Information processing method, computing system, device, storage medium and program product

Abstract

The invention provides an information processing method, a computing system, equipment, a storage medium and a program product, relates to the technical field of cloud computing, and can be applied to the field of financial science and technology. The information processing method comprises the steps that first information and identification information sent by a second computing system are received, the first information is used for representing the number of target objects contained in a target event, and the identification information is used for marking the target objects; configuring at least one virtual account based on the first information and generating second information, wherein the second information comprises account information corresponding to the at least one virtual account; in response to the fund return request, associating the identification information of each target object with account information of one virtual account in the at least one virtual account to generate associated information; and entering the fund of the target object into a virtual account corresponding to the account information indicated by the associated information from the specified account.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of cloud computing, in particular to the field of financial technology, and more particularly to an information processing method, device, equipment, medium and product. BACKGROUND

[0002] Currently, the user needs to provide complete user information, account information, etc. when returning money. When the user-provided user account information is inaccurate, the user needs to be repeatedly asked for accurate user information, account information, etc., and the output transmission is frequent, resulting in large data transmission volume, consumption of network resources, and the bank system needs to constantly respond to incorrect information, resulting in high load of the bank system and waste of computing resources. If the user reopens an account, the user needs to provide comprehensive information to the bank system, and inaccurate information will also cause the account opening to fail, thereby affecting the user experience. SUMMARY

[0003] In view of the above problems, the present application provides an information processing method, a computing system, an equipment, a storage medium and a program product for improving the efficiency of returning money under the premise of reducing network resources and computing resources.

[0004] The first aspect of the present application provides an information processing method applied to a first computing system, the information processing method comprising: receiving first information and identification information sent by a second computing system, the first information being used to represent the number of target objects contained in a target event, and the identification information being used to mark the target objects; configuring at least one virtual account based on the first information and generating second information, the second information comprising account information corresponding to the at least one virtual account; in response to a money return request, associating the identification information of each target object with the account information of a virtual account in the at least one virtual account to generate association information; and crediting the money of the target objects from a specified account to the virtual account corresponding to the account information indicated by the association information.

[0005] According to the embodiments of the present application, the at least one virtual account is configured based on the first information, comprising: generating a virtual account number equal to the number of target objects.

[0006] According to the embodiments of the present application, the second information is generated, comprising: generating the account information of each virtual account based on the location information of the region where the second computing system is located, the branch information corresponding to the second computing system and a random number sequence, wherein the random numbers corresponding to different virtual accounts are different.

[0007] According to the embodiments of the present application, the information processing method further comprises: in response to an information deletion instruction, deleting the stored identification information and account information, wherein the information deletion instruction is an instruction generated after the target object processes the money in the corresponding virtual account.

[0008] The second aspect of the present application provides an information processing method applied to a second computing system, the information processing method comprising: sending first information and identification information to a first computing system, so that the first computing system configures at least one virtual account based on the first information and generates second information, the first information being used to represent a quantity of target objects contained in a target event, the identification information being used to mark the target objects, and the second information comprising account information corresponding to the at least one virtual account; and sending a request for returning money to the first computing system, so that the first computing system, in response to the request for returning money, respectively associates the identification information of each target object with account information of a virtual account in the at least one virtual account, generates association information, and credits money of the target objects from a specified account to a virtual account corresponding to the account information indicated by the association information.

[0009] According to an embodiment of the present application, the information processing method further comprises: encrypting the identification information to obtain an electronic file containing the identification information; and sending the electronic file to the first computing system.

[0010] The third aspect of the present application provides a first computing system, the first computing system comprising: a receiving module configured to receive first information and identification information sent by a second computing system, the first information being used to represent a quantity of target objects contained in a target event, and the identification information being used to mark the target objects; a generating module configured to configure at least one virtual account based on the first information and generate second information, the second information comprising account information corresponding to the at least one virtual account; an associating module configured to, in response to a request for returning money, respectively associate the identification information of each target object with account information of a virtual account in the at least one virtual account, and generate association information; and a crediting module configured to credit money of the target objects from a specified account to a virtual account corresponding to the account information indicated by the association information.

[0011] The fourth aspect of the present application provides a second computing system, the second computing system comprising: a first sending module configured to send first information and identification information to a first computing system, so that the first computing system configures at least one virtual account based on the first information and generates second information, the first information being used to represent a quantity of target objects contained in a target event, and the identification information being used to mark the target objects, and the second information comprising account information corresponding to the at least one virtual account; and a second sending module configured to send a request for returning money to the first computing system, so that the first computing system, in response to the request for returning money, respectively associates the identification information of each target object with account information of a virtual account in the at least one virtual account, generates association information, and credits money of the target objects from a specified account to a virtual account corresponding to the account information indicated by the association information.

[0012] The fifth aspect of the present application provides an electronic device, comprising: one or more processors; a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method.

[0013] The sixth aspect of the present application further provides a computer readable storage medium having stored thereon a computer program or instructions, wherein the computer program or instructions, when executed by a processor, implement the steps of the method.

[0014] The seventh aspect of the present application further provides a computer program product comprising a computer program or instructions, wherein the computer program or instructions, when executed by a processor, implement the steps of the method. BRIEF DESCRIPTION OF DRAWINGS

[0015] The above and other objects, features and advantages of the present application will become more apparent from the following description when taken in conjunction with the accompanying drawings, in which:

[0016] Figure 1 is an exemplary system architecture diagram to which the information processing method according to an embodiment of the present application can be applied;

[0017] Figure 2 schematically shows a flowchart of the information processing method according to an embodiment of the present application;

[0018] Figure 3 schematically shows a flowchart of the information processing method according to another embodiment of the present application;

[0019] Figure 4 schematically shows a structural block diagram of a first computing system according to an embodiment of the present application;

[0020] Figure 5 schematically shows a structural block diagram of a second computing system according to an embodiment of the present application; and

[0021] Figure 6 schematically shows a block diagram of an electronic device suitable for implementing the information processing method according to an embodiment of the present application. DETAILED DESCRIPTION

[0022] Hereinafter, embodiments of the present application will be described with reference to the accompanying drawings. It is to be understood, however, that the description is merely exemplary and is not intended to limit the scope of the present application. In the following detailed description of the embodiments of the present application, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present application. However, it would be apparent to those skilled in the art that the embodiments of the present application can be practiced without these specific details. In other instances, well-known structures and

[0023] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used herein, the terms "comprises", "comprising", "includes", "including" and the like are, where used, meant to be inclusive, but not limiting in any way.

[0024] All terms used herein, including technical and scientific terms, have the meanings commonly understood by one of ordinary skill in the art unless otherwise defined herein. It should be noted that the use of terms herein, such as should be construed to have meanings consistent with the context of the specification, and should not be interpreted in an idealized or overly formal way.

[0025] In the case of using expressions similar to "at least one of A, B, and C, etc.", it should be generally interpreted as the meaning of the expression as commonly understood by one of ordinary skill in the art (for example, "a system having at least one of A, B, and C" should include but not be limited to a system having A alone, a system having B alone, a system having C alone, a system having both A and B, a system having both A and C, a system having both B and C, and / or a system having A, B, and C, etc.).

[0026] In the technical solutions of the present application, the user information (including but not limited to user personal information, user image information, user equipment information, such as location information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved are information and data authorized by the user or authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of related data comply with relevant laws, regulations and standards, necessary security measures are taken, do not violate public order and good customs, and provide corresponding operation portal for user to choose authorization or refusal.

[0027] In the scenario of using personal information for automated decision-making, the method, device and system provided by the embodiments of the present application all provide corresponding operation portal for the user to choose to agree or refuse the automated decision-making result; if the user chooses to refuse, the expert decision-making process is entered. The expression "automated decision-making" here refers to the activity of automatically analyzing, evaluating the behavior habits, interests and hobbies, or economic, health, credit status, etc. of an individual through a computer program and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by personnel who are engaged in a certain field of work, have specialized experience, knowledge and skills, and reach a certain professional level.

[0028] Embodiments of the present application provide an information processing method applied to a first computing system, the information processing method comprising: receiving first information and identification information sent by a second computing system, the first information being used to represent a number of target objects contained in a target event, and the identification information being used to mark the target objects; configuring at least one virtual account based on the first information and generating second information, the second information comprising account information corresponding to the at least one virtual account; in response to a request for returning money, associating the identification information of each target object with account information of a virtual account in the at least one virtual account respectively, and generating association information; and crediting money of the target objects from a specified account to the virtual account corresponding to the account information indicated by the association information.

[0029] Figure 1 is an exemplary system architecture schematic diagram to which the information processing method and the computing system according to an embodiment of the present application can be applied. It should be noted that, Figure 1 the system architecture shown is only an example of the system architecture to which embodiments of the present application can be applied, to help those skilled in the art understand the technical content of the present application, but does not mean that embodiments of the present application cannot be used in other devices, systems, environments or scenarios.

[0030] As Figure 1 shown, the system architecture 100 according to the embodiment can include client devices 101, 102, 103, a network 104, a server 105 and a server 106. The network 104 is used to provide a medium for communication links between the client devices 101, 102, 103, the server 105 and the server 106. The network 104 can include various connection types, such as wired and / or wireless communication links, etc.

[0031] The client devices 101, 102, 103 can be various electronic devices with display screens and supporting information entry, money return result query, display, etc., including but not limited to smartphones, tablet computers, laptop computers and desktop computers, etc. A user can input user information on the display screen of the client device 101, 102, 103, interact with the server 105, the server 106 through the network 104, to receive or transmit data or information, etc.

[0032] The server 105 can be a server providing various services, such as a background server for interacting with the server 106 through the network 104 to return money, and for example, a background management server supporting operations performed by a user using the client device 101, 102, 103 (only as an example). The background management server can return money to a virtual account set for the user, and in response to a money collection request input by the user on the client device 101, 102, 103, transfer money returned to the virtual account corresponding to the user to a target user designated by the user.

[0033] The server 106 can be a server that provides various services, such as a background server that interacts with the server 105 to return the money, and a background management server that supports the user's operation performed on the client device 101, 102, 103, for example. The background management server can receive the user information input by the user on the client device 101, 102, 103, and encrypt the user information and send the encrypted user information to the server 105 through the network 104, so that the server 105 returns the money to the virtual account set for the user based on the information.

[0034] It should be noted that the information processing method provided by the embodiments of the present application can be generally executed by the server 105 and the server 106. Correspondingly, the first computing system provided by the embodiments of the present application can be generally set in the server 105, and the second computing system can be generally set in the server 106. The information processing method provided by the embodiments of the present application can also be executed by the client device 101, 102, 103. Correspondingly, the information processing method provided by the embodiments of the present application can also be set in the client device 101, 102, 103. The information processing method provided by the embodiments of the present application can also be executed by a server or a server cluster different from the server 105 and capable of communicating with the client device 101, 102, 103 and / or the server 105, the server 106. Correspondingly, the information processing apparatus provided by the embodiments of the present application can also be set in a server or a server cluster different from the server 105, the server 106 and capable of communicating with the client device 101, 102, 103 and / or the server 105, the server 106.

[0035] It can be understood that the number and type of the client devices, the network and the server in the above are only illustrative. According to the implementation needs, there can be any number of client devices, networks and servers. Figure 1 It can be understood that the number and type of the client devices, the network and the server in the above are only illustrative. According to the implementation needs, there can be any number of client devices, networks and servers.

[0036] It can be understood that the system architecture of the present application is described above, and the method of the present application will be described below. It can also be understood that the serial numbers of the operations in the following method are only used to represent the operations for description, and should not be regarded as representing the execution sequence of the operations. Unless explicitly stated, the method does not need to be executed in the order shown.

[0037] The information processing method provided by the embodiments of the present application can be applied to the field of financial technology. For example, after the event trial ends, if the party does not go to the site to collect the money, or the party does not actively provide the personal bank account number to the event handling institution for the event handling institution to return the money, the event handling institution cannot timely issue the money after the case is closed, which affects the case closing rate assessment. The event handling institution is increasingly strengthening the cleaning and issuing of execution money. In order to protect the legitimate rights and interests of the parties, it is necessary to strengthen and standardize the management of the event handling institution money, and to clarify the money deposit process.

[0038] At present, the event handling institution has adopted the "one case one account" mode. Based on the current one case one account mode, a unique sub-account is specified under the existing money account of the event handling institution as a special account for money deposit, to ensure that the money subject is clear and orderly, and each money is recorded to the event handling institution, the case number, and the party. At the same time, it is also conducive to better improving the event closing rate of the local event handling institution. The main account of the event handling institution is used to collect all the money, litigation fees and other funds of all events. A plurality of virtual sub-accounts ("one case one account") are hung under the main account, each sub-account corresponds to an independent event, and the funds are clear and traceable.

[0039] The event handling institution "one case one account" money system is connected with the bank system, and the operation personnel of the execution bureau of the event handling institution selects the bank designated account as the event party's account for extracting and returning money and notifies the event party. The event party goes to the bank nationwide outlets to collect the returned money according to the designated account number notified by the local event handling institution, realizing the "execution bureau-finance-bank-party" online direct drive mode. At the same time of maximizing the convenience of the operation personnel and the party, it further reduces the judicial cost and the risk of a clean government, and improves the work efficiency and the precision.

[0040] There are some defects in the related art money return, for example, the event party's bank account information is not complete: the event party needs to provide bank account information in advance, but at the time of event registration, more events only record the personal information of the party, and do not register the bank account information of the event party. Or, there are too many event parties, and the bank account information of the parties cannot be collected in time, resulting in that the event money cannot be returned in time at the end of the event trial. Or, the party is negligent or misinterpreted, and may provide incorrect or incomplete information, such as incorrect name, account number and name, etc., resulting in failure or delay of money issuance, increasing subsequent communication and processing cost. When the party provides inaccurate account information, the party needs to repeatedly obtain the account information from the party, resulting in large data transmission and consumption of network resources, and the bank system needs to constantly respond to incorrect information, resulting in high load of the bank system and waste of computing resources. When the party reopens the account, the information provided to the bank system needs to be comprehensive, otherwise the account opening fails, further affecting the user experience.

[0041] Based on this, the information processing method provided by the embodiment of the present application is used for event processing mechanism fund return, through the interaction of the bank system and the event processing mechanism system, without obtaining the complete account information of the party, reducing the data transmission amount and the response frequency of the error request, greatly saving the network transmission resource and the hardware calculation resource, reducing the system load, and without the party repeatedly providing the account information or re-opening the account, improving the user experience.

[0042] It should be noted that the information processing method of the embodiment of the present application can be used for the application of fund return in the financial field, and can also be used in any field other than the financial field, such as e-commerce, logistics, etc., and the application field of the information processing method and device of the present application is not limited.

[0043] The following will be based on Figure 1 The scenario described, through Figure 2 The information processing method according to the embodiment of the present application is described in detail.

[0044] Figure 2 The flowchart of the information processing method according to one embodiment of the present application is schematically shown.

[0045] As Figure 2 shown, the information processing method of this embodiment can include operation S210~operation S230, and the information processing method can be executed by the first computing system 105.

[0046] In operation S210, the first information and the identification information sent by the second computing system are received.

[0047] In operation S220, at least one virtual account is configured based on the first information, and the second information is generated.

[0048] In operation S230, in response to the fund return request, the identification information of each target object is associated with the account information of one virtual account in the at least one virtual account respectively, and the association information is generated.

[0049] In operation S240, the fund of the target object is credited from the specified account to the virtual account corresponding to the account information indicated by the association information.

[0050] According to the embodiment of the present application, the first information is used to represent the number of target objects contained in the target event, and the identification information is used to mark the target object. In the fund return scenario, the target object may, for example, refer to the party. The number of parties in the target event can be one or more. The marking information may, for example, be information indicating the identity of the party, and may have uniqueness, and these information are obtained under the premise of user authorization and legal compliance.

[0051] According to the embodiments of the present application, the first computing system can refer to a bank system, and the second computing system can refer to an event handling agency system. After the end of the target event trial, the executor can send the first information and the identification information to the first computing system by operating the second computing system

[0052] According to the embodiments of the present application, the second information includes account information corresponding to at least one virtual account. After receiving the first information, the first computing system can pre-configure a certain number of virtual accounts based on the first information. These virtual accounts only contain account information and do not contain account opening information, and these virtual accounts can be generated without going through the account opening process of the payee. The first computing system can store the account information of these virtual accounts in a designated memory, so as to quickly obtain these information for subsequent repayment of funds.

[0053] According to the embodiments of the present application, after receiving the fund repayment request of the second computing system, the first computing system needs to associate the pre-generated account based on the identification information. The bank system is a specified account with a certain batch and a certain number, and without the information of the parties concerned. Subsequently, according to the information of the parties concerned provided by the event handling agency system, the specified account is sequentially associated within the pre-established batch of specified accounts. The purpose of association is: on the one hand, the fund account can be one-to-one corresponding to the event information, which avoids the unsuccessful fund disbursement caused by the incorrect information provided by the parties concerned from the source, reduces the risk of fund disbursement error, and improves the accuracy and safety of fund disbursement; on the other hand, in the bank system, even if an account has been reserved for a specific scenario (such as fund repayment), it is only a technical placeholder, and the association needs to be completed according to the information of the parties concerned to bind the real information of the parties concerned, in order to meet the compliance requirements, risk control and other requirements in the field of financial technology.

[0054] According to the embodiments of the present application, the specified account can be pre-established in the bank system, one target event can correspond to one specified account, that is, “one case one account”, which ensures that even if there are multiple events, the accuracy of fund repayment can be ensured. The “one case one account” fund disbursement can be connected with the event handling agency system through the one-to-one matching method, which ensures the accurate disbursement of funds. The “one case one account” fund system of the event handling agency is connected with the bank management system and the deposit fund management system, the bank specified account is selected by the event handling agency executor as the event party to extract the returned fund account, the returned fund of the event account is transferred to the specified account, and the bank system submits the account entry application. The bank system processes the account entry application, completes the fund entry, and returns the account entry result notification. When an error occurs in the account entry process, the bank system starts the account entry checking mechanism to exclude the already entered data and re-enter the account; after the account entry is completed, the bank system checks the number of account entries and the total amount of account entries again to confirm that the account entry process has been completely processed.

[0055] It should be noted that the communication in the first computing system and the communication in the interaction with the second computing system can adopt the 5G communication technology.

[0056] Through the information processing method of the embodiment of the present application, a certain number of virtual accounts without personal information of the parties but with account information are pre-configured based on the number of target objects. When a payment return request is received, the target object is directly associated with the virtual account, and the payment is returned to the virtual account associated with the target object. The complete account information of the target object does not need to be obtained, the data transmission amount and the response frequency of the error request are reduced, the network transmission resources and the hardware computing resources are greatly saved, the bank system load is reduced, and the subsequent communication and processing cost is reduced. The efficiency of the payment return and the user experience are improved.

[0057] In the embodiment of the present application, the first information is configured at least one virtual account, including:

[0058] A number of virtual account numbers equal to the number of target objects are generated.

[0059] According to the embodiment of the present application, since the virtual account is pre-configured, subsequent association based on user information is directly performed, and the complex account opening process in the traditional account opening process is not required. In the payment return, the problem of account opening failure in the traditional way leading to the failure of the payment return is almost not existed. Therefore, the bank system only needs to configure a number of virtual account numbers equal to the number of target objects.

[0060] Through the information processing method of the embodiment of the present application, the number of virtual account numbers is equal to the number of target objects, so that each target object corresponds to a virtual account number, avoiding the waste or shortage of account numbers, and one-to-one matching and association reducing the operation time and error rate, and accelerating the processing speed of the entire process.

[0061] In the embodiment of the present application, the second information is generated, including:

[0062] Based on the location information of the region where the second computing system is located, the branch information corresponding to the second computing system, and the random number sequence, the account number information of each virtual account is generated, wherein the random numbers corresponding to different virtual accounts are different.

[0063] According to an embodiment of the present application, the location information of the area where the first computing system is located can be an area code, which is used to identify the geographical area to which the bank account belongs, and can be related to the service range of the bank branch. The network point information corresponding to the second computing system can be a network point number of the event handling agency, which can be a unique code of a specific business network point in the bank system, used to distinguish different branch agencies in the same area. In the case of refund of funds, a special network point can be set up for the event handling agency, and the network point number has a specific identification. The special network point number facilitates the tracking of fund flow by the bank and the event handling agency, and meets the compliance and regulatory requirements. Through the special network point number, the bank can quickly identify the purpose of the account (such as fund refund, deposit, etc.), realize business isolation and special management. The random number sequence can be a serial number, which is generated by the bank system in a specific area and network point according to a preset rule, and is used to distinguish different accounts under the same network point.

[0064] For example, under the area code "1100" and the network point number "9999", the serial number can be "000001", "000002",..., and so on. Assuming that the bank account number rule is: area code (4 digits) + network point number (4 digits) + serial number (6 digits), a special account number for an event handling agency can be as follows:

[0065] Area code: 1100 (a provincial capital city)

[0066] Network point number: 9999 (special network point for event handling agency)

[0067] Serial number: 000123 (123rd fund account under the network point)

[0068] Complete account number: 1100 9999 000123.

[0069] Through the information processing method of the embodiments of the present application, in the bank account number generation rule, the area code, network point number and serial number are designed in layers, which facilitates the bank to classify and manage by region, business type and account sequence. By combining the three-layer codes, the uniqueness of each account in the bank system is ensured, and conflicts are avoided. The area code, network point number (special network point for event handling agency) and serial number respectively bear different functions, and together ensure the uniqueness, traceability and management efficiency of the account number.

[0070] In the embodiments of the present application, the information processing method can further include:

[0071] In response to an information deletion instruction, the stored identification information and account number information are deleted, wherein the information deletion instruction is an instruction generated after the target object processes the funds in the corresponding virtual account.

[0072] According to the embodiment of the present application, after the first computing system credits the money in the specified account into the associated virtual account, the parties can prove the extraction event return money based on the identity information through online or offline mode, realizing the "executive bureau-finance-bank-parties" online direct drive mode.

[0073] Figure 3 A flowchart of an information processing method according to another embodiment of the present application is schematically shown.

[0074] As Figure 3 shown, the information processing method of this embodiment can include operation S310~operation S320, which can be executed by the second computing system 106.

[0075] In operation S310, the first information and the identification information are sent to the first computing system, so that the first computing system configures at least one virtual account based on the first information and generates the second information.

[0076] In operation S320, the money return request is sent to the first computing system, so that the first computing system associates the identification information of each target object with the account information of one of the at least one virtual account in response to the money return request, generates the association information, and credits the money of the target object from the specified account into the virtual account corresponding to the account information indicated by the association information.

[0077] According to the embodiment of the present application, the first information is used to represent the number of target objects contained in the target event, the identification information is used to mark the target objects, and the second information includes the account information corresponding to the at least one virtual account.

[0078] It should be understood that details not described in the information processing method can refer to the foregoing embodiment section, which will not be described here.

[0079] Through the information processing method of the embodiment of the present application, a number of virtual accounts with only account information and no personal information of the parties are pre-configured based on the number of target objects. When the money return request is received, the target objects are directly associated with the virtual accounts, and the money is returned to the virtual account associated with the target objects. No complete account information of the target objects is required, reducing the data transmission amount and the response frequency of the error request, greatly saving the network transmission resources and hardware computing resources, reducing the bank system load, and without the target objects repeatedly providing the account information or re-opening the account, there is no account number generation failure during the opening of the account, reducing the subsequent communication and processing cost, and improving the efficiency of the money return and the user experience.

[0080] In the embodiment of the present application, the information processing method further includes:

[0081] The identification information is encrypted to obtain an electronic file containing the identification information.

[0082] The electronic file is sent to the first computing system.

[0083] According to the embodiments of the present application, the encryption method can encrypt the identification information by using symmetric encryption or asymmetric encryption. The electronic file transmission method can be transmitted by using local area network sharing, cloud storage service, or file transmission software.

[0084] By using the information processing method of the embodiments of the present application, the identification information is encrypted and then transmitted in the form of an electronic file, which can improve the security of data.

[0085] Based on the above information processing method, the present application further provides a computing system. The following will be described in detail Figure 4 and Figure 5 The device will be described in detail.

[0086] Figure 4 The structural block diagram of the first computing system according to an embodiment of the present application is schematically shown.

[0087] As Figure 4 shown, the first computing system 400 of the embodiment includes a receiving module 410, a generating module 420, an associating module 430, and a crediting module 440.

[0088] The receiving module 410 is configured to receive first information and identification information sent by the second computing system, the first information being used to represent the number of target objects contained in a target event, and the identification information being used to mark the target objects. In an embodiment, the receiving module 410 can be configured to perform the operation S210 described above, and details are not repeated here.

[0089] The generating module 420 is configured to configure at least one virtual account based on the first information and generate second information, the second information including account information corresponding to the at least one virtual account. In an embodiment, the generating module 420 can be configured to perform the operation S220 described above, and details are not repeated here.

[0090] The associating module 430 is configured to, in response to a request for refunding the money, respectively associate the identification information of each target object with the account information of a virtual account in the at least one virtual account, and generate association information. In an embodiment, the associating module 430 can be configured to perform the operation S230 described above, and details are not repeated here.

[0091] The crediting module 440 is configured to credit the money of the target objects from a designated account to the virtual account corresponding to the account information indicated by the association information. In an embodiment, the crediting module 440 can be configured to perform the operation S240 described above, and details are not repeated here.

[0092] According to an embodiment of the present application, the generating module 420 configures the at least one virtual account based on the first information, including: generating a number of virtual account numbers equal to the number of target objects.

[0093] According to an embodiment of the present application, the generating module 420 generates the second information, including: generating the account number information of each virtual account based on the location information of the region where the second computing system is located, the network point information corresponding to the second computing system, and a random number sequence, wherein the random numbers corresponding to different virtual accounts are different.

[0094] According to an embodiment of the present application, the first computing system 400 further includes:

[0095] The response module is configured to delete the stored identification information and account number information in response to an information deletion instruction, wherein the information deletion instruction is generated after the target object processes the money in the corresponding virtual account.

[0096] It should be noted that the specific implementation details and the technical effects brought by the information processing device are the same as or similar to those of the information processing method, and will not be described here.

[0097] Figure 5 The structure block diagram of the second computing system according to an embodiment of the present application is schematically shown.

[0098] As shown in Figure 5 The second computing system 500 of this embodiment includes a first sending module 510 and a second sending module 520.

[0099] The first sending module 510 is configured to send the first information and the identification information to the first computing system, so that the first computing system configures at least one virtual account based on the first information and generates the second information, the first information is used to represent the number of target objects contained in the target event, the identification information is used to mark the target objects, and the second information includes the account number information corresponding to the at least one virtual account. In an embodiment, the first sending module 510 can be configured to perform the operation S310 described above, and will not be described here.

[0100] The second sending module 520 is configured to send the money return request to the first computing system, so that the first computing system associates the identification information of each target object with the account number information of one virtual account in the at least one virtual account in response to the money return request, generates association information, and accounts the money of the target object from the designated account to the virtual account corresponding to the account number information indicated by the association information. In an embodiment, the second sending module 520 can be configured to perform the operation S320 described above, and will not be described here.

[0101] According to an embodiment of the present application, the second computing system 500 can further include:

[0102] an encryption module, configured to encrypt the identification information to obtain an electronic file containing the identification information; and send the electronic file to the first computing system.

[0103] It should be noted that the specific implementation details of the second computing system and the technical effects brought by the same are the same as or similar to the specific implementation details of the information processing method and the technical effects brought by the same, and thus are not described herein.

[0104] According to an embodiment of the present application, any multiple modules of the processing module 410, the generating module 420, the associating module 430, and the crediting module 440 or any multiple modules of the first sending module 510 and the second sending module 520 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of the modules can be combined with at least part of the functions of other modules, and implemented in one module. According to an embodiment of the present application, any multiple modules of the processing module 410, the generating module 420, the associating module 430, and the crediting module 440 or any multiple modules of the first sending module 510 and the second sending module 520 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system in package, an application specific integrated circuit (ASIC), or any other reasonable manner of integrating or packaging a circuit, a hardware or firmware, or implemented in any one of software, hardware, and firmware or in a proper combination of any of the above. Alternatively, any multiple modules of the processing module 410, the generating module 420, the associating module 430, and the crediting module 440 or any multiple modules of the first sending module 510 and the second sending module 520 can be at least partially implemented as computer program modules that can perform corresponding functions when the computer program modules are run.

[0105] Figure 6 A block diagram of an electronic device suitable for implementing the information processing method according to an embodiment of the present application is schematically shown.

[0106] As Figure 6As shown, the electronic device 600 according to embodiments of the present application includes a processor 601 which can perform various appropriate actions and processes in accordance with a program stored in a read only memory (ROM) 602 or a program loaded from a storage section 608 into a random access memory (RAM) 603. The processor 601 can include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor, and / or a related chip set, and / or a special purpose microprocessor (e.g., an application specific integrated circuit (ASIC)), and so on. The processor 601 can also include an on-board memory for cache use. The processor 601 can include a single processing unit or multiple processing units for executing different actions of the method processes according to embodiments of the present application.

[0107] In the RAM 603, various programs and data required for the operation of the electronic device 600 are stored. The processor 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. The processor 601 performs various operations of the method processes according to embodiments of the present application by executing the programs in the ROM 602 and / or the RAM 603. Note that the programs can also be stored in one or more memories other than the ROM 602 and the RAM 603. The processor 601 can also perform various operations of the method processes according to embodiments of the present application by executing the programs stored in the one or more memories.

[0108] According to embodiments of the present application, the electronic device 600 can also include an input / output (I / O) interface 605 which is also connected to the bus 604. The electronic device 600 can also include one or more of the following components connected to the input / output (I / O) interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the input / output (I / O) interface 605 as necessary. A removable medium 611 such as a magnetic disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 610 as necessary, so that a computer program read out therefrom is installed in the storage section 608 as necessary.

[0109] The application further provides a computer readable storage medium, which can be included in the device / apparatus / system described in the above embodiments, or can exist independently without being assembled into the device / apparatus / system. The computer readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of the application.

[0110] According to the embodiments of the application, the computer readable storage medium can be a non-volatile computer readable storage medium, which can include, but is not limited to, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any appropriate combination thereof. In this application, a computer readable storage medium can be any tangible medium that contains or stores a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to the embodiments of the application, the computer readable storage medium can include one or more of the above-described ROM 602 and / or RAM 603 and / or one or more memories other than the ROM 602 and the RAM 603.

[0111] The embodiments of the application also include a computer program product, which includes a computer program containing program codes for executing the methods shown in the flowcharts. When the computer program product is run in a computer system, the program codes are used to make the computer system implement the methods provided by the embodiments of the application.

[0112] The above-described functions defined in the system / apparatus of the embodiments of the application are performed when the computer program is executed by the processor 601. According to the embodiments of the application, the above-described system, apparatus, module, unit, etc. can be implemented by computer program modules.

[0113] In one embodiment, the computer program can rely on a tangible storage medium such as an optical storage medium, a magnetic storage medium, etc. In another embodiment, the computer program can also be transmitted, distributed, and downloaded in the form of a signal on a network medium, and be downloaded and installed through the communication part 609, and / or installed from the detachable medium 611. The program codes contained in the computer program can be transmitted by any appropriate network medium, including but not limited to wireless, wired, etc., or any appropriate combination thereof.

[0114] In such embodiments, the computer program can be downloaded and installed from the network via the communication section 609, and / or installed from the removable media 611. When the computer program is executed by the processor 601, the above-described functions defined in the system of the embodiments of the present application are executed. According to the embodiments of the present application, the system, device, apparatus, module, unit, and the like described above can be realized by the computer program modules.

[0115] According to the embodiments of the present application, the program code for executing the computer program provided by the embodiments of the present application can be written in any combination of one or more programming languages, and specifically, these computer programs can be implemented using high-level procedural and / or object-oriented programming language, and / or assembly / machine language. The programming language includes, but is not limited to, such as Java, C++, python, "C" language, or similar programming language. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case involving a remote computing device, the remote computing device can be connected to the user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, connected to the Internet through an Internet service provider).

[0116] The flowcharts and block diagrams in the drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present application. In this regard, each block in the flowcharts or block diagrams can represent a module, a program segment, or a portion of code, which contains one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur in a different order than that shown in the figures. For example, two blocks noted in succession can actually be executed substantially concurrently, or they can sometimes be executed in reverse order, depending on the functionality involved. It should also be noted that each block in the flowcharts or block diagrams, and combinations of blocks in the flowcharts or block diagrams, can be implemented by dedicated hardware-based systems that perform the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0117] Those skilled in the art can understand that the features described in various embodiments of the present application can be combined and / or integrated in various combinations and / or integrations, even if such combinations or integrations are not explicitly described in the present application. In particular, the features described in various embodiments of the present application can be combined and / or integrated in various combinations and / or integrations without departing from the spirit and teachings of the present application. All such combinations and / or integrations fall within the scope of the present application.

Claims

1. An information processing method characterized by comprising: The information processing method applied to a first computing system comprises: receiving first information and identification information sent by a second computing system, the first information being used to represent a number of target objects contained in a target event, and the identification information being used to mark the target objects; configuring at least one virtual account based on the first information and generating second information, the second information comprising account information corresponding to the at least one virtual account; in response to a request for returning money, associating the identification information of each target object with the account information of a virtual account in the at least one virtual account respectively to generate association information; and crediting money of the target objects from a specified account to a virtual account corresponding to the account information indicated by the association information.

2. The information processing method according to claim 1, characterized by, The configuring at least one virtual account based on the first information comprises: generating a number of virtual accounts equal to the number of the target objects.

3. The information processing method according to claim 1 or 2, characterized by, The generating second information comprises: generating the account information of each virtual account based on location information of an area where the second computing system is located, point information corresponding to the second computing system, and a random number sequence, wherein the random numbers corresponding to different virtual accounts are different.

4. The information processing method according to claim 1, characterized by, The information processing method further comprises: in response to an information deletion instruction, deleting the stored identification information and account information, wherein the information deletion instruction is generated after processing the money in the virtual account corresponding to the target object.

5. An information processing method characterized by comprising: The information processing method applied to a second computing system comprises: sending first information and identification information to a first computing system, so that the first computing system configures at least one virtual account based on the first information and generates second information, the first information being used to represent a number of target objects contained in a target event, the identification information being used to mark the target objects, and the second information comprising account information corresponding to the at least one virtual account; sending a request for returning money to the first computing system, so that the first computing system, in response to the request for returning money, associates the identification information of each target object with the account information of a virtual account in the at least one virtual account respectively to generate association information, and credits money of the target objects from a specified account to a virtual account corresponding to the account information indicated by the association information.

6. The information processing method according to claim 5, characterized by, The information processing method further comprises: encrypting the identification information to obtain an electronic file containing the identification information; sending the electronic file to the first computing system.

7. A first computing system, comprising: The first computing system comprises: a receiving module configured to receive first information and identification information sent by a second computing system, the first information being used to represent a number of target objects contained in a target event, and the identification information being used to mark the target objects; a generating module configured to configure at least one virtual account based on the first information and generate second information, the second information comprising account information corresponding to the at least one virtual account; an associating module configured to, in response to a request for returning money, associate the identification information of each target object with the account information of a virtual account in the at least one virtual account respectively to generate association information; and The account crediting module is configured to credit the money of the target object from a specified account to a virtual account corresponding to the account number information indicated by the association information.

8. A second computing system, comprising: The second computing system comprises: The first sending module is configured to send first information and identification information to the first computing system, so that the first computing system configures at least one virtual account based on the first information and generates second information, the first information is used to represent the number of target objects contained in a target event, the identification information is used to mark the target objects, and the second information comprises account number information corresponding to the at least one virtual account; The second sending module is configured to send a money return request to the first computing system, so that the first computing system associates the identification information of each target object with the account number information of a virtual account in the at least one virtual account in response to the money return request, generates association information, and credits the money of the target object from a specified account to a virtual account corresponding to the account number information indicated by the association information. 9.An electronic device comprising: one or more processors; a memory for storing one or more computer programs, characterized in that the one or more processors execute the one or more computer programs to implement the steps of the information processing method according to any one of claims 1-6.

10. A computer readable storage medium having stored thereon a computer program or instructions, characterized in that, The computer program or instruction is executed by the processor to implement the steps of the information processing method according to any one of claims 1-6.

11. A computer program product comprising computer programs or instructions, characterized in that, The computer program or instruction is executed by the processor to implement the steps of the information processing method according to any one of claims 1-6.

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