CN111507826A - Method and device for ensuring idempotency when a mobile phone number is associated with a bank account - Google Patents

Abstract

The invention discloses a method and a device for ensuring idempotency when a mobile phone number is associated with a bank account, wherein the method comprises the following steps: acquiring a request for associating the mobile phone number with a bank account; when the association request is a registration request for registering a bank account as a default account corresponding to the mobile phone number, judging whether a data record corresponding to the mobile phone number exists in a preset occupancy table, wherein a main key of the occupancy table is the mobile phone number; when the data record corresponding to the mobile phone number does not exist in the occupation table, generating a data record in the occupation table according to the registration request; and when the operation of the registration request is completed, deleting the data record corresponding to the registration request in the occupation table. The invention realizes that idempotency is kept when the default account corresponding to the mobile phone number is maintained.

Description

Method and device for ensuring idempotency when a mobile phone number is associated with a bank account

technical field

The present invention relates to the field of banking, in particular, to a method and device for ensuring idempotency when a mobile phone number is associated with a bank account.

Background technique

At present, inter-bank transfers are mainly completed based on bank accounts. Due to the need to input account number, account name and other information, the operation is cumbersome, and there are shortcomings in convenience and user experience. In recent years, a transfer method based on mobile phone number has been proposed. In this method, users only need to input the mobile phone number and amount of the other party to complete the payment when handling collection and payment services, and the operation is convenient.

To transfer money based on mobile phone number, you need to associate the mobile phone number with the bank account first, such as binding the mobile phone number with the A1 account of Bank A and the B1 account of Bank B, and associating the A1 account of Bank A as the default account of the mobile phone number, etc. . How to deal with concurrency and idempotency scenarios when associating mobile phone numbers with bank accounts is a problem. For example, when binding bank accounts, according to business rules, the same mobile phone number can only be bound to one account in a bank. When a mobile phone number appears concurrently bound to two bank accounts of a bank, the current system may It is a serious violation of business rules to bind the mobile phone number to two bank accounts of one bank at the same time.

Aiming at the above problem of processing concurrency and idempotency when associating a mobile phone number with a bank account, the present invention proposes a method for ensuring idempotency when a mobile phone number is associated with a bank account.

SUMMARY OF THE INVENTION

In order to solve at least one technical problem in the above background technology, the present invention proposes a method and device for ensuring idempotency when a mobile phone number is associated with a bank account.

In order to achieve the above object, according to an aspect of the present invention, a method for ensuring idempotency when a mobile phone number is associated with a bank account is provided, the method comprising:

Obtain the association request between the mobile phone number and the bank account;

When the association request is a registration request for registering a bank account as a default account corresponding to a mobile phone number, determine whether there is a data record corresponding to the mobile phone number in the preset placeholder table, where the primary key of the placeholder table is the phone number No;

When the data record corresponding to the mobile phone number does not exist in the placeholder table, generate a data record in the placeholder table according to the registration request;

When the registration request operation is completed, the data record corresponding to the registration request in the placeholder table is deleted.

Optionally, the method for ensuring idempotency when the mobile phone number is associated with the bank account further includes:

When the association request is a binding request for binding a mobile phone number with a bank account, determine whether there is an account opening institution to which the account corresponding to the mobile phone number in the binding request and the bank account in the binding request belongs The customer account information table corresponding to the account number, wherein the primary key of the customer account information table is the mobile phone number and the account opening institution number to which the account belongs;

When the corresponding client account information table does not exist, the binding request is executed, and the corresponding client account information table is generated after the binding is successful.

Optionally, the method for ensuring idempotency when the mobile phone number is associated with the bank account further includes:

Determine whether the to-be-changed association attribute corresponding to the association request is consistent with the current association attribute;

If they are consistent, reject the association request and generate prompt information.

Optionally, the method for ensuring idempotency when the mobile phone number is associated with the bank account further includes:

Get the associated account cancellation request;

When it is determined that the record to be cancelled corresponding to the associated account cancellation request does not exist, the account cancellation request is rejected.

In order to achieve the above object, according to another aspect of the present invention, a device for ensuring idempotency when a mobile phone number is associated with a bank account is provided, the device comprising:

an association request obtaining unit, used to obtain an association request between a mobile phone number and a bank account;

A placeholder table query unit, configured to judge whether there is a data record corresponding to the mobile phone number in the preset placeholder table when the association request is a registration request for registering a bank account as a default account corresponding to a mobile phone number, wherein , the primary key of the placeholder table is the mobile phone number;

a placeholder table data record inserting unit, configured to generate a data record in the placeholder table according to the registration request when there is no data record corresponding to the mobile phone number in the placeholder table;

A placeholder table data record deletion unit, configured to delete the data record corresponding to the registration request in the placeholder table when the registration request operation is completed.

Optionally, the device for ensuring idempotency when the mobile phone number is associated with the bank account further includes:

A customer account information table query unit, configured to determine whether there is a mobile phone number in the binding request and the binding request when the association request is a binding request for binding a mobile phone number with a bank account The customer account information table corresponding to the account opening institution number to which the bank account corresponding to the account belongs, wherein the primary key of the customer account information table is the mobile phone number and the account opening institution number to which the account belongs;

The binding request execution unit is configured to execute the binding request when the corresponding client account information table does not exist, and generate the corresponding client account information table after the binding is successful.

Optionally, the device for ensuring idempotency when the mobile phone number is associated with the bank account further includes:

a to-be-changed association attribute verification unit, configured to determine whether the to-be-changed association attribute corresponding to the association request is consistent with the current association attribute;

A processing unit, configured to reject the association request and generate prompt information when the association attribute to be changed is consistent with the current association attribute.

Optionally, the device for ensuring idempotency when the mobile phone number is associated with the bank account further includes:

An associated account cancellation request obtaining unit, used to obtain the associated account cancellation request;

The associated account cancellation request verification unit is configured to reject the account cancellation request when it is determined that the record to be cancelled corresponding to the associated account cancellation request does not exist.

In order to achieve the above object, according to another aspect of the present invention, a computer device is also provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, the processor executing the computer The program implements the steps in the method for ensuring idempotency when the mobile phone number is associated with a bank account.

In order to achieve the above object, according to another aspect of the present invention, a computer-readable storage medium is also provided, where the computer-readable storage medium stores a computer program, and the computer program realizes the above-mentioned mobile phone when executed in a computer processor Steps in a method for guaranteeing idempotency when a number is associated with a bank account.

The beneficial effects of the present invention are as follows: the present invention can maintain idempotency when maintaining the default account corresponding to the mobile phone number by using the occupancy table.

Description of drawings

In order to illustrate the embodiments of the present invention or the technical solutions in the prior art more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments or the prior art. Obviously, the drawings in the following description are For some embodiments of the present invention, for those of ordinary skill in the art, other drawings can also be obtained according to these drawings without creative efforts. In the attached image:

1 is a first flowchart of a method for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention;

2 is a second flowchart of a method for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention;

3 is a first structural block diagram of an apparatus for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention;

4 is a second structural block diagram of an apparatus for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of a computer device according to an embodiment of the present invention.

Detailed ways

In order to make those skilled in the art better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only Embodiments are part of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

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, etc.) having computer-usable program code embodied therein.

It should be noted that the terms "comprising" and "having" in the description and claims of the present invention and the above-mentioned drawings, as well as any variations thereof, are intended to cover non-exclusive inclusion, for example, including a series of steps or units The processes, methods, systems, products or devices are not necessarily limited to those steps or units expressly listed, but may include other steps or units not expressly listed or inherent to such processes, methods, products or devices.

It should be noted that the embodiments of the present invention and the features of the embodiments may be combined with each other under the condition of no conflict. The present invention will be described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.

The invention provides a method for ensuring idempotency when a mobile phone number is associated with a bank account, which is applied in the field of mobile phone number payment. In this embodiment of the present invention, mobile phone number payment must comply with the following basic rules:

(1) A bank account can only be associated with one mobile phone number;

(2) One mobile phone number can be associated with the accounts of multiple banks, and only one bank account can be associated with one bank;

(3) One mobile phone number can only be registered and used by one customer, and one customer can use multiple mobile phone numbers to register;

(4) At any time, a mobile phone number corresponds to only one default account.

In order to maintain the above business rules, the present invention considers that there may be a variety of abnormal situations from a technical point of view. In the case of a large amount of concurrency, the system performs functions such as registration and change to prevent concurrency in multiple situations, idempotency, etc. After multiple designs, a method is designed to ensure idempotency when the mobile phone number is associated with the bank account, which ensures the robustness of the system and the uniqueness of the result.

In the embodiment of the present invention, scenarios involving concurrency and idempotency include: 1. The same mobile phone number, the same bank sends two registration messages; 2. The same mobile phone number, different banks, concurrently register as a default account; 3. , The property to be changed is the same as the original property; 4 The record to be cancelled does not exist. The present invention proposes a method for ensuring idempotency for the above scenarios involving concurrency and idempotency.

The association request between the mobile phone number and the bank account in the embodiment of the present invention includes: a registration request for registering the bank account as a default account corresponding to the mobile phone number, a binding request for binding the mobile phone number with the bank account, and the like.

FIG. 1 is a first flowchart of a method for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention. As shown in FIG. 1 , the method for ensuring idempotency when a mobile phone number is associated with a bank account in this embodiment includes the following steps: Steps S101 to S104.

Step S101, obtaining a registration request for registering the bank account as the default account corresponding to the mobile phone number.

Step S102, judging whether there is a data record corresponding to the mobile phone number in the preset occupancy table.

Step S103, when the data record corresponding to the mobile phone number does not exist in the placeholder table, generate a data record in the placeholder table according to the registration request.

Step S104, when the registration request operation is completed, delete the data record corresponding to the registration request in the occupancy table.

In this embodiment of the present invention, each time a registration request for registering a bank account as a default account corresponding to a mobile phone number is received, a preset occupancy table is first queried to see if there is a data record corresponding to the mobile phone number. If it does not exist, insert a data record into the placeholder table, update the status to success or failure after executing the registration request, and delete the data record in the placeholder table synchronously. If two concurrent registration requests are received, the previous registration request will insert a data record into the placeholder table, so that the subsequent registration request fails to be inserted due to the unique index (mobile phone number) in the placeholder table, until the previous registration After the request execution is completed (success or failure), the subsequent registration request can insert a new data record corresponding to the mobile phone number in the placeholder table, so as to solve the idempotency problem of two concurrent registration requests. In this embodiment of the present invention, the function of the placeholder table is similar to the function of database locking. Non-read-only operations such as registration, change, and cancellation all need to occupy a place in the same placeholder table, which means that a mobile phone number can only handle one non-read-only operation at the same time. In an optional embodiment of the present invention, the structure of the placeholder table may be as follows: there is only a single field mobile phone number, and this field is a unique primary key. The following Table 1 is a data structure of a placeholder table according to an optional embodiment of the present invention.

Table 1

The above-mentioned methods from steps S101 to S104 are aimed at the above-mentioned scenario of the same mobile phone number, different banks, and concurrent registration as a default account. In this scenario, the idempotent control of the present invention is implemented by a placeholder table. If there is no placeholder table and two registration requests are processed at the same time, it is very likely that both bank accounts will be registered as the default account of the same mobile phone number, which violates the basic rules of mobile phone number payment. In the present invention, when the first registration request is accepted, the mobile phone number is added to a placeholder table with the phone number as the unique primary key, and after the processing is completed, it is deleted from the placeholder table. The operations of adding and removing the placeholder table and normal registration are For the same transaction, if the registration business fails in the middle, it will be rolled back together. If a second registration request is accepted concurrently during processing, since the data record corresponding to the mobile phone number already exists in the placeholder table, the second registration request will be queued until the processing of the first registration request is completed.

It can be seen from the above description that the present invention can maintain idempotency when maintaining the default account corresponding to the mobile phone number by using the placeholder table.

2 is a second flow chart of a method for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention. As shown in FIG. 2 , the method for ensuring idempotency when a mobile phone number is associated with a bank account in this embodiment is further Steps S201 to S203 are included.

Step S201, obtaining a binding request for binding the mobile phone number with the bank account.

Step S202, judging whether there is a client account information table corresponding to the mobile phone number in the binding request and the account opening institution number to which the account corresponding to the bank account in the binding request belongs.

Step S203, when there is no corresponding client account information table, execute the binding request, and generate a corresponding client account information table after the binding is successful.

This part of the present invention is aimed at the above-mentioned scenario where the same mobile phone number and the same bank send two registration messages, for example, the customer submits the registration and binding of the mobile phone number with the A1 account of Bank A and the A2 account of Bank A at the same time. For this scenario,

In the embodiment of the present invention, when performing account binding, according to business rules, the same mobile phone number can only be registered with one bank account in one bank. When two registration messages with exactly the same information appear in the same bank with the same mobile phone number, in order to comply with business rules, the mobile phone number and the account opening institution number to which the account belongs in the customer account information table are set as multi-field primary keys, and the second registration is accepted. When the message is sent, it will be rejected due to the primary key conflict, so as to solve the problem of concurrency.

In an optional embodiment of the present invention, the data format of the user account information table may be as shown in Table 1 below. As shown in Table 2 below, the user account information table of the present invention includes: mobile phone number, account opening institution number to which the account belongs, commercial bank bank number, user certificate number, user certificate type, default type, user account, user account name, mask account name, other IDs, account status, update time and registration time. The mobile phone number and the account opening institution number to which the account belongs are the primary keys of the user account information table.

Table 2

In Table 2, the user ID number, user ID type and user name are used to confirm the user's identity information; the default type defines whether the user's current account is the default account; the account status defines whether the current account is in a frozen state ; The update time and registration time respectively record the registration time and the latest change time of the current account.

In the embodiment of the present invention, the index primary key of the user account information table is set to the mobile phone number and the account opening institution number to which the account belongs, ensuring that one mobile phone number can only register one account in one institution. The invention utilizes the primary key of the account information table to maintain the integrity of the transaction. In the mobile phone number payment, fields such as the mobile phone number and the account opening institution number to which the account belongs are used as the primary key. If the database primary key conflicts and an error is reported during submission, the transaction is rolled back. The integrity of the transaction is maintained, and the transaction is rolled back if an error is reported during the commit.

In the embodiment of the present invention, for the above-mentioned scenario in which the attribute to be changed is consistent with the original attribute, after receiving the association request between the mobile phone number and the bank account, the present invention first performs a business check. If the current attributes are the same, it will reject and return the error message "The default account attributes are the same as the registered default account attributes and do not need to be changed". This design is to prevent repeated changes.

In the embodiment of the present invention, for the above scenario where the record to be cancelled does not exist, the present invention first performs a business check after receiving the request for cancellation of the associated account, and refuses to cancel if the record to be cancelled does not exist. This design ensures that The result is the same no matter how many times the logout message is received.

It can be seen from the above description that the method for ensuring idempotency when a mobile phone number is associated with a bank account of the present invention can meet the requirements of the mobile phone number payment service. Among them, in the case of a large amount of concurrency, in order to ensure the safety of user funds, the system implements multiple designs in terms of registration, change and other functions to prevent concurrency in various situations, idempotency, etc., which increases the complexity of application software design, but from user funds. The security perspective guarantees the robustness of the system and the uniqueness of the results.

It should be noted that the steps shown in the flowcharts of the accompanying drawings may be executed in a computer system, such as a set of computer-executable instructions, and, although a logical sequence is shown in the flowcharts, in some cases, Steps shown or described may be performed in an order different from that herein.

Based on the same inventive concept, an embodiment of the present invention also provides a device for ensuring idempotency when a mobile phone number is associated with a bank account, which can be used to implement the idempotency guarantee when a mobile phone number is associated with a bank account described in the above embodiments method, as described in the examples below. Since the principle of the device that guarantees idempotency when the mobile phone number is associated with the bank account is similar to the method of ensuring the idempotency when the mobile phone number is associated with the bank account, the implementation of the device that guarantees the idempotency when the mobile phone number is associated with the bank account For an example, please refer to the embodiment of the method for ensuring idempotency when a mobile phone number is associated with a bank account, and the repetition will not be repeated. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, implementations in hardware, or a combination of software and hardware, are also possible and contemplated.

3 is a first structural block diagram of an apparatus for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention. As shown in FIG. 3 , the apparatus for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention includes: : an association request obtaining unit 1 , a placeholder table query unit 2 , a placeholder table data record inserting unit 3 , and a placeholder table data record deletion unit 4 .

The association request obtaining unit 1 is configured to obtain the association request between the mobile phone number and the bank account.

A placeholder table query unit 2, configured to judge whether there is a data record corresponding to the mobile phone number in the preset placeholder table when the association request is a registration request for registering a bank account as a default account corresponding to a mobile phone number, The primary key of the placeholder table is the mobile phone number.

The occupancy table data record inserting unit 3 is configured to generate a data record in the occupancy table according to the registration request when there is no data record corresponding to the mobile phone number in the occupancy table.

The placeholder table data record deletion unit 4 is configured to delete the data record corresponding to the registration request in the placeholder table when the registration request operation is completed.

FIG. 4 is a second structural block diagram of an apparatus for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention. As shown in FIG. 4 , the apparatus for ensuring idempotency when a mobile phone number is associated with a bank account according to an embodiment of the present invention It also includes: a customer account information table query unit 5 and a binding request execution unit 6 .

Customer account information table query unit 5, configured to determine whether there is a mobile phone number in the binding request and the binding request when the association request is a binding request for binding a mobile phone number with a bank account The customer account information table corresponding to the account opening institution number to which the bank account corresponding to the account belongs to, wherein the primary key of the customer account information table is the mobile phone number and the account opening institution number to which the account belongs.

The binding request execution unit 6 is configured to execute the binding request when the corresponding client account information table does not exist, and generate the corresponding client account information table after the binding is successful.

In an optional embodiment of the present invention, the device for ensuring idempotency when a mobile phone number is associated with a bank account of the present invention further includes:

a to-be-changed association attribute verification unit, configured to determine whether the to-be-changed association attribute corresponding to the association request is consistent with the current association attribute;

A processing unit, configured to reject the association request and generate prompt information when the association attribute to be changed is consistent with the current association attribute.

In an optional embodiment of the present invention, the device for ensuring idempotency when a mobile phone number is associated with a bank account of the present invention further includes:

An associated account cancellation request obtaining unit, used to obtain the associated account cancellation request;

The associated account cancellation request verification unit is configured to reject the account cancellation request when it is determined that the record to be cancelled corresponding to the associated account cancellation request does not exist.

In order to achieve the above object, according to another aspect of the present application, a computer device is also provided. As shown in FIG. 5 , the computer device includes a memory, a processor, a communication interface and a communication bus, and a computer program that can be run on the processor is stored in the memory, and the processor implements the above embodiments when executing the computer program steps in the method.

The processor may be a central processing unit (Central Processing Unit, CPU). The processor may also be other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit, ASIC), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA) or other Chips such as programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or a combination of the above types of chips.

As a non-transitory computer-readable storage medium, the memory can be used to store non-transitory software programs, non-transitory computer-executable programs, and units, such as program units corresponding to the above method embodiments of the present invention. The processor executes various functional applications of the processor and works data processing by running the non-transitory software programs, instructions and modules stored in the memory, that is, to implement the methods in the above method embodiments.

The memory may include a storage program area and a storage data area, wherein the storage program area may store an operating system and an application program required by at least one function; the storage data area may store data created by the processor, and the like. Additionally, the memory may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory may optionally include memory located remotely from the processor, such remote memory being connectable to the processor via a network. Examples of such networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

The one or more units are stored in the memory, and when executed by the processor, perform the methods in the above-described embodiments.

The specific details of the above computer equipment can be understood by referring to the corresponding related descriptions and effects in the above embodiments, which will not be repeated here.

In order to achieve the above object, according to another aspect of the present application, a computer-readable storage medium is also provided, where the computer-readable storage medium stores a computer program, and the computer program realizes the above-mentioned mobile phone when executed in a computer processor Steps in a method for guaranteeing idempotency when a number is associated with a bank account. Those skilled in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium. During execution, the processes of the embodiments of the above-mentioned methods may be included. Wherein, the storage medium may be a magnetic disk, an optical disk, a read-only memory (Read-Only Memory, ROM), a random access memory (Random Access Memory, RAM), a flash memory (Flash Memory), a hard disk (Hard Disk Drive, Abbreviation: HDD) or solid-state drive (Solid-State Drive, SSD), etc.; the storage medium may also include a combination of the above-mentioned types of memories.

Obviously, those skilled in the art should understand that the above-mentioned modules or steps of the present invention can be implemented by a general-purpose computing device, which can be centralized on a single computing device, or distributed in a network composed of multiple computing devices Alternatively, they can be implemented with program codes executable by a computing device, so that they can be stored in a storage device and executed by the computing device, or they can be made into individual integrated circuit modules, or they can be integrated into The multiple modules or steps are fabricated into a single integrated circuit module. As such, the present invention is not limited to any particular combination of hardware and software.

The above descriptions are only preferred embodiments of the present invention, and are not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. a method for guaranteeing idempotency when a mobile phone number is associated with a bank account, it is characterized in that comprising: Obtain the association request between the mobile phone number and the bank account; When the association request is a registration request for registering a bank account as a default account corresponding to a mobile phone number, determine whether there is a data record corresponding to the mobile phone number in the preset placeholder table, where the primary key of the placeholder table is the phone number No; When the data record corresponding to the mobile phone number does not exist in the placeholder table, generate a data record in the placeholder table according to the registration request; When the registration request operation is completed, the data record corresponding to the registration request in the placeholder table is deleted. 2. the method for guaranteeing idempotency when the mobile phone number according to claim 1 is associated with the bank account, it is characterized in that, also comprises: When the association request is a binding request for binding a mobile phone number with a bank account, determine whether there is an account opening institution to which the account corresponding to the mobile phone number in the binding request and the bank account in the binding request belongs The customer account information table corresponding to the account number, wherein the primary key of the customer account information table is the mobile phone number and the account opening institution number to which the account belongs; When the corresponding client account information table does not exist, the binding request is executed, and the corresponding client account information table is generated after the binding is successful. 3. the method for guaranteeing idempotency when the mobile phone number according to claim 1 is associated with the bank account, is characterized in that, also comprises: Determine whether the to-be-changed association attribute corresponding to the association request is consistent with the current association attribute; If they are consistent, reject the association request and generate prompt information. 4. the method for guaranteeing idempotency when the mobile phone number according to claim 1 is associated with the bank account, is characterized in that, also comprises: Get the associated account cancellation request; When it is determined that the record to be cancelled corresponding to the associated account cancellation request does not exist, the account cancellation request is rejected. 5. A device for ensuring idempotency when a mobile phone number is associated with a bank account, comprising: an association request obtaining unit, used to obtain an association request between a mobile phone number and a bank account; A placeholder table query unit, configured to judge whether there is a data record corresponding to the mobile phone number in the preset placeholder table when the association request is a registration request for registering a bank account as a default account corresponding to a mobile phone number, wherein , the primary key of the placeholder table is the mobile phone number; a placeholder table data record inserting unit, configured to generate a data record in the placeholder table according to the registration request when there is no data record corresponding to the mobile phone number in the placeholder table; A placeholder table data record deletion unit, configured to delete the data record corresponding to the registration request in the placeholder table when the registration request operation is completed. 6. The device for guaranteeing idempotency when a mobile phone number is associated with a bank account according to claim 5, further comprising: A customer account information table query unit, configured to determine whether there is a mobile phone number in the binding request and the binding request when the association request is a binding request for binding a mobile phone number with a bank account The customer account information table corresponding to the account opening institution number to which the bank account corresponding to the account belongs, wherein the primary key of the customer account information table is the mobile phone number and the account opening institution number to which the account belongs; The binding request execution unit is configured to execute the binding request when the corresponding client account information table does not exist, and generate the corresponding client account information table after the binding is successful. 7. The device for guaranteeing idempotency when a mobile phone number is associated with a bank account according to claim 5, further comprising: a to-be-changed association attribute verification unit, configured to determine whether the to-be-changed association attribute corresponding to the association request is consistent with the current association attribute; A processing unit, configured to reject the association request and generate prompt information when the association attribute to be changed is consistent with the current association attribute. 8. The device for ensuring idempotency when a mobile phone number is associated with a bank account according to claim 5, further comprising: An associated account cancellation request obtaining unit, used to obtain the associated account cancellation request; The associated account cancellation request verification unit is configured to reject the account cancellation request when it is determined that the record to be cancelled corresponding to the associated account cancellation request does not exist. 9. A computer device comprising a memory, a processor and a computer program stored in the memory and running on the processor, wherein the processor implements any of claims 1 to 4 when the processor executes the computer program method described in item. 10. A computer-readable storage medium storing a computer program, characterized in that, when the computer program is executed in a computer processor, the computer program according to any one of claims 1 to 4 is implemented. method.

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