Data processing method and terminal equipment

Abstract

The present invention is applicable to the field of computer application technology, and provides a data processing method, a terminal device and a computer-readable storage medium, including: selecting data in first data as second data, combining the second data to generate a data packet, and generating a recommended installment processing method for the data packet at the same time, receiving a batch processing request generated by a user terminal according to the recommended installment processing method, and finally performing installment processing on the data in the data packet according to the batch processing request, thereby avoiding the more cumbersome data processing flow when the first data to be processed is processed separately, improving the efficiency of data processing, and saving the cost of data processing.

Description

Technical Field

[0001] The present invention belongs to the field of computer application technology, and in particular relates to a data processing method, a terminal device and a computer-readable storage medium. Background Art

[0002] In many current applications, a data account often generates a variety of different data to be processed at different times, and the data types and data phase processing methods of these data may be different. In the process of processing data, when there are many copies of data in a data account, the existing technology often processes each copy of the data. This method not only increases the data processing flow under a data account and reduces the efficiency of data processing, but also causes great trouble to users and easily causes confusion. Therefore, in the existing technology, when there are multiple copies of data in a data account, its phased processing method is cumbersome and the processing efficiency is low. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a data processing method, a terminal device and a computer-readable storage medium to solve the problem that the prior art has a cumbersome phased processing method and low processing efficiency when processing multiple copies of data in a data account.

[0004] A first aspect of an embodiment of the present invention provides a data processing method, including:

[0005] Acquire data information of a plurality of first data in a target account; wherein the first data is used to represent unprocessed data in the target account; the data information includes an installment processing method and a processing time limit for each data in the first data;

[0006] According to the data information and a preset data screening strategy, selecting a plurality of second data to be combined and processed from the first data;

[0007] Combining the plurality of second data into a data packet, generating a recommended instalment processing method for the data packet according to the instalment processing method and processing time limit of the second data, and sending the data packet and the recommended instalment processing method to the user terminal of the target account;

[0008] Receive a batch processing request sent by the user terminal, determine a target installment processing method for the data packet based on the batch processing request, and perform installment processing on the data in the data packet according to the target installment processing method; the batch processing request is generated by the user terminal based on the data packet and the recommended installment processing method.

[0009] A second aspect of an embodiment of the present invention provides a terminal device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

[0010] Acquire data information of a plurality of first data in a target account; wherein the first data is used to represent unprocessed data in the target account; the data information includes an installment processing method and a processing time limit for each data in the first data;

[0011] According to the data information and a preset data screening strategy, selecting a plurality of second data to be combined and processed from the first data;

[0012] Combining the plurality of second data into a data packet, generating a recommended instalment processing method for the data packet according to the instalment processing method and processing time limit of the second data, and sending the data packet and the recommended instalment processing method to the user terminal of the target account;

[0013] Receive a batch processing request sent by the user terminal, determine a target installment processing method for the data packet based on the batch processing request, and perform installment processing on the data in the data packet according to the target installment processing method; the batch processing request is generated by the user terminal based on the data packet and the recommended installment processing method.

[0014] A third aspect of an embodiment of the present invention provides a terminal device, including:

[0015] An acquisition unit, used to acquire data information of a plurality of first data in a target account; wherein the first data is used to represent unprocessed data in the target account; and the data information includes an installment processing method and a processing time limit for each data in the first data;

[0016] A selecting unit, configured to select a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy;

[0017] a combining unit, configured to combine the plurality of second data into a data packet, and generate a recommended instalment processing method for the data packet according to the instalment processing method and processing time limit of the second data, and send the data packet and the recommended instalment processing method to a user terminal of the target account;

[0018] A processing unit is used to receive a batch processing request sent by the user terminal, determine a target installment processing method for the data packet according to the batch processing request, and perform installment processing on the data in the data packet according to the target installment processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended installment processing method.

[0019] A fourth aspect of an embodiment of the present invention provides a computer-readable storage medium, wherein the computer storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor executes the method of the first aspect.

[0020] Compared with the prior art, the embodiments of the present invention have the following beneficial effects:

[0021] The embodiment of the present invention selects data from the first data as the second data, combines the second data to generate a data packet, and simultaneously generates a recommended installment processing method for the data packet, receives a batch processing request generated by a user terminal according to the recommended installment processing method, and finally processes the data in the data packet in installments according to the batch processing request, thereby avoiding the more cumbersome data processing flow when the first data to be processed is processed separately, improving the efficiency of data processing, and saving the cost of data processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0023] Figure 1 is a flow chart of a data processing method provided by Embodiment 1 of the present invention;

[0024] Figure 2 is a flow chart of a data processing method provided by Embodiment 2 of the present invention;

[0025] Figure 3 is a schematic diagram of a terminal device provided in Embodiment 3 of the present invention;

[0026] Figure 4 It is a schematic diagram of a terminal device provided in Embodiment 4 of the present invention. DETAILED DESCRIPTION

[0027] In the following description, specific details such as specific system structures, technologies, etc. are provided for the purpose of illustration rather than limitation, so as to provide a thorough understanding of the embodiments of the present invention. However, it should be clear to those skilled in the art that the present invention may be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits, and methods are omitted to prevent unnecessary details from obstructing the description of the present invention.

[0028] In order to illustrate the technical solution of the present invention, a specific embodiment is provided below for illustration.

[0029] See also Figure 1 , Figure 1 1 is a flow chart of a data processing method provided in Embodiment 1 of the present invention. The data processing method in this embodiment is executed by a terminal. The terminal includes but is not limited to mobile terminals such as smart phones, tablet computers, wearable devices, and may also be a desktop computer. The data processing method shown in the figure may include the following steps:

[0030] S101: Acquire data information of multiple first data in a target account; wherein the first data is used to represent unprocessed data in the target account; the data information includes an installment processing method and a processing time limit for each data in the first data.

[0031] In many applications of current user terminals, there are a lot of application data to be processed. These application data can be generated by one application or different applications. The corresponding processing methods may include sending, caching, deleting, etc., which are not limited here.

[0032] In this embodiment, the data information of the first data in the target account is first obtained. The target account in this embodiment may include a registered account for an application, an account for online transactions, or an account for bank payments, etc., which are not limited here. The first data in this embodiment is used to represent the data to be processed in the target account. These data may be of the same type or of different types. The common point is that these data are all unprocessed and waiting to be processed, and the data information of the first data in this embodiment may include the installment processing method and processing time limit for each data therein. Specifically, the installment processing method of this embodiment may include the amount of data or the processing order for each installment processing, as well as the processing time limit for each installment processing, etc., which are not limited here.

[0033] It should be noted that the first data in this embodiment is used to represent the data to be processed obtained from a target account. The first data has the same data type, such as SMS data to be transmitted, images to be cached, or order information to be processed, etc., which is not limited here.

[0034] S102: selecting a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy.

[0035] In this embodiment, a data screening strategy is preset, which is used to screen the first data according to the data screening strategy to obtain the second data. It should be noted that the first data in this embodiment is used to represent the data to be processed obtained from the target account, and the second data is used to represent the data to be combined and processed that is screened from the first data. The first data includes the content of the second data, so that the data is combined and processed according to the second data.

[0036] The data screening strategy in this embodiment can be to determine the second data to be combined and processed by predetermining a data screening size threshold. For example, if the first data to be processed is of image type, we can set a preset image resolution range as a condition for the second data to be combined and processed, by identifying the resolution of each image in the first data, and taking the image whose resolution of each image in the first data is within the preset resolution range as the second data to be combined and processed.

[0037] Exemplarily, when the first data is data to be transmitted or cached, we can pre-set a data size range to select the second data from the first data based on these data size ranges, and determine the first data of appropriate data size as the second data to be combined and processed.

[0038] Furthermore, step S102 may specifically include steps S1021 to S1023:

[0039] S1021: Obtain a preset data screening strategy; the data screening strategy includes data processing method rules and time limit rules.

[0040] In this embodiment, a data screening strategy may be preset and stored in a corresponding database, wherein the data screening strategy may include a method rule and a time rule for data processing of data that conforms to the data screening strategy.

[0041] Furthermore, in order to ensure that different types of first data can have corresponding data screening strategies, we can pre-set data screening strategies corresponding to the data types of these data for different data types. For example, for cached or transmitted data, we can set the data volume of these data as a data screening strategy, and the first data that meets the data volume data screening strategy can be selected as the second data.

[0042] Optionally, when processing order data, we use all unprocessed order data as the first data, and use the amount or payment time in the order data as the data screening strategy. Order data that meets the preset amount range can be used as the second data, or order data that meets the payment time range can be used as the second data. The data screening strategy here can be made according to the specific processing method of the first data or the data situation, which is not limited here.

[0043] Specifically, the data screening strategy in this implementation includes method rules and time rules for processing data that conforms to the data screening strategy. The method rules and time rules in the data screening strategy can also be used to screen out second data from the first data to combine the second data with the same data attributes.

[0044] S1022: Calculate the similarity between the first data and the data corresponding to the data screening strategy according to the method rule and the time limit rule, as well as the phased processing method and the processing time limit in the data information of the first data.

[0045] After obtaining the method rules and time limit rules in the data screening strategy, we calculate the similarity between the first data and the data corresponding to the data screening strategy according to the phased processing method and processing time limit in the data information of the first data, so as to select the second data from the first data by the similarity.

[0046] Optionally, the method for calculating the similarity in this embodiment can be through calculating the correlation between the processing method and the processing time limit in the data information of the first data, and the method rules and the time limit rules in the data screening strategy. For example, by calculating the proportion of the intersection of the processing method and the method rule in the processing method, and at the same time calculating the proportion of the intersection between the processing time limit and the time limit rule in the processing time limit, and then averaging the two proportions, the similarity between the data information of the first data and the data information corresponding to the data screening strategy can be obtained.

[0047] S1023: Sort the first data according to the similarity, and select the first data corresponding to a preset number of high similarities as the second data; the second data is used to represent the first data that complies with the method rule and time limit rule.

[0048] After calculating the similarity, we select a preset number of first data corresponding to high similarity as the second data.

[0049] Furthermore, because the second data includes the data to be combined, the second data may include a lot of first data. In addition, we can also set a similarity threshold to measure the similarity and identify the first data with a similarity greater than or equal to the similarity threshold as the second data.

[0050] S103: Combining the plurality of second data into a data packet, and generating a recommended installment processing method for the data packet according to the installment processing method and processing time limit of the second data, and sending the data packet and the recommended installment processing method to the user terminal of the target account.

[0051] After selecting the second data from the first data, we combine all or part of the second data to obtain a data packet, and generate a recommended installment processing method for the data packet, and then send the data packet and its corresponding recommended installment processing method to the user terminal of the target account.

[0052] Specifically, when the second data is combined, the information with the same data attributes in the second data may be simply combined or added according to the data information of the second data to obtain a data packet, and after obtaining the data packet, a recommended installment processing method is generated for the data packet. Because the data information of the data has changed after the second data is selected according to the first data and combined to generate the data packet, we regenerate the recommended installment processing method according to the data information of the second data, and send the data packet and its corresponding recommended installment processing method to the user terminal of the target account, so that the user terminal can select the data installment processing method suitable for itself according to the recommended installment processing method.

[0053] Furthermore, when generating a recommended installment processing method, the data information of the second data may be obtained first, and the collection of the data information of all the second data may be obtained. The recommended installment processing method may be determined through the collection of installment processing methods and the collection of processing deadlines in the data information of the second data.

[0054] S104: Receive a batch processing request sent by the user terminal, determine a target installment processing method for the data packet according to the batch processing request, and perform installment processing on the data in the data packet according to the target installment processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended installment processing method.

[0055] After sending the data packet and its corresponding recommended installment processing method to the user terminal of the target account, we receive a batch processing request sent by the user terminal, and perform installment processing on the data in the data packet according to the batch data request, so as to achieve the technical effect of unified and batch processing of part of the data in the first data.

[0056] Specifically, the batch processing request in this embodiment is determined by the user terminal based on the recommended installment processing method of the data packet. The recommended installment processing method in this embodiment may include one or more recommended processing methods. After receiving the recommended installment processing method, the user terminal can select a recommended installment processing method to generate a batch processing request.

[0057] Furthermore, after the user terminal obtains the recommended installment processing method, if there is no suitable installment processing method, the user terminal can set an installment processing method for the data packet according to the recommended installment processing method, and submit it to the terminal device for data processing. After receiving the installment processing method set by the user terminal, the terminal device can review it. If the review is passed, the data packet is processed according to the installment processing method. If the review is not passed, the recommended installment processing method is still sent to the user terminal for it to select an installment processing method to process the data packet.

[0058] The above scheme obtains data information of multiple first data in the target account; wherein the first data is used to represent the unprocessed data in the target account; the data information includes the installment processing method and processing time limit of each data in the first data; according to the data information and the preset data screening strategy, multiple second data to be combined and processed are selected from the first data; the multiple second data are combined into a data packet, and according to the installment processing method and processing time limit of the second data, a recommended installment processing method for the data packet is generated, and the data packet and the recommended installment processing method are sent to the user terminal of the target account; a batch processing request sent by the user terminal is received, and a target installment processing method for the data packet is determined according to the batch processing request, and the data in the data packet is processed in installments according to the target installment processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended installment processing method. By selecting data from the first data as the second data, combining the second data to generate a data packet, and generating a recommended installment processing method for the data packet, receiving a batch processing request generated by a user terminal according to the recommended installment processing method, and finally performing installment processing on the data packet according to the batch processing request, the cumbersome data processing flow when the first data to be processed is processed separately is avoided, the efficiency of data processing is improved, and the cost of data processing is saved.

[0059] See also Figure 2 , Figure 2: is a flow chart of a data processing method provided in Embodiment 2 of the present invention. The execution subject of the data processing method in this embodiment is a terminal. The terminal includes but is not limited to mobile terminals such as smart phones, tablet computers, wearable devices, and can also be desktop computers, etc. The data processing method shown in the figure may include the following steps:

[0060] S201: Obtain data information of multiple first data in the target account; wherein the first data is used to represent unprocessed data in the target account; the data information includes the phased processing method and processing time limit of each data in the first data.

[0061] After a lot of first data has been generated in the target account of the user terminal, the user terminal or the data processing terminal device needs to process the first data. However, if there are a lot of first data, processing them individually will consume a lot of time and data costs. Therefore, we can determine the second data that can be processed in batches based on the data information of the first data.

[0062] Furthermore, step S201 in this embodiment may specifically include steps S2011 to S2013:

[0063] S2011: Obtain the data to be processed and its data information sent by the user terminal from the target account.

[0064] The target account in this embodiment is used to represent the user account logged in to the user terminal. The user account can be a bank account, a common social network account, or a payment account of a shopping website, etc., which is not limited here.

[0065] The pending data in this embodiment is used to represent data that has not been processed in the target account, for example, image data to be transmitted in an ordinary social network account, or file data to be cached, etc. It can also be unprocessed order data in a payment account, or unprocessed transfer data in a bank account, etc., which is not limited here.

[0066] The data information in this embodiment includes the data processing method or data processing time limit of the data to be processed, which is not limited here. We can determine the data processing method of all data in the data packet during batch processing through the data information.

[0067] It should be noted that the data to be processed here may include data that can be processed in batches, data that cannot be processed in batches, and may also include data that does not comply with the basic processing rules of the application, such as illegal data, data with incomplete data information, etc.

[0068] At the same time, the user terminal sends the data to be processed and its data information, which can be sent to the terminal device for data processing as soon as the data to be processed is generated, or when the amount of data to be processed reaches a certain amount, all the generated data to be processed can be sent to the terminal device for data processing; in addition, a data sending time period can be pre-set, and after the time of data generation meets the preset data sending time period, it can directly trigger the sending of the data to be processed to the terminal device for data processing.

[0069] S2012: Obtain preset data information review standards, and review the data information of the data to be processed according to the data information review standards.

[0070] In this embodiment, a data information review standard is preset. After obtaining the data to be processed, we review the data information of the data to be processed according to the data information of the data to be processed and the data information review standard.

[0071] The data information review standards in this embodiment can be some data conditions, such as the data generation time must be within one day, the amount of data to be processed must be less than 1G, all data information must be complete, etc. When performing data information review on the data to be processed, the data information can be directly screened according to the data information review standards to obtain the first data that meets the review standards.

[0072] S2013: Identify the data to be processed that has passed the review as the first data.

[0073] After reviewing the data to be processed according to the data information review standards, we identify the data to be processed that meets the data information review standards as the first data.

[0074] For example, in an application scenario of processing billing information in an account, after obtaining the billing information selected by the user, we need to review the orders in the order batch processing request according to the review standards. If there is a failed consumption amount in a single installment submitted by the user in batches, then other consumption installments except the failed ones are normal and valid. This part of normal and valid billing information is the first data. At the same time, the user needs to be informed of the actual number and amount of successful installments and the number and amount of failed installments. Optionally, when all orders in the order batch processing request fail to be reviewed, a text message can be sent to the user terminal: "Dear xxxxxx, the total number of credit card applications you have applied for with the last digit xxxxxx is x, and the single consumption installment with a total amount of xxx has not passed the review. Please contact xxxxxx for details"; Optionally, when some orders in the order batch processing request fail to be reviewed, a text message can be sent to the user terminal: "Dear xxxxxx, the review results of x single consumption installments of your credit card application with the last digit xxxxxx are as follows: total installment amount xxxxx, total number of installments x, divided into x installments, successfully reviewed; total installment amount xxxxxx, total number of installments x, divided into x installments, failed to pass the review, you can log in to the application to query."

[0075] S202: Selecting a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy.

[0076] In this embodiment, a data screening strategy is preset. After the first data is determined, we select the second data to be combined and processed from the first data according to the data information of the first data and the preset data extraction strategy.

[0077] Exemplarily, based on the example in step S2013, in the application environment of order processing, we identify normal and valid billing information as the first data, and through the preset data screening strategy, the data screening strategy may include an order processing time limit, which is used to indicate the processing method of orders generated at different times, so as to determine the orders that meet the data screening strategy as the target orders, and the target orders are the second data. Further, in order to ensure that the combined orders sent to the user can be successfully merged and instalments, we can calculate the similarity between the order information of the pending orders and the data screening strategy according to the data screening strategy, and finally identify the pending orders with higher similarity as the target orders, which are the second data.

[0078] Specifically, the interval range of the rule element values ​​in the data screening strategy is first determined, and these rule element values ​​are matched one-to-one with the order information, and the similarity between these elements is calculated, and finally the similarity between the first data to be processed and the data screening rule is obtained.

[0079] Furthermore, step S202 may specifically include steps S2021 to S2023:

[0080] S2021: According to the data information of the first data, the data in the first data belonging to the same phased processing method or the same processing time limit are arranged and combined to obtain at least two batches of data combinations.

[0081] After determining the first data, we arrange and combine the first data to obtain at least two batches of data combinations, and the first data in each data combination can be all of the first data or part of the first data. The amount of the first data is not limited here.

[0082] For example, after determining the target orders, we combine the target orders to generate a combined order for installment payment, and send these combined orders to the user terminal, and the installment payment information may also be sent, such as the installment payment time, handling fee, payment method, etc. The sending method may be to send information to the payment application in the user terminal, or to send the installment payment to the user terminal in the form of a text message according to the phone number in the user's payment account.

[0083] Specifically, when arranging and combining the data in the first data according to the phased processing method or the processing time limit, the first data belonging to the same phased processing method can be combined only according to the phased processing method, or the first data belonging to the same processing time limit can be combined only according to the processing time limit, or the first data belonging to both the same phased processing method and the same processing time limit can be combined. After combining the first data that meets the above conditions, we can sort the first data in each combination according to the data volume and estimated processing time of the first data in each combination to determine the processing order of different first data in each combination. The sorting method can be to push the corresponding data into the processing queue in order from high to low data volume, so as to process the data according to the sorting of the queue; or the data in each combination can be processed in parallel, which is not limited here. In this way, the coordination and uniformity of batch data processing can be improved, ensuring that data information in the same interval can have a unified data processing method, and improving the synchronization of batch processing.

[0084] S2022: Calculate the processing cost of each of the data combinations according to a preset processing cost calculation method.

[0085] After obtaining the data combination, the data content, data volume and data processing method in each data combination are different, so different data combinations will obtain different data processing costs. In this embodiment, a processing cost calculation method is preset, which is the same as calculating the processing cost of each data combination.

[0086] Exemplarily, we can calculate the installment cost of the installment according to the order information of the pending orders, so as to determine the target order set with the minimum installment cost and push it to the user, thereby minimizing the user's installment cost and maximizing the convenience for the user. It should be noted that in this embodiment, the user cost may include the handling fee for each installment or the estimated installment time for the user's combined installment, which is not limited here. Specifically, when calculating the handling fee for each installment, it can be calculated by the following formula: P = ∑(Amo_total*Rate*Discount), where Amo_total is used to represent the total amount of a single installment; Rate is used to represent the handling fee rate; Discount is used to represent the handling fee discount rate.

[0087] S2023: Identify the data in the data combination corresponding to the minimum processing cost as the second data.

[0088] After the processing cost is calculated, the data in the data combination corresponding to the minimum processing cost is identified as the second data. By identifying the data combination corresponding to the minimum processing cost, we can perform batch processing of data to ensure the lowest cost of data processing.

[0089] S203: Randomly combine the second data to obtain one or at least two data packets.

[0090] After selecting the second data from the first data, we combine all the second data to obtain a data packet, and generate a recommended installment processing method for the data packet, and then send the data packet and its corresponding recommended installment processing method to the user terminal of the target account.

[0091] For example, in the application scenario of processing orders, the order amount, order time, payment period and other information in the target orders are different. If we directly batch all the target orders into installments, it will affect the seller's payment time and may also affect the buyer's credit record. Therefore, in this embodiment, by comprehensively weighing the order amount, order time, payment period and other information of each target order, we determine the target orders that can be merged into a combined order. Specifically, when determining the target orders to be merged into a combined order, we determine the order amount, payment period and other information of each target order. First, identify the target orders whose payment period time difference of each target order is within the preset time interval. For example, if we set the time difference to one month, we determine the target orders with payment period in the same month according to the monthly cycle. If the time difference between the target orders is relatively large, we can set the payment period to be one quarter or half a year, and identify the target orders with payment period within one quarter or half a year.

[0092] After determining the target orders in each cycle according to the payment period, we can identify the order amount of the target orders in each cycle and determine the target orders in the cycle whose payment amount is greater than the preset payment amount as the target orders that can form a combined order. When there are target orders in the cycle whose payment amount is less than the preset payment amount, it is relatively easy for the buyer to pay because the amount is small. Here, it can be suggested that the buyer directly pay those target orders whose payment amount is less than the preset payment amount, or only combine a preset number of target orders with smaller payment amounts into a combined order.

[0093] S204: Determine the monthly processing volume and processing order of all data in the data packet according to the monthly maximum data processing upper limit and the processing time limit.

[0094] In this embodiment, a monthly maximum data processing limit and a processing time limit are preset, wherein the monthly maximum data processing limit is used to indicate the maximum data processing volume that can be processed by the data processing terminal, and the processing time limit is used to indicate the latest data processing time of each data. We use the maximum data processing limit and the processing time limit to determine the monthly processing volume and processing order of all data in the data packet. The monthly processing volume is used to indicate the amount of data that can be processed each month, and the processing order is used to indicate the order in which the data in the data packet is processed.

[0095] Furthermore, in this embodiment, a unified installment method can be set for different combination orders, or different installment methods can be set. Exemplarily, the monthly installment amount set by the user terminal is first obtained, and the installment repayment order of multiple combination orders is determined according to the monthly installment amount and the payment time limit of the combination order, and the monthly repayment information is determined according to the installment repayment order and the monthly installment amount, and the monthly repayment information is sent to the user terminal together with the combination order. Further, when setting different installment methods for combination orders, the payment period of each combination order can be determined first, and the monthly repayment amount ratio of each combination order can be determined according to the length of the payment period. Exemplarily, for a combination order with a longer payment period, a smaller monthly repayment amount can be determined, and for a combination order with a shorter payment period, a larger monthly repayment amount can be determined.

[0096] Furthermore, after randomly combining the second data, we can obtain one, two or more data packets. When there is only one data packet, we can directly determine the monthly processing volume and installment of the data packet. When there are two or more data packets, it can be determined whether to process these data packets in parallel batches at the same time, or to determine the processing order of each data packet according to the processing method and processing time limit of the second data in each data packet. When batch processing is performed, the data in each data packet needs to be processed at the same time, which can ensure the completion time of the data in each data packet, but the data processing efficiency is low. When processing sequentially, only the data in one data packet is processed each time, and the second data packet is processed after the data in the current data packet is processed. This data processing efficiency is higher, but different data packets may face different waiting times.

[0097] S205: Send all the obtained data packets, the monthly processing volume of all the data in the data packets, and the processing order to the user terminal.

[0098] After we determine the data packet, monthly processing volume, and data sequence, we send this information to the user terminal, so that the user terminal can determine the final method of processing the data in the data packet based on this information.

[0099] Furthermore, after randomly combining the second data, we can obtain one, two or more data packets. When there is one data packet, we can directly send it to the user terminal for processing. When there are two or more data packets, we can determine a method of batch processing of the data packets at the same time, or store the data packets in a processing queue and process them sequentially. We can send the monthly processing volume and processing order of all processing methods to the user terminal, and the user can choose the data processing method that suits him according to his current situation.

[0100] S206: Receive a batch processing request sent by the user terminal, determine a target installment processing method for the data packet according to the batch processing request, and perform installment processing on the data in the data packet according to the target installment processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended installment processing method.

[0101] Finally, the data processing terminal receives the batch installment request sent by the user terminal, the batch installment request is generated according to the combined order, and processes the target order according to the batch installment request.

[0102] Furthermore, the number of batch installment requests in this embodiment can be one or more. When the number of batch installment requests is one, it means that the user terminal batch processes the data in all data packets only once; when the number of batch installment requests is multiple, it means that the user terminal divides the data in all data packets into multiple processing batches, which may include data in one or more data packets, so that the data processing terminal processes according to the request of the user terminal.

[0103] The above scheme obtains data information of multiple first data in the target account; wherein the first data is used to represent the unprocessed data in the target account; the data information includes the phased processing method and processing time limit of each data in the first data; according to the data information and the preset data screening strategy, multiple second data to be combined and processed are selected from the first data; the second data are randomly combined to obtain one or at least two data packets; according to the monthly maximum data processing limit and the processing time limit, the monthly processing volume and processing order of all data in the data packet are determined; all the obtained data packets, the monthly processing volume of all data in the data packet and the processing order are sent to the user terminal. Receive the batch processing request sent by the user terminal, and determine the target phased processing method for the data packet according to the batch processing request, and perform phased processing on the data in the data packet according to the target phased processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended phased processing method. By selecting data from the first data as the second data, combining the second data to generate a data packet, and generating a recommended installment processing method for the data packet, receiving a batch processing request generated by a user terminal according to the recommended installment processing method, and finally performing installment processing on the data packet according to the batch processing request, the cumbersome data processing flow when the first data to be processed is processed separately is avoided, the efficiency of data processing is improved, and the cost of data processing is saved.

[0104] See also Figure 3 , Figure 3 Schematic diagram of a terminal device provided in Embodiment 3 of the present invention. The terminal device includes units for executing Figure 1-2 For details, please refer to the steps in the corresponding embodiment. Figure 1-2 For the convenience of explanation, only the parts related to this embodiment are shown. The terminal device 300 of this embodiment includes:

[0105] The acquisition unit 301 is used to acquire data information of a plurality of first data in a target account; wherein the first data is used to represent unprocessed data in the target account; and the data information includes an installment processing method and a processing time limit for each data in the first data;

[0106] A selecting unit 302, configured to select a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy;

[0107] A combining unit 303 is used to combine the plurality of second data into a data packet, and generate a recommended instalment processing method for the data packet according to the instalment processing method and processing time limit of the second data, and send the data packet and the recommended instalment processing method to the user terminal of the target account;

[0108] The processing unit 304 is used to receive a batch processing request sent by the user terminal, determine a target installment processing method for the data packet according to the batch processing request, and perform installment processing on the data in the data packet according to the target installment processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended installment processing method.

[0109] Further, the selecting unit 302 may include:

[0110] A first acquisition unit is used to acquire a preset data screening strategy; the data screening strategy includes a data processing method rule and a time limit rule;

[0111] a calculation unit, configured to calculate the similarity between the first data and the data corresponding to the data screening strategy according to the method rule and the time limit rule, and the phased processing method and the processing time limit in the data information of the first data;

[0112] The first identification unit is used to sort the first data according to the size of the similarity, and select the first data corresponding to a preset number of high similarities as the second data; the second data is used to represent the first data that complies with the method rule and time limit rule.

[0113] Furthermore, the acquisition unit 301 may include:

[0114] A second acquisition unit is used to acquire the to-be-processed data and data information thereof sent by the user terminal from the target account;

[0115] A data review unit, used to obtain a preset data information review standard, and review the data information of the data to be processed according to the data information review standard;

[0116] The second identification unit is used to identify the approved data to be processed as the first data.

[0117] Further, the selecting unit 302 may include:

[0118] A data combination unit, configured to arrange and combine data in the first data belonging to the same phased processing mode or the same processing time limit according to the data information of the first data to obtain at least two batches of data combinations;

[0119] A cost calculation unit, used for calculating the processing cost of each of the data combinations according to a preset processing cost calculation method;

[0120] The third identification unit is used to identify the data in the data combination corresponding to the minimum processing cost as the second data.

[0121] Further, the combining unit 303 may include:

[0122] A random combination unit, used for randomly combining the second data to obtain one or at least two data packets;

[0123] a method determination unit, used to determine the monthly processing volume and processing order of all data in the data packet according to the monthly maximum data processing upper limit and the processing time limit;

[0124] A data sending unit is used to send all the obtained data packets, the monthly processing volume of all data in the data packets, and the processing sequence to the user terminal.

[0125] The above scheme obtains data information of multiple first data in the target account; wherein the first data is used to represent the unprocessed data in the target account; the data information includes the installment processing method and processing time limit of each data in the first data; according to the data information and the preset data screening strategy, multiple second data to be combined and processed are selected from the first data; the multiple second data are combined into a data packet, and according to the installment processing method and processing time limit of the second data, a recommended installment processing method for the data packet is generated, and the data packet and the recommended installment processing method are sent to the user terminal of the target account; a batch processing request sent by the user terminal is received, and a target installment processing method for the data packet is determined according to the batch processing request, and the data in the data packet is processed in installments according to the target installment processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended installment processing method. By selecting data from the first data as the second data, combining the second data to generate a data packet, and generating a recommended installment processing method for the data packet, receiving a batch processing request generated by a user terminal according to the recommended installment processing method, and finally performing installment processing on the data packet according to the batch processing request, the cumbersome data processing flow when the first data to be processed is processed separately is avoided, the efficiency of data processing is improved, and the cost of data processing is saved.

[0126] Figure 4 Schematic diagram of a terminal device provided by Embodiment 4 of the present invention. Figure 4 As shown, the terminal device 4 of this embodiment includes: a processor 40, a memory 41, and a computer program 42 stored in the memory 41 and executable on the processor 40. When the processor 40 executes the computer program 42, the steps in the above-mentioned data processing method embodiments are implemented, for example Figure 1 Alternatively, when the processor 40 executes the computer program 42, the functions of each module / unit in the above-mentioned device embodiments are realized, for example, Figure 3 The functions of units 301 to 304 are shown.

[0127] Exemplarily, the computer program 42 may be divided into one or more modules / units, which are stored in the memory 41 and executed by the processor 40 to implement the present invention. The one or more modules / units may be a series of computer program instruction segments capable of implementing specific functions, which are used to describe the execution process of the computer program 42 in the terminal device 4.

[0128] The terminal device 4 may be a computing device such as a desktop computer, a notebook, a PDA, or a cloud server. The terminal device may include, but is not limited to, a processor 40 and a memory 41. Those skilled in the art will appreciate that Figure 4 It is only an example of the terminal device 4 and does not constitute a limitation on the terminal device 4. It may include more or fewer components than shown in the figure, or a combination of certain components, or different components. For example, the terminal device may also include input and output devices, network access devices, buses, etc.

[0129] The processor 40 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or any conventional processor, etc.

[0130] The memory 41 may be an internal storage unit of the terminal device 4, such as a hard disk or memory of the terminal device 4. The memory 41 may also be an external storage device of the terminal device 4, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card (FC), etc. equipped on the terminal device 4. Further, the memory 41 may also include both an internal storage unit and an external storage device of the terminal device 4. The memory 41 is used to store the computer program and other programs and data required by the terminal device. The memory 41 may also be used to temporarily store data that has been output or is to be output.

[0131] The technicians in the relevant field can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example for illustration. In practical applications, the above-mentioned function allocation can be completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above. The functional units and modules in the embodiment can be integrated in a processing unit, or each unit can exist physically separately, or two or more units can be integrated in one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of software functional units. In addition, the specific names of the functional units and modules are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of this application. The specific working process of the units and modules in the above-mentioned system can refer to the corresponding process in the aforementioned method embodiment, which will not be repeated here.

[0132] In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described or recorded in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0133] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0134] If the integrated module / unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present invention implements all or part of the processes in the above-mentioned embodiment method, and can also be completed by instructing related hardware through a computer program, and the computer program can be stored in a computer-readable storage medium.

[0135] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A data processing method, characterized in that: include: Acquire data information of multiple first data in the target account; wherein the first data is unprocessed data in the target account, and the first data have the same data type; the data information includes the phased processing method and processing time limit of each data in the first data; According to the data information and a preset data screening strategy, selecting a plurality of second data to be combined and processed from the first data; Combining the plurality of second data into a data packet, generating a recommended instalment processing method for the data packet according to the instalment processing method and processing time limit of the second data, and sending the data packet and the recommended instalment processing method to the user terminal of the target account; receiving a batch processing request sent by the user terminal, determining a target phased processing method for the data packet according to the batch processing request, and performing phased processing on the data in the data packet according to the target phased processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended phased processing method; The installment processing method includes a monthly maximum data processing limit; combining the plurality of second data into a data packet, generating a recommended installment processing method for the data packet according to the installment processing method and processing time limit of the second data, and sending the data packet and the recommended installment processing method to the user terminal of the target account, including: Randomly combining the second data to obtain one or at least two data packets; Determine the monthly processing volume and processing order of all data in the data packet according to the monthly maximum data processing limit and the processing time limit; All the obtained data packets, the monthly processing volume of all the data in the data packets, and the processing order are sent to the user terminal.

2. The data processing method according to claim 1, characterized in that: The selecting a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy comprises: Obtaining a preset data screening strategy; the data screening strategy includes data processing method rules and time limit rules; Calculate the similarity between the first data and the data corresponding to the data screening strategy according to the method rule and the time limit rule, and the phased processing method and the processing time limit in the data information of the first data; The first data are sorted according to the size of the similarity, and the first data corresponding to a preset number of high similarities are selected as the second data; the second data is used to represent the first data that complies with the method rule and time limit rule.

3. The data processing method according to claim 1, characterized in that: The step of obtaining data information of a plurality of first data in a target account includes: Obtain the data to be processed and its data information sent by the user terminal from the target account; Acquire preset data information review standards, and review the data information of the data to be processed according to the data information review standards; The data to be processed that has passed the review is identified as the first data.

4. The data processing method according to claim 1, characterized in that: The selecting a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy comprises: According to the data information of the first data, the data in the first data belonging to the same phased processing method or the same processing time limit are arranged and combined to obtain at least two batches of data combinations; Calculate the processing cost of each of the data combinations according to a preset processing cost calculation method; The data in the data combination corresponding to the minimum processing cost is identified as the second data.

5. A terminal device, characterized in that: The method comprises a memory and a processor, wherein the memory stores a computer program that can be run on the processor, and wherein when the processor executes the computer program, the following steps are implemented: Acquire data information of a plurality of first data in a target account; wherein the first data is used to represent unprocessed data in the target account, and the first data have the same data type; the data information includes an installment processing method and a processing time limit for each data in the first data; According to the data information and a preset data screening strategy, selecting a plurality of second data to be combined and processed from the first data; Combining the plurality of second data into a data packet, generating a recommended instalment processing method for the data packet according to the instalment processing method and processing time limit of the second data, and sending the data packet and the recommended instalment processing method to the user terminal of the target account; receiving a batch processing request sent by the user terminal, determining a target phased processing method for the data packet according to the batch processing request, and performing phased processing on the data in the data packet according to the target phased processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended phased processing method; The installment processing method includes a monthly maximum data processing limit; combining the plurality of second data into a data packet, generating a recommended installment processing method for the data packet according to the installment processing method and processing time limit of the second data, and sending the data packet and the recommended installment processing method to the user terminal of the target account, including: Randomly combining the second data to obtain one or at least two data packets; Determine the monthly processing volume and processing order of all data in the data packet according to the monthly maximum data processing limit and the processing time limit; All the obtained data packets, the monthly processing volume of all the data in the data packets, and the processing order are sent to the user terminal.

6. The terminal device according to claim 5, characterized in that: The selecting a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy comprises: Obtaining a preset data screening strategy; the data screening strategy includes data processing method rules and time limit rules; Calculate the similarity between the first data and the data corresponding to the data screening strategy according to the method rule and the time limit rule, and the phased processing method and the processing time limit in the data information of the first data; The first data are sorted according to the size of the similarity, and the first data corresponding to a preset number of high similarities are selected as the second data; the second data is used to represent the first data that complies with the method rule and time limit rule.

7. The terminal device according to claim 5, characterized in that: The step of obtaining data information of a plurality of first data in a target account includes: Obtain the data to be processed and its data information sent by the user terminal from the target account; Acquire preset data information review standards, and review the data information of the data to be processed according to the data information review standards; The data to be processed that has passed the review is identified as the first data.

8. A terminal device, characterized in that: include: An acquisition unit, configured to acquire data information of a plurality of first data in a target account; wherein the first data are used to represent unprocessed data in the target account, and the first data have the same data type; and the data information includes an installment processing method and a processing time limit for each data in the first data; A selecting unit, configured to select a plurality of second data to be combined and processed from the first data according to the data information and a preset data screening strategy; a combining unit, configured to combine the plurality of second data into a data packet, and generate a recommended instalment processing method for the data packet according to the instalment processing method and processing time limit of the second data, and send the data packet and the recommended instalment processing method to a user terminal of the target account; a processing unit, configured to receive a batch processing request sent by the user terminal, determine a target phased processing method for the data packet according to the batch processing request, and perform phased processing on the data in the data packet according to the target phased processing method; the batch processing request is generated by the user terminal according to the data packet and the recommended phased processing method; The combined unit further comprises: A random combination unit, used for randomly combining the second data to obtain one or at least two data packets; A method determination unit, used to determine the monthly processing volume and processing order of all data in the data packet according to the monthly maximum data processing upper limit and the processing time limit; A data sending unit is used to send all the obtained data packets, the monthly processing volume of all data in the data packets, and the processing sequence to the user terminal.

9. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 4 are implemented.

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