CN111784336B - Platform capital account management method, system and storage medium - Google Patents
Platform capital account management method, system and storage medium Download PDFInfo
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Abstract
The present disclosure provides a platform fund account management method, system and storage medium, the method includes: acquiring a user operation request; and based on the user operation request, carrying out recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system. The technology solves the safety problem of platform internal transaction in the related technology, and has the beneficial effect of realizing the safety guarantee of platform fund account system recharging, account transferring and cash withdrawal.
Description
Technical Field
The disclosure belongs to the field of computers, and particularly relates to a platform fund account management method, a system, computer equipment and a storage medium.
Background
In the field of computer software applications, there are often situations where a service demander purchases a service from a service provider on one platform. In order to facilitate the smooth transaction between two parties and ensure the safety of the fund account numbers of the two parties of the transaction, a special system is required to manage the safety.
The identity of a transaction participant needs to be managed, i.e., a set of user account systems is provided to distinguish different participants, which may be individuals, businesses, or other third-party institutions.
In addition, in order to manage the data generated by the transaction, an order system is also needed to manage the content and the transaction flow of the transaction.
The transaction involves the transfer of actual funds, requiring interfacing and interaction with a bank or third party payment authority.
In the related art, a transaction safety problem exists inside a platform.
Disclosure of Invention
In order to solve at least one of the above technical problems, the present disclosure provides a platform fund account management method, system, and storage medium.
According to a first aspect of the present disclosure, there is provided a platform fund account management method, including: acquiring a user operation request; and based on the user operation request, carrying out recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system.
In an exemplary embodiment of the present disclosure, after obtaining the user operation request, the method further includes: under the condition that the user operation request is recharging, generating a recharging order, and requesting a bank system or a third-party payment system to perform corresponding fund transaction after the user confirms payment for the generated recharging order; and after the fund transaction is successful, prompting the user that the recharging is successful, and adding the recharging amount to the user balance of the user account in the platform fund account management system.
In an exemplary embodiment of the present disclosure, after obtaining the user operation request, the method further includes: and under the condition that the user operation request is consumption, generating a transaction order of the platform for providing service, and transferring the consumption amount of the user to the platform account from the user balance of the user account in the platform fund account management system.
In an exemplary embodiment of the present disclosure, after obtaining the user operation request, the method further includes: generating a cash withdrawal order under the condition that the user operation request is cash withdrawal, and deducting the user cash withdrawal amount from the user balance of the user account in the platform fund account management system; and calling a transfer interface of the bank system or the third-party payment system to transfer the cash withdrawal amount to the account number appointed by the user.
In an exemplary embodiment of the present disclosure, after obtaining the user operation request, the method further includes: and under the condition that the user operation request is transfer, checking whether the transfer is in compliance, under the condition that the transfer is in compliance, generating a transaction order of other users for providing service, and transferring the user consumption amount from the user balance of the user account in the platform fund account management system to account balances of the other users.
In an exemplary embodiment of the present disclosure, the method further comprises: and checking and monitoring the personal account, the platform total entry, the balance and the charge-out in the platform fund account management system.
In an exemplary embodiment of the present disclosure, the method further comprises: and monitoring the performance of the platform fund account management system, transaction delay and related indexes of a bank system or a third-party payment system.
In an exemplary embodiment of the present disclosure, the performing operations of charging, transferring or cashing a user account corresponding to the user operation request in the platform fund account management system further includes: processing first type elements and second type elements in the user operation request by using different transformation vector blocks, and adaptively encoding the processed first type elements and second type elements, wherein the transformation vector block corresponding to the first type element indicates whether a significant transformation vector exists at a corresponding position in a transformation vector block of the first type element, and the transformation vector block corresponding to the second type element indicates whether a non-significant transformation vector exists at a corresponding position in a transformation vector block of the second type element; and performing recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request subjected to the self-adaptive coding.
In an exemplary embodiment of the disclosure, processing the first type element and the second type element in the user operation request by using different transformation vector blocks comprises: calculating residual signals between the first type element and the second type element and a predetermined element using different transformation vector blocks, respectively, associating the first type element and the second type element to vector values of the corresponding transformation vector blocks, and performing two-dimensional transformation on the first type element and the second type element, respectively, based on the calculated residual signals and the associated vector values; and using the absolute number of vector transformation in the two-dimensional transformation matrix to multiply the numerical value of the ratio of the number of transformation coefficients in the two-dimensional transformation matrix to the number of transformation coefficients coded in the two-dimensional transformation matrix, and performing Fourier transform processing on the first type elements and the second type elements after the two-dimensional transformation.
In an exemplary embodiment of the present disclosure, the two-dimensional transformation is performed using the following formula:
wherein m is11,m12Residual signals, m, of said first type element and second type element, respectively21,m22Associated vector values, t, of elements of the first type and elements of the second type, respectivelyxAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
According to another aspect of the disclosure, a platform fund account management system is provided, which includes an obtaining module configured to obtain a user operation request; and the operation module is configured to perform operations of charging, transferring or cashing on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request.
In an exemplary embodiment of the present disclosure, in a case that the user operation request is a top-up, the operation module is further configured to: generating a recharging order, and requesting a bank system or a third-party payment system to perform corresponding fund transaction after a user confirms payment for the generated recharging order; and after the fund transaction is successful, prompting the user that the recharging is successful, and adding the recharging amount to the user balance of the user account in the platform fund account management system.
In an exemplary embodiment of the present disclosure, the apparatus further includes: in a case where the user operation request is consumption, the operation module is further configured to: and generating a transaction order of the platform for providing services, and transferring the consumption amount of the user from the user balance of the user account in the platform fund account management system to the platform account.
In an exemplary embodiment of the disclosure, in a case that the user operation request is a cash-out, the operation module is further configured to: generating a cash withdrawal order and deducting the cash withdrawal amount of a user from the user balance of the user account in the platform fund account management system; and calling a transfer interface of the bank system or the third-party payment system to transfer the cash withdrawal amount to the account number appointed by the user.
In an exemplary embodiment of the present disclosure, in a case where the user operation request is a transfer, the operation module is further configured to: and under the condition that the user operation request is transfer, checking whether the transfer is in compliance, under the condition that the transfer is in compliance, generating a transaction order of other users for providing service, and transferring the user consumption amount from the user balance of the user account in the platform fund account management system to account balances of the other users.
In an exemplary embodiment of the present disclosure, the operation module further includes: a processing unit configured to process first and second type elements in the user operation request using different transformation vector blocks, and adaptively encode the processed first and second type elements, wherein the transformation vector block corresponding to the first type element indicates whether a significant transformation vector exists at a corresponding position within the transformation vector block of the first type element, and the transformation vector block corresponding to the second type element indicates whether a non-significant transformation vector exists at a corresponding position within the transformation vector block of the second type element; and the operation unit is configured to perform recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request subjected to the self-adaptive coding.
In an exemplary embodiment of the disclosure, the processing unit is further configured to: calculating residual signals between the first type element and the second type element and a predetermined element using different transformation vector blocks, respectively, associating the first type element and the second type element to vector values of the corresponding transformation vector blocks, and performing two-dimensional transformation on the first type element and the second type element, respectively, based on the calculated residual signals and the associated vector values; and using the absolute number of vector transformation in the two-dimensional transformation matrix to multiply the numerical value of the ratio of the number of transformation coefficients in the two-dimensional transformation matrix to the number of transformation coefficients coded in the two-dimensional transformation matrix, and performing Fourier transform processing on the first type elements and the second type elements after the two-dimensional transformation.
In an exemplary embodiment of the disclosure, the processing unit is further configured to perform the two-dimensional transformation using the following formula:
wherein m is11,m12Residual signals, m, of said first type element and second type element, respectively21,m22Associated vector values, t, of elements of the first type and elements of the second type, respectivelyxAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
According to yet another aspect of the present disclosure, there is provided a computer device comprising a processor, a memory, and a computer program stored on the memory and executable on the processor, the processor executing the computer program for implementing the platform funding account management method as described above.
According to yet another aspect of the present disclosure, there is provided a computer readable storage medium storing a computer program for implementing the platform funding account management method as described above when executed by a processor.
According to the scheme, the safety problem of the internal transaction of the platform is solved, and the beneficial effects of realizing safety guarantee of recharging, transferring and cash withdrawal of the platform fund account system are achieved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the disclosure and are incorporated in and constitute a part of this disclosure, illustrate embodiments of the disclosure and together with the description serve to explain the disclosure and not to limit the disclosure. In the drawings:
fig. 1 is a flowchart of a platform fund account management method in which a user operation request is a recharge request according to an embodiment of the present disclosure.
Fig. 2 is a flowchart of a platform fund account management method in which a user operation request is a transfer request according to an embodiment of the present disclosure.
Fig. 3 is a flowchart of a platform funding account management method for a user operation request being a cash-out request according to an embodiment of the present disclosure.
Fig. 4 is a flowchart of a platform fund account management method in which a user operation request is a consumption request according to an embodiment of the present disclosure.
Fig. 5 is a flowchart of a method of encoding a user operation request according to an embodiment of the present disclosure.
Fig. 6 is a schematic structural diagram of a platform system according to an embodiment of the present disclosure.
Fig. 7 is a schematic structural diagram of a platform funding account management system according to an embodiment of the present disclosure.
FIG. 8 is a schematic diagram of a computer device suitable for use in implementing a server according to embodiments of the present disclosure.
Detailed Description
To make the objectives, technical solutions and advantages of the embodiments of the present disclosure more clear, the technical solutions in the embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings in the embodiments of the present disclosure. In the drawings, the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The described embodiments are some, but not all embodiments of the disclosure. The embodiments described below with reference to the drawings are exemplary and intended to be illustrative of the present disclosure, and should not be construed as limiting the present disclosure. All other embodiments, which can be derived by a person skilled in the art from the embodiments disclosed herein without inventive step, are within the scope of the present disclosure. Embodiments of the present disclosure will be described in detail below with reference to the accompanying drawings.
It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the above-described drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the disclosure described herein are capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
According to an exemplary embodiment of the present disclosure, there is provided a platform fund account management method in which a user operation request is a recharge request, as shown in fig. 1, the method includes the following steps:
step S102, a user initiates a user operation request.
In an exemplary embodiment of the disclosure, a client device, such as a mobile phone APP, sends a user operation request, such as a recharge request, to a platform fund account management system.
And step S104, generating a recharging order and returning a payment link.
And the platform fund account management system calls an interface of the platform fund account management system to generate a recharge order and returns a payment link.
Step S106, the user pays the recharge amount.
After receiving the payment operation of the user, the bank system or the third-party payment system judges whether the amount of money in the account of the user is larger than or equal to the amount of money to be paid by the user, if so, the amount of money to be paid by the user can be directly deducted from the bank account provided by the user and added to a platform account in the bank system or the third-party payment system, and meanwhile, the user is prompted to be charged successfully, otherwise, the user is prompted to be insufficient in balance.
In consideration of the safety management of funds, a front-end server and a platform fund account management system are generally set by a bank system or a third-party payment system to correspond to each other, the front-end server and the platform fund account management system are connected through the internet to receive various requests sent by the platform fund account management system, and then corresponding deduction processing is performed on a recharged account by a background server.
In an exemplary embodiment of the disclosure, the front-end server is further configured to preprocess data of the payment application sent by the platform fund account management system, and verify the validity of the data.
In addition, the platform fund account management system and the bank system or the third-party payment system are in agreement of safety communication of the two parties in advance. For example, the banking system or the third party payment system pre-deploys the enterprise internet banking client of the platform fund account management system, the hardware certificate, and the user and password of the operator. The enterprise online bank client and the hardware certificate are used for enabling interactive communication between the third-party payment platform and the platform fund account management system to be safer. The user of the operator and the password are set for manual review.
And step S108, after the recharging is successful, updating the balance of the user.
And the bank system or the third-party payment system informs the platform of the fund account management system after the user successfully charges. The platform fund account management system adds a recharging amount to the balance of the user or the balance of the special account of the special fund and updates the state of the recharging order.
According to an exemplary embodiment of the present disclosure, a platform fund account management method for a user operation request being a transfer request is provided, as shown in fig. 2, the method includes the following steps:
in step S202, a user initiates a user operation request.
In one exemplary embodiment of the disclosure, a client device, such as a cell phone APP, sends a user operation request, such as a transfer request, to a platform funding account management system. In the transfer request, the user designates a transfer account number and a target account number of the initiating user and a transfer amount.
Step S204, checking whether the transfer is in compliance.
And checking whether the transfer is in compliance according to the information provided by the user. After the transfer compliance is verified, it is determined whether the user balance for the user in the platform funding account management system is greater than the transfer amount.
And if the balance of the user is less than the transfer amount, reminding the user to recharge. The user transfers money to the bank account of the platform in the bank system or a third-party payment system through other payment methods, and simultaneously the platform records the amount of money and displays the money to the user in a 'wallet' or 'balance'.
And if the balance of the user is larger than the transfer amount, deducting the transfer amount from the account balance of the initiating user in the platform fund account management system, and increasing the transfer amount in the account balance of the target user.
In an exemplary embodiment of the present disclosure, after consumption between users, the amount of money is not entered into the user's bank account, but is recorded on the platform fund account management system.
Step S206, the user is informed that the transfer is successful.
And the platform fund account management system informs the user of successful transfer after the user transfers money successfully.
According to an exemplary embodiment of the present disclosure, a platform fund account management method for a user operation request being a cash-out request is provided, as shown in fig. 3, the method includes the following steps:
step S302, a user initiates a user operation request.
In an exemplary embodiment of the disclosure, a client device, such as a cell phone APP, sends a user operation request, such as a cash-out request, to a platform funding account management system.
And calling a platform capital account system interface to generate a cash withdrawal order.
And step S304, cash withdrawal is carried out.
And the platform fund account management system calls a transfer interface of a bank system or a third-party payment system to transfer the withdrawal amount from the platform account to the account specified by the user.
And step S306, informing the user of successful cash withdrawal.
And after the user successfully finds the fund account management system, correspondingly deducting the user balance under the user account in the system, and informing the user of successful finding.
According to an exemplary embodiment of the present disclosure, there is provided a platform fund account management method for a user operation request being a consumption request, as shown in fig. 4, the method includes the following steps:
in step S402, the user initiates a user operation request.
In an exemplary embodiment of the disclosure, a client device, such as a cell phone APP, sends a user operation request, such as a consumption request, to a platform funding account management system. In the transfer request, the user specifies the amount of consumption.
In step S404, the consumption amount is deducted.
When a user purchases the service provided by the platform, the balance of the user's own account is consumed, and the amount consumed by the user is transferred from the balance of the user to the platform account.
In an exemplary embodiment of the present disclosure, the platform fund account management method may provide reconciliation, system monitoring processing, log processing, and the like, in addition to the above-described recharge processing, transfer processing, cash withdrawal processing, and consumption processing.
In order to ensure platform fund security, in the embodiment of the disclosure, platform individual accounts, platform total account entry, balance and account withdrawal are checked and monitored, so that the account entry, balance and account withdrawal amount of a single account are consistent, the account entry, balance and account withdrawal amount of the whole system are consistent, and the fund security problem is avoided. In addition, in order to ensure the normal operation of the user transaction, the performance of the system, the transaction delay, the third-party service and other related indexes are monitored, so that whether the transaction is normal or not, whether the system platform is stable or not and whether a third-party support channel is very stable or not are monitored.
In an exemplary embodiment of the present disclosure, in consideration of the problem that a database is tampered with by being attacked, the present disclosure performs encoding processing on a user operation request.
With the rapid development of internet technology, the application of enterprise databases is very wide, and the enterprise databases go deep into various fields, but the security problem of data is generated therewith. Security of a large amount of data in databases of various application systems, and theft and tamper prevention of sensitive data are increasingly attracting great attention.
The types of hacking databases are commonly known as SQL injection and the like. In some cases, if the attacker gets a screen of an application that requires the entry of a username and password, and the application does not check the contents of the login, all he needs to do is provide an SQL statement or database command and go directly to the database. At this time, a user name is not inputted, but an SQL command is inputted. It is entered into a data packet and sent by the application server to the database. This database would read the fraudulent SQL command, and at this time, the database would execute no matter what the SQL command executed.
The method and the device have the advantages that in order to prevent SQL injection attack vulnerability in the application program, real data of certain databases are prevented from being displayed, and therefore potentially sensitive data information can be prevented from being disclosed to potential attackers.
Fig. 5 is a flowchart of a method of encoding a user operation request according to an embodiment of the present disclosure. As shown in fig. 5, the method comprises the steps of:
step S502, adaptive encoding processing.
In an exemplary embodiment of the present disclosure, the encoding is performed on a block basis. That is, the data stream requested by the user operation is encoded in units of blocks. The encoding in units of blocks does not encode the blocks completely independently of each other. Encoding parameters may be set to set the manner in which each sample array region corresponding to each block is encoded.
In an exemplary embodiment of the present disclosure, the user operation request is divided into blocks arranged regularly in a non-overlapping, mutually adjacent manner, and each block has division information associated therewith. Based on the division information, the user operation request is divided into blocks of different sizes according to a rule. There are different possibilities regarding the order of the elements describing the saliency and the saliency transform vector values. When the blocks are divided, the type elements of different blocks are divided, namely, the different blocks are divided into first type elements and second type elements according to the importance degree of data. Wherein the first type element is data with high importance degree, and the second type element is data with low importance degree.
In an exemplary embodiment of the present disclosure, different transformation vector blocks are used to process first type elements and second type elements in a user operation request, and adaptively encode the processed first type elements and second type elements, wherein the transformation vector block corresponding to the first type element indicates whether a significant transformation vector exists at a corresponding position within the transformation vector block of the first type element, and the transformation vector block corresponding to the second type element indicates whether a non-significant transformation vector exists at a corresponding position within the transformation vector block of the second type element.
In an exemplary embodiment of the present disclosure, residual signals between first and second type elements and predetermined elements are respectively calculated using different transformation vector blocks, the first and second type elements are associated to vector values of the corresponding transformation vector blocks, and the first and second type elements are respectively two-dimensionally transformed based on the calculated residual signals and the associated vector values; and performing Fourier transform processing on the two-dimensionally transformed first type elements and second type elements by multiplying the absolute number of vector transformations in the two-dimensional transformation matrix by the numerical value of the ratio of the number of vector transformation coefficients in the two-dimensional transformation matrix to the number of vector transformation coefficients already encoded in the two-dimensional transformation matrix. .
In an exemplary embodiment of the present disclosure, the two-dimensional transformation is performed using the following formula:
wherein m is11,m12Residual signals, m, of elements of the first type and of the second type, respectively21,m22Associated vector values, t, of elements of the first type and elements of the second type, respectivelyxAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
Step S502, operating the database based on the data after the adaptive coding processing.
And based on the user operation request after the self-adaptive coding, carrying out recharging, transferring or cashing operation on the user account corresponding to the user operation request in the platform fund account management system.
In an exemplary embodiment of the present disclosure, data related to a user operation request is read out from a database, and a decoding operation is performed on the data. The read-out divided blocks related to the user operation request are reconstructed by the same sampling array. And performing prediction through the predictor to obtain a predicted value. The prediction values are subtracted from the partitioned block and the prediction residual is two-dimensionally transformed. The two-dimensional transform itself may result in quantization of vector transform coefficients within a block of vector transform coefficients. The quantized transform coefficient block is losslessly decoded. Then, the quantized residual is reconstructed, and the reconstructed residual and the corresponding prediction are combined to obtain reconstruction information.
And performing corresponding operation on the database based on the user operation request and/or the reconstruction information.
By the self-adaptive coding processing of the user operation request and the use of the data after the self-adaptive coding processing to operate the database, hacker attack is prevented, external invasion is prevented, and meanwhile, even internal personnel can not directly change the data in the database, so that the safety of the database system is effectively ensured, and the confidentiality, the integrity and the effectiveness of the data are realized.
According to an exemplary embodiment of the present disclosure, a platform system is provided. As shown in fig. 6, the platform system includes a client device 62, a server 64, and a database 66, wherein the server 64 has a platform funding account management system running thereon which is a software system.
The client device 62 is a client electronic device that may be a smartphone, tablet, personal computer, router, programmable communication device such as a mobile phone and media player, and other programmable devices, among others. Client device 62 may be encoded with an executable file of software or a computer readable medium of a data storage device. When loaded into memory of client device 62, the one or more executable files cause client device 62 to perform client processing and output in a processor of client device 62.
In an exemplary embodiment of the present disclosure, a shopping APP is installed in the client device 62, and the user sends a user operation request to the server 64 through the shopping APP or the like on the client device 62.
The server 64 is connected to the client device 62 via a wired or wireless communication network. The wireless or wired networks described above use standard communication techniques and/or protocols. The Network is typically the Internet, but may be any Network including, but not limited to, a Local Area Network (LAN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), a mobile, wireline or wireless Network, a private Network, or any combination of virtual private networks. In some embodiments, data exchanged over a network is represented using technologies and/or formats including hypertext Markup Language (HTML), Extensible Markup Language (XML), and the like. All or some of the links may also be encrypted using conventional encryption techniques such as Secure Socket Layer (SSL), Transport Layer Security (TLS), Virtual Private Network (VPN), Internet Protocol Security (IPsec). In other embodiments, custom and/or dedicated data communication techniques may also be used in place of or in addition to the data communication techniques described above.
The server 64 is a server, a server cluster formed by a plurality of servers, or a cloud computing center. In an exemplary embodiment of the present disclosure, the server 64 may be a backend server for applications in the client device 62.
In an exemplary embodiment of the present disclosure, a platform fund account management system 66 is running on the server 64, and the platform fund account management system 66 is a computer software system for solving the problem of platform internal transaction and realizing monitoring of user account system, order system, charging, transfer, cash withdrawal and fund security.
In an exemplary embodiment of the present disclosure, the platform funding account management system 66 has the following functions:
providing a user fund account system, wherein the user account system can be a person, an enterprise, a third-party organization or other legal person representatives;
providing an order system, wherein the order system is used for storing transaction content, transaction flow, charging, transferring, withdrawing and refunding;
and providing a recharging service, and initiating recharging by a user through a platform to generate a recharging order. After the user pays successfully, the user can recharge to the enterprise account (bank account and account of the third-party payment company), the recharging order can change the successful recharging state after the user pays successfully, and the recharging amount can be added to the user balance or the special account balance in the platform fund account system.
Providing a consumption service, wherein when a user purchases the service provided by the platform, the balance of the self account of the user can be consumed, and the consumption amount of the user is transferred to the platform account from the balance of the user;
providing a transfer service, wherein a user purchases and pays for services provided by one or more other users, and the payment amount of the purchaser is transferred from the account balance of the user to the account balance of the service provider;
providing cash withdrawal service, wherein the user can withdraw the own account (bank card number or account of a third-party payment mechanism) on the platform according to the self-recharged amount or the fee collected by the service, and after the cash withdrawal is successful, the balance of the platform account is deducted correspondingly;
the account checking function is provided, in order to ensure the platform fund security, the platform personal account, the platform general account entry, the balance and the account discharge can be checked and monitored, and the fund security problem is avoided;
providing a system stability monitoring function, and monitoring related indexes such as system performance, transaction delay, third-party service and the like in order to ensure normal operation of user transaction;
providing log service, and providing log records of account fund change, order state change, recharging record, transfer record and the like.
Fig. 7 is a schematic structural diagram of a platform fund account management system according to an embodiment of the present disclosure, and as shown in fig. 7, the platform fund account management system 66 includes an obtaining module 662 and an operating module 664.
In an exemplary embodiment of the present disclosure, the obtaining module 662 is configured to obtain a user operation request. The operation module 664 is configured to perform operations of charging, transferring or cashing on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request.
In an exemplary embodiment of the present disclosure, in case that the user operation request is a top-up, the operation module 664 is further configured to: generating a recharging order, and requesting a bank system or a third-party payment system to perform corresponding fund transaction after a user confirms payment for the generated recharging order; and after the fund transaction is successful, prompting the user that the recharging is successful, and adding the recharging amount to the user balance of the user account in the platform fund account management system.
In an exemplary embodiment of the disclosure, in case that the user operation request is a consumption, the operation module 664 is further configured to: and generating a transaction order of the platform for providing services, and transferring the consumption amount of the user to the platform account from the user balance of the user account in the platform fund account management system.
In an exemplary embodiment of the disclosure, in case that the user operation request is a cash-out, the operation module 664 is further configured to: generating a withdrawal order and deducting the withdrawal amount of the user from the user balance of the user account in the platform fund account management system; and calling a transfer interface of the bank system or the third-party payment system to transfer the cash withdrawal amount to the account number appointed by the user.
In an exemplary embodiment of the present disclosure, in case that the user operation request is a transfer, the operation module 664 is further configured to: and under the condition that the user operation request is transfer, checking whether the transfer is in compliance or not, generating a transaction order for providing services for other users under the condition that the transfer is in compliance, and transferring the consumption amount of the user from the user balance of the user account in the platform fund account management system to the account balance of other users.
In an exemplary embodiment of the present disclosure, the operation module 664 further includes a processing unit and an operation unit. Wherein the processing unit is configured to process first type elements and second type elements in the user operation request by using different transformation vector blocks, and adaptively encode the processed first type elements and second type elements, wherein the transformation vector block corresponding to the first type element indicates whether a significant transformation vector exists at a corresponding position in the transformation vector block of the first type element, and the transformation vector block corresponding to the second type element indicates whether a non-significant transformation vector exists at a corresponding position in the transformation vector block of the second type element; and the operation unit is configured to perform recharging, transferring or cashing operation on the user account corresponding to the user operation request in the platform fund account management system based on the user operation request subjected to the self-adaptive coding.
In an exemplary embodiment of the disclosure, the processing unit is further configured to: calculating residual signals between the first type element and the second type element and a predetermined element using different transformation vector blocks, respectively, associating the first type element and the second type element to vector values of the corresponding transformation vector blocks, and performing two-dimensional transformation on the first type element and the second type element, respectively, based on the calculated residual signals and the associated vector values; and performing Fourier transform processing on the two-dimensional transformed first type elements and second type elements by using the absolute number of vector transformation in the two-dimensional transformation matrix and multiplying the numerical value of the ratio of the number of transformation coefficients in the two-dimensional transformation matrix to the number of transformation coefficients coded in the two-dimensional transformation matrix.
In an exemplary embodiment of the disclosure, the processing unit is further configured to perform the two-dimensional transformation using the following formula:
wherein m is11,m12Residual signals, m, of elements of the first type and of the second type, respectively21,m22Associated vector values, t, of elements of the first type and elements of the second type, respectivelyxAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
Referring now to FIG. 8, shown is a schematic block diagram of a computer device 800 suitable for use in implementing embodiments of the present disclosure. The computer device shown in fig. 8 is only an example and should not bring any limitation to the function and scope of use of the embodiments of the present disclosure.
As shown in fig. 8, the computer apparatus 800 includes a Central Processing Unit (CPU)801 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data necessary for the operation of the apparatus 800 are also stored. The CPU801, ROM802, and RAM803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.
According to an embodiment of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 809 and/or installed from the removable medium 811. The computer program, when executed by the Central Processing Unit (CPU)801, performs the above-described functions defined in the method of the present disclosure. It should be noted that the computer storage media of the present disclosure can be computer readable signal media or computer readable storage media or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, 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), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer-readable signal medium may include a propagated data signal with computer-readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules or units described in the embodiments of the present disclosure may be implemented by software or hardware. The modules or units described may also be provided in a processor, the names of which in some cases do not constitute a limitation of the module or unit itself.
As another aspect, the present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus described in the above embodiments; or may be present separately and not assembled into the device. The computer readable storage medium carries one or more programs which, when executed by the apparatus, process data in the manner described above.
The present disclosure may also be implemented as a configuration of:
(1) a platform fund account management method comprises the following steps:
acquiring a user operation request; and
and based on the user operation request, carrying out recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system.
(2) The platform funding account management method according to (1), after obtaining the user operation request, the method further comprising:
in the case that the user operation request is a top-up,
generating a recharging order, and requesting a bank system or a third-party payment system to perform corresponding fund transaction after a user confirms payment for the generated recharging order;
and after the fund transaction is successful, prompting the user that the recharging is successful, and adding the recharging amount to the user balance of the user account in the platform fund account management system.
(3) The platform funding account management method according to (1), after obtaining the user operation request, the method further comprising:
and under the condition that the user operation request is consumption, generating a transaction order of the platform for providing service, and transferring the consumption amount of the user to the platform account from the user balance of the user account in the platform fund account management system.
(4) The platform funding account management method according to (1), after obtaining the user operation request, the method further comprising:
in the case where the user operation request is a cash-out,
generating a cash withdrawal order and deducting the cash withdrawal amount of a user from the user balance of the user account in the platform fund account management system; and
and calling a transfer interface of the bank system or the third-party payment system, and transferring the cash withdrawal amount to the account number appointed by the user.
(5) The platform funding account management method according to (1), after obtaining the user operation request, the method further comprising:
and under the condition that the user operation request is transfer, checking whether the transfer is in compliance, under the condition that the transfer is in compliance, generating a transaction order of other users for providing service, and transferring the user consumption amount from the user balance of the user account in the platform fund account management system to account balances of the other users.
(6) The platform funding account management method of (1), further comprising: and checking and monitoring the personal account, the platform total entry, the balance and the charge-out in the platform fund account management system.
(7) The platform funding account management method of (1), further comprising: and monitoring the performance of the platform fund account management system, transaction delay and related indexes of a bank system or a third-party payment system.
(8) The platform fund account management method according to (1), wherein the operation of charging, transferring or cashing the user account corresponding to the user operation request in the platform fund account management system further comprises:
processing first type elements and second type elements in the user operation request by using different transformation vector blocks, and adaptively encoding the processed first type elements and second type elements, wherein the transformation vector block corresponding to the first type element indicates whether a significant transformation vector exists at a corresponding position in a transformation vector block of the first type element, and the transformation vector block corresponding to the second type element indicates whether a non-significant transformation vector exists at a corresponding position in a transformation vector block of the second type element;
and performing recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request subjected to the self-adaptive coding.
(9) The platform fund account management method according to (8), wherein the processing of the first type element and the second type element in the user operation request using different transformation vector blocks comprises:
calculating residual signals between the first type element and the second type element and a predetermined element using different transformation vector blocks, respectively, associating the first type element and the second type element to vector values of the corresponding transformation vector blocks, and performing two-dimensional transformation on the first type element and the second type element, respectively, based on the calculated residual signals and the associated vector values; and
and performing Fourier transform processing on the first type elements and the second type elements after two-dimensional transformation by using the absolute number of vector transformation in the two-dimensional transformation matrix and multiplying the numerical value of the ratio of the number of transformation coefficients in the two-dimensional transformation matrix to the number of transformation coefficients coded in the two-dimensional transformation matrix.
(10) The platform funding account management method of (9), performing the two-dimensional transformation using the following formula:
wherein m is11,m12Residual signals, m, of said first type element and second type element, respectively21,m22Respectively being the first type element and the second type elementAssociated vector values, t, of elements of two typesxAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
(11) A platform funding account management system, comprising:
the acquisition module is configured to acquire a user operation request; and
and the operation module is configured to perform recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request.
(12) The platform funding account management system of (11), in a case that the user operation request is a top-up, the operation module is further configured to:
generating a recharging order, and requesting a bank system or a third-party payment system to perform corresponding fund transaction after a user confirms payment for the generated recharging order; and
and after the fund transaction is successful, prompting the user that the recharging is successful, and adding the recharging amount to the user balance of the user account in the platform fund account management system.
(13) The platform funding account management system of (11), in a case that the user operation request is a waste, the operation module further configured to:
and generating a transaction order of the platform for providing services, and transferring the consumption amount of the user from the user balance of the user account in the platform fund account management system to the platform account.
(14) The platform funding account management system of (11), in a case that the user operation request is a cash-out, the operation module is further configured to:
generating a cash withdrawal order and deducting the cash withdrawal amount of a user from the user balance of the user account in the platform fund account management system; and
and calling a transfer interface of the bank system or the third-party payment system, and transferring the cash withdrawal amount to the account number appointed by the user.
(15) The platform funding account management system of (11), in a case that the user operation request is a transfer, the operation module further configured to:
in case the user operation request is a transfer, checking whether the transfer is in compliance, and in case of compliance,
and generating a transaction order of providing services by other users, and transferring the user consumption amount from the user balance of the user account in the platform fund account management system to account balances of the other users.
(16) The platform funding account management system of (11), the operation module further comprising:
a processing unit configured to process first and second type elements in the user operation request using different transformation vector blocks, and adaptively encode the processed first and second type elements, wherein the transformation vector block corresponding to the first type element indicates whether a significant transformation vector exists at a corresponding position within the transformation vector block of the first type element, and the transformation vector block corresponding to the second type element indicates whether a non-significant transformation vector exists at a corresponding position within the transformation vector block of the second type element;
and the operation unit is configured to perform recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request subjected to the self-adaptive coding.
(17) The platform funding account management system of (16), the processing unit further configured to:
calculating residual signals between the first type element and the second type element and a predetermined element using different transformation vector blocks, respectively, associating the first type element and the second type element to vector values of the corresponding transformation vector blocks, and performing two-dimensional transformation on the first type element and the second type element, respectively, based on the calculated residual signals and the associated vector values; and
and performing Fourier transform processing on the first type elements and the second type elements after two-dimensional transformation by using the absolute number of vector transformation in the two-dimensional transformation matrix and multiplying the numerical value of the ratio of the number of transformation coefficients in the two-dimensional transformation matrix to the number of transformation coefficients coded in the two-dimensional transformation matrix.
(18) The platform funding account management system of (17), the processing unit further configured to perform the two-dimensional transformation using the following formula:
wherein m is11,m12Residual signals, m, of said first type element and second type element, respectively21,m22Associated vector values, t, of elements of the first type and elements of the second type, respectivelyxAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
(19) A computer device comprising a processor, a memory, and a computer program stored on the memory and executable on the processor, the processor executing the computer program for implementing the method of any one of (1) - (10).
(20) A readable storage medium storing a computer program which, when executed by a processor, is adapted to implement the method of any one of (1) to (10).
The above description is only for the specific embodiments of the present disclosure, but the scope of the present disclosure is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present disclosure should be covered within the scope of the present disclosure. Therefore, the protection scope of the present disclosure shall be subject to the protection scope of the claims.
Claims (18)
1. A platform fund account management method is characterized by comprising the following steps:
acquiring a user operation request; and
based on the user operation request, carrying out recharging, transferring or cashing operation on a user account corresponding to the user operation request in a platform fund account management system;
the operation of charging, transferring or cashing the user account corresponding to the user operation request in the platform fund account management system further comprises the following steps:
processing first type elements and second type elements in the user operation request by using different transformation vector blocks, and adaptively encoding the processed first type elements and second type elements, wherein the corresponding transformation vector block of the first type element indicates whether a significant transformation vector exists in a corresponding position in a transformation vector block of the first type element, and the corresponding transformation vector block of the second type element indicates whether a non-significant transformation vector exists in a corresponding position in a transformation vector block of the second type element, wherein the first type element is data with a high degree of importance relative to the second type element, and the second type element is data with a low degree of importance relative to the first type element;
and performing recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request subjected to the self-adaptive coding.
2. The platform funding account management method of claim 1, wherein after obtaining the user operation request, the method further comprises:
in the case that the user operation request is a top-up,
generating a recharging order, and requesting a bank system or a third-party payment system to perform corresponding fund transaction after a user confirms payment for the generated recharging order;
and after the fund transaction is successful, prompting the user that the recharging is successful, and adding the recharging amount to the user balance of the user account in the platform fund account management system.
3. The platform funding account management method of claim 1, wherein after obtaining the user operation request, the method further comprises:
and under the condition that the user operation request is consumption, generating a transaction order of the platform for providing service, and transferring the consumption amount of the user to the platform account from the user balance of the user account in the platform fund account management system.
4. The platform funding account management method of claim 1, wherein after obtaining the user operation request, the method further comprises:
in the case where the user operation request is a cash-out,
generating a cash withdrawal order and deducting the cash withdrawal amount of a user from the user balance of the user account in the platform fund account management system; and
and calling a transfer interface of the bank system or the third-party payment system, and transferring the cash withdrawal amount to the account number appointed by the user.
5. The platform funding account management method of claim 1, wherein after obtaining the user operation request, the method further comprises:
and under the condition that the user operation request is transfer, checking whether the transfer is in compliance, under the condition that the transfer is in compliance, generating a transaction order of other users for providing service, and transferring the user consumption amount from the user balance of the user account in the platform fund account management system to account balances of the other users.
6. The platform funding account management method of claim 1, wherein the method further comprises: and checking and monitoring the personal account, the platform total entry, the balance and the charge-out in the platform fund account management system.
7. The platform funding account management method of claim 1, wherein the method further comprises: and monitoring the performance of the platform fund account management system, transaction delay and related indexes of a bank system or a third-party payment system.
8. The platform funds account management method of claim 7, wherein processing the first type element and the second type element in the user operation request using different transformation vector blocks comprises:
calculating residual signals between the first type element and the second type element and a predetermined element using different transformation vector blocks, respectively, associating the first type element and the second type element to vector values of the corresponding transformation vector blocks, and performing two-dimensional transformation on the first type element and the second type element, respectively, based on the calculated residual signals and the associated vector values; and
and performing Fourier transform processing on the first type elements and the second type elements after two-dimensional transformation by using the absolute number of vector transformation in the two-dimensional transformation matrix and multiplying the numerical value of the ratio of the number of transformation coefficients in the two-dimensional transformation matrix to the number of transformation coefficients coded in the two-dimensional transformation matrix.
9. The platform funding account management method of claim 8, wherein the two-dimensional transformation is performed using the following formula:
wherein m is11,m12Residual signals, m, of said first type element and second type element, respectively21,m22Respectively being an element of a first type andassociated vector value, t, of an element of the second typexAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
10. A platform funding account management system, comprising:
the acquisition module is configured to acquire a user operation request; and
the operation module is configured to perform recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request;
wherein the operation module further comprises:
a processing unit configured to process first and second type elements in the user operation request using different transformation vector blocks, and adaptively encode the processed first and second type elements, wherein the transformation vector block corresponding to the first type element indicates whether a significant transformation vector exists at a corresponding position within a transformation vector block of the first type element, and the transformation vector block corresponding to the second type element indicates whether a non-significant transformation vector exists at a corresponding position within a transformation vector block of the second type element, wherein the first type element is data having a high degree of importance relative to the second type element, and the second type element is data having a low degree of importance relative to the first type element;
and the operation unit is configured to perform recharging, transferring or cashing operation on a user account corresponding to the user operation request in the platform fund account management system based on the user operation request subjected to the self-adaptive coding.
11. The platform funding account management system of claim 10, wherein in a case that the user operation request is a top-up, the operation module is further configured to:
generating a recharging order, and requesting a bank system or a third-party payment system to perform corresponding fund transaction after a user confirms payment for the generated recharging order; and
and after the fund transaction is successful, prompting the user that the recharging is successful, and adding the recharging amount to the user balance of the user account in the platform fund account management system.
12. The platform funding account management system of claim 10, wherein in the event the user operation request is a waste, the operations module is further configured to:
and generating a transaction order of the platform for providing services, and transferring the consumption amount of the user from the user balance of the user account in the platform fund account management system to the platform account.
13. The platform funding account management system of claim 10, wherein in the event the user operation request is a cash-out, the operation module is further configured to:
generating a cash withdrawal order and deducting the cash withdrawal amount of a user from the user balance of the user account in the platform fund account management system; and
and calling a transfer interface of the bank system or the third-party payment system, and transferring the cash withdrawal amount to the account number appointed by the user.
14. The platform funding account management system of claim 10, wherein, in a case where the user operation request is a transfer, the operations module is further configured to:
in case the user operation request is a transfer, checking whether the transfer is in compliance, and in case of compliance,
and generating a transaction order of providing services by other users, and transferring the user consumption amount from the user balance of the user account in the platform fund account management system to account balances of the other users.
15. The platform funding account management system of claim 10, wherein the processing unit is further configured to:
calculating residual signals between the first type element and the second type element and a predetermined element using different transformation vector blocks, respectively, associating the first type element and the second type element to vector values of the corresponding transformation vector blocks, and performing two-dimensional transformation on the first type element and the second type element, respectively, based on the calculated residual signals and the associated vector values; and
and performing Fourier transform processing on the first type elements and the second type elements after two-dimensional transformation by using the absolute number of vector transformation in the two-dimensional transformation matrix and multiplying the numerical value of the ratio of the number of transformation coefficients in the two-dimensional transformation matrix to the number of transformation coefficients coded in the two-dimensional transformation matrix.
16. The platform funding account management system of claim 15, wherein the processing unit is further configured to perform the two-dimensional transformation using the following formula:
wherein m is11,m12Residual signals, m, of said first type element and second type element, respectively21,m22Associated vector values, t, of elements of the first type and elements of the second type, respectivelyxAnd tyThe time stamps are respectively the time stamps of the first type element and the second type element, x and y respectively represent the first type element and the second type element, and x 'and y' respectively represent the first type element and the second type element after the two-dimensional transformation.
17. A computer device comprising a processor, a memory, and a computer program stored on the memory and executable on the processor, the processor executing the computer program for implementing the method of any one of claims 1-9.
18. A readable storage medium, storing a computer program, for implementing the method according to any of claims 1-9 when the computer program is executed by a processor.
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CN202010760091.4A CN111784336B (en) | 2020-07-31 | 2020-07-31 | Platform capital account management method, system and storage medium |
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