Credit business data processing method, device, equipment and medium

Abstract

The present application provides a method, device, equipment and medium for processing credit business data. In this method, when the business system generates credit business data corresponding to the credit business, the credit business data is stored in a credit business data set, and then the credit business data set is sent to the credit system at regular intervals. The credit system stores the credit business data in the credit business data set into a credit business data table, and then processes each credit business data in turn. It is determined whether the credit business unique identifier in the credit business data is in the processed business table. If it is not in the processed business table, the credit business data is processed to obtain a credit result. This solution sends the credit business data set at regular intervals through the business system, and then the credit system processes the credit business data that is not in the processed business table. When the credit business volume is large, it effectively reduces network congestion and improves the stability of the credit system.

Description

Technical Field

[0001] The present application relates to the field of big data, and in particular to a method, device, equipment and medium for processing credit business data. Background Art

[0002] A credit line refers to a bank's stock management indicator for credit services granted to customers. When granting credit, the credit balance must be determined based on the credit line. The balance is then combined with the business indicators to determine whether the credit service is permitted.

[0003] In the prior art, when a business system performs a credit granting operation, it generates corresponding credit granting operation data, which is then sent to the credit granting system in real time. The credit granting system determines whether credit granting can be performed based on the credit granting operation data. Once the determination is made that credit granting can be performed, the credit granting system performs the credit granting process based on the credit granting operation data and other stored credit-related data.

[0004] In summary, the existing credit business data processing method sends credit business data to the credit system in real time when the business system performs credit business. When the credit business volume is large, it will cause network congestion, which in turn leads to low stability of the credit system. Summary of the Invention

[0005] The embodiments of the present application provide a credit business data processing method, device, equipment and medium, which are used to solve the problem that the existing credit business data processing method sends credit business data to the credit system in real time when the business system performs credit business. When the credit business volume is large, it will cause network congestion, which in turn leads to low stability of the credit system.

[0006] In a first aspect, an embodiment of the present application provides a credit business data processing method, which is applied to a business system, and the method includes:

[0007] When generating credit business data corresponding to a credit business, storing the credit business data in a credit business data set, wherein the credit business data includes a unique identifier of the credit business;

[0008] The credit business data set is sent to the credit system at regular intervals.

[0009] In a specific embodiment, the periodically sending the credit service data set to the credit system includes:

[0010] The credit business data set is sent to the credit system regularly through a data transmission platform. The data transmission platform is a platform for data transmission between different systems and is based on a message middleware architecture.

[0011] In a specific embodiment, when generating the credit business data corresponding to the credit business, after storing the credit business data in the credit business data set, the method further includes:

[0012] If the type of the credit business is a credit business of occupied credit limit, the credit business data is sent to the credit system.

[0013] In a second aspect, an embodiment of the present application provides a credit business data processing method, which is applied to a credit system, and the method includes:

[0014] Receiving a credit business data set sent by a business system, and storing the credit business data in the credit business data set into a credit business data table, wherein the credit business data in the credit business data set includes a credit business unique identifier;

[0015] For each piece of credit business data in the credit business data table, determining in turn whether the credit business unique identifier in the credit business data is in the processed business table;

[0016] If it is determined that the credit business unique identifier in the credit business data is not in the processed business table, credit processing is performed on the credit business data to obtain a credit result.

[0017] In a specific embodiment, the method further comprises:

[0018] If the unique identifier of the credit business in the credit business data is in the processed business table, the credit business data is discarded.

[0019] In a specific embodiment, the method further comprises:

[0020] When the credit processing is completed for all the credit business data in the credit business data table, the credit business data table is cleared.

[0021] In a specific embodiment, the method further comprises:

[0022] Receiving credit business data sent by the credit system, where the type of credit business corresponding to the credit business data is a credit business of occupied credit limit;

[0023] Performing credit processing on the credit business data to obtain a credit result;

[0024] The unique identifier of the credit business in the credit business data is stored in the processed business table.

[0025] In a third aspect, an embodiment of the present application provides a credit service data processing device, comprising:

[0026] A storage module, configured to store the credit business data corresponding to the credit business in a credit business data set when generating the credit business data, wherein the credit business data includes a unique credit business identifier;

[0027] The sending module is used to send the credit business data set to the credit system at regular intervals.

[0028] In a fourth aspect, an embodiment of the present application provides a credit service data processing device, including:

[0029] A receiving module, configured to receive a credit business data set sent by a business system, and store the credit business data in the credit business data set into a credit business data table, wherein the credit business data in the credit business data set includes a unique credit business identifier;

[0030] Processing module for:

[0031] For each piece of credit business data in the credit business data table, determining in turn whether the credit business unique identifier in the credit business data is in the processed business table;

[0032] If it is determined that the credit business unique identifier in the credit business data is not in the processed business table, credit processing is performed on the credit business data to obtain a credit result.

[0033] In a fifth aspect, an embodiment of the present application provides an electronic device, including:

[0034] Processor, memory, communication interface;

[0035] The memory is used to store executable instructions of the processor;

[0036] Wherein, the processor is configured to execute the credit business data processing method described in any one of the first aspects by executing the executable instructions.

[0037] In a sixth aspect, an embodiment of the present application provides an electronic device, including:

[0038] Processor, memory, communication interface;

[0039] The memory is used to store executable instructions of the processor;

[0040] Wherein, the processor is configured to execute the credit business data processing method described in any one of the second aspects by executing the executable instructions.

[0041] In the seventh aspect, an embodiment of the present application provides a readable storage medium on which a computer program is stored. When the computer program is executed by a processor, it implements the credit business data processing method described in any one of the first aspects, or implements the credit business data processing method described in any one of the second aspects.

[0042] In an eighth aspect, an embodiment of the present application provides a computer program product, comprising a computer program, which, when executed by a processor, is used to implement the credit business data processing method described in any one of the first aspects, or to implement the credit business data processing method described in any one of the second aspects.

[0043] The credit business data processing method, device, equipment and medium provided in the embodiments of the present application, when the business system generates credit business data corresponding to the credit business, stores the credit business data in the credit business data set, and then sends the credit business data set to the credit system at regular intervals. The credit system stores the credit business data in the credit business data set into the credit business data table, and then processes each credit business data in turn. It is determined whether the credit business unique identifier in the credit business data is in the processed business table. If it is not in the processed business table, the credit business data is credit processed to obtain a credit result. This solution sends the credit business data set at regular intervals through the business system, and then the credit system performs credit processing on the credit business data that is not in the processed business table. When the credit business volume is large, it effectively reduces network congestion and improves the stability of the credit system. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, a brief introduction will be given below to the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0045] Figure 1 A flowchart of the credit granting business in the prior art provided for this application;

[0046] Figure 2a A flowchart of the first embodiment of the credit business data processing method provided in this application;

[0047] Figure 2b The credit granting flow chart of the credit granting system provided for this application;

[0048] Figure 3 A flowchart of Example 2 of the credit business data processing method provided in this application;

[0049] Figure 4This is a schematic diagram of the structure of the first embodiment of the credit business data processing device provided by this application;

[0050] Figure 5 This is a schematic diagram of the structure of the second embodiment of the credit business data processing device provided by this application;

[0051] Figure 6 A schematic diagram of the structure of an electronic device provided in this application Figure 1 ;

[0052] Figure 7 This is a second structural diagram of an electronic device provided in this application. DETAILED DESCRIPTION

[0053] To make the purpose, technical solutions, and advantages of the embodiments of the present application more clear, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments made by ordinary technicians in this field based on the inspiration of these embodiments fall within the scope of protection of this application.

[0054] The terms "first", "second", "third", "fourth", etc. (if any) in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the numbers used in this way are interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0055] With the advancement of technology and improvements in people's living standards, the volume of credit granting in business systems is increasing. In existing technologies, when a business system performs a credit granting operation, it generates corresponding credit granting data and then sends this data to the credit granting system in real time. The credit granting system then processes the credit granting based on the credit granting data and other stored credit-related data.

[0056] For example, Figure 1 This is a credit business flow chart in the prior art provided by this application. Figure 1As shown, when the business system generates a credit business, it sends the credit business data to the credit system. After receiving the credit business data, the credit system performs credit processing on the credit business data, obtains the credit result, and then returns the authorization result to the business system.

[0057] When the credit business volume is large, the business system sends the credit business data to the credit system in real time, which will cause network congestion and lead to low stability of the credit system.

[0058] In response to the problems existing in the prior art, the inventors discovered during their research on the credit business data processing method that in order to reduce network congestion and improve the stability of the credit system, the business system stores the credit business data in a credit business data set when generating the credit business data corresponding to the credit business, and then sends the credit business data set to the credit system at regular intervals. In addition, when the business system determines that the type of credit business is a credit business of occupied credit limit, it sends the credit business data to the credit system. When the credit system receives the credit business data, it performs credit processing on it and stores the credit business unique identifier in the credit business data into the processed business table. After receiving the credit business data set, the credit system performs credit processing on the credit business data in which the credit business unique identifier is not in the processed business table, which effectively reduces network congestion and improves the stability of the authorization system. Based on the above-mentioned inventive concept, the credit business data processing scheme in this application is designed.

[0059] The device running the business system and credit system in this application can be a server, or it can be a computer, terminal device, etc., and this application does not limit it.

[0060] The following describes the application scenarios of credit business data processing provided by this application.

[0061] For example, in this application scenario, multiple users log in to the business system to handle credit services, and the types of credit services handled include credit services of occupied credit lines and credit services of released credit lines.

[0062] The business system generates credit business data corresponding to the credit business and stores it in a credit business data set. If the credit business is determined to be a credit business that occupies a certain limit, the credit business data is sent to the credit system. The credit business data set also needs to be sent to the credit system on a regular basis.

[0063] When the credit system receives credit business data, it performs credit processing on it and then stores the credit business unique identifier in the credit business data in the processed business table. After receiving a credit business data set, the credit system stores the credit business data in the credit business data set in the credit business data table, and then processes the credit business data in the credit business data table in sequence, determining whether the credit business unique identifier in the credit business data is in the processed business table. If the credit business unique identifier is not in the processed business table, credit processing is performed on the credit business data.

[0064] It should be noted that the above scenario is only an example of an application scenario provided by an embodiment of the present application. The embodiment of the present application does not limit the actual form of the various devices included in the scenario, nor does it limit the interaction method between the devices. In the specific application of the solution, it can be set according to actual needs.

[0065] The technical solution of the present application is described in detail below through specific embodiments. It should be noted that the following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments.

[0066] Figure 2a This is a flowchart illustrating a first embodiment of the credit business data processing method provided herein. When a business system generates credit business data corresponding to a credit business, this embodiment stores the credit business data and periodically sends credit business data sets to the credit system. This illustrates the case where the credit system processes credit business data whose unique credit business identifier is not in the processed business table. The method in this embodiment can be implemented using software, hardware, or a combination of software and hardware.

[0067] like Figure 2a As shown, the credit business data processing method specifically includes the following steps:

[0068] S201: When the business system generates credit business data corresponding to the credit business, the business system stores the credit business data in a credit business data set.

[0069] In this step, when the user logs in to the business system to handle the credit business, the business system will generate credit business data corresponding to the credit business, and then store the credit business data in a credit business data set, so that the credit business data set including multiple credit business data can be sent to the credit system later. The credit business data includes a unique credit business identifier.

[0070] A trigger may be installed in the business system to trigger the storage of the credit business data of the credit business into the credit business data set when the credit business data corresponding to the credit business is generated.

[0071] S202: The business system sends the credit business data set to the credit system at regular intervals.

[0072] In this step, in order to reduce network congestion, after the business system stores the credit business data in the credit business data set, it will periodically send the credit business data set to the credit system.

[0073] S203: After receiving the credit business data set sent by the business system, the credit system stores the credit business data in the credit business data set into the credit business data table.

[0074] In this step, after the business system sends the credit business data set to the credit system at regular intervals, the credit system can receive the credit business data set and then store the credit business data in the credit business data set into the credit business data table in order to improve data processing efficiency.

[0075] S204: The credit system determines, for each piece of credit business data in the credit business data table, whether the credit business unique identifier in the credit business data is in the processed business table.

[0076] In this step, after the credit system stores the credit business data in the credit business data set into the credit business data table, it processes each piece of credit business data in the credit business data table in turn. First, it determines whether the credit business unique identifier in the credit business data is in the processed business table. The processed business table stores the credit business unique identifiers of credit business data that has undergone credit processing. Therefore, by determining whether the credit business unique identifier in the credit business data is in the processed business table, it can be determined whether the credit business data has been credit processed. This ensures that each piece of credit business data can be credit processed and reduces the data leakage rate.

[0077] Optionally, after the credit system stores the credit business data in the credit business data set into the credit business data table, it may also periodically determine whether the credit business unique identifier in the credit business data is in the processed business table.

[0078] S205: If the credit granting system determines that the credit granting business unique identifier in the credit granting business data is not in the processed business table, it performs credit granting processing on the credit granting business data to obtain a credit granting result.

[0079] In this step, if the credit system determines that the unique credit business identifier in the credit business data is not in the processed business table, it means that the credit business data has not been processed. Then, the credit system processes the credit business data and obtains a credit result. The credit result can also be returned to the business system for further processing.

[0080] In addition, if the credit business unique identifier in the credit business data is in the processed business table, it means that the credit business data has already been processed and the credit business data is discarded. When the credit processing is completed for all credit business data in the credit business data table, the credit business data table is cleared so that the credit system can store the credit business data in the credit business data table the next time it receives a credit business data set.

[0081] For example, Figure 2b The credit flow chart of the credit system provided for this application is as follows: Figure 2b As shown, after the credit system determines that the unique credit business identifier in the credit business data is in the processed business table, it performs a validity check on the credit business data. Since the credit business data also includes information such as the credit business type, business indicators, and user ID, it can determine whether the credit business type contains abnormal characters and determine whether the credit business type can be processed based on the user ID. If the validity check fails, the credit business data is discarded. If the validity check passes, information about the credit business that the user has processed is obtained based on the user ID, including the occupied indicator value and credit limit of the credit business that has been processed.

[0082] Then determine whether the type of the credit business of the credit business data is a credit limit release type credit business. If the type of the credit business of the credit business data is a credit limit release type credit business, update the occupied indicator value corresponding to the credit business data according to the business indicators in the credit business data, generate the credit result and update the log.

[0083] If the credit business type in the credit business data is a credit business with a credit limit, calculate the total occupied index value and then determine whether the sum of the occupied total index value and the business indicators in the credit business data is less than or equal to the credit limit. If the sum of the occupied total index value and the business indicators in the credit business data is less than or equal to the credit limit, it means that the credit business can be processed, and then update the occupied index value corresponding to the credit business data, generate a credit result, and update the log. If the sum of the occupied total index value and the business indicators in the credit business data is greater than the credit limit, it means that the credit business cannot be processed, and then generate a credit result and update the log.

[0084] It should be noted that the above example is only an illustration of the credit process of the credit system. The embodiment of this application does not limit the legality verification, credit business data, update log, etc., which can be determined according to actual conditions.

[0085] The credit business data processing method provided in this embodiment stores the credit business data corresponding to the credit business in a credit business data set when the business system generates a credit business, and then sends the credit business data set to the credit system on a regular basis. The credit system stores the credit business data in the credit business data set in a credit business data table, processes each credit business data in the credit business data table in turn, and performs credit processing on the credit business data whose unique credit business identifier is not in the processed business table to obtain a credit result. Compared with the prior art, when the credit business volume is large, the business system sends the credit business data to the credit system in real time. This solution does not need to send each credit business data in real time, but stores the credit business data, and then sends the stored credit business data on a regular basis, effectively reducing network congestion and improving the stability of the credit system.

[0086] Figure 3 The flowchart of the second embodiment of the credit business data processing method provided in this application is as follows: Figure 3 As shown, based on the above embodiment, the embodiment of the present application describes the situation where, when the business system determines that the type of credit business is a credit business of occupied credit limit, the credit business data is sent to the credit system in real time, the credit system performs credit processing on the credit business data, and stores the credit business unique identifier in the credit business data in the processed business table. The credit business data processing method specifically includes the following steps:

[0087] S301: If the business system determines that the type of the credit business is a credit business of occupied credit limit, the credit business data is sent to the credit system.

[0088] In this step, after generating the credit business data corresponding to the credit business, the business system also determines whether the credit business type is a credit business that occupies a certain limit. If the credit business type is a credit business that occupies a certain limit, the credit business data corresponding to the credit business needs to be processed in real time and sent to the credit system.

[0089] S302: After receiving the credit business data sent by the credit system, the credit system performs credit processing on the credit business data to obtain a credit result.

[0090] In this step, after the business system sends the credit business data to the credit system, the credit system can receive the credit business data. Since the type of credit business corresponding to the received credit business data is a credit business of occupied credit limit, it means that real-time credit processing is required, so the credit business data is processed to obtain the credit result.

[0091] S303: The credit granting system stores the credit granting business unique identifier in the credit granting business data into the processed business table.

[0092] In this step, after the credit system obtains the credit result, since the credit system receives the credit business data set sent by the business system, the set includes the credit business data set that has been processed for credit. Therefore, in order for the business system to only process the credit business data that has not been processed for credit, it is necessary to store the credit business unique identifier in the credit business data sent by the business system into the processed business table.

[0093] Optionally, the credit granting system may also send the credit granting result to the business system.

[0094] In the credit service data processing method provided in this embodiment, when the business system determines that a credit service is a credit service that occupies a credit limit, the business data is sent to the credit system. The credit system performs credit processing and stores the unique credit service identifier in the credit service data in the processed service table. This ensures that credit processing is performed on credit service data that occupies a credit limit in real time, ensuring the normal operation of the credit system and the business system. Furthermore, only credit service data corresponding to credit service data that occupies a credit limit is sent in real time, reducing network congestion. Storing the unique credit service identifier in the credit service data in the processed service table ensures that the credit system does not perform repeated credit processing on the same credit service data.

[0095] The following describes the situation in which the business system provided in this application sends the credit business data set to the credit system through the data transmission platform.

[0096] After the business system stores the credit business data of the credit business in the credit business data set, it can send the credit business data set to the credit system through the data transmission platform when the scheduled time is reached. The data transmission platform is based on the message middleware architecture and is used for data transmission between different systems.

[0097] Optionally, the credit service data set may be sent to the credit system via a message queue.

[0098] The credit business data processing method provided in this embodiment sends the credit business data set to the credit system through a data transmission platform based on the message middleware architecture, decouples the business system from the credit system, and improves the stability of the business system and the credit system.

[0099] The following are device embodiments of the present application, which can be used to implement the method embodiments of the present application. For details not disclosed in the device embodiments of the present application, please refer to the method embodiments of the present application.

[0100] Figure 4 This is a structural diagram of the first embodiment of the credit service data processing device provided by this application. Figure 4 As shown, the credit service data processing device 40 includes:

[0101] The storage module 41 is configured to store the credit business data corresponding to the credit business into a credit business data set when generating the credit business data, wherein the credit business data includes a unique credit business identifier;

[0102] The sending module 42 is used to send the credit service data set to the credit system at regular intervals.

[0103] Furthermore, the sending module 42 is specifically configured to:

[0104] The credit business data set is sent to the credit system regularly through a data transmission platform. The data transmission platform is a platform for data transmission between different systems and is based on a message middleware architecture.

[0105] Furthermore, the sending module 42 is further configured to:

[0106] If the type of the credit business is a credit business of occupied credit limit, the credit business data is sent to the credit system.

[0107] The credit business data processing device provided in this embodiment is used to execute the technical solution of the business system in any of the aforementioned method embodiments. Its implementation principles and technical effects are similar and will not be repeated here.

[0108] Figure 5 This is a structural diagram of the second embodiment of the credit business data processing device provided by this application; Figure 5 As shown, the credit service data processing device 50 includes:

[0109] A receiving module 51 is configured to receive a credit business data set sent by a business system and store the credit business data in the credit business data set into a credit business data table, wherein the credit business data in the credit business data set includes a credit business unique identifier;

[0110] The processing module 52 is configured to:

[0111] For each piece of credit business data in the credit business data table, determining in turn whether the credit business unique identifier in the credit business data is in the processed business table;

[0112] If it is determined that the credit business unique identifier in the credit business data is not in the processed business table, credit processing is performed on the credit business data to obtain a credit result.

[0113] Furthermore, the processing module 52 is further configured to discard the credit business data if the credit business unique identifier in the credit business data is in the processed business table.

[0114] Furthermore, the processing module 52 is further configured to clear the credit business data table when credit processing is completed for all credit business data in the credit business data table.

[0115] Furthermore, the receiving module 51 is further configured to:

[0116] Receive credit business data sent by the credit system, where the type of credit business corresponding to the credit business data is a credit business of occupied credit limit.

[0117] Furthermore, the processing module 52 is further configured to:

[0118] Performing credit processing on the credit business data to obtain a credit result;

[0119] The unique identifier of the credit business in the credit business data is stored in the processed business table.

[0120] The credit business data processing device provided in this embodiment is used to execute the technical solution of the credit system in any of the aforementioned method embodiments. Its implementation principles and technical effects are similar and will not be repeated here.

[0121] Figure 6 A schematic diagram of the structure of an electronic device provided in this application Figure 1 .like Figure 6 As shown, the electronic device 60 includes:

[0122] Processor 61, memory 62, and communication interface 63;

[0123] The memory 62 is used to store executable instructions of the processor 61;

[0124] The processor 61 is configured to execute the technical solution of the business system in any of the aforementioned method embodiments by executing the executable instructions.

[0125] Optionally, the memory 62 can be independent or integrated with the processor 61.

[0126] Optionally, when the memory 62 is a device independent of the processor 61, the electronic device 60 may further include:

[0127] The bus 64 , the memory 62 and the communication interface 63 are connected to the processor 61 via the bus 64 and communicate with each other. The communication interface 63 is used to communicate with other devices.

[0128] Optionally, the communication interface 63 may be implemented using a transceiver. The communication interface is used to enable communication between the database access device and other devices (e.g., a client, a read-write library, and a read-only library). The memory may include random access memory (RAM) and may also include non-volatile memory (non-volatile memory), such as at least one disk storage device.

[0129] Bus 64 may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. Buses can be categorized as address buses, data buses, and control buses. For ease of illustration, the figure shows only one thick line, but this does not imply that there is only one bus or only one type of bus.

[0130] The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, and discrete hardware components.

[0131] The electronic device is used to execute the technical solution of the business system in any of the aforementioned method embodiments. Its implementation principles and technical effects are similar and will not be repeated here.

[0132] Figure 7 This is a structural diagram of an electronic device provided in this application. Figure 7 As shown, the electronic device 70 includes:

[0133] Processor 71, memory 72, and communication interface 73;

[0134] The memory 72 is used to store executable instructions of the processor 71;

[0135] The processor 71 is configured to execute the technical solution of the credit system in any of the aforementioned method embodiments by executing the executable instructions.

[0136] Optionally, the memory 72 can be independent or integrated with the processor 71.

[0137] Optionally, when the memory 72 is a device independent of the processor 71, the electronic device 70 may further include:

[0138] The bus 74 , the memory 72 and the communication interface 73 are connected to the processor 71 via the bus 74 and communicate with each other. The communication interface 73 is used to communicate with other devices.

[0139] Optionally, the communication interface 73 may be implemented using a transceiver. The communication interface is used to enable communication between the database access device and other devices (e.g., a client, a read-write library, and a read-only library). The memory may include random access memory (RAM) and may also include non-volatile memory (non-volatile memory), such as at least one disk storage device.

[0140] Bus 74 may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. Buses can be categorized as address buses, data buses, control buses, and the like. For ease of illustration, the figure shows only one thick line, but this does not imply that there is only one bus or only one type of bus.

[0141] The above-mentioned processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, and discrete hardware components.

[0142] The electronic device is used to execute the technical solution of the credit system in any of the above-mentioned method embodiments. Its implementation principle and technical effects are similar and will not be repeated here.

[0143] An embodiment of the present application further provides a readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the technical solution provided by any of the aforementioned method embodiments.

[0144] An embodiment of the present application also provides a computer program product, including a computer program, which, when executed by a processor, is used to implement the technical solution provided by any of the aforementioned method embodiments.

[0145] Those skilled in the art will appreciate that all or part of the steps in the above-described method embodiments can be implemented using hardware associated with program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments. The aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0146] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A credit business data processing method, characterized in that: Applied to a business system, wherein a trigger is installed in the business system, the method includes: When generating credit business data corresponding to the credit business, triggering the trigger, and storing the credit business data in the credit business data set; If the type of the credit business is a credit business of occupied credit limit, the credit business data is sent to the credit system in real time, so that the credit system performs credit processing on the credit business data, and stores the credit business unique identifier in the credit business data in the processed business table, wherein the processed business table stores the credit business unique identifier of the credit business data that has been processed; The credit business data set is sent to the credit system at regular intervals, so that the credit system stores the credit business data in the credit business data set into a credit business data table; the credit system determines, for each piece of credit business data in the credit business data table, whether the credit business unique identifier in the credit business data is in the processed business table; if it is determined that the credit business unique identifier in the credit business data is not in the processed business table, performing credit processing on the credit business data; and when the credit system completes credit processing for all credit business data in the credit business data table, clearing the credit business data table; If the credit system determines that the unique identifier of the credit business in the credit business data is in the processed business table, the credit system will perform a legitimacy check on the credit business data; if the legitimacy check passes, the information of the credit business that the user has handled is obtained based on the user identifier; based on the business indicators in the credit business data, the occupied indicator value corresponding to the credit business data is updated to generate a credit result.

2. The method according to claim 1, characterized in that The step of regularly sending the credit service data set to the credit system includes: The credit business data set is sent to the credit system regularly through a data transmission platform. The data transmission platform is a platform for data transmission between different systems and is based on a message middleware architecture.

3. A credit business data processing method, characterized in that: Applied to a credit granting system, the method includes: If the type of the credit business is a credit business of occupied credit limit, the credit business data sent in real time by the receiving business system is processed, and the unique credit business identifier in the credit business data is stored in the processed business table. The unique credit business identifier of the credit business data that has been processed is stored in the processed business table. receiving a credit business data set sent periodically by a business system, and storing the credit business data in the credit business data set into a credit business data table, wherein a trigger is installed in the business system, and when the business system generates credit business data corresponding to a credit business, the trigger triggers the storage of the credit business data of the credit business into the credit business data set, and the credit business data in the credit business data set includes a unique identifier of the credit business; For each piece of credit business data in the credit business data table, determining in turn whether the credit business unique identifier in the credit business data is in the processed business table; If it is determined that the credit business unique identifier in the credit business data is not in the processed business table, performing credit processing on the credit business data to obtain a credit result; If it is determined that the unique credit business identifier in the credit business data is in the processed business table, the credit business data is subjected to a validity check; if the validity check passes, information about the credit business that the user has processed is obtained based on the user identifier; based on the business indicators in the credit business data, the occupied indicator value corresponding to the credit business data is updated to generate a credit result; The method further includes: clearing the credit business data table when credit processing is completed for all credit business data in the credit business data table.

4. The method according to claim 3, characterized in that The method further comprises: If the unique identifier of the credit business in the credit business data is in the processed business table, the credit business data is discarded.

5. A credit business data processing device, characterized in that: include: A storage module, configured to trigger a trigger installed in the business system when generating credit business data corresponding to a credit business, and store the credit business data of the credit business in a credit business data set; a sending module configured to, if the type of the credit business is a credit business of occupied credit limit, send the credit business data to the credit system in real time, so that the credit system performs credit processing on the credit business data, and store the credit business unique identifier in the credit business data in a processed business table, wherein the processed business table stores the credit business unique identifier of the credit business data that has undergone credit processing; The sending module is also used to periodically send the credit business data set to the credit system, so that the credit system stores the credit business data in the credit business data set into the credit business data table; and for each credit business data in the credit business data table, determine in turn whether the credit business unique identifier in the credit business data is in the processed business table; if it is determined that the credit business unique identifier in the credit business data is not in the processed business table, perform credit processing on the credit business data; and when the credit system completes credit processing for all credit business data in the credit business data table, clear the credit business data table; if the credit system determines that the credit business unique identifier in the credit business data is in the processed business table, the credit system performs a legitimacy check on the credit business data; if the legitimacy check passes, obtain information on the credit business that the user has handled based on the user identifier; based on the business indicators in the credit business data, update the occupied indicator value corresponding to the credit business data to generate a credit result.

6. A credit business data processing device, characterized in that: include: a receiving module, configured to receive a credit business data set periodically sent by a business system if the type of the credit business is a credit business of a credit limit, wherein a trigger is installed in the business system, and when the business system generates credit business data corresponding to the credit business, the trigger triggers the storage of the credit business data of the credit business in the credit business data set, and the credit business data in the credit business data set includes a unique identifier of the credit business; a processing module, configured to perform credit processing on the credit business data and store the credit business unique identifier in the credit business data into a processed business table, wherein the processed business table stores the credit business unique identifier of the credit business data that has undergone credit processing; The receiving module is further configured to receive a credit business data set sent periodically by the business system, and store the credit business data in the credit business data set into a credit business data table; The processing module is further configured to determine, for each piece of credit business data in the credit business data table, whether the credit business unique identifier in the credit business data is in the processed business table; If it is determined that the credit business unique identifier in the credit business data is not in the processed business table, performing credit processing on the credit business data to obtain a credit result; If it is determined that the unique credit business identifier in the credit business data is in the processed business table, the credit business data is subjected to a validity check; if the validity check passes, information about the credit business that the user has processed is obtained based on the user identifier; based on the business indicators in the credit business data, the occupied indicator value corresponding to the credit business data is updated to generate a credit result; The processing module is further configured to clear the credit business data table when credit processing is completed for all credit business data in the credit business data table.

7. An electronic device, characterized in that: include: Processor, memory, communication interface; The memory is used to store executable instructions of the processor; Wherein, the processor is configured to execute the credit business data processing method described in claim 1 or 2 by executing the executable instructions.

8. An electronic device, characterized in that: include: Processor, memory, communication interface; The memory is used to store executable instructions of the processor; Wherein, the processor is configured to execute the credit business data processing method described in claim 3 or 4 by executing the executable instructions.

9. A readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, it implements the credit business data processing method described in claim 1 or 2, or implements the credit business data processing method described in claim 3 or 4.

10. A computer program product, characterized in that It includes a computer program, which, when executed by a processor, is used to implement the credit business data processing method described in claim 1 or 2, or to implement the credit business data processing method described in claim 3 or 4.

Images