update notification to a server of a target financial application, so that the server of the target financial application updates the financial information; The transceiver module is further used to receive a query request sent by the server of the target financial application; the query request is used to request the second account information associated with the updated financial information; The transceiver module is further used to return the second account information to the server of the target financial application.

13. An electronic device, characterized in that: include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the steps included in the method of any one of claims 1-5, or 6 according to the obtained program instructions.

14. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes the method according to any one of claims 1 to 5 or 6.

15. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is run on a computer, the computer is caused to execute the method according to any one of claims 1 to 5 or 6 above.

Images