Data processing method, electronic device and computer program product

Abstract

The invention provides a data processing method, electronic equipment and a computer program product. The invention discloses a data processing method. Hierarchy information is generated according to distribution information of first data in a first account in second accounts, the first account is used for storing transaction data of a target bill, the value of the first data is smaller than or equal to the value of the transaction data, and the second accounts are used for storing second data distributed from the first data; the hierarchical information is used for representing the hierarchical relationship between the accounts when the first data is distributed; in response to a data fallback instruction for the target bill, determining fallback information of each second account according to the hierarchical information; and according to the backspacing information, backspacing the second data to the first account.

Description

Technical Field

[0001] The present disclosure relates to the technical field of data processing and the like. In particular, the present disclosure relates to a data processing method, an electronic device, and a computer program product. Background Art

[0002] After a transaction is concluded, the funds obtained by the trading parties will be distributed to the participating parties at each level according to the pre-agreed distribution ratio. However, when implementing a transaction contract, the customer may make payments in batches. For the funds of the same contract number but different batches, they also need to be distributed according to the distribution ratio. Each time funds are remitted, the existing distribution mechanism only distributes the funds according to the agreement, and the hierarchical relationship of the distribution is not clear. Once there are changes in the distribution ratio or refund requests issued by the customer, it is difficult to accurately trace and redistribute the funds. Especially in cases where a participating party withdraws from the contract or the balance of a participating party's account is insufficient, relying solely on the trading party to advance funds for refunds to maintain the customer's trading experience is not a long-term solution. Summary of the Invention

[0003] The present disclosure provides a data processing method, an electronic device, and a computer program product.

[0004] According to one aspect of the present disclosure, there is provided a data processing method, including: generating hierarchical information according to the distribution information of first data in each second account in a first account, where the first account is used to store transaction data of a target bill, the value of the first data is less than or equal to the value of the transaction data, the second account is used to store second data allocated from the first data, and the hierarchical information is used to represent the hierarchical relationship between the accounts when allocating the first data; in response to a data rollback instruction for the target bill, determining the rollback information of each second account according to the hierarchical information; and rolling back the second data to the first account according to the rollback information.

[0005] In some embodiments, generating the hierarchical information includes: when the second account obtains the second data in the first data, determining the upstream account of the second account, where the upstream account is the account that allocates the second data to the second account; using the data value of the second data as the allocation value allocated by the upstream account to the second account; when allocating the second data to each second account, determining the allocation level of the second account according to the allocation priority of the second account for obtaining the second data, and the allocation priority is positively correlated with the allocation level; using the upstream account, the allocation value, and the allocation level as the hierarchical parameters of the second account, and generating the hierarchical information including the hierarchical parameters of each second account.

[0006] In some embodiments, determining the rollback information of each of the second accounts includes: after obtaining the data rollback instruction, based on the hierarchical information, determining the upstream account of the second account, the current data value of the second account, the assigned value, and the assigned level of the second account; determining whether the current data value of the second account is greater than or equal to the assigned value; in the case where the current data value of the second account is greater than or equal to the assigned value, using the assigned value as the rollback value, where the rollback value is the value of the second data when the second account rolls back to the upstream account; or, in the case where the current data value of the second account is less than the assigned value, using the current data value of the second account as the rollback value; and generating rollback information including the upstream account, the rollback value, and the assigned level.

[0007] In some embodiments, rolling back the second data to the first account includes: forming a hierarchical sequence according to the assigned levels in each of the rollback information, where the hierarchical sequence is arranged in descending order of the assigned levels; and sequentially rolling back the second data in the second account to the first account according to the hierarchical sequence, including: rolling back the second data in the second account to the upstream account in the rollback information according to the rollback value of the rollback information until the upstream account is the first account.

[0008] In some embodiments, it further includes: in response to a refund request, determining whether the current data value of the first account is greater than or equal to the requested value in the refund request.

[0009] In some embodiments, after determining whether the current data value of the first account is greater than or equal to the requested value in the refund request, it includes: in the case where the current data value of the first account is less than the requested value in the refund request, determining the second accounts whose rollback values are less than the assigned values according to the rollback information; determining the difference between the assigned value and the rollback value, and extracting third data in the third account associated with the second account according to the difference, where the third account and the second account correspond to the same participant; and returning the third data to the first account, where the total value of all the third data and the total rollback value returned to the first account is equal to the total value of all the second data.

[0010] In some embodiments, after returning the third data to the first account, it includes: performing a data security check on the first account according to the current data value and the requested value of the first account.

[0011] In some embodiments, the data security verification of the first account includes: determining whether a first sum value of a current data value of the first account and a total value of all second data is equal to a sum value of all the first data, a total rollback value rolled back to the first account, and a second sum value of a total value of all the third data; determining whether the requested value is less than or equal to a value of the first data when the first sum value is equal to the second sum value; and passing the data security verification of the first account when the requested value is less than or equal to the value of the first data.

[0012] In some embodiments, after passing the data security verification of the first account, it includes: transferring the data in the first account to the requesting party's account of the refund request according to the requested value.

[0013] In some embodiments, before generating the hierarchical information, it further includes: generating the first account according to the business name of the trading party and the contract number of the target bill; and generating the second account for each of the participating parties respectively according to the business names of the participating parties and the contract number.

[0014] According to another aspect of the present disclosure, there is provided an electronic device, including: a memory that stores execution instructions; and a processor that executes the execution instructions stored in the memory, such that the processor executes the data processing method according to any embodiment of the present disclosure.

[0015] According to still another aspect of the present disclosure, there is provided a readable storage medium storing execution instructions, and when the execution instructions are executed by a processor, they are used to implement the data processing method according to any embodiment of the present disclosure.

[0016] According to yet another aspect of the present disclosure, there is provided a computer program product including a computer program, and when the computer program is executed by a processor, it implements the data processing method according to any embodiment of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings illustrate exemplary embodiments of the present disclosure and, together with the description thereof, are used to explain the principles of the present disclosure. These drawings are included to provide a further understanding of the present disclosure and are included in this specification and form a part of this specification.

[0018] Figure 1 is a schematic diagram of an application scenario of the data processing method according to an embodiment of the present disclosure.

[0019] Figure 2 is a flowchart of the data processing method according to an embodiment of the present disclosure.

[0020] Figure 3 It is a schematic diagram of hierarchical information according to an embodiment of the present disclosure.

[0021] Figure 4 It is a schematic diagram of the rollback process of the second data according to an embodiment of the present disclosure.

[0022] Figure 5 It is a schematic diagram of the refund process according to an embodiment of the present disclosure.

[0023] Figure 6 It is a schematic block diagram of the structure of a data processing device according to an embodiment of the present disclosure.

[0024] Figure 7 It is a schematic block diagram of the structure of an electronic device according to an embodiment of the present disclosure. Detailed implementation manners

[0025] The present disclosure will be further described in detail below with reference to the accompanying drawings and examples. It can be understood that the specific examples described herein are only for explaining the relevant content and do not limit the present disclosure. Additionally, it should be noted that for the sake of description, only parts related to the present disclosure are shown in the drawings.

[0026] It should be noted that, without conflict, the embodiments in the present disclosure and the features in the embodiments can be combined with each other. The technical solutions of the present disclosure will be described in detail below with reference to the drawings and in combination with the embodiments.

[0027] In scenarios such as purchasing a house or renting a house, after the transaction is completed, the customer will pay transaction commission and other payments to the trading party (such as the closing store). The funds obtained by the trading party will be distributed to participating parties at each level according to a pre-agreed distribution ratio, and these participating parties may include cooperation parties, brand parties, platforms, etc. However, when implementing the transaction contract, the customer may make payments in batches, and the funds of different batches with the same contract number also need to be distributed according to the distribution ratio. Each time the funds are remitted, the existing distribution mechanism only distributes the funds according to the agreement, and the hierarchical relationship of the distribution is not clear. Once there is a change in the distribution ratio or a refund request from the customer, it is difficult to accurately trace and redistribute the funds. Especially in cases where a participating party withdraws from the contract or the balance of a participating party's account is insufficient, if only relying on the trading party to advance funds for refund to maintain the customer's transaction, problems such as incorrect fund processing and chaotic tracing relationships are likely to occur.

[0028] Therefore, the present disclosure proposes a data processing method.

[0029] Figure 1 It is a schematic diagram of the application scenario of the data processing method according to an embodiment of the present disclosure. As Figure 1As shown, in this application scenario, it may include a server 100 and a terminal device 200. The server 100 and the terminal device 200 can be connected through a network or Bluetooth for data interaction. The server 100 can be a cloud server or a physical server, and the terminal device 200 can be an intelligent device such as a computer, a mobile phone, or a tablet. The server 100 is used to provide the basic data required for running the data processing method, and the terminal device 200 executes the data processing method of the present disclosure based on the basic data provided by the server 100.

[0030] For the convenience of description and to make the technical solutions of the specific embodiments of the present disclosure easier to understand, before describing the data processing method implemented in the present disclosure, the technical terms involved in the specific embodiments of the present disclosure are explained as follows: First account: Used to store the transaction data of the trading party regarding the target bill. The first account corresponds to the unique trading party business name and the contract number of the target bill. Usually, there is one trading party for the same target bill, corresponding to one first account. Of course, in different scenarios, there can also be multiple trading parties, and then there will be multiple corresponding first accounts, which are not limited here.

[0031] Trading party: A merchant that directly provides services to customers, such as a real estate trading store that signs a house purchase contract with a customer, etc. Each trading party has a unique merchant number.

[0032] First data: It is the transaction data transferred by the customer to the first account. The first data is all or part of the first account. When the customer and the trading party reach a transaction agreement, a transaction contract will be generated, and the transaction contract will generate a target bill between the customer and the trading party. The customer can pay the amount of the target bill in one lump sum or in installments, and each payment will generate a payment order. Each time a payment is made, the funds transferred by the customer to the first account are the first data. Among them, the contract number of the target bill is the same as the contract number of the transaction contract.

[0033] Second account: Used to store the second data allocated to the participating party from the first data. The second account corresponds to the unique participating party business name and the contract number of the target bill. Therefore, the participating party business name and the contract number can locate a unique second account. By setting a second account for each transaction contract participated by the participating party, the situation of misusing the funds of this participating party is avoided.

[0034] Participating party: A merchant that has a transaction association with the trading party. The participating party can be a cooperative party, a brand party, a platform party, etc. The participating parties involved in each transaction contract can be different, and the number of participating parties is also set according to requirements, which are not limited here.

[0035] Second data: It is transaction data deposited into a second account through the allocation of first data, and it is the result of the allocation of the first data. The second data is part or all of the first data. If a customer executes a target bill in an installment payment manner, each time the first account obtains the first data, it will allocate the second data to each second account according to a pre-agreed allocation ratio. For the same first data, the values of the second data obtained by each second account can be different; for different first data, the values of the second data obtained by the same second account can be different.

[0036] Hierarchical information: It is used to represent the hierarchical relationship between accounts when allocating the first data. The hierarchical information includes the hierarchical parameters of each second account, and the hierarchical parameters include the upstream account, allocation value, and allocation level of the second account. The upstream account is the account that allocates the second data to the second account, which can be the first account or the rest of the second accounts; the allocation value is the value of the second data allocated by the upstream account to the second account, and the allocation value should be less than or equal to the value of the first data; the allocation level represents the allocation order of the second account in the process of allocating the first data. Different allocation priorities of the second account will result in different allocation levels, and the allocation level is positively correlated with the allocation priority.

[0037] Withdrawal value: It is the value of the second data withdrawn by the second account to the upstream account, and the withdrawal value should be less than or equal to the allocation value of the second data allocated by the upstream account.

[0038] Figure 2 It is a flowchart of the data processing method according to the embodiments of the present disclosure. Refer to Figure 2 , a data processing method M200 is provided. Through steps S210 to S230, when allocating the first data, the allocation details between accounts are clearly recorded, so that when withdrawing, the determination of the withdrawal value and the upstream account can be based on evidence. The basic data required for the operation of the data processing method M200 can be stored on Figure 1 server 100 and run by the terminal device 200.

[0039] In step S210, hierarchical information is generated according to the allocation information of the first data in each second account in the first account.

[0040] The first account is the account of the trading party regarding the target bill and is used to store the first data regarding the target bill. In the real estate transaction scenario, the first data can be commissions generated during the house purchase process, etc., which are not limited here.

[0041] The trading party is a service merchant that directly interfaces with customers and charges fees. The entire process of concluding a transaction may involve the support of other participating parties, such as brand parties like the real estate trading brand registered for the property, platform parties that display property information online, and other cooperative parties. Obviously, the first data is not exclusive to the trading party and needs to be distributed among the participating parties. The participating parties can agree on the distribution ratio, distribution order, and the upstream accounts for distributing the second data of the first data, which are not restricted here.

[0042] During the distribution process of the first data, hierarchical information is formed by recording the distribution information. When distributing the first data, according to the distribution order, the downstream participating parties of the trading party or each participating party are determined. After the trading party or each participating party obtains at least part of the first data, the first data is distributed to the downstream accounts of their respective associated downstream participating parties according to the distribution ratio. For the downstream participating parties, the accounts that distribute at least part of the data to the downstream accounts are the upstream accounts. Since the first data is distributed layer by layer according to the agreed distribution order, after each second account obtains at least part of the first data, the upstream account of the second account, the distribution value obtained by the second account, and the hierarchical parameters such as the distribution level of the second account can be determined. The set of hierarchical parameters of each second account is the hierarchical information.

[0043] The hierarchical information can represent the hierarchical relationship between accounts when distributing the first data. If subsequent situations such as resetting the distribution ratio or customer refund occur, data rollback can be performed according to the association between accounts and the actual distribution values shown in the hierarchical information, so that the first account can regain the full amount of the first data as much as possible; or, even if it is impossible to regain the full amount of the first data, the specific value of the gap can be known and the second account that caused the gap can be located.

[0044] In step S220, in response to the data rollback instruction for the target bill, according to the hierarchical information, the rollback information of each second account is determined.

[0045] The data rollback instruction is an instruction to control each second account to roll back the second data to the first account. When situations such as resetting the distribution ratio or customer refund occur, a data rollback instruction will be generated to recover the data distributed to each second account for the first account.

[0046] The hierarchical information includes the upstream accounts of each second account, the distribution values assigned by the upstream accounts to the second accounts, and the distribution levels of the second accounts.

[0047] Furthermore, by consulting the second account, the current data value of the second account can be determined. If the current data value of the second account is greater than or equal to the allocated value for the second account, then the allocated value is used as the fallback value of the second account and a full refund is made. Conversely, if the current data value of the second account is less than the allocated value for the second account, it means that the second data in the second account is used (e.g., cash withdrawal). At this time, the current data value of the second account is used as the fallback value to minimize the data gap of the first account and reduce the amount of data that needs to be advanced.

[0048] The rollback information includes the rollback value, the upstream account and the allocation level. According to the allocation level in the rollback information of all second accounts, the hierarchical sequence of the target bill can be determined. Then the second data is rolled back level by level according to the hierarchical sequence. The hierarchical sequence is arranged in reverse order of the allocation level. In other words, the last account allocated to the second data should be at the top of the allocation level. In this way, when each second account rolls back data to its upstream account, its current data value includes at least part of the allocation value allocated to the downstream account, ensuring the high efficiency of the rollback.

[0049] In step S230, the second data is rolled back to the first account according to the rollback information.

[0050] The rollback information specifies the upstream account and rollback value of each second account. Data rollback is performed on each second account layer by layer according to the hierarchical sequence. When rolling back to a second account, the second data of the second account is controlled to roll back to the first account according to the rollback value. After all second accounts have been rolled back, the first account should have full first data. If there is a difference between the current value of the first account and the value of the first data originally remitted by the customer, at least the second account whose current data value is less than the allocated value and its difference can be located.

[0051] The data processing method proposed in the present disclosure forms hierarchical information according to the allocation information when allocating the first data. When data rollback occurs later, the rollback value of the second data and the determination of the upstream account will have a basis to rely on, ensuring the accuracy and clarity of data flow. In addition, the first account and the second account are both determined based on the merchant number and the contract number, so there will be no situation where different target bills use the same account, which reduces the reduction or loss of data values ​​in the account.

[0052] Figure 3 It is a schematic diagram of hierarchical information according to an embodiment of the present disclosure. Figure 3 A visualization of the hierarchical information is shown.

[0053] Suppose a commission of 1,000 yuan is generated during the transaction, and the customer transfers it in one go. Then the value of the first data in the first account O1 of the trading party is 1,000. According to the agreement, after obtaining the commission, the trading party shall allocate 200 yuan to the partner. Let the second account A1 be the partner's account. For the first allocation process of the first data: the allocation value transferred from the first account O1 to the second account A1 is 200, and at this time, the second data in the second account A1 is 200. After completing the first allocation of the first data, the remaining current data value in the first account is 800.

[0054] Further, when making the second allocation of the first data, it includes allocating the remaining 800 in the first account O1 and also allocating the 200 transferred into the second account A1. According to the agreement, the allocation value transferred from the first account O1 to the second account B1 is 200, and the remaining current data value in the first account O1 is 600. Similarly, according to the agreement, the allocation value transferred from the second account A1 to the second account B2 is 100, and the remaining current data value in the second account A1 is 100.

[0055] Further, according to the agreement, when making the third allocation of the first data, the allocation value transferred from the first account O1 to the second account C1 is 200, and the remaining current data value in the first account O1 is 300.

[0056] If the hierarchical information is presented in a visual form, then when each account serves as an upstream account, it will point to its downstream account through a directional arrow. This directed arrow indicates the direction of the profit distribution and is marked with the specific allocation value. Each account should have an account number composed of a contract number and a merchant number, which is not shown in the figure. Each account should have an allocation level, such as O, A, B, C, etc. in descending order of level, which are not listed one by one here, where the level of O is the highest. According to the actual allocation information, each allocation level can have multiple accounts, such as the second account B1 and the second account B2 belonging to the B level.

[0057] After clarifying the hierarchical information, the following is a more detailed description of the entire transaction process.

[0058] After the customer places an order, details such as the merchant number of the trading party, the contract number of the target bill, and the amount can be obtained. Then, at least based on the merchant number contract number of the trading party, a first account is established for the trading party. This first account is only used for the trading party to store and process the first data related to the target bill, avoiding the situation of mixing data with other bills, and improving the visibility and clarity of the data value flow in the account.

[0059] The same target bill usually has one trading party, corresponding to a first account. Of course, in different scenarios, there can also be multiple trading parties, and then there will be multiple corresponding first accounts, which are not restricted here. The trading party is a merchant that directly provides services to customers, such as a real estate trading store that signs a house purchase contract with the customer, etc. Each trading party has a unique merchant number. The first data is the transaction data transferred by the customer to the first account, and the first data is all or part of the first account. When the customer and the trading party reach a transaction agreement, a transaction contract will be generated, and the transaction contract will generate a target bill between the customer and the trading party. The customer can pay off the amount of the target bill in one lump sum or in installments, and each payment will generate a payment order. Each time a payment is made, the funds transferred by the customer to the first account are the first data. Among them, the contract number of the target bill is the same as that of the transaction contract.

[0060] Furthermore, according to the profit sharing agreement, determine the distribution levels and distribution values of each participating party. And at least before obtaining the second data, establish a second account for each participating party. The second account is jointly defined by the contract number and the merchant number of the participating party. The second account only supports the participating party corresponding to the merchant number to store and process the second data obtained from the target bill, avoiding the situation of mixing data with other bills, and improving the visibility and clarity of the data value flow in the account.

[0061] The second account corresponds to a unique participating party business name and the contract number of the target bill. Therefore, the participating party business name and the contract number can locate a unique second account. By setting up a second account for each transaction contract participated by the participating party, the situation of mixing the funds of the participating party is avoided. The participating party is a merchant that has a transaction association with the trading party. The participating party can be a cooperative party, a brand party, a platform party, etc. The participating parties involved in each transaction contract can be different, and the number of participating parties is also set according to requirements, which are not restricted here. The second data is the transaction data deposited into the second account through the distribution of the first data, and is the distribution result of the first data. The second data is part or all of the first data. If the customer executes the target bill in an installment payment method, then each time the first account obtains the first data, the second data will be distributed to each second account according to the pre-agreed distribution ratio. For the same first data, the values of the second data obtained by each second account can be different; for different first data, the values of the second data obtained by the same second account can be different.

[0062] Even further, during the process of data distribution level by level, synchronously record the level parameters of each account until the second account at the lowest level obtains the second data, forming level information including multiple level parameters. The level information can be Figure 3 displayed in a visual form, or in text form. The form of the level information is not restricted here.

[0063] It should be noted that before each profit distribution, it is necessary to verify the fund security of the first account, including: determining whether the current data value of the first account is equal to the difference between the value of the first data and the sum of the second data of the allocated second account. When "the current data value of the first account = the value of the first data - the sum of the second data of the allocated second account", the first verification passes. Furthermore, determine whether the current profit distribution value of the first account is less than or equal to the current data value of the first account; if "the current profit distribution value of the first account ≤ the current data value of the first account", the second verification passes. Furthermore, determine whether the cumulative profit distribution value of the first account is less than or equal to the bill value of the target bill; if "the cumulative profit distribution value of the first account ≤ the bill value of the target bill", the third verification passes.

[0064] After the profit distribution, if there is a situation where the profit distribution ratio is reset or the customer refunds, a data rollback instruction will be triggered.

[0065] Figure 4 It is a schematic diagram of the rollback process of the second data according to the embodiments of the present disclosure. Figure 4 Through steps 401 to 407, the rollback process of the data after obtaining the data rollback instruction is shown.

[0066] In step 401, according to the hierarchical information, obtain the current data value of the second account, the allocation value of the second account, the upstream account, and the allocation level.

[0067] Among them, the current data value of the second account can be obtained by asking the corresponding participants. Of course, it can also be obtained by other means, which is not limited here.

[0068] Then execute step 402 to determine the hierarchical sequence according to the allocation levels of each second account.

[0069] Each second account has an allocation level. Before the data rollback, the rollback order of the data in each second account should be determined according to the allocation level. The hierarchical sequence is the result of arranging the second accounts in reverse order according to the allocation level. That is to say, the account that was last allocated the second data should be the first to perform the data rollback, making the data rollback process of each account more efficient and avoiding the situation where after the second account rolls back its second data to the upstream data, its downstream data then rolls back the second data to it, and then the second account needs to re-execute the rollback for the newly obtained second data. According to Figure 3 the hierarchical information, the hierarchical sequence should be "Second Account C1 → Second Accounts B1 and B2 → Second Account A1".

[0070] In step 403, it is determined whether the current data value is greater than or equal to the assigned value. If the current data value is less than the assigned value, step 405 is executed, and the current data value of the second account is used as the fallback value to achieve the effect of falling back as much as possible and reducing the data gap of the first account.

[0071] When the current data value of the second account is greater than or equal to the assigned value, step 404 is executed, and the assigned value is used as the fallback value to achieve the effect of full fallback.

[0072] Further, step 406 is executed to generate fallback information including the fallback value, the upstream account, and the allocation level. After obtaining the fallback information, the control accounts perform data fallback level by level according to the level sequence. That is, in step 407, the second data is fallback to the upstream account according to the fallback value.

[0073] Of course, before executing step 407, it should also be determined whether the funds meet the fallback conditions, that is, perform a security check on each second account. It can include determining whether the fallback value is less than the assigned value, etc., which is not limited here.

[0074] Further, after traversing all the accounts in the level sequence, that is, when the latest upstream account is the first account, the fallback process stops. At this time, the current data value of the first account should be the value of the first data.

[0075] In some embodiments, if the current data value of the first account is not equal to the value of the first data, then the second account and the difference that generate the gap should be located. Specifically, in the case where the current data value of the first account is less than the value of the first data, according to the fallback information, determine the second account whose fallback value is less than the assigned value; determine the difference between the assigned value and the fallback value, and extract the third data in the third account associated with the second account according to the difference, where the third account and the second account correspond to the same participant; and return the third data to the first account, where the total value of all the third data and the total fallback value returned to the first account is equal to the total value of all the second data.

[0076] It should be noted that the third account can be the margin account of the participant with the difference, or the account of the remaining participants who can freeze funds, which is not limited here. The value of the third data is the difference.

[0077] In addition, for the participant who extracts the third data from the third account, its second account will be frozen and monitored in real time. If the second data is transferred into the second account, then the second data will be timely deposited into the third account until the value of the second data deposited into the third account reaches the difference, and the second account will be unfrozen.

[0078] After the first data is recovered from the first account, if the allocation ratio of each second account is reset, the first data can be redistributed to each second account according to the new allocation ratio.

[0079] If a refund request is received from the customer, the refund operation is performed after the first account recovers the value of the first data or the request value of the refund request.

[0080] Through the above method, when the first data is allocated, hierarchical information is formed according to the allocation information. When data rollback occurs later, the rollback value of the second data and the determination of the upstream account will have a basis to rely on, ensuring the accuracy and clarity of data flow. In addition, the first account and the second account are both determined based on the merchant number and contract number, and the situation where different target bills mix the same account will not occur, which also reduces the situation where the data value in the account is reduced or missing.

[0081] Figure 5 Schematic diagram of the refund process according to the embodiment of the present disclosure. Figure 5 Explain the refund process.

[0082] In step 501, a refund request including a request value is obtained. The refund request is initiated by the customer and is a request for refunding the paid first data. The refund value is usually the value of the first data, and of course it can also be less than the value of the first data.

[0083] In step 502, it is determined whether the current data value of the first account is less than the requested value.

[0084] If the current data value of the first account is greater than or equal to the requested value, step 507 is directly executed to return the data in the first account to the requesting party account according to the requested value.

[0085] If the current data value of the first account is less than the requested value, the process proceeds to step 503 to determine a second account whose fallback value is less than the allocated value. The number of second accounts whose fallback value is less than the allocated value is not limited.

[0086] Further, step 504 is executed, and in the third account associated with the second account whose fallback value is less than the allocated value, the third data is extracted to the first account according to the difference between the fallback value and the allocated value. It should be noted that the third account can be the margin account of the participant with the difference, or it can be the account of other participants that can freeze funds, which is not limited here. The value of the third data is the difference.

[0087] In addition, for the participants who extract the third data from the third account, their second account will be frozen and monitored in real time. If the second data is transferred into the second account, the second data will be promptly deposited into the third account until the value of the second data deposited in the third account reaches the difference, and the second account will be unfrozen.

[0088] Due to the refund process and Figure 4 The rollback process in is a parallel process, so the second accounts whose rollback values ​​are less than the allocated values ​​may not be rolled back to the first account in time. In this case, these accounts have the second data that meets the allocated value, so before calling the data of the third account, it should be verified whether the second data exists in the second account.

[0089] Through the above operations, if the full amount is not recovered by First Data, the customer can be refunded in time, ensuring the customer's refund experience. It also overcomes the problem of large amounts of advance payment by the transaction party.

[0090] Further, in step 505, it is determined whether the first sum value is equal to the second sum value.

[0091] Specifically, the first sum is the sum of the current data value of the first account and the total value of all second data; the second sum is the sum of all first data and the total rollback value rolled back to the first account and the total value of all third data.

[0092] The total value of the second data is actually the sum of all the second data that the first data is assigned to each second account. The sum of all the first data represents the sum of all the first data transferred into the first account. Because customers may make payments in batches, the amount of each payment is defined as the first data, and the total value that the customer has paid is the sum of all the first data. The sum of all the first data should be less than or equal to the amount of the target bill.

[0093] Further, step 506 is executed to determine whether the request value is less than or equal to the value of the first data.

[0094] When the first sum is equal to the second sum, determine whether the request value is less than or equal to the value of the first data; and when the request value is less than or equal to the value of the first data, pass the data security check of the first account.

[0095] When the data security check on the first account passes, step 507 is executed to return the data in the first account to the requesting party account according to the requested value.

[0096] The data processing method proposed in the present disclosure forms hierarchical information according to the allocation information when allocating the first data. When data rollback occurs later, the rollback value of the second data and the determination of the upstream account will have a basis to rely on, ensuring the accuracy and clarity of data flow. In addition, the first account and the second account are both determined based on the merchant number and the contract number, so there will be no situation where different target bills use the same account, which reduces the reduction or loss of data values ​​in the account.

[0097] Figure 6 is a schematic block diagram of the structure of a data processing device according to an embodiment of the present disclosure. Figure 6 As shown, the present disclosure proposes a data processing device 600, comprising: The hierarchical information generating module 610 is used to generate hierarchical information according to the allocation information of the first data in the first account to each second account, wherein the first account is used to store the transaction data of the target bill, the value of the first data is less than or equal to the value of the transaction data, the second account is used to store the second data allocated from the first data, and the hierarchical information is used to characterize the hierarchical relationship between the accounts when allocating the first data; A rollback information determination module 620, configured to determine the rollback information of each second account according to the hierarchical information in response to the data rollback instruction for the target bill; The rollback module 630 is used to roll back the second data to the first account according to the rollback information.

[0098] The data processing device 600 of the present disclosure may be in the form of computer software, and each module of the data processing device 600 may be in the form of a computer software module.

[0099] The various modules of the data processing device 600 disclosed in the present invention are configured to implement various steps of the data processing method. The execution principles and steps thereof may be referred to in the foregoing text and will not be described in detail here.

[0100] The data processing device proposed in the present disclosure forms hierarchical information according to the allocation information when allocating the first data. When data rollback occurs later, the rollback value of the second data and the determination of the upstream account will have a basis to rely on, thereby ensuring the accuracy and clarity of data flow. In addition, the first account and the second account are both determined based on the merchant number and the contract number, so that the same account will not be mixed with different target bills, thereby reducing the reduction or loss of data values ​​in the account.

[0101] Figure 7 FIG. 1 is a schematic block diagram of the structure of an electronic device according to an embodiment of the present disclosure. Figure 7 As shown, the present disclosure further provides an electronic device 1000, including: a memory 1200 and a memory 1300, the memory 1300 stores execution instructions; the processor 1200 executes the execution instructions stored in the memory 1300, so that the processor 1200 executes the data processing method.

[0102] The hardware structure of the electronic device 1000 can be implemented using a bus architecture. The bus architecture can include any number of interconnecting buses and bridges, depending on the specific application of the hardware and the overall design constraints. The bus 1100 connects various circuits including one or more processors 1200, a memory 1300, and / or hardware modules together. The bus 1100 can also connect various other circuits 1400 such as peripheral devices, voltage regulators, power management circuits, external antennas, etc.

[0103] The bus 1100 can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Component (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For the sake of representation, only one connecting line is shown in this figure, but it does not mean that there is only one bus or one type of bus.

[0104] The present disclosure also provides a readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, it is used to implement the above-mentioned method. The "readable storage medium" can be any device that can contain, store, communicate, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. More specific examples of the readable storage medium include the following: an electrical connection part (electronic device) having one or more wirings, a portable computer disk cartridge (magnetic device), a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable read-only memory (CDROM), etc.

[0105] The present disclosure also provides a computer program product. The method of the present disclosure can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instructions are loaded and executed, the processes or functions of the present disclosure are executed in whole or in part.

[0106] Computer programs or instructions can be stored in a readable storage medium or transmitted from one readable storage medium to another. For example, the computer programs or instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center in a wired or wireless manner. The readable storage medium can be any available medium that can be accessed or a data storage device such as a server or data center integrating one or more available media. The available medium can be a magnetic medium, such as a floppy disk, hard disk, or magnetic tape; it can also be an optical medium, such as a digital video disc; or it can be a semiconductor medium, such as a solid-state drive. The computer-readable storage medium can be a volatile or non-volatile storage medium, or can include both volatile and non-volatile types of storage media.

[0107] Those skilled in the art should understand that the embodiments of the present disclosure can be provided as a method, an electronic device, a readable storage medium, or a computer program product. Therefore, the present disclosure can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present disclosure can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) containing computer-usable program code.

[0108] The present disclosure is described with reference to the flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the present disclosure. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate a device for implementing the functions specified in Figure 1 one or more of the flows Figure 1 or multiple flows and / or blocks

[0109] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including an instruction device that implements the functions specified in Figure 1 one or more of the flows Figure 1 or multiple flows and / or blocks

[0110] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus, so that a series of operational steps are executed on the computer or other programmable apparatus to produce a computer-implemented process, and thus the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions specified in one process Figure 1 one process or a plurality of processes and / or blocks Figure 1 steps for implementing the functions specified in one block or a plurality of blocks.

[0111] In the description of this specification, the descriptions with reference to the terms "one embodiment / way", "some embodiments / ways", "example", "specific example", or "some examples", etc. mean that the specific features, structures, or characteristics described in connection with the embodiment / way or example are included in at least one embodiment / way or example of the present disclosure. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment / way or example. Moreover, the specific features, structures, or characteristics described can be combined in any one or more embodiments / ways or examples in a suitable manner. In addition, without contradiction, those skilled in the art can combine and combine the different embodiments / ways or examples described in this specification and the features of different embodiments / ways or examples.

[0112] In addition, the terms "first" and "second" are used for descriptive purposes only and cannot be construed as indicating or implying relative importance or implicitly specifying the quantity of the indicated technical features. Thus, the features defined with "first" and "second" may explicitly or implicitly include at least one of the features. In the description of the present disclosure, "a plurality of" means at least two, such as two, three, etc., unless otherwise specifically and clearly defined.

[0113] Those skilled in the art should understand that the above embodiments are only for clearly explaining the present disclosure and are not intended to limit the scope of the present disclosure. For those skilled in the art, other changes or modifications can be made on the basis of the above disclosure, and these changes or modifications are still within the scope of the present disclosure.

Claims

1. A data processing method, characterized in that: include: Generate hierarchical information according to allocation information of first data in the first account to each second account, wherein the first account is used to store transaction data of the target bill, the value of the first data is less than or equal to the value of the transaction data, the second account is used to store second data allocated from the first data, and the hierarchical information is used to characterize the hierarchical relationship between the accounts when allocating the first data; In response to a data rollback instruction for the target bill, determining rollback information for each of the second accounts according to the hierarchical information; and According to the rollback information, the second data is rolled back to the first account.

2. The data processing method according to claim 1, characterized in that: Generates hierarchical information, including: When the second account obtains the second data in the first data, determining an upstream account of the second account, where the upstream account is an account that allocates the second data to the second account; using the data value of the second data as an allocated value allocated by the upstream account to the second account; When allocating the second data to each of the second accounts, determining an allocation level of the second account according to an allocation priority of the second data obtained by the second account, wherein the allocation priority is positively correlated with the allocation level; The upstream account, the allocation value and the allocation level are used as the level parameters of the second account, and the level information including the level parameters of each of the second accounts is generated.

3. The data processing method according to claim 1, characterized in that: Determining the rollback information of each of the second accounts includes: After obtaining the data rollback instruction, determining the upstream account of the second account, the data value of the second account, the allocation value, and the allocation level of the second account based on the level information; determining whether the current data value of the second account is greater than or equal to the allocated value; In the case where the current data value of the second account is greater than or equal to the allocated value, the allocated value is used as the fallback value, and the fallback value is the value of the second data of the second account rolled back to the upstream account; or, in the case where the current data value of the second account is less than the allocated value, the current data value of the second account is used as the fallback value; and Fallback information including the upstream account, the fallback value, and the allocation level is generated.

4. The data processing method according to claim 1, characterized in that: Rolling back the second data to the first account includes: According to the allocation levels in each of the fallback information, a level sequence is formed, wherein the level sequence is arranged in reverse order of the allocation levels; and Rolling back the second data in the second account to the first account one by one according to the hierarchical sequence includes: According to the rollback value of the rollback information, the second data in the second account is rolled back to the upstream account in the rollback information until the upstream account is the first account.

5. The data processing method according to claim 1, characterized in that: Also includes: In response to a refund request, determining whether a current data value of the first account is greater than or equal to a requested value in the refund request.

6. The data processing method according to claim 5, characterized in that: After determining whether the current data value of the first account is greater than or equal to the requested value in the refund request, the method further comprises: In the case where the current data value of the first account is less than the requested value in the refund request, determining, according to the rollback information, a second account whose rollback value is less than the allocated value; determining a difference between the allocated value and the fallback value, and extracting third data according to the difference in a third account associated with the second account, the third account corresponding to the same party as the second account; and The third data is returned to the first account, wherein the total value of all the third data and the total return value returned to the first account is equal to the total value of all the second data.

7. The data processing method according to claim 6, characterized in that: After returning the third data to the first account, the method further comprises: A data security check is performed on the first account according to the current data value of the first account and the requested value.

8. The data processing method according to claim 7, characterized in that: The performing data security verification on the first account includes: Determine whether a first sum of the current data value of the first account and the total value of all the second data is equal to a sum of all the first data and a second sum of the total rollback value rolled back to the first account and the total value of all the third data; In a case where the first sum value is equal to the second sum value, determining whether the request value is less than or equal to a value of the first data; and When the request value is less than or equal to the value of the first data, the data security check of the first account passes.

9. An electronic device, characterized in that: include: A memory storing execution instructions; as well as A processor, wherein the processor executes the execution instruction stored in the memory, so that the processor executes the data processing method according to any one of claims 1 to 8.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the data processing method according to any one of claims 1 to 8 is implemented.

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