Data processing method, system, electronic device and storage medium

Abstract

The data processing method, system, electronic device and storage medium provided in the embodiments of the present application, through the data processing method, the data processing method is applicable to a data processing system, and the data processing system includes a front-end service interface and a business processing module; wherein the front-end service interface receives a processing request for business data sent by a user, and forwards the processing request for the business data to the business processing module; the business processing module calls the corresponding business processing logic from a plurality of preset types of business processing logics according to the processing request for the business data to process the business data in the processing request, and sends the processing result of the business data to the front-end service interface; the front-end service interface sends the processing result of the business data to the user, thereby providing users including financial institutions with a platform for developing online loan business, facilitating their processing of online loan business data and maintaining the entire flow of business data.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a data processing method, system, electronic device and storage medium. Background Art

[0002] Loan business is an important part of the financial industry. With the development of Internet technology, it has become a trend to conduct loan business through online services.

[0003] In the existing technology, the business processes of loan business still need to be implemented offline, that is, financial institutions need to process loan application business, account settlement and other processes offline. Obviously, this will be very unfavorable to the development of loan business. Summary of the invention

[0004] With respect to the prior art, in which the various business processes of loan business are still implemented in an offline manner, the embodiments of the present application provide a data processing method, system, electronic device and storage medium, which provide an implementation platform and a corresponding implementation method for financial institutions to conduct online loan business. Through the embodiments of the present application, the loan business can be transferred from offline processing to online processing, so that the processing of the loan business is no longer dependent on manual labor, and the process automation of the loan business is realized, which effectively improves the processing efficiency of the loan business.

[0005] In a first aspect, an embodiment of the present application provides a data processing system, including: a front-end service interface and a business processing module;

[0006] The front-end service interface is used to receive a processing request for service data sent by a user, and forward the processing request for service data to a service processing module;

[0007] The business processing module is used to call corresponding business processing logic from multiple types of preset business processing logics according to the processing request of business data to process the business data in the processing request, and send the processing result of the business data to the front-end service interface; wherein, multiple types of business processing logic are set in the business processing module;

[0008] The front-end service interface is used to send the processing result of the business data to the user.

[0009] Optionally, the business processing module includes a product information processing submodule; the business processing logic includes a product information setting logic for setting product information for each business product in the business processing module; the data processing request includes a product information processing request;

[0010] The product information processing submodule is used to call the product information setting logic to set the product information of the corresponding product pre-stored in the business processing module according to the product information processing request.

[0011] Optionally, the business processing module further includes: a quota processing submodule;

[0012] The business processing logic includes product quota configuration logic for configuring product quotas for each business product in the business processing module; the data processing request includes a product quota processing request;

[0013] The quota processing submodule is used to call the product quota configuration logic to configure the product quota of the corresponding product pre-stored in the business processing module according to the product quota processing request.

[0014] Optionally, the business processing module further includes: a user configuration processing submodule;

[0015] The business processing logic includes user information configuration logic for configuring user information of each user in the business processing module; the data processing request includes a user configuration processing request;

[0016] The user configuration processing submodule is used to call the user information configuration logic to configure the user information pre-stored in the service processing module according to the user configuration processing request.

[0017] Optionally, the business processing module also includes a process engine;

[0018] The business processing logic includes process parameter configuration logic for configuring process parameters of each business process in the business processing module; the data processing request includes a process parameter configuration processing request;

[0019] The process engine is used to configure the process parameters of the corresponding business process pre-stored in the business processing module according to the process parameter configuration processing request and call the process parameter configuration logic.

[0020] Optionally, the data processing system further includes an accounting processing module;

[0021] The front-end service interface is also used to receive a processing request for account data sent by a user, and forward the processing request for account data to the account processing module;

[0022] The account processing module is used to call corresponding account processing logic from multiple types of preset account processing logics to process the account data in the processing request according to the processing request of the account data, and send the processing result of the account data to the front-end service interface; wherein, multiple types of account processing logics are set in the account processing module;

[0023] The front-end service interface sends the processing result of the accounting data to the user.

[0024] Optionally, the account processing module includes: an account management submodule;

[0025] The account processing logic includes an account management logic for managing the accounts of each user in the account processing module; the data processing request includes an account management request;

[0026] The account management submodule is used to call the account management logic to manage the user accounts pre-stored in the account processing module according to the account management request.

[0027] Optionally, the account processing module includes: a fund management submodule;

[0028] The account processing logic includes fund management logic for reconciliation management and settlement management of fund information in the account processing module; the data processing request includes a fund management request;

[0029] The fund management submodule is used to call the fund management logic to manage the fund information pre-stored in the account processing module according to the fund management request.

[0030] Optionally, the accounting processing module includes: an accounting engine;

[0031] The accounting processing logic includes an accounting business processing logic for accounting business processing; the data processing request includes an accounting processing request;

[0032] The accounting engine is used to call the accounting business processing logic to perform accounting of account data according to the accounting processing request.

[0033] Optionally, the data processing system further includes an operation and maintenance module;

[0034] The processing system further comprises:

[0035] The front-end service interface receives an operation and maintenance request sent by a user, and forwards the operation and maintenance request to the operation and maintenance module;

[0036] The operation and maintenance module performs operation and maintenance management on the business processing logic in the business processing module according to the operation and maintenance request, and returns the management result of the business processing logic to the user through the front-end service interface.

[0037] In a second aspect, an embodiment of the present application provides a data processing method, which is applicable to the data processing system described in any one of the first aspects;

[0038] The processing method comprises:

[0039] Receive processing requests for business data sent by users;

[0040] According to a processing request for business data, calling corresponding business processing logic from a plurality of preset types of business processing logic to process the business data in the processing request;

[0041] Send the processing results of business data to the user.

[0042] Optionally, the business processing logic includes a product information setting logic for setting product information for each business product; the data processing request includes a product information processing request;

[0043] Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes:

[0044] According to the product information processing request, the product information setting logic is called to set the pre-stored product information of the corresponding product.

[0045] Optionally, the business processing logic includes product quota configuration logic for configuring product quotas for each business product; the data processing request includes a product quota processing request;

[0046] Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes:

[0047] According to the product quota processing request, the product quota configuration logic is called to configure the pre-stored product quota of the corresponding product.

[0048] Optionally, the business processing logic includes a user information configuration logic for configuring user information for each user; the data processing request includes a user configuration processing request;

[0049] Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes:

[0050] According to the user configuration processing request, the user information configuration logic is called to configure the pre-stored user information.

[0051] Optionally, the business processing logic includes process parameter configuration logic for configuring process parameters of each business process; the data processing request includes a process parameter configuration processing request;

[0052] Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes:

[0053] According to the process parameter configuration processing request, the process parameter configuration logic is called to configure the pre-stored process parameters of the corresponding business process.

[0054] Optionally, also include:

[0055] Receive processing requests for account data sent by users;

[0056] According to the processing request of the accounting data, calling the corresponding accounting processing logic from the preset multiple types of accounting processing logic to process the accounting data in the processing request;

[0057] Send the processing results of the accounting data to the user.

[0058] Optionally, the account processing logic includes an account management logic for managing each user's account; the data processing request includes an account management request;

[0059] Accordingly, according to the processing request of the accounting data, the corresponding accounting processing logic is called from the preset multiple types of accounting processing logic to process the accounting data in the processing request, including:

[0060] According to the account management request, the account management logic is called to manage the pre-stored user accounts.

[0061] Optionally, the account processing logic includes a fund management logic for performing reconciliation management and settlement management on fund information in the account processing module; the data processing request includes a fund management request;

[0062] Accordingly, according to the processing request for the accounting data, calling corresponding accounting processing logic from the preset multiple types of accounting processing logic to process the accounting data in the processing request includes:

[0063] According to the fund management request, the fund management logic is called to manage the pre-stored fund information.

[0064] Optionally, the accounting processing logic includes an accounting business processing logic for accounting business processing; the data processing request includes an accounting processing request;

[0065] Accordingly, according to the processing request of the accounting data, the corresponding accounting processing logic is called from the preset multiple types of accounting processing logic to process the accounting data in the processing request, including:

[0066] According to the accounting processing request, the accounting business processing logic is called to perform accounting of the account data.

[0067] Optionally, also include:

[0068] Receive operation and maintenance requests sent by users;

[0069] The business processing logic is operated and maintained according to the operation and maintenance request, and the management result of the business processing logic is returned to the user.

[0070] In a third aspect, the present application provides an electronic device, including: at least one processor and a memory;

[0071] The memory stores computer-executable instructions;

[0072] The at least one processor executes the computer-executable instructions stored in the memory, so that the at least one processor executes the data processing method described in the second aspect.

[0073] In a fourth aspect, the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions. When a processor executes the computer-executable instructions, the data processing method described in the second aspect is implemented.

[0074] The data processing method, system, electronic device and storage medium provided in the embodiments of the present application are characterized in that, through the data processing method, the data processing method is applicable to a data processing system, and the data processing system includes a front-end service interface and a business processing module; wherein the front-end service interface receives a processing request for business data sent by a user, and forwards the processing request for the business data to the business processing module; the business processing module calls the corresponding business processing logic from a plurality of preset types of business processing logics according to the processing request for the business data to process the business data in the processing request, and sends the processing result of the business data to the front-end service interface; wherein a plurality of types of business processing logics are set in the business processing module; the front-end service interface sends the processing result of the business data to the user, thereby providing users including financial institutions with a platform for developing online loan business, facilitating their processing of online loan business data and maintaining the automated flow of business data, effectively improving the processing efficiency and maintenance efficiency of business data, and saving labor costs. BRIEF DESCRIPTION OF THE DRAWINGS

[0075] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0076] Figure 1 A schematic diagram of a network architecture on which the present disclosure is based;

[0077] Figure 2 A schematic diagram of the structure of a data processing system provided in an embodiment of the present application;

[0078] Figure 3 A schematic diagram of the structure of another data processing system provided in an embodiment of the present application;

[0079] Figure 4 A structural diagram of another data processing system provided in an embodiment of the present application;

[0080] Figure 5 It is a flowchart of a data processing method provided by this application;

[0081] Figure 6 A flowchart of another data processing method provided for this application;

[0082] Figure 7 A flowchart of another data processing method provided by the present application;

[0083] Figure 8 A schematic diagram of the structure of an electronic device according to an embodiment of the present application.

[0084] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0085] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of systems and methods consistent with some aspects of the present application as detailed in the appended claims.

[0086] Loan business is an important part of the financial industry. With the development of Internet technology, it has become a trend to conduct loan business through online services.

[0087] In the existing technology, the business processes of loan business still need to be implemented offline, that is, financial institutions need to process loan application business, account settlement and other processes offline. Obviously, this will be very unfavorable to the development of loan business.

[0088] refer to Figure 1 , Figure 1 A schematic diagram of a network architecture based on this application, Figure 1 The network architecture shown may specifically include a terminal 1 and a server 2 .

[0089] The terminal 1 may be a hardware device including a user's mobile phone, a desktop computer, a smart home device, a tablet computer, etc., and a client is carried on the terminal 1. Based on the user role of the terminal 1, the terminal 1 may be a transaction party of an external institution connected to the financial institution, the financial institution itself, or a friendly business cooperating with the financial institution.

[0090] The server 2 may be hardware that carries a data processing system, which may be set up in a cloud server and interact with the terminal 1 through a network. The data processing system in the server 2 may provide the aforementioned data processing operation interface on the client of the terminal 1, so that the user may initiate various processing requests based on the data processing operation interface to realize corresponding business processing functions.

[0091] Embodiment 1

[0092] Figure 2 A structural diagram of a data processing system provided in an embodiment of the present application is shown in FIG. Figure 2 As shown, the data processing system includes: a front-end service interface 10 and a business processing module 20;

[0093] The front-end service interface 10 is used to receive a service data processing request sent by a user, and forward the service data processing request to the service processing module 20;

[0094] The business processing module 20 is used to call the corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request according to the processing request of the business data, and send the processing result of the business data to the front-end service interface 10; wherein, multiple types of business processing logic are set in the business processing module 20.

[0095] The front-end service interface 10 is used to send the processing result of the service data to the user.

[0096] That is to say, the client of each terminal can be connected to the front-end service interface 10 of different types of interfaces to achieve data interaction of different business data or different processing requests.

[0097] For example, when a processing request for business data processing such as credit, loan, and inquiry initiated by a client is received through the business interface in the front-end service interface 10, it can forward the processing request to the corresponding business processing logic of the business processing module 20, so that the business processing module 20 can realize data processing such as credit, loan, and inquiry between the user end, and return the processing result to the client through the business interface;

[0098] When a processing request for business data such as loan issuance, repayment, batch deduction, etc. initiated by the client is received through the transaction interface in the front-end service interface 10, the front-end service interface 10 can forward it to the corresponding business processing logic in the business processing module 20, so that the business processing module 20 can realize data processing such as loan issuance, repayment, batch deduction, etc. between the client and return the processing result to the client through the transaction interface.

[0099] When a business processing request for account entry and reconciliation is received through the account processing interface in the front-end service interface 10, it can forward the processing request to the corresponding business processing logic of the business processing module 20, so that the business processing module 20 can implement data processing such as account entry and reconciliation between the client and the client, and return the processing result to the client through the account processing interface.

[0100] When a business processing request for credit data query and credit information data query is received through the data query interface in the front-end service interface 10, it can forward the processing request to the corresponding business processing logic of the business processing module 20, so that the business processing module 20 can implement data processing such as business processing requests for credit data query and credit information data query between the client and the business processing module 20, and return the processing results to the client through the data query interface.

[0101] Of course, a process combination processing interface can also be set in the front-end service interface 10 to be used for effective configuration or process operation and maintenance of various business processing parameters in the business processing module 20, so as to facilitate financial institutions to maintain various businesses or business processes or processing processes in the business processing module 20.

[0102] The following describes the processing of each business data separately:

[0103] In an optional embodiment, the business processing module 20 includes a product information processing submodule; the business processing logic includes a product information setting logic for setting product information for each business product in the business processing module 20; the data processing request includes a product information processing request;

[0104] The product information processing submodule is used to call the product information setting logic to set the product information of the corresponding product pre-stored in the business processing module 20 according to the product information processing request.

[0105] Specifically, the business processing module 20 includes a product information processing sub-module, in which product information setting logic for setting product information for each business product is set. The user can forward the product information processing request to the product information processing sub-module through the front-end service interface 10, so that the product information processing sub-module calls the product information setting therein to set the product information of each product running in the business processing module 20, such as setting the product parameters and product definitions of the product.

[0106] In an optional embodiment, the business processing module 20 further includes: a quota processing submodule;

[0107] The business processing logic includes product quota configuration logic for configuring product quotas for each business product in the business processing module 20; the data processing request includes a product quota processing request;

[0108] The credit processing submodule is used to call the product credit configuration logic to configure the product credit of the corresponding product pre-stored in the business processing module 20 according to the product credit processing request.

[0109] Specifically, the credit limit processing submodule is provided with product credit limit configuration logic for configuring product credit limits for each business product. The user can forward the product credit limit processing request to the credit limit processing submodule through the front-end service interface 10, so that the credit limit processing submodule calls the product credit limit configuration logic therein to configure the credit limit information of each product running in the business processing module, such as setting the product credit limit classification, credit limit monitoring, credit limit generation, credit limit query, etc.

[0110] In an optional embodiment, the business processing module 20 further includes: a user configuration processing submodule;

[0111] The business processing logic includes user information configuration logic for configuring user information of each user in the business processing module 20; the data processing request includes a user configuration processing request;

[0112] The user configuration processing submodule is used to call the user information configuration logic to configure the user information pre-stored in the service processing module 20 according to the user configuration processing request.

[0113] Specifically, the user configuration processing submodule is provided with user information configuration logic for configuring user information of each user in the business processing module. The user can forward the user configuration processing request to the user configuration processing submodule through the front service interface 10, so that the user configuration processing submodule calls the user information configuration logic therein to configure the user information pre-stored in the business processing module: which may include information configuration of partners, such as management and maintenance of basic information of partners, including uploading of relevant image files of partners, uploading of partner agreements and maintenance of account information related to agreements; and also includes information configuration of customers, such as querying basic customer information, credit information, loan information, repayment plan, repayment information, image information, etc., supporting full-view query of customer online loan business and import management of black / white / gray lists, as well as list verification when submitting documents, etc.

[0114] In an optional embodiment, the business processing module 20 further includes a process engine;

[0115] The business processing logic includes a process parameter configuration logic for configuring process parameters of each business process in the business processing module 20; the data processing request includes a process parameter configuration processing request;

[0116] The process engine is used to configure the process parameters of the corresponding business process pre-stored in the business processing module 20 according to the process parameter configuration processing request and call the process parameter configuration logic.

[0117] Specifically, the process engine is provided with process parameter configuration logic for configuring process parameters of each business process in the business processing module 20, and the user can send a process parameter configuration processing request to the process engine through the front-end service interface 10, so that the process engine calls the process parameter configuration logic therein to configure the process parameters of each business process in the business processing module 20. Specifically, it may include credit limit approval, repayment management, extension management, pre-credit, loan management and write-off management.

[0118] Through the above sub-modules, the business processing module 20 can separately process different types of processing requests for different types of business data initiated by different users, and realize the processing of information such as various business processes and business products in the business processing module 20.

[0119] Based on the above embodiments, Figure 3 A structural diagram of another data processing system provided in an embodiment of the present application is shown in FIG. Figure 3 As shown, the data processing system further includes an account processing module 30;

[0120] The front-end service interface 10 is also used to receive a processing request for account data sent by a user, and forward the processing request for account data to the account processing module 30;

[0121] The account processing module 30 is used to call corresponding account processing logic from multiple types of preset account processing logics to process the account data in the processing request according to the processing request of the account data, and send the processing result of the account data to the front-end service interface 10; wherein, multiple types of account processing logics are set in the account processing module 30;

[0122] The front-end service interface 10 sends the processing result of the accounting data to the user.

[0123] It is known that the front-end service interface 10 can also specifically receive a processing request for account data sent by a user, and forward the processing request for the account data to the account processing module 30. In the embodiment of the present application, the processing request for account data forwarded to the account processing module 30 should include a request for account processing based on the online loan business data, and a request for configuring the processing flow of each account information in the business processing module 20. The account processing logic includes the account management logic for managing the accounts of each user in the account processing module; the data processing request includes the account management request.

[0124] In an optional embodiment, the account processing module 30 includes: an account management submodule;

[0125] The account processing logic includes an account management logic for managing the accounts of each user in the account processing module 30; the data processing request includes an account management request;

[0126] The account management submodule is used to call the account management logic to manage the user accounts pre-stored in the account processing module 30 according to the account management request.

[0127] Specifically, the account management submodule is provided with an account management logic for managing the accounts of each user in the account processing module 30. The user can forward the account management request to the account management submodule through the front-end service interface 10, so that the user configuration processing submodule calls the account management logic therein to manage the user accounts pre-stored in the account processing module 30: which may specifically include account information management, account transaction flow query, account accounting voucher management, and account division and merging management.

[0128] In an optional embodiment, the account processing module 30 includes: a fund management submodule;

[0129] The account processing logic includes a fund management logic for reconciliation management and settlement management of fund information in the account processing module 30; the data processing request includes a fund management request;

[0130] The fund management submodule is used to call the fund management logic to manage the fund information pre-stored in the account processing module 30 according to the fund management request.

[0131] Specifically, the fund management submodule is provided with fund management logic for reconciliation management and settlement management of fund information. The user can forward the fund management request to the fund management submodule through the front-end service interface 10, so that the fund management submodule calls the fund management logic to manage the fund information pre-stored in the account processing module 30: which may specifically include reconciliation management, fund adjustment management and clearing and settlement management of funds.

[0132] In an optional embodiment, the accounting processing module 30 includes: an accounting engine;

[0133] The accounting processing logic includes an accounting business processing logic for accounting business processing; the data processing request includes an accounting processing request;

[0134] The accounting engine is used to call the accounting business processing logic to perform accounting of account data according to the accounting processing request.

[0135] Specifically, an accounting business processing logic for accounting business processing is set in the accounting engine. The user can forward the accounting processing request to the accounting engine through the front-end service interface 10, so that the accounting engine calls the accounting business processing logic to perform accounting of account data: which may specifically include entry flow, historical balance, total and sub-reconciliation, accounting daily cutting, subject summary and account balance.

[0136] Based on the above embodiments, Figure 4 A structural diagram of another data processing system provided in an embodiment of the present application is as follows: Figure 4 As shown, the data processing system further includes an operation and maintenance module 40;

[0137] The front-end service interface 10 receives an operation and maintenance request sent by a user, and forwards the operation and maintenance request to the operation and maintenance module 40;

[0138] The operation and maintenance module 40 performs operation and maintenance management on the business processing logic in the business processing module 20 according to the operation and maintenance request, and returns the management result of the business processing logic to the user through the front-end service interface 10.

[0139] Specifically, operation and maintenance management involves multiple aspects, such as platform operation and maintenance, database operation and maintenance, service management, rule operation and maintenance in the engine, task scheduling, business monitoring, etc. Based on different operation and maintenance requests, the operation and maintenance module 40 can orchestrate business access, business management, process approval, authority management, and processes; manage the creation, editing, query, and deletion of businesses, manage the creation, editing, query, and deletion of processes, manage the query of process instances and the management of node templates, approve the creation and modification of processes, manage the authority of auditors and process authorities, and orchestrate the credit, loan, and adjustment processes of online loans, etc.

[0140] The data processing system provided in the embodiment of the present application includes a front-end service interface and a business processing module; wherein the front-end service interface receives a processing request for business data sent by a user, and forwards the processing request for the business data to the business processing module; the business processing module calls the corresponding business processing logic from a plurality of preset types of business processing logics according to the processing request for the business data to process the business data in the processing request, and sends the processing result of the business data to the front-end service interface; wherein the business processing module is provided with a plurality of types of business processing logics; the front-end service interface sends the processing result of the business data to the user, thereby providing users including financial institutions with a platform for developing online loan business, facilitating their processing of online loan business data and maintaining the entire flow of business data.

[0141] Embodiment 2

[0142] Corresponding to the data processing system of the above embodiment, Figure 5 It is a flow chart of a data processing method provided by this application, such as Figure 5 As shown, the method includes:

[0143] Step 101: Receive a request for processing business data sent by a user.

[0144] Step 102: According to a processing request for business data, corresponding business processing logic is called from a plurality of preset types of business processing logic to process the business data in the processing request.

[0145] Step 103: Send the processing result of the business data to the user.

[0146] It should be noted that the execution entity of the data processing method provided in this application is Figure 2 The data processing system shown can be specifically arranged in the electronic device on which the aforementioned server is based.

[0147] Specifically, in the data processing method provided by the present application, the user can establish a communication connection with the data processing system provided by the present application through the client in the user terminal to obtain a business data processing interface. In the business data processing interface, the user can process various business data according to his own needs.

[0148] Specifically, the data processing system can establish a connection with the client of each of the aforementioned terminals, and receive the client's request for processing business data, and according to the data type of the received business data or the processing content of the processing request, call the corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request, and generate corresponding processing results. Finally, the data processing system can send the processing results of the business data to the user through the front-end service interface 10 for the user to obtain.

[0149] Among them, combined with the system architecture, the front-end service interface of the data processing system can adopt different types of interfaces to connect to different types of processing requests or different types of business data, which may include business interface, business transaction interface, accounting processing interface, data query interface and process combination processing interface, etc.

[0150] That is to say, the client of each terminal can connect with the front-end service interface of different types of interfaces to realize data interaction of different business data or different processing requests. For example, when receiving a processing request for business data processing such as credit, loan, query, etc. initiated by the client, it can call the corresponding business processing logic of credit, loan, query to realize data processing such as credit, loan, query, etc. between the user end, and return the processing result to the client;

[0151] When a request for processing business data such as loan, repayment, batch deduction, etc. initiated by the client is received, the corresponding business processing logic of loan, repayment, batch deduction, etc. is called to implement the loan, repayment, batch deduction, etc. data processing between the client and the client, and the processing result is returned to the client.

[0152] When a business processing request for account entry and reconciliation is received, the corresponding account entry and reconciliation business processing logic is called to implement data processing such as account entry and reconciliation between the client and the client, and the processing result is returned to the client.

[0153] When a business processing request for credit data query and credit information data query is received, the corresponding business processing logic of credit data query and credit information data query is called to implement data processing such as business processing requests for credit data query and credit information data query between the client and the client, and the processing results are returned to the client.

[0154] The following describes the processing of each business data separately:

[0155] In an optional implementation manner, the business processing logic includes a product information setting logic for setting product information for each business product in the business processing module; the data processing request includes a product information processing request;

[0156] Step 102 may specifically be to call the product information setting logic to set the pre-stored product information of the corresponding product according to the product information processing request.

[0157] The product information of each product running in the business processing module is set by calling the product information setting logic, such as setting the product parameters and product definitions of the product.

[0158] In an optional implementation manner, the business processing logic includes a product quota configuration logic for configuring product quotas for each business product in the business processing module; the data processing request includes a product quota processing request;

[0159] Step 102 may specifically be to call the product quota configuration logic to configure the pre-stored product quota of the corresponding product according to the product quota processing request.

[0160] By calling the product quota configuration logic, the quota information of each product running in the business processing module can be configured, such as setting the product quota classification, quota monitoring, quota generation, quota query, etc.

[0161] In an optional implementation manner, the business processing logic includes user information configuration logic for user information configuration performed by each user; the data processing request includes a product quota processing request;

[0162] Step 102 may specifically be to call the user information configuration logic to configure the pre-stored user information according to the user configuration processing request.

[0163] The user information pre-stored in the business processing module is configured by calling the user information configuration logic: which may include the information configuration of the partner, such as the management and maintenance of the basic information of the partner, including the uploading of relevant image files of the partner, and the uploading of the partner agreement and the maintenance of the account information related to the agreement; it also includes the information configuration of the customer, such as querying the customer's basic information, credit information, loan information, repayment plan, repayment information, image information, etc., supporting full-view query of customer online loan business and black / white / grey list import management, as well as list verification when submitting documents, etc.

[0164] In an optional implementation, the business processing logic includes process parameter configuration logic for configuring process parameters of each business process in the business processing module; the data processing request includes a process parameter configuration processing request;

[0165] Step 102 may specifically be to configure the process parameters of the corresponding pre-stored business process according to the process parameter configuration processing request and call the process parameter configuration logic.

[0166] The process parameters of each business process in the business processing module are configured by calling the process parameter configuration logic. Specifically, it may include credit limit approval, repayment management, extension management, pre-credit, loan management and write-off management.

[0167] Through the above-mentioned processing flows, the business processing system can separately process different types of processing requests for different types of business data initiated by different users.

[0168] In other optional embodiments, the business processing system can also process account-related data. Figure 3 A flow chart of another data processing method provided in this application is shown in Figure 2 Based on the method flow shown, the data processing method also includes:

[0169] Step 201: receiving a request for processing account data sent by a user;

[0170] Step 202: according to the processing request of the accounting data, calling the corresponding accounting processing logic from the preset multiple types of accounting processing logic to process the accounting data in the processing request;

[0171] Step 203: Send the processing result of the account data to the user.

[0172] The data processing system can also receive processing requests for account data sent by users. The processing requests for account data should include requests based on account processing related to online loan business data, as well as requests for configuring the processing flow of various account information in the business processing module.

[0173] Specifically, the account processing logic includes account management logic for managing the accounts of each user in the account processing module; the data processing request includes an account management request;

[0174] Accordingly, step 202 includes calling the account management logic to manage the pre-stored user account according to the account management request.

[0175] The user accounts pre-stored in the account processing module are managed by calling the account management logic: specifically, it may include account information management, account transaction flow query, account accounting voucher management, and account division and merging management.

[0176] In other optional embodiments, the account processing logic includes a fund management logic for performing reconciliation management and settlement management on fund information in the account processing module; the data processing request includes a fund management request;

[0177] Correspondingly, step 202 specifically includes calling the fund management logic to manage the pre-stored fund information according to the fund management request.

[0178] The fund information pre-stored in the account processing module is managed by calling the fund management logic, which may specifically include fund reconciliation management, fund adjustment management, and clearing and settlement management.

[0179] In other optional embodiments, the accounting processing logic includes an accounting business processing logic for accounting business processing; the data processing request includes an accounting processing request;

[0180] Correspondingly, step 202 includes calling the accounting business processing logic to perform accounting of the account data according to the accounting processing request.

[0181] The accounting business processing logic is called to realize the accounting of business data: among which, it may specifically include the entry flow, historical balance, total and sub-check, accounting day cut, subject summary and account balance.

[0182] Figure 4 A flowchart of another data processing method provided in this application is shown in Figure 2 or Figure 3 Based on the method flow shown, the data processing method also includes:

[0183] Step 301: receiving an operation and maintenance request sent by a user;

[0184] Step 302: Perform operation and maintenance management on the business processing logic according to the operation and maintenance request, and return the management result of the business processing logic to the user.

[0185] Specifically, operation and maintenance management involves multiple aspects, such as platform operation and maintenance, database operation and maintenance, service control, rule operation and maintenance in the engine, task scheduling, business monitoring, etc. Based on different operation and maintenance requests, the operation and maintenance module can orchestrate business access, business management, process approval, authority management, and processes; manage the creation, editing, query, and deletion of businesses, the creation, editing, query, and deletion of processes, the query of process instances and the management of node templates, the approval management of created and modified processes, the authority management of reviewers and process authorities, and the orchestration management of credit, loan issuance, and adjustment processes for online loans, etc.

[0186] The data processing method provided in the embodiment of the present application receives a processing request for business data sent by a user, and based on the processing request for business data, calls corresponding business processing logic from a plurality of preset types of business processing logic to process the business data in the processing request, and sends the processing result of the business data to the user, thereby providing users including financial institutions with a platform for developing online loan business, facilitating them to process online loan business data and maintain the entire flow of business data.

[0187] Embodiment 3

[0188] Figure 8 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention, such as Figure 8 As shown, an embodiment of the present invention further provides an electronic device 1400, including: a memory 1401, a processor 1402 and a computer program.

[0189] The computer program is stored in the memory 1401 and is configured to be executed by the processor 1402 to implement the data processing method provided by any embodiment of the present invention. The relevant description can be understood by referring to the relevant descriptions and effects corresponding to the steps in the accompanying drawings, and no further details are given here.

[0190] In this embodiment, the memory 1401 and the processor 1402 are connected via a bus.

[0191] Embodiment 4

[0192] An embodiment of the present invention provides a computer-readable storage medium on which a computer program is stored. The computer program is executed by a processor to implement the data processing method provided by any embodiment of the present invention.

[0193] In the several embodiments provided by the present invention, it should be understood that the disclosed systems and methods can be implemented in other ways. For example, the system embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of systems or modules, which can be electrical, mechanical or other forms.

[0194] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0195] In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist physically separately, or two or more modules may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0196] The program code for implementing the method of the present invention can be written in any combination of one or more programming languages. These program codes can be provided to a processor or controller of a general-purpose computer, a special-purpose computer or other programmable data processing system, so that the program code, when executed by the processor or controller, enables the functions / operations specified in the flow chart and / or block diagram to be implemented. The program code can be executed entirely on the machine, partially on the machine, partially on the machine as a stand-alone software package and partially on a remote machine, or entirely on a remote machine or server.

[0197] In the context of the present invention, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, system, or device. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, system, or device, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0198] In addition, although each operation is described in a specific order, this should be understood as requiring such operation to be performed in the specific order shown or in a sequential order, or requiring that all illustrated operations should be performed to obtain desired results. Under certain circumstances, multitasking and parallel processing may be advantageous. Similarly, although some specific implementation details are included in the above discussion, these should not be interpreted as limiting the scope of the present disclosure. Some features described in the context of a separate embodiment can also be implemented in a single implementation in combination. On the contrary, the various features described in the context of a single implementation can also be implemented in multiple implementations individually or in any suitable sub-combination mode.

[0199] Although the subject matter has been described in language specific to structural features and / or methodological logical actions, it should be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or actions described above. On the contrary, the specific features and actions described above are merely example forms of implementing the claims.

Claims

1. A data processing system, characterized in that: include: Front-end service interface and business processing module; The front-end service interface is used to receive a processing request for service data sent by a user, and forward the processing request for service data to a service processing module; The business processing module is used to call the corresponding business processing logic from the preset multiple types of business processing logic according to the processing request of the business data to process the business data in the processing request, and send the processing result of the business data to the front-end service interface; wherein, multiple types of business processing logic are set in the business processing module, when the business interface in the front-end service interface receives a processing request for credit, loan or query business data processing initiated by the client, the front-end service interface forwards the processing request to the corresponding business processing logic of the business processing module, so that the business processing module realizes data processing such as credit, loan, query, etc. between the user end, and returns the processing result to the client through the business interface; The front-end service interface is used to send the processing result of the business data to the user; The business processing module includes a product information processing submodule; the business processing logic includes a product information setting logic for setting product information for each business product in the business processing module; the data processing request includes a product information processing request; The product information processing submodule is used to call the product information setting logic to set the product information of the corresponding product pre-stored in the business processing module according to the product information processing request; The business processing module also includes a process engine; The business processing logic includes process parameter configuration logic for configuring process parameters of each business process in the business processing module; the data processing request includes a process parameter configuration processing request; The process engine is used to configure the processing request according to the process parameter configuration, and call the process parameter configuration logic to configure the process parameters of the corresponding business process pre-stored in the business processing module; the business process includes credit limit approval, repayment management, extension management, pre-credit, loan management and write-off management.

2. The data processing system according to claim 1, characterized in that The business processing module also includes: a quota processing submodule; The business processing logic includes product quota configuration logic for configuring product quotas for each business product in the business processing module; the data processing request includes a product quota processing request; The quota processing submodule is used to call the product quota configuration logic to configure the product quota of the corresponding product pre-stored in the business processing module according to the product quota processing request.

3. The data processing system according to claim 1, characterized in that: The business processing module also includes: a user configuration processing submodule; The business processing logic includes user information configuration logic for configuring user information of each user in the business processing module; the data processing request includes a user configuration processing request; The user configuration processing submodule is used to call the user information configuration logic to configure the user information pre-stored in the service processing module according to the user configuration processing request.

4. The data processing system according to claim 1, characterized in that: The data processing system also includes an account processing module; The front-end service interface is also used to receive a processing request for account data sent by a user, and forward the processing request for account data to the account processing module; The account processing module is used to call corresponding account processing logic from multiple types of preset account processing logics to process the account data in the processing request according to the processing request of the account data, and send the processing result of the account data to the front-end service interface; wherein, multiple types of account processing logics are set in the account processing module; The front-end service interface sends the processing result of the accounting data to the user.

5. The data processing system according to claim 4, characterized in that: The account processing module includes: an account management submodule; The account processing logic includes an account management logic for managing the accounts of each user in the account processing module; the data processing request includes an account management request; The account management submodule is used to call the account management logic to manage the user accounts pre-stored in the account processing module according to the account management request.

6. The data processing system according to claim 4, characterized in that: The account processing module includes: a fund management submodule; The account processing logic includes fund management logic for reconciliation management and settlement management of fund information in the account processing module; the data processing request includes a fund management request; The fund management submodule is used to call the fund management logic to manage the fund information pre-stored in the account processing module according to the fund management request.

7. The data processing system according to claim 4, characterized in that: The accounting processing module includes: an accounting engine; The accounting processing logic includes an accounting business processing logic for accounting business processing; the data processing request includes an accounting processing request; The accounting engine is used to call the accounting business processing logic to perform accounting of account data according to the accounting processing request.

8. The data processing system according to any one of claims 1 to 7, characterized in that: The data processing system also includes an operation and maintenance module; The processing system further comprises: The front-end service interface receives an operation and maintenance request sent by a user, and forwards the operation and maintenance request to the operation and maintenance module; The operation and maintenance module performs operation and maintenance management on the business processing logic in the business processing module according to the operation and maintenance request, and returns the management result of the business processing logic to the user through the front-end service interface.

9. A data processing method, characterized in that: The processing method is applicable to the data processing system according to any one of claims 1 to 8; The processing method comprises: Receive processing requests for business data sent by users; According to a processing request for business data, calling corresponding business processing logic from a plurality of preset types of business processing logic to process the business data in the processing request; Send the processing results of business data to users; The business processing logic includes a product information setting logic for setting product information for each business product; the data processing request includes a product information processing request; Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes: According to the product information processing request, calling the product information setting logic to set the pre-stored product information of the corresponding product; The business processing logic includes process parameter configuration logic for configuring process parameters of each business process; the data processing request includes a process parameter configuration processing request; Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes: According to the process parameter configuration processing request, the process parameter configuration logic is called to configure the process parameters of the pre-stored corresponding business process; the business process includes credit limit approval, repayment management, extension management, pre-credit, loan management and write-off management.

10. The data processing method according to claim 9, characterized in that: The business processing logic includes product quota configuration logic for configuring product quotas for each business product; the data processing request includes a product quota processing request; Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes: According to the product quota processing request, the product quota configuration logic is called to configure the pre-stored product quota of the corresponding product.

11. The data processing method according to claim 9, characterized in that: The business processing logic includes a user information configuration logic for configuring user information for each user; the data processing request includes a user configuration processing request; Accordingly, according to the processing request of the business data, calling corresponding business processing logic from the preset multiple types of business processing logic to process the business data in the processing request includes: According to the user configuration processing request, the user information configuration logic is called to configure the pre-stored user information.

12. The data processing method according to claim 9, characterized in that: Also includes: Receive processing requests for account data sent by users; According to the processing request of the accounting data, calling the corresponding accounting processing logic from the preset multiple types of accounting processing logic to process the accounting data in the processing request; The processing results of the accounting data are sent to the user.

13. The data processing method according to claim 12, characterized in that: The account processing logic includes an account management logic for managing each user's account; the data processing request includes an account management request; Accordingly, according to the processing request of the accounting data, the corresponding accounting processing logic is called from the preset multiple types of accounting processing logic to process the accounting data in the processing request, including: According to the account management request, the account management logic is called to manage the pre-stored user accounts.

14. The data processing method according to claim 12, characterized in that: The account processing logic includes fund management logic for reconciliation management and settlement management of fund information in the account processing module; the data processing request includes a fund management request; Accordingly, according to the processing request for the accounting data, calling corresponding accounting processing logic from the preset multiple types of accounting processing logic to process the accounting data in the processing request includes: According to the fund management request, the fund management logic is called to manage the pre-stored fund information.

15. The data processing method according to claim 12, characterized in that: The accounting processing logic includes an accounting business processing logic for accounting business processing; the data processing request includes an accounting processing request; Accordingly, according to the processing request of the accounting data, the corresponding accounting processing logic is called from the preset multiple types of accounting processing logic to process the accounting data in the processing request, including: According to the accounting processing request, the accounting business processing logic is called to perform accounting of the account data.

16. The data processing method according to any one of claims 9 to 15, characterized in that: Also includes: Receive operation and maintenance requests sent by users; The business processing logic is operated and maintained according to the operation and maintenance request, and the management result of the business processing logic is returned to the user.

17. An electronic device, characterized in that: include: at least one processor and memory; The memory stores computer-executable instructions; The at least one processor executes the computer-executable instructions stored in the memory, so that the at least one processor performs the data processing method according to any one of claims 9 to 16.

18. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions. When the processor executes the computer-executable instructions, the data processing method according to any one of claims 9 to 16 is implemented.

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