Data processing method, apparatus, device, medium, and program product

Abstract

The application provides a data processing method, device, equipment, medium and program product. The application obtains transaction data sent by multiple transaction channels using corresponding transmission methods, determines an account entry request according to the transaction data, judges whether to perform transaction data adjustment processing according to an account entry time of the transaction data and a transaction time corresponding to the transaction data, determines adjusted transaction data according to business information corresponding to a transaction account in the account entry request, the account entry time and the transaction time, and corrects each attribute value corresponding to the transaction account in a database of an account entry system according to the adjusted transaction data. The technical problem of low efficiency of data processing relying on manual work is solved. The technical effects of automatically performing interest and fee backtracking when the account is entered, avoiding user complaints, reducing cost, improving efficiency and reducing error rate are achieved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more particularly to a data processing method, apparatus, device, medium, and program product. Background Technology

[0002] With the continuous development of fintech, many financial products have established online business channels. For example, users can apply for and repay loans through mobile devices.

[0003] Currently, when users conduct online transactions, such as repaying financial products, their transaction channel (e.g., the debit institution) and the accounting institution corresponding to the financial product may not be the same financial institution. This necessitates the transaction channel, such as the debit institution, sending daily reconciliation data to the accounting institution so that the accounting institution can record the repayment information. However, if the debit institution's server experiences an anomaly and is unable to send reconciliation data on the same day, it can result in the user having made timely repayments, but the accounting institution not receiving the reconciliation data. This leads to overcharges for late payments and even additional late payment credit penalties. If users discover such situations, they will complain to the accounting institution, which seriously affects their impression of financial institutions and their experience using financial products.

[0004] Furthermore, accounting agencies need to manually adjust and correct the aforementioned transaction data, such as manually reviewing interest and fees to clear overdue penalties and credit punishment records. However, existing data processing methods that rely on manual intervention suffer from inefficiency. Summary of the Invention

[0005] This application provides a data processing method, apparatus, device, medium, and program product to solve the technical problem of low efficiency in data processing that relies on manual labor.

[0006] Firstly, this application provides a data processing method applied to an accounting system, comprising:

[0007] Acquire transaction data sent by multiple transaction channels using corresponding transmission methods, determine the inbound request based on the transaction data, and the inbound request includes the inbound time of the corresponding transaction data and the transaction time corresponding to the transaction data;

[0008] Determine whether to adjust the transaction data based on the transaction data's entry time and the corresponding transaction time.

[0009] If transaction data adjustment is required, the adjusted transaction data will be determined based on the business information corresponding to the transaction account, the posting time, and the transaction time in the posting request.

[0010] The attribute values ​​of the transaction accounts in the accounting system's database are corrected based on the adjusted transaction data.

[0011] In one possible design, the transmission method includes: a first transmission method and a second transmission method. The first transmission method includes: transmitting the reconciliation file for a preset transaction period at a preset settlement time. The second transmission method includes: transmitting real-time transaction notifications through a real-time transaction interface. Correspondingly, the transaction data includes: the reconciliation file and / or the real-time transaction notification.

[0012] Obtaining transaction data sent from multiple transaction channels using corresponding transmission methods includes:

[0013] Obtain reconciliation files sent via a first transmission method and / or real-time transaction notifications sent via a second transmission method from multiple transaction channels.

[0014] In one possible design, when a transaction channel simultaneously uses both a first transmission method and a second transmission method to transmit transaction data, the receipt request is determined based on the transaction data, including:

[0015] The reconciliation file and multiple real-time transaction notifications for preset transaction periods are compared to determine the transaction data to be credited. The crediting request includes the transaction data to be credited.

[0016] In one possible design, the decision to adjust the transaction data is made based on the transaction data's posting time and the corresponding transaction time, including:

[0017] Based on business information and the time of receipt, determine whether the attribute values ​​corresponding to the transaction account are correct;

[0018] If at least one attribute value is incorrect, then the corresponding at least one attribute to be corrected and its corresponding correction value shall be determined based on the posting time and transaction time.

[0019] In one possible design, the attributes to be corrected among the attribute values ​​include: overdue processing information. Based on the posting time and transaction time, at least one attribute to be corrected and its corresponding correction value are determined, including:

[0020] Determine whether the first time period corresponding to the crediting time is greater than the second time period corresponding to the transaction time;

[0021] If so, the preset correction model is used to determine the overdue processing information and its corresponding correction value based on the first time period and the second time period.

[0022] In one possible design, the overdue processing information includes: an overdue additional transaction value, and the overdue processing information and its corresponding correction value are determined using a preset correction model based on the first time period and the second time period.

[0023] The difference between the first and second time periods is input into a preset correction model to obtain the correction value corresponding to the overdue additional transaction value.

[0024] In one possible design, the overdue processing information includes: overdue record information; and, using a preset correction model, determining the overdue processing information and its corresponding correction value based on a first time period and a second time period, including:

[0025] Determine whether the second time period exceeds the preset transaction time corresponding to the business information;

[0026] If so, then determine whether the conditions for recording overdue information are met based on the second time period and the preset transaction time;

[0027] If not, the corresponding deletion record will be determined based on the recording conditions, and the correction value includes the deletion record.

[0028] In one possible design, before determining the correctness of the various attribute values ​​corresponding to the transaction account based on business information and the posting time, the following steps are also included:

[0029] Based on the product type in the business information, determine whether the correction processing flag corresponding to the product type is in a correctable state;

[0030] If so, then determine whether there are any attributes to be corrected in the transaction account based on the business information and the time of receipt.

[0031] Secondly, this application provides a data processing apparatus, comprising:

[0032] The acquisition module is used to acquire transaction data sent by multiple transaction channels using corresponding transmission methods;

[0033] Processing module, used for:

[0034] The posting request is determined based on the transaction data. The posting request includes the posting time of the corresponding transaction data and the transaction time corresponding to the transaction data.

[0035] Determine whether to adjust the transaction data based on the transaction data's entry time and the corresponding transaction time.

[0036] If so, the adjusted transaction data is determined based on the business information corresponding to the transaction account, the posting time, and the transaction time in the posting request;

[0037] The attribute values ​​of the transaction accounts in the accounting system's database are corrected based on the adjusted transaction data.

[0038] Thirdly, this application provides an electronic device, comprising:

[0039] Memory, used to store program instructions;

[0040] The processor is configured to invoke and execute program instructions in the memory, performing any of the possible data processing methods provided in the first aspect.

[0041] Fourthly, this application provides a storage medium in which a computer program is stored, the computer program being used to execute any of the possible data processing methods provided in the first aspect.

[0042] Fifthly, this application also provides a computer program product, including a computer program that, when executed by a processor, implements any of the possible data processing methods provided in the first aspect.

[0043] This application provides a data processing method, apparatus, device, medium, and program product. It first acquires transaction data sent from multiple transaction channels using corresponding transmission methods. Based on the transaction data, it determines an invoice request, which includes the invoice time and the corresponding transaction time. Then, to address transmission anomalies in different transmission methods, such as delayed invoices due to late delivery of transaction data, the invoice system automatically determines whether to adjust the transaction data based on the invoice time and the corresponding transaction time. Specifically, it checks if the invoice time and transaction time are within the same invoice period. If they are not, i.e., the invoice time is later than the transaction time, errors will occur in the transaction data recorded by the invoice system, such as over-calculated overdue fees or overdue credit records. In this case, the transaction data needs to be adjusted to obtain the adjusted transaction data. Based on the adjusted transaction data, the system corrects the attribute values ​​of the corresponding transaction account in the invoice system's database, such as over-calculated overdue interest and / or overdue credit records. The entire process is fully automated and requires no manual intervention, solving the technical problem of low efficiency in data processing relying on manual intervention. This technology achieves the goal of automatically adjusting transaction data upon receipt of funds, which avoids user complaints, reduces costs, improves efficiency, and lowers the error rate. Attached Figure Description

[0044] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0045] Figure 1 This is a schematic diagram illustrating an application scenario of a data processing method provided in an embodiment of this application;

[0046] Figure 2 A flowchart illustrating a data processing method provided in this application;

[0047] Figure 3 A flowchart illustrating another data processing method provided for the implementation of this application;

[0048] Figure 4 This is a schematic diagram of the structure of a data processing device provided in an embodiment of this application;

[0049] Figure 5 This is a schematic diagram of the structure of an electronic device provided in this application.

[0050] The accompanying drawings have illustrated specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to specific embodiments. Detailed Implementation

[0051] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort, including but not limited to combinations of multiple embodiments, are within the scope of protection of this application.

[0052] The terms “first,” “second,” “third,” “fourth,” etc. (if present) in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a particular order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented, for example, in orders other than those illustrated or described herein. Furthermore, the terms “comprising” and “having,” and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0053] The following is an explanation of the technical terms used in this application:

[0054] Interest and Fee Retrospective: When companies and institutions holding consumer finance licenses cooperate with loan products from asset referral providers, the repayment date deduction and the loan information accounting institution are not the same. This can lead to situations where the repayment transaction notification to the loan accounting institution spans multiple days. In such cases, the loan accounting institution should consider waiving the interest and fees for the extra day or multiple days. This operation is called interest and fee retrospective.

[0055] With the continuous development of fintech, many financial products have established online business channels. For example, users can apply for and repay loans through mobile devices.

[0056] Currently, when a user makes a repayment, the debit institution and the accounting institution corresponding to the financial product may not be the same financial institution. This necessitates the debit institution sending daily reconciliation data to the accounting institution so that the accounting institution can record the repayment information.

[0057] This process presents several problems: Different payment channels may delay customer payments, leading to overdue fees, customer complaints, and credit score irregularities. Incorrect transaction data is recorded in user accounts, requiring manual verification and adjustment after receiving complaints. This inefficient approach, triggered by user complaints, negatively impacts user experience with the payment institution's products or services. Therefore, relying on manual data processing presents inherent technical inefficiencies.

[0058] To solve the above problems, the inventive concept of this application is as follows:

[0059] In addition to sending reconciliation files at the end of each preset transaction period, such as the end of each day, the debit institution adds a real-time transaction interface to establish a real-time transaction data transmission channel. This ensures that most transaction data is credited promptly upon deduction. However, the inventors of this application have found that although the real-time transaction interface can reduce delayed crediting, it cannot eliminate delayed crediting caused by problems with the real-time transaction interface itself, or by delays caused by a service interruption of the debit institution's entire service system. Therefore, this application also adds a data processing procedure before crediting, constructing a widely applicable data processing method based on the overdue penalty rules corresponding to each business.

[0060] Figure 1 This is a schematic diagram illustrating an application scenario for a data processing method provided in this application. For example... Figure 1 As shown, each user made a repayment through their respective user terminal 10, and the corresponding transaction channel 20 executed the deduction transaction. Then, through the transaction channel 20 (e.g., the deduction institution) and the accounting institution's accounting system 30, transaction data was sent to the accounting system 30 via a pre-agreed transmission method. The transmission method includes a first transmission method and a second transmission method. The first transmission method includes transmitting a reconciliation file for a preset transaction period at a preset settlement time. The second transmission method includes transmitting a real-time transaction notification through a real-time transaction interface. Correspondingly, the transaction data includes the reconciliation file and the real-time transaction notification. After receiving the transaction data, the accounting system 30 generates an invoice request and performs the corresponding interest and fee retrospective process.

[0061] The data processing method provided in this application is described in detail below:

[0062] Figure 2 This is a flowchart illustrating a data processing method provided in an embodiment of this application. Figure 2 As shown, the specific steps of this data processing method include:

[0063] S201. Obtain transaction data sent by multiple transaction channels using corresponding transmission methods, and determine the payment request based on the transaction data.

[0064] In this step, the posting request includes the posting time of the corresponding transaction data and the transaction time corresponding to the transaction data. The transaction time is the time it takes for a transaction channel, such as a debit institution, to process the transaction request received from a user, such as loan repayment processing. The posting time is the time it takes for the posting institution's posting system to record the transaction data sent by a transaction channel into the transaction account in its database.

[0065] In this step, the transmission method of the transaction channel includes at least one of a first transmission method and a second transmission method. The first transmission method includes transmitting the reconciliation file for the preset transaction period at the preset settlement time. The second transmission method includes transmitting real-time transaction notifications through the real-time transaction interface. Correspondingly, the transaction data includes the reconciliation file and / or the real-time transaction notification.

[0066] When a transaction channel, such as a payment institution, sends a reconciliation file to the accounting institution using the first transmission method, the transaction data consists of multiple payment records involving one or more transaction accounts within the reconciliation file, with each payment record corresponding to a financial product. Then, based on each payment record, a corresponding inflow request is created for each transaction account.

[0067] When a transaction channel, such as a payment institution, sends a real-time transaction notification to the accounting institution using a second transmission method, the transaction data is a single payment record for a transaction account within the real-time transaction notification. Simultaneously, the payment institution sends this payment record to the accounting institution when making the payment. Upon receiving the real-time payment record, the accounting institution immediately generates a posting request for the corresponding transaction account based on that record.

[0068] When a transaction channel, such as a debit institution, simultaneously transmits transaction data using both a first transmission method and a second transmission method, this step includes: obtaining reconciliation files sent by multiple transaction channels using the first transmission method and / or real-time transaction notifications sent using the second transmission method. Determining the payment request based on the transaction data includes: comparing the reconciliation files and multiple real-time transaction notifications for a preset transaction period, removing already-paid transaction data, and determining the transaction data to be paid; and determining the payment request based on the transaction data to be paid.

[0069] S202. Based on the transaction data's recording time and the corresponding transaction time, determine whether to perform transaction data adjustment processing.

[0070] In this step, transaction data adjustment processing includes: retrospective processing of overdue interest and fees incurred due to late repayments, i.e., eliminating over-calculated overdue interest and fees from the user's account. If transaction data adjustment processing is required, S203 will be executed; otherwise, the posting process will proceed directly.

[0071] Specifically, if the transaction period corresponding to the billing time is later than the transaction channel, such as the debit institution, and the transaction period corresponding to the debit time, then transaction data adjustment processing is required, such as interest and fee retrospective processing. The transaction period refers to a specific service or product, such as a financial product. It should be noted that the time unit for calculating interest and fees includes: day, week, month, year, etc.

[0072] S203. Based on the business information, posting time, and transaction time of the transaction account in the posting request, determine the adjusted transaction data.

[0073] In this step, business information includes: product information, such as financial product information. Adjusted transaction data includes: hedging backtesting data corresponding to the elimination of overdue interest or overdue credit penalty records.

[0074] In this embodiment, the difference between the billing time and the transaction time, along with the final repayment date in the financial product information, determines the overpaid interest and / or additional credit penalty records, forming the hedging retrospective data. This data includes: correction data to offset the overpaid overdue interest and fees, and elimination records to offset overdue credit violation records, etc. After processing the transaction data with the hedging retrospective data, adjusted transaction data is obtained. In summary, the hedging retrospective data is used to eliminate overpaid interest and fees, as well as additional credit penalty records.

[0075] S204. Correct the attribute values ​​of the transaction accounts in the accounting system database based on the adjusted transaction data.

[0076] In this step, the attribute values ​​include: overdue additional transaction value and / or overdue record information.

[0077] In this embodiment, the interest and fee information and / or credit records corresponding to the transaction accounts in the accounting institution's accounting system database are corrected based on the hedging backtracking data. That is, the various attribute values ​​corresponding to the transaction accounts include: overdue additional transaction value and / or overdue record information, wherein the overdue additional transaction value includes: interest and fee information generated by overdue, and the overdue record information includes: credit records.

[0078] It should be noted that the interest and fees incurred due to overdue payments include two aspects: one is the general interest before the final repayment date, and the other is the overdue penalty interest incurred after the final repayment date. Credit records include at least one of the following: overdue credit penalty records, credit score records, credit default indicators, etc.

[0079] For different financial products (i.e. different businesses), some financial products only incur overdue penalty interest after the final repayment date, while others immediately record overdue default records or deduct corresponding credit scores after the final repayment date, and still others not only calculate overdue penalty interest but also record overdue default records after the final repayment date.

[0080] Therefore, the types of content corrected by hedging data may vary for different financial products. The functions of hedging data include: deleting over-calculated overdue penalties or overdue interest, and / or removing overdue default records or restoring the corresponding credit score, etc.

[0081] This application provides a data processing method. First, it acquires transaction data sent from multiple transaction channels using corresponding transmission methods. Based on this data, it determines an invoice request, which includes the invoice time and the corresponding transaction time. Then, to address transmission anomalies caused by different transmission methods, such as delayed invoices due to late delivery of transaction data, the invoice system automatically determines whether to adjust the transaction data based on the invoice time and the corresponding transaction time. Specifically, it checks if the invoice time and transaction time are within the same invoice period. If they are not, meaning the invoice time is later than the transaction time, errors will occur in the recorded transaction data, such as over-calculated overdue fees or overdue credit records. In this case, the transaction data needs to be adjusted to obtain the adjusted data. Based on the adjusted data, the system corrects the attribute values ​​of the transaction account in the invoice system's database, such as over-calculated overdue interest and / or overdue credit records. The entire process is fully automated and requires no manual intervention, solving the technical problem of low efficiency in data processing reliant on manual intervention. This technology achieves the goal of automatically adjusting transaction data upon receipt of funds, which avoids user complaints, reduces costs, improves efficiency, and lowers the error rate.

[0082] Figure 3 A flowchart illustrating another data processing method provided for the implementation of this application. (e.g.) Figure 3 As shown, the specific steps of this data processing method include:

[0083] S301. Obtain transaction data sent by multiple transaction channels using corresponding transmission methods.

[0084] In this embodiment, transaction data sent by multiple transaction channels, such as multiple payment institutions, is obtained according to a first transmission method and a second transmission method. The first transmission method includes transmitting a reconciliation file for a preset transaction period at a preset settlement time. The second transmission method includes transmitting real-time transaction notifications through a real-time transaction interface. Correspondingly, the transaction data includes the reconciliation file and the real-time transaction notification.

[0085] This embodiment achieves accurate transmission and accounting of transaction data through an interactive mode of real-time transaction interface + reconciliation file.

[0086] S302. Compare the reconciliation file with multiple real-time transaction notifications for the preset transaction period to determine the transaction data to be credited.

[0087] In this embodiment, after removing the transaction data that has already been credited from the transaction data, the corresponding transaction data to be credited is obtained; the transaction data to be credited is included in the crediting request, that is, the transaction data to be credited is written into the crediting request according to the preset format requirements.

[0088] In this step, in order to avoid duplicate operations caused by already entered real-time transaction data when entering transaction data from the reconciliation file, which would reduce system processing efficiency, it is necessary to remove the already entered transaction data.

[0089] S303. Based on business information and the time of receipt, determine whether the attribute values ​​corresponding to the transaction account are correct.

[0090] In this step, if at least one attribute value is incorrect, the corresponding at least one attribute to be corrected and its corresponding correction value are determined based on the posting time and transaction time, i.e., S304 is executed; otherwise, the posting process is executed.

[0091] In this embodiment, based on the posting time corresponding to the posting request and the transaction time corresponding to the transaction data, it is determined whether to perform interest and fee retrospective processing for overdue repayment caused by overdue payment.

[0092] Specifically, if the first trading session corresponding to the crediting time, such as the first trading day, is later than the second trading session to which the trading time belongs, such as the second trading day, then it is determined that interest and fees need to be retroactively processed.

[0093] S304. Based on the product type in the business information, determine whether the correction processing identifier corresponding to the product type is in a correctable state.

[0094] In this embodiment, the business information includes multiple businesses involved in the transaction account, and each business corresponds to a product, such as a financial product. Financial products include loan products, and correspondingly, the correction processing identifier includes a retrospective processing identifier. Based on the product type in the financial product information, such as the loan type, it is determined whether the retrospective processing identifier corresponding to the product type is in a correctable state.

[0095] It should be noted that the correction processing flag is equivalent to a control switch for the correction function. Only when it is in a correctable state can subsequent adjustments or corrections to the transaction data be performed.

[0096] In this step, if yes, execute S305; otherwise, execute the accounting process.

[0097] It should be noted that in this embodiment, parameterized factory management of interest and fee collection rules at the loan product level is implemented for different loan products to address differentiated interest and fee collection and construct a universal interest and fee retrospective processing flow for different loan products. Because some loan products can activate an exemption penalty mechanism at a certain period, a retrospective processing flag is needed to confirm whether retrospective processing is required to avoid wasting computational resources due to repeated operations.

[0098] S305. Based on business information and posting time, determine whether there are any attributes to be corrected in the transaction account.

[0099] In this step, business information includes relevant information about the financial product, such as the latest repayment time or transaction deadline corresponding to the financial product, also known as the preset transaction time. Attributes to be corrected include: overdue processing information, including: overdue interest and / or overdue credit penalty records. If so, execute S306; otherwise, execute the posting process.

[0100] The purpose of this step is to ensure that although the posting time is later than the transaction time, it has not exceeded the time limit and has not generated extra interest and fees. This eliminates the need to perform interest and fee rollback, reduces the consumption of computing resources, improves processing efficiency, and lowers processing costs.

[0101] S306. Determine whether the first time period corresponding to the crediting time is greater than the second time period corresponding to the transaction time.

[0102] In this step, if yes, then execute S307; otherwise, execute the accounting process.

[0103] S307. Using a preset correction model, determine the overdue processing information and its corresponding correction value based on the first time period and the second time period.

[0104] In this step, the overdue processing information includes at least one of the following: overdue additional transaction value and overdue record. The overdue additional transaction value includes overdue interest and fees, and the overdue record includes overdue credit penalty record.

[0105] Determine the adjustment value for the overdue additional transaction value, including:

[0106] The difference between the first and second time periods is input into a preset correction model to obtain the correction value corresponding to the overdue additional transaction value.

[0107] Optionally, before inputting the difference between the first time period and the second time period into the preset correction model to obtain the correction value corresponding to the overdue additional transaction value, the method further includes: determining whether the preset correction model is empty; if not, inputting the difference between the first time period and the second time period into the preset correction model to obtain the correction value corresponding to the overdue additional transaction value.

[0108] Determining the correction value for overdue records, i.e., deleting the records, includes:

[0109] Determine whether the second time period exceeds the preset transaction time corresponding to the business information; if so, determine whether the recording conditions for overdue record information are met based on the second time period and the preset time; if not, determine the deletion record corresponding to the overdue record information based on the recording conditions, and at this time, the correction value includes the deletion record.

[0110] In this embodiment, the preset correction model includes a preset backtracking algorithm. Based on the first time period, the second time period, and the preset backtracking algorithm, overdue interest and / or overdue credit penalty records are determined.

[0111] Determining overdue interest and fees includes: checking if the preset backtracking algorithm is empty; if not, inputting the interval difference between the first time period and the second time period into the preset backtracking algorithm to calculate the overdue interest and fees.

[0112] Determine overdue credit penalty records, including:

[0113] Determine whether the second time period exceeds the latest settlement time for financial product information;

[0114] If so, then determine whether the conditions for recording overdue credit penalty records are met based on the second time period and the latest settlement time.

[0115] If not, then the hedging backtracking data includes the elimination record, which is used to remove overdue credit penalty records.

[0116] S308. Determine the adjusted transaction data based on the correction values ​​of each attribute to be corrected.

[0117] In this embodiment, the hedging retrospective data is determined based on overdue interest and / or overdue credit penalty records.

[0118] S309. Correct the attribute values ​​of the transaction accounts in the accounting system database based on the adjusted transaction data.

[0119] In this step, the attribute values ​​include: overdue additional transaction value and / or overdue record information. Overdue additional transaction value includes overdue interest and fees, and may even result in negative credit records, if the payment is made after the latest repayment time stipulated by the financial product corresponding to the business information, such as a loan product, i.e., the preset transaction time. Overdue record information includes these negative credit records.

[0120] In this embodiment, the overdue interest and / or bad credit records corresponding to the transaction accounts in the accounting institution's database are corrected based on the hedging backtracking data.

[0121] Figure 4 This is a schematic diagram of a data processing device provided in an embodiment of this application. The data processing device 400 can be implemented through software, hardware, or a combination of both.

[0122] like Figure 4 As shown, the data processing device 400 includes:

[0123] The acquisition module 401 is used to acquire transaction data sent by multiple transaction channels using corresponding transmission methods, and determine the payment request based on the transaction data. The payment request includes the payment time of the corresponding transaction data and the transaction time corresponding to the transaction data.

[0124] Processing module 402 is used for:

[0125] Determine whether to adjust the transaction data based on the transaction data's entry time and the corresponding transaction time.

[0126] If so, the adjusted transaction data is determined based on the business information corresponding to the transaction account, the posting time, and the transaction time in the posting request;

[0127] The attribute values ​​corresponding to the transaction accounts in the accounting system's database are corrected based on the adjusted transaction data. These attribute values ​​include: overdue additional transaction value and / or overdue record information.

[0128] In one possible design, the transmission method includes: a first transmission method and a second transmission method. The first transmission method includes: transmitting the reconciliation file for a preset transaction period at a preset settlement time. The second transmission method includes: transmitting real-time transaction notifications through a real-time transaction interface. Correspondingly, the transaction data includes: the reconciliation file and the real-time transaction notification.

[0129] Correspondingly, acquiring transaction data sent from multiple transaction channels using corresponding transmission methods includes:

[0130] Obtain reconciliation files sent via a first transmission method and / or real-time transaction notifications sent via a second transmission method from multiple transaction channels.

[0131] In one possible design, when a transaction channel, such as a payment institution, transmits transaction data using both a first transmission method and a second transmission method simultaneously, the processing module 402 is used to:

[0132] The reconciliation file and multiple real-time transaction notifications for the preset transaction period are compared. The already credited transaction data is removed, and the transaction data to be credited is determined. The crediting request includes the transaction data to be credited.

[0133] For example, the reconciliation file and multiple real-time transaction notifications for a preset transaction period are compared to remove already credited transaction data and determine the transaction data to be credited.

[0134] Determine the posting request based on the pending transaction data.

[0135] In one possible design, processing module 402 is used for:

[0136] Based on business information and the time of receipt, determine whether the attribute values ​​corresponding to the transaction account are correct;

[0137] If at least one of the attribute values ​​is incorrect, then at least one attribute to be corrected and its corresponding correction value shall be determined based on the posting time and the transaction time.

[0138] For example, based on the financial product information and the posting time in the business information, determine whether the transaction account has overdue interest and / or overdue credit penalty records; if so, determine the hedging retrospective data based on the posting time and transaction time.

[0139] In one possible design, processing module 402 is also used for:

[0140] Determine whether the first time period corresponding to the crediting time is greater than the second time period corresponding to the transaction time;

[0141] If so, the preset correction model is used to determine the overdue processing information and its corresponding correction value based on the first time period and the second time period.

[0142] For example, based on the first time period, the second time period, and the preset backtracking algorithm, overdue interest and / or overdue credit penalty records are determined; and hedging backtracking data is determined based on the overdue interest and / or overdue credit penalty records.

[0143] In one possible design, processing module 402 is also used for:

[0144] The difference between the first and second time periods is input into a preset correction model to obtain the correction value corresponding to the overdue additional transaction value. This difference is then used to calculate overdue interest and fees using a preset backtracking algorithm.

[0145] In one possible design, processing module 402 is also used for:

[0146] Determine whether the second time period exceeds the preset transaction time corresponding to the business information;

[0147] If so, then based on the second time period and the preset transaction time, determine whether the conditions for recording overdue record information are met, such as the conditions for recording overdue credit penalty records.

[0148] If not, then the corresponding deletion record is determined based on the recording conditions, and the correction value includes the deletion record. For example, determining that the offset retrospective data includes deletion records, the function of deletion records includes: removing overdue credit penalty records.

[0149] In one possible design, processing module 402 is also used for:

[0150] Based on the product type in the business information, determine whether the correction processing identifier corresponding to the product type, such as the backtracking processing identifier, is in a correctable state.

[0151] If so, then based on the product information and the posting time, determine whether the transaction account has any attributes that need to be corrected, such as overdue interest and / or overdue credit penalty records.

[0152] Optionally, the products corresponding to the product information include: financial products, and financial products include: loan products.

[0153] It is worth noting that, Figure 4 The apparatus provided in the illustrated embodiments can execute the methods provided in any of the above method embodiments. Their specific implementation principles, technical features, explanations of technical terms, and technical effects are similar and will not be repeated here.

[0154] Figure 5 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Figure 5 As shown, the electronic device 500 may include at least one processor 501 and a memory 502. Figure 5 The example shown is an electronic device using a processor.

[0155] The memory 502 is used to store programs. Specifically, the program may include program code, which includes computer operation instructions.

[0156] The memory 502 may include high-speed RAM memory, and may also include non-volatile memory, such as at least one disk storage device.

[0157] The processor 501 is used to execute computer execution instructions stored in the memory 502 to implement the methods described in the above embodiments.

[0158] The processor 501 may be a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of this application.

[0159] Optionally, the memory 502 can be either standalone or integrated with the processor 501. When the memory 502 is a device independent of the processor 501, the electronic device 500 may further include:

[0160] Bus 503 is used to connect the processor 501 and the memory 502. The bus can be an industry standard architecture (ISA) bus, a peripheral component (PCI) bus, or an extended industry standard architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc., but this does not mean there is only one bus or one type of bus.

[0161] Optionally, in a specific implementation, if the memory 502 and the processor 501 are integrated on a single chip, the memory 502 and the processor 501 can communicate through an internal interface.

[0162] This application also provides a computer-readable storage medium, which may include various media capable of storing program code, such as a USB flash drive, a portable hard drive, a read-only memory (ROM), a random access memory (RAM), a disk, or an optical disk. Specifically, the computer-readable storage medium stores program instructions, which are used in the methods described in the above-mentioned method embodiments.

[0163] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the methods described in the above-described method embodiments.

[0164] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the claims.

[0165] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A data processing method, characterized in that, Applied to accounting systems, including: Transaction data sent by multiple transaction channels using corresponding transmission methods is obtained, and an inflow request is determined based on the transaction data. The inflow request includes the inflow time corresponding to the transaction data and the transaction time corresponding to the transaction data. Based on the transaction data's recording time and the corresponding transaction time, determine whether to perform transaction data adjustment processing; If transaction data adjustment processing is performed, the adjusted transaction data is determined based on the business information corresponding to the transaction account in the payment request, the payment time, and the transaction time; The adjusted transaction data is used to correct the attribute values ​​of the transaction account in the database of the accounting system. The attribute values ​​include: overdue additional transaction value and / or overdue record information.

2. The data processing method according to claim 1, characterized in that, The transmission method includes a first transmission method and a second transmission method. The first transmission method includes transmitting a reconciliation file for a preset transaction period at a preset settlement time. The second transmission method includes transmitting real-time transaction notifications through a real-time transaction interface. The transaction data includes the reconciliation file and / or the real-time transaction notifications. The acquisition of transaction data sent by multiple transaction channels using corresponding transmission methods includes: Obtain reconciliation files sent via the first transmission method and / or real-time transaction notifications sent via the second transmission method from multiple transaction channels.

3. The data processing method according to claim 2, characterized in that, When the transaction channel simultaneously uses both the first transmission method and the second transmission method to transmit the transaction data, the step of determining the payment request based on the transaction data includes: The reconciliation file and multiple real-time transaction notifications for the preset transaction period are compared to determine the transaction data to be credited, and the crediting request includes the transaction data to be credited.

4. The data processing method according to claim 1, characterized in that, The step of determining whether to perform transaction data adjustment processing based on the transaction data's posting time and the corresponding transaction time includes: Based on the business information and the payment time, determine whether the attribute values ​​corresponding to the transaction account are correct; If at least one of the attribute values ​​is incorrect, then based on the accounting time and the transaction time, at least one attribute to be corrected and its corresponding correction value are determined.

5. The data processing method according to claim 4, characterized in that, The attributes to be corrected among the attribute values ​​include: overdue processing information. The process of determining at least one attribute to be corrected and its corresponding correction value based on the crediting time and the transaction time includes: Determine whether the first time period corresponding to the crediting time is greater than the second time period corresponding to the transaction time; If so, then using a preset correction model, the overdue processing information and its corresponding correction value are determined based on the first time period and the second time period.

6. The data processing method according to claim 5, characterized in that, The overdue processing information includes: the overdue additional transaction value; the determination of the overdue processing information and its corresponding correction value using a preset correction model based on the first time period and the second time period includes: The difference between the first time period and the second time period is input into the preset correction model to obtain the correction value corresponding to the overdue additional transaction value.

7. The data processing method according to claim 5, characterized in that, The overdue processing information includes: the overdue record information; the step of determining the overdue processing information and its corresponding correction value based on the first time period and the second time period using a preset correction model includes: Determine whether the second time period exceeds the preset transaction time corresponding to the business information; If so, then based on the second time period and the preset transaction time, determine whether the recording conditions for the overdue record information are met; If not, then the deletion record corresponding to the overdue record information is determined according to the recording conditions, and the correction value includes the deletion record.

8. The data processing method according to claim 4, characterized in that, Before determining whether the attribute values ​​corresponding to the transaction account are correct based on the business information and the posting time, the method further includes: Based on the product type in the business information, determine whether the correction processing identifier corresponding to the product type is in a correctable state; If so, then based on the business information and the crediting time, determine whether there are any attributes to be corrected in the transaction account.

9. A data processing apparatus, characterized in that, include: The acquisition module is used to acquire transaction data sent by multiple transaction channels using corresponding transmission methods, and determine an invoice request based on the transaction data. The invoice request includes the invoice time corresponding to the transaction data and the transaction time corresponding to the transaction data. Processing module, used for: Based on the transaction data's recording time and the corresponding transaction time, determine whether to perform transaction data adjustment processing; If transaction data adjustment processing is performed, the adjusted transaction data is determined based on the business information corresponding to the transaction account in the payment request, the payment time, and the transaction time; The adjusted transaction data is used to correct the attribute values ​​of the transaction accounts in the accounting system's database. These attribute values ​​include: overdue additional transaction value and / or overdue record information.

10. An electronic device, characterized in that, include: processor; as well as, Memory for storing the computer program of the processor; The processor is configured to perform the data processing method according to any one of claims 1 to 8 by executing the computer program.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the data processing method according to any one of claims 1 to 8.

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