Data processing method, device, computer equipment and storage medium for product

Abstract

The present application relates to a data processing method, device, computer equipment and storage medium for a product. The method comprises: obtaining a data processing request from a client for a product to be processed; obtaining a product permission model; querying from the product permission model the operation permission for the target life cycle stage of the product to be processed according to the product parameters and the target life cycle stage of the product to be processed carried in the data processing request; determining the product data of the product to be processed in the target life cycle stage according to the operation permission of the target life cycle stage, and returning the product data to the client. This method can realize fine-grained management of each life cycle stage of the product, reduce the hard coding and redundant code of the system, directly query the operation permission of the required target life cycle stage, without obtaining the operation permission of the entire life cycle of the product, thereby improving the efficiency of system processing, reducing the cost of development and operation, and ensuring the security and stability of the system.

Description

Technical Field

[0001] The present application relates to the technical field of big data analysis, and in particular to a data processing method, device, computer equipment and storage medium for a product. Background Art

[0002] In recent years, the Internet industry's customer base has strong online consumption capabilities, which has brought about new financial service scenarios and promoted the integration of bank credit business with the Internet industry.

[0003] In traditional technology, product permission control in the credit system is based on the product granularity, and the business logic is embedded in the processing logic of the accounting component application through hard coding. For example, when querying the customer's loan account list, first obtain all the customer's loan information, and then judge whether to display / repay / spend / settlement according to the request channel and product parameters according to the business logic. However, as products become more and more abundant and channels become more and more diverse, the traditional credit system needs to constantly modify the business code according to the increased business needs, which is prone to code redundancy, resulting in low processing efficiency of the traditional credit system. Summary of the invention

[0004] Based on this, it is necessary to provide a data processing method, device, computer equipment and storage medium for a product that can improve processing efficiency in response to the above technical problems.

[0005] In a first aspect, an embodiment of the present application provides a data processing method for a product, the method comprising:

[0006] Obtaining a data processing request from a client for a product to be processed, wherein the data processing request carries product parameters of the product to be processed and a target life cycle stage of the product to be processed;

[0007] Acquire a product permission model, wherein the product permission model includes an association relationship between product parameters and permission parameters, wherein the permission parameters include operation permissions for each life cycle stage of the product;

[0008] According to the product parameters of the product to be processed and the target life cycle stage, querying from the product permission model to obtain the operation permission for the target life cycle stage;

[0009] According to the operation authority of the target life cycle stage, the product data of the product to be processed at the target life cycle stage is determined, and the product data is returned to the client.

[0010] In one embodiment, the data processing request also carries a transaction channel; the permission parameters in the product permission model include the operation permissions for each life cycle stage of the product under each transaction channel;

[0011] The querying and obtaining the operation authority for the target life cycle stage from the product authority model according to the product parameters of the product to be processed and the target life cycle stage includes:

[0012] According to the product parameters of the product to be processed, the target life cycle stage and the transaction channel, the operation authority for the target life cycle stage under the transaction channel is queried from the product authority model.

[0013] In one embodiment, the product permission model is generated in the following manner:

[0014] Acquire product parameters of a product and a plurality of life cycle stages corresponding to the product, wherein the plurality of life cycle stages are obtained by dividing the life cycle of the product;

[0015] Obtaining the operation authority of each life cycle stage corresponding to the product, and obtaining the authority parameters corresponding to the product;

[0016] An association relationship between the product parameters and the permission parameters of the product is established to obtain the product permission model.

[0017] In one embodiment, the multiple life cycle stages corresponding to the product are life cycle stages that have an interactive action relationship with a user account.

[0018] In one embodiment, the method further comprises:

[0019] Displaying a product permission configuration page, displaying product parameters and permission parameters corresponding to the product parameters on the product permission configuration page;

[0020] In response to a modification operation on the operation permission in the permission parameter, obtaining a new operation permission;

[0021] The product permission model is updated according to the new operation permission.

[0022] In one embodiment, the displaying of the product permission configuration page, displaying product parameters and permission parameters corresponding to the product parameters on the product permission configuration page, includes:

[0023] Displaying the product permission configuration page, and displaying a product parameter input area in the product permission configuration page;

[0024] Receiving product parameters of the product to be modified through the product parameter input area;

[0025] According to the product parameters of the product to be modified, querying in the product permission model to obtain the permission parameters corresponding to the product parameters;

[0026] The product parameters and the permission parameters corresponding to the product parameters are displayed on the product permission configuration page.

[0027] In one of the embodiments, the product parameters include a product identification, and at least one of an institution identification and a credit channel identification.

[0028] In a second aspect, an embodiment of the present application further provides a data processing device for a product, the device comprising:

[0029] A request acquisition module, used to acquire a data processing request from a client for a product to be processed, wherein the data processing request carries product parameters of the product to be processed and a target life cycle stage of the product to be processed;

[0030] A model acquisition module, used to acquire a product permission model, wherein the product permission model includes an association relationship between product parameters and permission parameters, wherein the permission parameters include operation permissions for each life cycle stage of the product;

[0031] A permission query module, used to query and obtain the operation permission for the target life cycle stage from the product permission model according to the product parameters of the product to be processed and the target life cycle stage;

[0032] A data return module is used to determine the product data of the product to be processed at the target life cycle stage according to the operation authority of the target life cycle stage, and return the product data to the client.

[0033] In one embodiment, the data processing request also carries a transaction channel; the permission parameters in the product permission model include the operation permissions for each life cycle stage of the product under each transaction channel;

[0034] The authority query module is also used to:

[0035] According to the product parameters of the product to be processed, the target life cycle stage and the transaction channel, the operation authority for the target life cycle stage under the transaction channel is queried from the product authority model.

[0036] In one embodiment, the model acquisition module includes:

[0037] A parameter acquisition unit, used to acquire product parameters of a product and a plurality of life cycle stages corresponding to the product, wherein the plurality of life cycle stages are obtained by dividing the life cycle of the product;

[0038] The permission acquisition unit is used to acquire the operation permissions of each life cycle stage corresponding to the product and obtain the permission parameters corresponding to the product;

[0039] The relationship establishing unit is used to establish the association relationship between the product parameters and the permission parameters of the product to obtain the product permission model.

[0040] In one embodiment, the multiple life cycle stages corresponding to the product are life cycle stages that have an interactive action relationship with a user account.

[0041] In one embodiment, the device further comprises:

[0042] A page display module, used to display a product permission configuration page, display product parameters and permission parameters corresponding to the product parameters on the product permission configuration page;

[0043] A parameter modification module, used for obtaining new operation permissions in response to a modification operation on the operation permissions in the permission parameters;

[0044] The model update module is used to update the product permission model according to the new operation permissions.

[0045] In one embodiment, the page display module includes:

[0046] An input area display unit, used to display a product authority configuration page, and to display a product parameter input area in the product authority configuration page;

[0047] An input area receiving unit, used to receive product parameters of the product to be modified through the product parameter input area;

[0048] The permission parameter query unit is used to query the permission parameters corresponding to the product parameters in the product permission model according to the product parameters of the product to be modified;

[0049] The permission parameter display unit is used to display product parameters and permission parameters corresponding to the product parameters in the product permission configuration page.

[0050] In one of the embodiments, the product parameters include a product identification, and at least one of an institution identification and a credit channel identification.

[0051] In a third aspect, an embodiment of the present application further provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the data processing method for the product described in any one of the embodiments of the first aspect above is implemented.

[0052] In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the data processing method for the product described in any one of the embodiments of the first aspect above is implemented.

[0053] The data processing method, device, computer equipment and storage medium of the above-mentioned product obtain the data processing request of the client for the product to be processed, query the product permission model according to the product parameters of the product to be processed carried in the data processing request and the target life cycle stage, obtain the operation permission of the target life cycle stage of the product to be processed, determine the product data of the product to be processed in the target life cycle stage according to the operation permission, and return the product data to the client; the use of parameterized representation for each life cycle stage of the product can realize fine-grained management of each life cycle stage of the product, reduce the hard coding and redundant code of the system, and use the product permission model to query the server for the operation permission of the target life cycle stage of the product to be processed. It is possible to directly query the required operation permission of the target life cycle stage without obtaining the operation permission of the entire life cycle of the product, thereby improving the efficiency of system processing, reducing the cost of development and operation, and ensuring the security and stability of the system. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] In order to more clearly illustrate the implementation methods of this specification or the technical solutions in the prior art, the drawings required for use in the implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some implementation methods recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0055] Figure 1 An application environment diagram of a data processing method for a product in an embodiment;

[0056] Figure 2 A schematic diagram of a flow chart of a data processing method for a product in one embodiment;

[0057] Figure 3 A flowchart of steps for obtaining a product permission model in one embodiment;

[0058] Figure 4 A schematic diagram of a product life cycle in one embodiment;

[0059] Figure 5 A flowchart of the steps of updating a product permission model in one embodiment;

[0060] Figure 6 A flowchart showing steps for configuring a product permission page in one embodiment;

[0061] Figure 7 A schematic diagram of a product permission configuration page in an embodiment;

[0062] Figure 8 A schematic flow chart of a data processing method for a product in another embodiment;

[0063] Fig. 9 A structural block diagram of a data processing device of a product in one embodiment;

[0064] Fig.10 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0065] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0066] The data processing method of the product provided in the embodiment of the present application can be applied to Figure 1The application environment diagram shown. Among them, the terminal 102 can deploy at least one client that needs to obtain product data of the product to be processed, and the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. At least one product permission model is pre-deployed on the server 104, and the product permission model includes the association relationship between the product parameters and permission parameters of the product. The server 104 obtains the data processing request of the client for the product to be processed, and the data processing request carries the product parameters of the product to be processed and the target life cycle stage of the product to be processed. The server 104 obtains the deployed product permission model, and according to the product parameters of the product to be processed and the target life cycle stage, queries the operation authority for the target life cycle stage of the product to be processed from the product permission model. The server 104 determines the product data of the product to be processed in the target life cycle stage according to the operation authority of the target life cycle stage, and returns the product data to the client. Among them, the terminal 102 can be, but not limited to, various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices, and the Internet of Things devices can be smart TVs, smart car devices, etc. The portable wearable device may be a smart watch, a smart bracelet, a head-mounted device, etc. The server 104 may be implemented as an independent server or a server cluster consisting of multiple servers.

[0067] In one embodiment, Figure 2 As shown, a data processing method for a product is provided, and the method is applied to Figure 1 The server in the example is used to illustrate the following steps:

[0068] Step S202: obtaining a data processing request from the client for the product to be processed.

[0069] The product to be processed may be used to represent the product whose product data needs to be processed according to the data processing request. The data processing request may carry the product parameters and the target life cycle stage of the product to be processed. The data processing request may include but is not limited to any one of a query request, a display request, a spending request, a repayment request, a request for early repayment of principal, and a settlement request.

[0070] The life cycle stage of the product to be processed may be a partial stage obtained by dividing the entire life cycle of the product, and may include but not limited to the loan / expenditure stage, the repayment / early principal repayment stage, and the settlement / early settlement stage. The target life cycle stage may be the life cycle stage currently being processed by the client.

[0071] Specifically, the server obtains the data processing request of the client for the product to be processed, and responds to the data processing request of the product to be processed. The data processing request of the product to be processed can be manually triggered by the user, for example, the user clicks the corresponding data processing button on the terminal page; or it can be automatically triggered by the server, for example, the server detects that there is a data processing request issued for the target life cycle stage of the product to be processed, and automatically triggers the data processing request of the product to be processed.

[0072] Step S204, obtaining a product permission model.

[0073] Step S206, according to the product parameters of the product to be processed and the target life cycle stage, query and obtain the operation authority for the target life cycle stage from the product authority model.

[0074] The product permission model can be used to query the permission parameters corresponding to the product through the product parameters of the product. The product permission model can include product parameters, permission parameters, and the association between product parameters and permission parameters of multiple products. The product parameters of the product to be processed may include but are not limited to product identification, and at least one of the institution identification and the credit channel identification. For example, the product parameters of a loan can be represented by product identification 0063.

[0075] The permission parameters of the product to be processed may include the operation permissions of the server at various life cycle stages of the product to be processed.

[0076] Specifically, the server obtains the pre-deployed product permission model, obtains the product parameters and target life cycle stage of the product to be processed carried in the data processing request. Based on the product parameters and target life cycle stage of the product to be processed, the server queries the permission parameters associated with the product parameters of the product to be processed from the product permission model, and obtains the operation permission for the target life cycle stage of the product to be processed.

[0077] Step S208, determining the product data of the product to be processed at the target life cycle stage according to the operation authority of the target life cycle stage, and returning the product data to the client.

[0078] Specifically, the operation authority may include situations such as having the operation authority or not having the operation authority. The server may query the server's operation authority for the target life cycle stage of the product to be processed from the product authority model based on the product parameters in the data processing request and the target life cycle stage. If the server determines that it has the operation authority at the target life cycle stage of the product to be processed, the data of the product to be processed at the target life cycle stage is returned to the client for display by the client. If the server determines that it does not have the operation authority at the target life cycle stage, it may not actively query the data at the target life cycle stage.

[0079] Exemplarily, a product includes two life cycle stages: stage A and stage B. Among them, the operating authority of the pending product in the product permission model is Y (that is, with operating authority), and the operating authority of the pending product in stage B is N (that is, without operating authority). If the server receives a query request from the client for stage A of the product, and obtains the operating authority of stage A of the pending product as "Y" through the product permission model, the corresponding product data of stage A will be queried from the product database, and the corresponding product data of stage A will be returned to the client. If the server receives a query request from the client for stage B of the pending product, and obtains the operating authority of stage B of the pending product as "N" through the product permission model, the product data under stage B will not be queried, and the corresponding prompt information will be returned to the client.

[0080] In the data processing method of the above-mentioned product, by obtaining the data processing request of the client for the product to be processed, the product parameters of the product to be processed carried in the data processing request and the target life cycle are queried in the product permission model to obtain the operation authority of the target life cycle stage of the product to be processed, and the product data of the product to be processed in the target life cycle stage is determined according to the operation authority, and the product data is returned to the client; the use of parameterized representation for each life cycle stage of the product can realize fine-grained management of each life cycle stage of the product, reduce the hard coding and redundant code of the system, and use the product permission model to query the server for the operation authority of the target life cycle stage of the product to be processed. The operation authority of the required target life cycle stage can be directly queried without obtaining the operation authority of the entire life cycle of the product, thereby improving the efficiency of system processing, reducing the cost of development and operation, and ensuring the security and stability of the system.

[0081] In one embodiment, the data processing request also carries a transaction channel; the permission parameters in the product permission model include the operating permissions for each life cycle stage of the product under each transaction channel; step S206, according to the product parameters of the product to be processed and the target life cycle stage, query the operating permissions for the target life cycle stage from the product permission model, including: according to the product parameters of the product to be processed, the target life cycle stage and the transaction channel, query the operating permissions for the target life cycle stage of the product to be processed under the transaction channel from the product permission model.

[0082] The transaction channel can be used to represent the source of the data processing request for the product to be processed, and can include but not limited to any one of mobile banking applications, personal online banking, and social software. The transaction channel identifier can be generated by multiple digits. For example, when the transaction channel is a mobile banking application, 10030006 can be used as the transaction channel identifier; when the transaction channel is personal online banking, 10010001 can be used as the transaction channel identifier; when the transaction channel is a social software, 30240044 can be used as the transaction channel identifier.

[0083] Specifically, the server responds to the client's data processing request for the product to be processed and obtains the data processing request for the product to be processed, wherein the data processing request includes the product parameters, target life cycle stage, and transaction channel of the product to be processed. The server queries the product to be processed under the transaction channel from the product permission model for the operation permission of the product to be processed at the target life cycle stage according to the product parameters, target life cycle stage, and transaction channel of the product to be processed.

[0084] In this embodiment, by querying the product's permission parameters through product parameters, target life cycle stage and transaction channel, it is possible to obtain the operation permissions of the target life cycle stage of the product to be processed under the corresponding transaction channel in a targeted manner, thereby improving the efficiency of system processing.

[0085] In one embodiment, Figure 3 As shown, step S204, obtaining a product permission model, includes:

[0086] Step S302, obtaining product parameters of the product and multiple life cycle stages corresponding to the product.

[0087] Step S304, obtaining the operation authority of each life cycle stage corresponding to the product, and obtaining the authority parameters corresponding to the product.

[0088] The product parameters of the product may include a product identifier and at least one of an institution identifier and a credit channel identifier.

[0089] Product identification can be formulated based on the product's usage period and application scenario. For example, the product identification of a credit product can be generated based on the loan duration (short-term, medium-term, long-term, revolving credit) and application scenario (mortgage, car loan, farmer loan, small and micro enterprise loan) of the credit product. For example, a product A can use 0063 as its product identification, a product B can use 0070 as its product identification, a product C can use 0142 as its product identification, and a product D can use 2012 as its product identification.

[0090] The institutional identification can be formulated based on the characteristics of the institution. For example, the institutional identification of a credit product can be generated based on the branch that handles the credit product. For example, the branch in region Z can use 33 as its institutional identification, the branch in region J can use 36 as its institutional identification, and the branch in region G can use 44 as its institutional identification.

[0091] The credit channel identifier is used to represent the basis for setting the loan product limit. It can be generated according to the source of the credit channel. For example, the exclusive electricity bill limit is calculated based on the electricity bill information paid in the past year in the State Grid Mall. Product E, which uses this limit as the loan limit, can use X27 as the credit channel identifier; Product F, which sets the loan limit based on the salary payment limit in the salary loan, can use X16 as the credit channel identifier; Product G, which sets the loan limit based on the existing mortgage limit, can use 001 as the credit channel identifier.

[0092] The life cycle stage can be identified by two letters. For example, PF can be used as the life cycle stage identifier for the settlement stage, AC can be used as the life cycle stage identifier for the available stage, and DU can be used as the life cycle stage identifier for the overdue stage.

[0093] The permission parameter can be identified by Y or N. Y can be used to indicate that the user has the permission to operate, and N can be used to indicate that the user does not have the permission to operate. For example, if a product has the permission to operate during the settlement stage, Y can be used as the permission parameter identifier for the product during the settlement stage.

[0094] Specifically, the server obtains the product identification, organization identification, and credit channel identification configured by the user according to the above content, and generates product parameters of the product according to the product identification, organization identification, and credit channel identification. The server obtains the life cycle identification configured by the user according to the multiple life cycle stages obtained. The server obtains the operation permissions configured by the user for each life cycle stage of the product under each transaction channel, and uses the operation permissions for each life cycle stage under each transaction channel as the permission parameters corresponding to the product.

[0095] Step S306, establishing an association relationship between product parameters and permission parameters of the product to obtain a product permission model.

[0096] Specifically, the server uses product parameters (including product identification, institution identification, and credit channel identification) as the query key KEY, and permission parameters (including transaction channels, and operation permissions at each life cycle stage under each transaction channel) as the target value VALUE, establishes an association between product parameters and permission parameters, stores the query key KEY and the target value VALUE in the database, and obtains a product permission model. When the product permission model is applied, the product parameters of the product are input into the model as the key KEY, and the corresponding parameter value VALUE is loaded to obtain the permission parameters of the product at each life cycle stage under the transaction channel. The following table exemplifies a product permission model:

[0097]

[0098]

[0099] In this embodiment, the product is parameterized by using product identification, organization identification, credit channel identification, life cycle stage identification, and authority parameter identification. A database is established based on the association between product parameters and authority parameters. By calling the database to query the authority parameters corresponding to the product parameters of the product, system hard coding and redundant code can be reduced, thereby reducing development and operation costs.

[0100] In one embodiment, the multiple life cycle stages corresponding to the product are life cycle stages that have an interactive action relationship with the user account. Take the credit product as an example to illustrate the life cycle stages of the product: Figure 4 The figure shows the multiple life cycle stages obtained by dividing the complete life cycle of a credit product according to its business model:

[0101] For the account opening stage, although the account opening process involves the interaction between the customer and the system, it may also involve actions such as material submission, review and verification, and offline authorization; and it is meaningless to include unopened loans in the authority control. Therefore, the operation authority of the account opening stage can be excluded from the control, and the operation authority of the account opening stage can be configured as having the operation authority, so that the server automatically executes the operations of the account opening stage.

[0102] For the loan disbursement / expenditure stage, since some loans will be disbursed to the target account in accordance with the product design and contract after the account is opened, but the credit limit account can be expended multiple times within the allowed credit limit, the expenditure account and channel customers can choose independently, but they still need to be within the product design and contract scope. Therefore, the operation authority of the loan disbursement / expenditure stage can be excluded from the management and control, and the operation authority of the loan disbursement / expenditure stage can be configured as having the operation authority, so that the server automatically executes the query operation of the loan disbursement / expenditure stage.

[0103] For the interest calculation stage, after the loan is successfully issued, the system completes the interest calculation action based on the agreed interest rate, interest calculation method and loan amount. This action is automatically completed by the system at the end of the day and does not require manual intervention from customers / business / operation and maintenance personnel. Therefore, the operation permissions of the interest calculation stage do not need to be included in the management and control. The interest calculation stage can be configured with operation permissions so that the server automatically executes operations in the interest calculation stage.

[0104] For the billing stage, according to the loan contract, the bill will be sent to the customer N days before the repayment date; the customer can query the historical bill through the system; the system can calculate the future bill according to the customer's needs. The above three types of billing operations are all automated processing and query processes of the system, and do not involve interaction. Therefore, the operation permissions of the billing stage can be excluded from management and control. The billing stage can be configured with operation permissions so that the server automatically performs the operations of the billing stage.

[0105] For the contract change stage, since there are many actions involved and a high degree of personalization is required in accordance with the loan contract, the operation permissions of the contract change stage can be excluded from management and control. The contract change stage can be configured with operation permissions so that the server automatically executes the operations of the contract change stage.

[0106] For the repayment / early repayment stage, in order to ensure the security of fund transactions and reduce third-party channels, targeted permission management is required. Therefore, the operation permissions of the repayment / early repayment stage are included in the management, and the repayment / early repayment stage is configured to have no operation permissions, so that the server can perform the operations of the repayment / early repayment stage under the indicated operation (such as the user's interactive operation).

[0107] For the securitization / conversion to overdue / conversion to non-accrual / write-off stage, since the process is handled by business personnel or automatically according to the health of the loan and the execution status, and does not involve interaction, the operation permissions of the securitization / conversion to overdue / conversion to non-accrual / write-off stage do not need to be included in the management and control. The securitization / conversion to overdue / conversion to non-accrual / write-off stage can be configured with operation permissions so that the server automatically executes the operations of the securitization / conversion to overdue / conversion to non-accrual / write-off stage.

[0108] For the settlement / early settlement stage, since the principal, interest and fee data are calculated according to the contract through the initiation scenario and the loan is settled, which involves capital flow and customer subjective actions, the operation permissions of the settlement / early settlement stage can be included in the management and control, and the settlement / early settlement stage can be configured as not having operation permissions, so that the server can perform the operations of the settlement / early settlement stage under the indicated operation.

[0109] In addition, for the display stage, since the process of interaction between the product and the customer is based on a certain loan being displayed, the operation permissions of the display stage can be included in the management and control, and the display stage can be configured to have no operation permissions, so that the server performs operations according to the indicated operation permissions.

[0110] In this embodiment, by dividing the product life cycle into different stages, using the product life cycle stage as the granularity, and incorporating the life cycle stages that have interactive action relationships with user accounts into permission management, the amount of data processed by the product permission model can be reduced and the system processing efficiency can be improved.

[0111] In one embodiment, Figure 5 As shown, the data processing method of the product also includes:

[0112] Step S502, displaying a product permission configuration interface, displaying product parameters and permission parameters corresponding to the product parameters in the product permission configuration page.

[0113] Step S504: in response to the modification operation on the operation permission in the permission parameter, a new operation permission is obtained.

[0114] Step S506: Update the product permission model according to the new operation permission.

[0115] Specifically, after the server obtains the operation permissions of each life cycle stage corresponding to the product from the database, it can also display the product permission configuration interface, and display the product parameters and the permission parameters corresponding to the product parameters through the product permission configuration page. When the server detects the user's modification operation on the operation permissions in the permission parameters through the front-end screen, the server obtains the new operation permissions entered by the user in the product permission configuration interface, and updates the product permission model according to the new operation permissions.

[0116] In this embodiment, by directly modifying the operating permissions in the permission parameters in the product permission configuration interface, there is no need to iterate the online time difference, which reduces the development and operation costs, and is more helpful for the business to complete market needs such as traffic diversion, product push, channel opening, branch characteristics, etc., thereby improving business flexibility and the real-time response capabilities of the system.

[0117] In one embodiment, Figure 6 In step S502, the product permission configuration interface is displayed, and the product parameters and the permission parameters corresponding to the product parameters are displayed in the product permission configuration page, including:

[0118] Step S602, displaying a product authority configuration page, and displaying a product parameter input area in the product authority configuration page.

[0119] Step S604: receiving product parameters of the product to be modified through the product parameter input area.

[0120] Step S606: According to the product parameters of the product to be modified, query the product permission model to obtain the permission parameters corresponding to the product parameters.

[0121] Step S608: displaying product parameters and permission parameters corresponding to the product parameters on the product permission configuration page.

[0122] Specifically, after the server obtains the operation permissions of each life cycle stage corresponding to the product from the database, it can first display the product permission configuration page, display the product parameter input area in the product permission configuration page, and receive the product parameters of the product to be modified input by the user through the product parameter input area. Then, according to the product parameters of the product to be modified, the permission parameters associated with the product parameters are queried in the product permission model and displayed on the product permission configuration page, so that the user can modify the permission parameters of the product to be modified.

[0123] In an example, Figure 7 As shown, a schematic diagram of a product authority configuration page is provided, wherein the product parameter input area includes an institution, a product identifier, and a credit channel input area, and the authority parameters obtained by querying the product parameters are displayed in a table on the product authority configuration page.

[0124] In this embodiment, by providing a visual product permission configuration page and an input area for product parameters, the corresponding permission parameters are queried and displayed based on the input product parameters, which can more intuitively display the permission parameters of the product at each life cycle stage under each transaction channel, thereby improving the flexibility of the business system.

[0125] In one embodiment, Figure 8 As shown, a data processing method for a product is also provided, comprising:

[0126] Step S802, obtaining product parameters, transaction channels, and multiple life cycle stages corresponding to the product.

[0127] Step S804, obtaining the operation authority of each life cycle stage corresponding to the product in the transaction channel, and obtaining the authority parameters corresponding to the product.

[0128] Step S806, establishing an association relationship between product parameters and authority parameters of the product to obtain a product authority control model.

[0129] Specifically, the server obtains the product parameters configured by the user for the product, the transaction channels, and the operation permissions of multiple life cycle stages corresponding to the product, establishes an association between the product parameters and the permission parameters (including the transaction channels and the operation permissions of multiple life cycle stages corresponding to the product), and generates a product permission control model. The generation method of the product permission control model can be implemented with reference to the method provided in the above embodiment, and will not be elaborated here.

[0130] Step S808, obtaining a data processing request from the client for the product to be processed, the data processing request carries product parameters, target life cycle stage, and transaction channel.

[0131] Step S810, according to the product parameters, target life cycle stage and transaction channel of the product to be processed, query from the product permission model to obtain the operation permission for the target life cycle stage of the product to be processed under the transaction channel.

[0132] Step S812, determining the product data of the target life cycle stage according to the operation authority of the target life cycle stage, and returning the product data to the client.

[0133] Specifically, the server obtains the data processing request of the client for the product to be processed, and queries the product permission model to obtain the operation permission of the target life cycle stage of the product to be processed under the transaction channel according to the product parameters, target life cycle stage and transaction channel of the product to be processed carried in the data processing request. When the server determines that the target life cycle stage has the operation permission, it obtains the product data of the target life cycle stage of the product to be processed under the transaction channel and returns the product data to the client; when the server determines that the target life cycle stage does not have the operation permission, it does not obtain the data of the target life cycle stage.

[0134] In one example, the data processing request for the pending product may be a request to display the user's mortgage loan on the loan list interface of a shopping platform. The server obtains the client's display request for the pending product, and queries the product permission model for the operation permission of the pending product on the shopping platform channel during the display phase of the pending product based on the product parameters of the pending product and a shopping platform channel. When the server determines that the pending product has the operation permission during the display phase on the shopping platform channel, it returns the product data of the pending product to the client and displays the user's mortgage loan on the loan list interface of a shopping platform.

[0135] In this embodiment, a product permission control model is obtained by establishing an association between product parameters and permission parameters of a product. According to the product parameters, target life cycle stage and transaction channel of the product to be processed carried in the data processing request, the operation permission for the target life cycle stage of the product to be processed under the transaction channel is queried from the product permission model. According to the operation permission for the target life cycle stage of the product to be processed, the product data of the product to be processed at the target life cycle stage is determined, and the product data is returned to the client. The parameterized representation of each life cycle stage of the product can realize fine-grained management of each life cycle stage of the product, reduce the hard coding and redundant code of the system, and use the product permission model to query the server for the operation permission of the target life cycle stage of the product to be processed. The required target life cycle stage operation permission can be directly queried without obtaining the operation permission for the entire life cycle of the product, thereby improving the efficiency of system processing, reducing the cost of development and operation, and ensuring the security and stability of the system.

[0136] It should be understood that, although the various steps in the above flowchart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a part of the steps in the above flowchart may include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0137] Based on the description of the data processing method embodiment of the product described above, the present disclosure also provides a data processing device for the product. The device may include a system (including a distributed system), software (application), module, component, server, client, etc. using the method described in the embodiment of this specification and a device combined with necessary implementation hardware. Based on the same innovative concept, the device in one or more embodiments provided by the embodiment of the present disclosure is as described in the following embodiments. Since the implementation scheme and method for solving the problem of the device are similar, the implementation of the specific device of the embodiment of this specification can refer to the implementation of the aforementioned method, and the repetitions will not be repeated. As used below, the term "unit" or "module" can implement a combination of software and / or hardware of predetermined functions. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0138] In one embodiment, Fig. 9As shown, a product data processing device 900 is provided, comprising: a request acquisition module 902, a model acquisition module 904, a permission query module 906 and a data return module 908, wherein:

[0139] The request acquisition module 902 is used to obtain a data processing request from a client for a product to be processed. The data processing request carries product parameters of the product to be processed and a target life cycle stage of the product to be processed.

[0140] The model acquisition module 904 is used to acquire a product permission model. The product permission model includes the association between product parameters and permission parameters. The permission parameters include the operation permissions for each life cycle stage of the product.

[0141] The authority query module 906 is used to query the product authority model to obtain the operation authority for the target life cycle stage of the product to be processed according to the product parameters and the target life cycle stage of the product to be processed.

[0142] The data return module 908 is used to determine the product data of the product to be processed at the target life cycle stage according to the operation authority of the target life cycle stage of the product to be processed, and return the product data to the client.

[0143] In one embodiment, the data processing request also carries a transaction channel, and the permission parameters in the product permission model include the operating permissions for each life cycle stage of the product under each transaction channel. The permission query module 906 is also used to: query the operating permissions for the target life cycle stage of the product to be processed under the transaction channel from the product permission model based on the product parameters, target life cycle stage and transaction channel of the product to be processed.

[0144] In one embodiment, the model acquisition module 904 includes: a parameter acquisition unit, which is used to acquire product parameters of the product and multiple life cycle stages corresponding to the product, where the multiple life cycle stages are obtained by dividing the life cycle of the product; a permission acquisition unit, which is used to acquire the operation permissions of each life cycle stage corresponding to the product, and obtain the permission parameters corresponding to the product; and a relationship establishment unit, which is used to establish an association between the product parameters and the permission parameters of the product, and obtain a product permission model.

[0145] In one embodiment, the multiple life cycle stages corresponding to the product are life cycle stages having an interactive action relationship with the user account.

[0146] In one embodiment, the data processing device 900 of the product also includes: a page display module, which is used to display a product permission configuration page, display product parameters and permission parameters corresponding to the product parameters in the product permission configuration page; a parameter modification module, which is used to obtain new operation permissions in response to the modification operation of the operation permissions in the permission parameters; and a model update module, which is used to update the product permission model according to the new operation permissions.

[0147] In one embodiment, the page display module includes: an input area display unit, used to display a product permission configuration page, and display a product parameter input area in the product permission configuration page; an input area receiving unit, used to receive product parameters of the product to be modified through the product parameter input area; a permission parameter query unit, used to query and obtain permission parameters corresponding to the product parameters in the product permission model based on the product parameters of the product to be modified; and a permission parameter display unit, used to display the product parameters and the permission parameters corresponding to the product parameters in the product permission configuration page.

[0148] In one embodiment, the product parameters include a product identification, and at least one of an institution identification and a trusted channel identification.

[0149] The specific definition of the data processing device of the product can be found in the definition of the data processing method of the product above, which will not be repeated here. Each module in the data processing device of the above product can be implemented in whole or in part by software, hardware and a combination thereof. The above modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0150] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Fig.10As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a data processing method for a product is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covered on the display screen, or a key, trackball or touchpad set on the computer device housing, or an external keyboard, touchpad or mouse, etc.

[0151] Those skilled in the art will understand that Fig.10 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0152] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above method embodiments when executing the computer program.

[0153] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0154] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0155] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0156] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be construed as limiting the scope of the invention patent. For a person of ordinary skill in the art, several variations and improvements may be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present patent application shall be subject to the attached claims.

Claims

1. A data processing method for a product, It is characterized in that The method comprises: Obtaining a data processing request from a client for a product to be processed, the data processing request carrying product parameters of the product to be processed and a target life cycle stage of the product to be processed, the product parameters including a product identifier and at least one of an institution identifier and a credit channel identifier, the target life cycle stage being used to indicate the life cycle stage currently being processed by the client; Acquire a product permission model, wherein the product permission model includes an association relationship between product parameters and permission parameters, wherein the permission parameters include operation permissions for each life cycle stage of the product; According to the product parameters of the product to be processed and the target life cycle stage, querying from the product permission model to obtain the operation permission for the target life cycle stage; According to the operation authority of the target life cycle stage, the product data of the product to be processed at the target life cycle stage is determined, and the product data is returned to the client.

2. The method according to claim 1, It is characterized in that The data processing request also carries a transaction channel; the permission parameters in the product permission model include the operation permissions for each life cycle stage of the product under each transaction channel; The querying and obtaining the operation authority for the target life cycle stage from the product authority model according to the product parameters of the product to be processed and the target life cycle stage includes: According to the product parameters of the product to be processed, the target life cycle stage and the transaction channel, the operation authority for the target life cycle stage under the transaction channel is queried from the product authority model.

3. The method according to claim 1, It is characterized in that The method for generating the product permission model includes: Acquire product parameters of a product and a plurality of life cycle stages corresponding to the product, wherein the plurality of life cycle stages are obtained by dividing the life cycle of the product; Obtaining the operation authority of each life cycle stage corresponding to the product, and obtaining the authority parameters corresponding to the product; An association relationship between the product parameters and the permission parameters of the product is established to obtain the product permission model.

4. The method according to claim 3, It is characterized in that The multiple life cycle stages corresponding to the product are life cycle stages that have an interactive action relationship with the user account.

5. The method according to claim 3, It is characterized in that The method further comprises: Displaying a product permission configuration page, displaying product parameters and permission parameters corresponding to the product parameters on the product permission configuration page; In response to a modification operation on the operation permission in the permission parameter, obtaining a new operation permission; The product permission model is updated according to the new operation permission.

6. The method according to claim 5, It is characterized in that The display product permission configuration page displays product parameters and permission parameters corresponding to the product parameters on the product permission configuration page, including: Displaying the product permission configuration page, and displaying a product parameter input area in the product permission configuration page; Receiving product parameters of the product to be modified through the product parameter input area; According to the product parameters of the product to be modified, querying in the product permission model to obtain the permission parameters corresponding to the product parameters; The product parameters and the permission parameters corresponding to the product parameters are displayed on the product permission configuration page.

7. A data processing device for a product, It is characterized in that The device comprises: A request acquisition module, used to acquire a data processing request from a client for a product to be processed, wherein the data processing request carries product parameters of the product to be processed and a target life cycle stage of the product to be processed, wherein the product parameters include a product identifier and at least one of an institution identifier and a credit channel identifier, and the target life cycle stage is used to indicate the life cycle stage currently being processed by the client; A model acquisition module, used to acquire a product permission model, wherein the product permission model includes an association relationship between product parameters and permission parameters, wherein the permission parameters include operation permissions for each life cycle stage of the product; A permission query module, used to query and obtain the operation permission for the target life cycle stage from the product permission model according to the product parameters of the product to be processed and the target life cycle stage; A data return module is used to determine the product data of the product to be processed at the target life cycle stage according to the operation authority of the target life cycle stage, and return the product data to the client.

8. The device according to claim 7, It is characterized in that The data processing request also carries a transaction channel; the permission parameters in the product permission model include the operation permissions for each life cycle stage of the product under each transaction channel; The authority query module is also used to: According to the product parameters of the product to be processed, the target life cycle stage and the transaction channel, the operation authority for the target life cycle stage under the transaction channel is queried from the product authority model.

9. The device according to claim 7, It is characterized in that The model acquisition module includes: A parameter acquisition unit, used to acquire product parameters of a product and a plurality of life cycle stages corresponding to the product, wherein the plurality of life cycle stages are obtained by dividing the life cycle of the product; The permission acquisition unit is used to acquire the operation permissions of each life cycle stage corresponding to the product and obtain the permission parameters corresponding to the product; The relationship establishing unit is used to establish the association relationship between the product parameters and the permission parameters of the product to obtain the product permission model.

10. The device according to claim 9, It is characterized in that The multiple life cycle stages corresponding to the product are life cycle stages that have an interactive action relationship with the user account.

11. The device according to claim 9, It is characterized in that The device also includes: A page display module, used to display a product permission configuration page, display product parameters and permission parameters corresponding to the product parameters on the product permission configuration page; A parameter modification module, used for obtaining new operation permissions in response to a modification operation on the operation permissions in the permission parameters; The model update module is used to update the product permission model according to the new operation permissions.

12. The device according to claim 11, It is characterized in that The page display module includes: An input area display unit, used to display a product authority configuration page, and to display a product parameter input area in the product authority configuration page; An input area receiving unit, used to receive product parameters of the product to be modified through the product parameter input area; The permission parameter query unit is used to query the permission parameters corresponding to the product parameters in the product permission model according to the product parameters of the product to be modified; The permission parameter display unit is used to display product parameters and permission parameters corresponding to the product parameters in the product permission configuration page.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program. It is characterized in that When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, It is characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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