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CN111369343A - Bank account processing method and device - Google Patents

Bank account processing method and device Download PDF

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Publication number
CN111369343A
CN111369343A CN202010150754.0A CN202010150754A CN111369343A CN 111369343 A CN111369343 A CN 111369343A CN 202010150754 A CN202010150754 A CN 202010150754A CN 111369343 A CN111369343 A CN 111369343A
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account
check code
original
bank
digits
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Inventor
郭仲华
张靖
杨雪春
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Bank of China Ltd
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Bank of China Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Accounting & Taxation (AREA)
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Abstract

The invention discloses a bank account processing method and a bank account processing device, wherein the method comprises the following steps: acquiring account format data, wherein the account format data comprises: generating mode data by using the original account number digits and the check codes; if the number of digits of the original account is smaller than a preset value, generating the original account according to the number of digits of the original account; generating mode data according to the original account and the check code, and generating the check code; and processing the original account according to the check code. The invention can effectively increase the flexibility and the safety of bank account processing.

Description

Bank account processing method and device
Technical Field
The invention relates to the technical field of bank data processing, in particular to a bank account processing method and device.
Background
With the continuous development of information technology, on one hand, the risk of data security faced by a bank transaction system is higher and higher, so how to safely and efficiently protect the data of the bank system, reduce financial risk from the system level, and put forward higher and higher requirements on the bank system. The bank account is key data of the bank system, and there is an interactive scene with other bank systems, so the security of the bank account is particularly important. On the other hand, the functions of the bank system are more and more complex, and the cost of system development is more and more high, so how to design the system more efficiently, more flexibly and sustainably during system function development also puts forward higher requirements on the bank system development.
However, the existing bank account processing method seriously lacks flexibility and security.
Disclosure of Invention
The embodiment of the invention provides a bank account processing method, which is used for processing a bank account and improving the flexibility and the safety, and comprises the following steps:
acquiring account format data, wherein the account format data comprises: generating mode data by using the original account number digits and the check codes;
if the number of digits of the original account is smaller than a preset value, generating the original account according to the number of digits of the original account;
generating mode data according to the original account and the check code, and generating the check code;
and processing the original account according to the check code.
The embodiment of the invention provides a bank account processing device, which is used for processing a bank account and improving the flexibility and the safety, and comprises the following components:
the data acquisition module is used for acquiring account format data, wherein the account format data comprises: generating mode data by using the original account number digits and the check codes;
the account generation module is used for generating an original account according to the number of digits of the original account if the number of digits of the original account is smaller than a preset value;
the check code generation module is used for generating mode data according to the original account and the check code and generating a check code;
and the account processing module is used for processing the original account according to the check code.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the bank account processing method when executing the computer program.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the bank account processing method when executing the computer program.
The embodiment of the invention acquires account format data, wherein the account format data comprises: generating mode data by using the original account number digits and the check codes; if the number of digits of the original account is smaller than a preset value, generating the original account according to the number of digits of the original account; generating mode data according to the original account and the check code, and generating the check code; and processing the original account according to the check code. According to the embodiment of the invention, different numbers of digits of the original account and the check code generation modes are set through the account format data, then the original account and the check code are respectively generated according to the account format data, and then the original account is processed according to the check code, so that the flexibility and the safety of bank account processing are effectively improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic diagram of a bank account processing method in an embodiment of the present invention;
FIG. 2 is a schematic diagram of a check code generation mode tag according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a digit tag of an original account according to an embodiment of the present disclosure;
FIG. 4 is a diagram illustrating a check code according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a check code addition according to an embodiment of the present invention;
FIG. 6 is a diagram illustrating a check code addition according to an embodiment of the present invention;
fig. 7 is a schematic diagram of a bank account processing method in the embodiment of the present invention;
FIG. 8 is a diagram illustrating a checksum according to an embodiment of the present invention;
FIG. 9 is a diagram illustrating a checksum according to an embodiment of the present invention;
fig. 10 is a schematic diagram of a bank account processing method according to an embodiment of the present invention;
FIG. 11 is a diagram illustrating a check code according to an embodiment of the present invention;
FIG. 12 is a block diagram of a bank account processing apparatus according to an embodiment of the present invention;
FIG. 13 is a block diagram of a bank account processing apparatus according to an embodiment of the present invention;
fig. 14 is a block diagram of a bank account processing apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
First, terms related to embodiments of the present invention are described:
bank account number: generally a string of numbers, which is an identifier used by the core banking transaction system in performing functional processing, and is used to identify the transaction entity of the customer, such as a regular account number, a current account number, a public account number, etc. that the customer may open. In the embodiment of the invention, the bank account number is 17 digits. The value can be flexibly set according to the functions of the transaction system and the difference of the customer volume, but the account number length of the same system is fixed.
And (4) checking codes: the number of digits is intentionally added on the basis of the original account number, and is calculated by the original account number through some rule (for example, the identification number is 18 digits, wherein the 18 th digit is a check code and is calculated by the first 17 digits). In the embodiment of the invention, the check code refers to a check code of a bank account, and the length is 1.
Original account number: the bank account number without the check code is stored in the core bank transaction system as the original account number.
And (4) complete account number: the core bank transaction system and the transaction request system interactively use a complete account number, and the transaction request system can only acquire the complete account number.
Core bank transaction system: refers to a processing system of bank transaction.
In order to process a bank account and improve flexibility and security, an embodiment of the present invention provides a bank account processing method, as shown in fig. 1, where the method may include:
step 101, obtaining account format data, wherein the account format data includes: generating mode data by using the original account number digits and the check codes;
102, if the number of digits of the original account is smaller than a preset value, generating the original account according to the number of digits of the original account;
103, generating mode data according to the original account and the check code to generate a check code;
and 104, processing the original account according to the check code.
As shown in fig. 1, in the embodiment of the present invention, account format data is obtained, where the account format data includes: generating mode data by using the original account number digits and the check codes; if the number of digits of the original account is smaller than a preset value, generating the original account according to the number of digits of the original account; generating mode data according to the original account and the check code, and generating the check code; and processing the original account according to the check code. According to the embodiment of the invention, different numbers of digits of the original account and the check code generation modes are set through the account format data, then the original account and the check code are respectively generated according to the account format data, and then the original account is processed according to the check code, so that the flexibility and the safety of bank account processing are effectively improved.
The inventor finds that the existing bank account seriously lacks flexibility and safety, and some bank systems have the defects that the account does not have a check code, the setting of the check code is relatively single, the interaction between the systems does not have the processing of adding/subtracting the check code, the data safety risk exists, and the fund risk of customers or financial crime is easily caused. Therefore, the embodiment of the invention sets different original account number digits and check code generation modes through the account number format data, respectively generates the original account number and the check code according to the account number format data, and processes the original account number according to the check code, thereby effectively increasing the flexibility and the safety of bank account number processing.
In specific implementation, account format data is acquired, wherein the account format data includes: and generating mode data by using the original account number digits and the check code.
In an embodiment, the check code generation pattern data includes: a fixed value check code generation mode, a 10 check code generation mode, and an 11 check code generation mode.
In this embodiment, the check code generation pattern data indicates a manner in which the check code is generated. For example, the check code generation mode data may be replaced by a check code generation mode tag, for example, if the check code generation mode tag is 1, the fixed value check code generation mode is indicated, if the check code generation mode tag is 2, the check code generation mode is 10, and if the check code generation mode tag is 3, the check code generation mode is 11, as shown in fig. 2. It should be noted that the check code generation mode tag may be extended according to the actual system requirement. The 10 check code generation mode and the 11 check code generation mode are both computer algorithms, a number is generated according to the combination of an input item and a system internal matrix and is used as a check code, and the algorithm can be adjusted according to the actual system condition due to different results generated by different algorithms.
In specific implementation, if the number of digits of the original account is smaller than a preset value, the original account is generated according to the number of digits of the original account.
In an embodiment, the 17-bit bank complete account number includes an original account number bit and a check code bit, for example, if the original account number bit is 17, it indicates that there is no check code, if the original account number bit is 16, the check code bit is 1, and if the original account number bit is 15, the check code bit is 2. The original account number digit label may also be used to replace the original account number digit label, for example, if the original account number digit label is 0, it indicates that there is no check code, if the original account number digit label is 1, it indicates that the original account number digit is 16 digits, if the check code digit label is 1, then it indicates that the original account number digit label is 2, then it indicates that the original account number digit is 15 digits, and if the check code digit label is 2, as shown in fig. 3. It should be noted that the specific formats of the complete account number, the original account number, and the check code may be extended according to the actual system requirements.
And when the method is specifically implemented, generating mode data according to the original account and the check code, and generating the check code.
And in specific implementation, processing the original account according to the check code.
In an embodiment, processing the original account according to the check code includes: and combining the check code with the original account number to generate a complete account number.
In this embodiment, as shown in fig. 4, the check code is merged with the original account to generate a complete account, and the process includes: and the verification code is added and is mainly used for newly generating an account number or outputting the account number to an external system. Two specific examples are given below:
specific example 1: as shown in fig. 5, when a customer opens a card, the system first generates an original account number, then generates a check code, combines the check codes to generate a complete account number, returns the complete account number to the card opening process after the account opening is completed, and binds the account number as key information with the card number.
Specific example 2: as shown in fig. 6, the teller queries the account condition under the client name through over-the-counter transaction, the front-end system first sends a transaction request to the core banking transaction system, the core system obtains the client account numbers stored in the data table (all the client account numbers stored in the system are original account numbers and do not contain check codes), then generates check codes according to the original account numbers, combines the check codes with the original account numbers to generate complete account numbers, and then returns the complete account numbers to the front-end system.
In an embodiment, as shown in fig. 7, the bank account processing method in fig. 1 further includes:
and 105, deleting the check code in the complete account according to the complete account and the account format data.
In this embodiment, as shown in fig. 8, according to the complete account and the account format data, the check code in the complete account is deleted, and the process includes: and removing the check code, namely removing the check code of the complete account number to leave the original account number, wherein the check code removing is mainly used for removing the check code of the complete account number sent by the transaction request system when the core bank system processes the peripheral transaction request, and then performing transaction processing. Specific examples are given below:
the specific embodiment is as follows: as shown in fig. 9, the counter withdraws money from an account, the front-end transaction system sends a transaction request, and the core bank transaction system removes the check code after receiving the request, checks the check code with the database according to the original account, and withdraws money after checking the check.
In an embodiment, as shown in fig. 10, the bank account processing method in fig. 1 further includes:
and step 106, verifying the check code in the complete account according to the preset code.
In this embodiment, as shown in fig. 11, the verification code in the complete account is verified according to the preset code, and the process includes: and checking the check code, namely for a complete account, firstly removing the check code, then generating a preset code according to a system algorithm, and finally comparing whether the two codes are consistent or not.
The invention has the following advantages:
1. the flexibility is increased: the method comprises the steps of setting different original account number digits and check code generation modes through account number format data, respectively generating an original account number and a check code according to the account number format data, and processing the original account number according to the check code, so that the flexibility of bank account number processing is effectively improved, and the control is relatively perfect;
2. the maintenance cost is low: on one hand, related information can be set through parameters, only parameters need to be adjusted if the system is required to be changed in the maintenance process, and version development is not required; on the other hand, the subsequent modification can be carried out at a little if necessary, and each transaction is not required to be modified;
3. the safety is improved: the non-core bank system can acquire all the complete account numbers, the core bank system can acquire the complete account numbers and the original account numbers, but the core bank system stores the original account numbers, the information is inconsistent, and the account number safety is improved.
Based on the same inventive concept, the embodiment of the invention also provides a bank account processing device, as described in the following embodiments. Because the principles for solving the problems are similar to the bank account processing method, the implementation of the device can refer to the implementation of the method, and repeated details are not repeated.
Fig. 12 is a block diagram of a bank account processing apparatus according to an embodiment of the present invention, and as shown in fig. 12, the apparatus includes:
a data obtaining module 1201, configured to obtain account format data, where the account format data includes: generating mode data by using the original account number digits and the check codes;
an account generation module 1202, configured to generate an original account according to the number of digits of the original account if the number of digits of the original account is smaller than a preset value;
a check code generation module 1203, configured to generate pattern data according to the original account and the check code, and generate a check code;
and the account processing module 1204 is configured to process the original account according to the check code.
In one embodiment, the check code generation pattern data includes: a fixed value check code generation mode, a 10 check code generation mode, and an 11 check code generation mode.
In one embodiment, the account processing module 1204 is further configured to: and combining the check code with the original account number to generate a complete account number.
In one embodiment, as shown in fig. 13, the bank account number processing apparatus of fig. 12 further includes:
and a check code deleting module 1205, configured to delete the check code in the complete account according to the complete account and the account format data.
In one embodiment, as shown in fig. 14, the bank account number processing apparatus of fig. 12 further includes:
and the check code verification module 1206 is configured to verify the check code in the complete account according to the preset code.
In summary, the embodiment of the present invention obtains the account format data, where the account format data includes: generating mode data by using the original account number digits and the check codes; if the number of digits of the original account is smaller than a preset value, generating the original account according to the number of digits of the original account; generating mode data according to the original account and the check code, and generating the check code; and processing the original account according to the check code. According to the embodiment of the invention, different numbers of digits of the original account and the check code generation modes are set through the account format data, then the original account and the check code are respectively generated according to the account format data, and then the original account is processed according to the check code, so that the flexibility and the safety of bank account processing are effectively improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (12)

1. A bank account processing method is characterized by comprising the following steps:
acquiring account format data, wherein the account format data comprises: generating mode data by using the original account number digits and the check codes;
if the number of digits of the original account is smaller than a preset value, generating the original account according to the number of digits of the original account;
generating mode data according to the original account and the check code, and generating the check code;
and processing the original account according to the check code.
2. The bank account processing method according to claim 1, wherein the check code generation pattern data includes: a fixed value check code generation mode, a 10 check code generation mode, and an 11 check code generation mode.
3. The bank account processing method according to claim 1, wherein processing the original account according to the check code includes: and combining the check code with the original account number to generate a complete account number.
4. The bank account processing method according to claim 3, further comprising: and deleting the check code in the complete account according to the complete account and the account format data.
5. The bank account processing method according to claim 3, further comprising: and verifying the check code in the complete account according to the preset code.
6. A bank account processing apparatus, comprising:
the data acquisition module is used for acquiring account format data, wherein the account format data comprises: generating mode data by using the original account number digits and the check codes;
the account generation module is used for generating an original account according to the number of digits of the original account if the number of digits of the original account is smaller than a preset value;
the check code generation module is used for generating mode data according to the original account and the check code and generating a check code;
and the account processing module is used for processing the original account according to the check code.
7. The bank account processing apparatus according to claim 6, wherein the check code generation pattern data includes: a fixed value check code generation mode, a 10 check code generation mode, and an 11 check code generation mode.
8. The bank account processing device of claim 6, wherein the account processing module is further configured to: and combining the check code with the original account number to generate a complete account number.
9. The bank account processing apparatus according to claim 8, further comprising:
and the check code deleting module is used for deleting the check codes in the complete account according to the complete account and the account format data.
10. The bank account processing apparatus according to claim 8, further comprising:
and the check code verification module is used for verifying the check code in the complete account according to the preset code.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
CN202010150754.0A 2020-03-06 2020-03-06 Bank account processing method and device Pending CN111369343A (en)

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Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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CN101599825A (en) * 2009-07-09 2009-12-09 交通银行股份有限公司 information checking system, server and method
CN201717874U (en) * 2010-02-05 2011-01-19 中国工商银行股份有限公司 Online banking background identity authentication device and system employing same
CN202049527U (en) * 2010-11-08 2011-11-23 中国工商银行股份有限公司 Bank account number converting system and device
CN104809157A (en) * 2015-03-25 2015-07-29 小米科技有限责任公司 Number recognition method and device
CN105095263A (en) * 2014-05-08 2015-11-25 阿里巴巴集团控股有限公司 Generation method for card number and apparatus thereof
CN110060433A (en) * 2019-04-11 2019-07-26 中国工商银行股份有限公司 Bank self-aid apparatus assists device, bank self-help cooperative system and method

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101059887A (en) * 2007-06-18 2007-10-24 张师祝 A bank card number and the second magnetic track main account number creation method and reading method
CN101599825A (en) * 2009-07-09 2009-12-09 交通银行股份有限公司 information checking system, server and method
CN201717874U (en) * 2010-02-05 2011-01-19 中国工商银行股份有限公司 Online banking background identity authentication device and system employing same
CN202049527U (en) * 2010-11-08 2011-11-23 中国工商银行股份有限公司 Bank account number converting system and device
CN105095263A (en) * 2014-05-08 2015-11-25 阿里巴巴集团控股有限公司 Generation method for card number and apparatus thereof
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CN110060433A (en) * 2019-04-11 2019-07-26 中国工商银行股份有限公司 Bank self-aid apparatus assists device, bank self-help cooperative system and method

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