Credit certificate data processing method, device and system

Abstract

The present invention provides a credit certificate data processing method, device and system, which relates to the field of data processing technology. The method is applied to a computing end, and includes: obtaining business data; generating business source data according to the business data; generating a credit header data group and a credit detail data group according to the business source data; generating credit certificate service data according to the credit header data group and the credit detail data group, so that the processing end generates a credit certificate data processing result according to the credit certificate service data. The present invention automatically processes the business data to obtain the credit certificate service data, provides data information to the processing end, and improves the accuracy and efficiency of business handling.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device and system for processing credit certificate data. Background Art

[0002] At present, there is a business demand for banks to issue credit certificates during the bidding process. According to the survey of different regions, the approval authority is usually in the second-level branch. The annual business volume of a normal-sized second-level bank ranges from 200 to 300, and as many as more than 1,000. The bank preliminarily estimates that there are about 50,000 business transactions per year. The bank's credit certificate business has always been in the offline manual processing stage. It usually takes three to five working days to issue a credit certificate for a customer. The business processing process of issuing a credit certificate is time-consuming and labor-intensive, and the accuracy of the business processing results cannot be guaranteed. Summary of the invention

[0003] The present invention provides a credit certificate data processing method, device and system, which can improve the accuracy and efficiency of business handling and effectively prevent and control business risks.

[0004] In the first aspect, an embodiment of the present invention provides a method for processing credit certification data, which is applied to a computing end, and the method includes: acquiring business data; generating business source data based on the business data; generating a credit header data group and a credit detail data group based on the business source data; generating credit certification service data based on the credit header data group and the credit detail data group, so that the processing end generates a credit certification data processing result based on the credit certification service data.

[0005] In a second aspect, an embodiment of the present invention further provides a method for processing credit certificate data, which is applied to a processing end, and the method includes: obtaining credit certificate application data; querying credit certificate service data based on the credit certificate application data to obtain a credit certificate data processing result.

[0006] In a third aspect, an embodiment of the present invention further provides a credit certificate data processing system, comprising a computing end, a processing end and a seal end; the computing end comprises the above-mentioned credit certificate data processing device; the processing end comprises the above-mentioned credit certificate data processing device.

[0007] In a fourth aspect, an embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned credit certificate data processing method when executing the computer program.

[0008] In a fifth aspect, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the above-mentioned credit certificate data processing method.

[0009] The embodiment of the present invention brings the following beneficial effects: The embodiment of the present invention provides a credit certification data processing scheme, firstly obtains business data; then generates business source data according to the business data; generates a credit header data group and a credit detail data group according to the business source data; finally, generates credit certification service data according to the credit header data group and the credit detail data group, so that the processing end generates a credit certification data processing result according to the credit certification service data. The embodiment of the present invention can automatically process business data, obtain credit certification service data, provide data information for the processing end, and improve the accuracy and efficiency of business handling.

[0010] Other features and advantages of the present invention will be described in the following description, and partly become apparent from the description, or understood by practicing the present invention. The purpose and other advantages of the present invention are realized and obtained by the structures particularly pointed out in the description, claims and drawings.

[0011] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, preferred embodiments are given below and described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0013] Figure 1 A flow chart of a method for processing credit certificate data provided by an embodiment of the present invention;

[0014] Figure 2 A schematic diagram of an implementation architecture of a credit certification data processing method provided in an embodiment of the present invention;

[0015] Figure 3 A schematic diagram of the data processing process of the credit certificate data processing method provided in an embodiment of the present invention;

[0016] Figure 4 A schematic diagram of a data sorting process of a credit certificate data processing method provided in an embodiment of the present invention;

[0017] Figure 5 A schematic diagram of a process for generating credit certificate data processing results provided by an embodiment of the present invention;

[0018] Figure 6 A structural block diagram of a computing end credit certification data processing device provided in an embodiment of the present invention;

[0019] Figure 7 A structural block diagram of a credit certificate data processing device provided by a processing end in accordance with an embodiment of the present invention;

[0020] Figure 8 A structural block diagram of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0021] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution of the present invention will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0022] At present, the credit certificate business has been in the stage of manual processing offline. From the perspective of customer experience, it is time-consuming and the experience is poor. After receiving the certificate, it is impossible to check the authenticity. For banks, it is time-consuming and laborious for account managers to handle the credit certificate business, and the accuracy of the business cannot be guaranteed, lacking effective business management.

[0023] For banks, there are the following pain points in issuing credit certification data:

[0024] 1. Time-consuming and laborious: Issuing a credit certificate requires reviewing multiple credit business data of the customer, and requires approval from multiple business departments. However, the credit certificate is a purely free service and cannot generate income for the handling agency. It is time-consuming and laborious.

[0025] 2. Business accuracy cannot be guaranteed: Customer credit information is manually checked by the handling personnel, and there is a lack of unified management, so the accuracy of business handling cannot be guaranteed.

[0026] 3. There are blind spots in business management: The credit certification business data of the entire bank cannot be automatically counted by the system, resulting in blind spots in business management.

[0027] For customers, there are the following pain points:

[0028] 1. Time-consuming and poor user experience: Currently, it usually takes 3 to 5 working days to issue a credit certificate, which is time-consuming. Customers need to go back and forth to the outlets many times, and the user experience is poor.

[0029] 2. Unable to verify authenticity: After the credit certificate is issued, the customer cannot verify its authenticity.

[0030] Based on this, the embodiment of the present invention provides a credit certificate data processing method, device and system, which integrates the multi-component data information of the whole bank, builds an automatic credit certificate issuance model, realizes one-click approval, and can be obtained immediately, and provides customers with multi-channel self-service authenticity verification functions to improve the accuracy and efficiency of business handling. This solution can shorten the credit certificate business processing time from the current 3-5 working days to about 5 minutes, greatly reducing the workload of business processing personnel and improving customer experience. The customer's credit status is changed from manual inspection by the current processing personnel to automatic data acquisition by the system, and the approval process is changed from offline manual approval layer by layer to online approval by the system. The automatic approval model of credit certificates integrates the multi-component data information of the whole bank, improves the accuracy of business handling, and effectively prevents and controls business risks. Provide multiple internal channels such as bank websites, official WeChat corporate accounts, STMs, etc. to self-service verification of the authenticity of credit certificates.

[0031] To facilitate understanding of this embodiment, a credit certification data processing method disclosed in an embodiment of the present invention is first introduced in detail.

[0032] First, the terms involved are explained.

[0033] Credit certificate: refers to a written certificate of credit status of a person designated by the applicant provided by the bank to the applicant upon application.

[0034] Greenplum: is a distributed database that supports massive data storage and processing.

[0035] The present invention provides a method for processing credit certificate data. Figure 1 A flow chart of a credit certificate data processing method is shown, the method comprising the following steps:

[0036] Step S102, obtaining business data.

[0037] In the embodiment of the present invention, the business data includes at least the end-of-day data of product and service components such as the blacklist component, the public deposit component, the customer information component, the customer settlement component, the public credit component, the credit investigation component and the anti-money laundering component. The business data includes all available business data in the target business system. The target business system can be selected according to actual needs.

[0038] Step S104, generating business source data according to the business data.

[0039] In the embodiment of the present invention, the original business data exists in each product service component. The business data is first extracted to the cache area, and then the business data in the cache area is processed and loaded into the paste source data area to obtain the business paste source data. Compared with the business data, the business paste source data adds time information, etc., so as to facilitate subsequent data calculation.

[0040] It should be noted that the business data in the buffer area can be loaded into the source data area through job scheduling.

[0041] Step S106, generating a credit header data group and a credit detail data group according to the business post source data.

[0042] In the embodiment of the present invention, the credit header data group includes a bad credit personnel list header table, which is used to record the basic information of bad credit customers. The credit details data group includes a bad credit personnel list detail table, which is used to record specific bad credit reason information.

[0043] Step S108, generating credit certification service data according to the credit header data group and the credit detail data group, so that the processing end generates a credit certification data processing result according to the credit certification service data.

[0044] In an embodiment of the present invention, after obtaining the credit header data group and the credit detail data group, these data are processed to obtain credit certification service data. The processing end can query the credit certification service data based on the credit certification application data to obtain the credit certification data processing result.

[0045] The embodiment of the present invention provides a credit certificate data processing scheme, which first obtains business data; then generates business source data according to the business data; generates a credit header data group and a credit detail data group according to the business source data; finally, generates credit certificate service data according to the credit header data group and the credit detail data group, so that the processing end generates a credit certificate data processing result according to the credit certificate service data. The embodiment of the present invention can automatically process business data to obtain credit certificate service data, provide data information to the processing end, and improve the accuracy and efficiency of business handling.

[0046] In order to obtain more accurate credit certification data processing results, the credit header data group and the credit detail data group are generated according to the business source data, which can be performed according to the following steps:

[0047] Generate the credit header data group and credit detail data group according to the business source data using the preset verification information.

[0048] In the embodiment of the present invention, the preset verification information can be set according to actual needs. For example, the preset verification information can be used to verify the following content:

[0049] 1. The data rules for deposit verification are:

[0050] (1) Whether the account status is sealed;

[0051] (2) Whether there is a judicial freeze;

[0052] (3) Whether there is judicial deduction;

[0053] (4) Whether the customer has a settlement account in the bank.

[0054] 2. The rules for customer settlement verification are:

[0055] (1) Whether there is any outstanding payment for each business;

[0056] (2) Whether the customer has any outstanding payment record in the cash management price component.

[0057] 3. The rules for verifying customer credit information are:

[0058] (1) Whether the credit business is overdue;

[0059] (2) Whether there are any credit businesses with a five-level classification result of sub-level or below;

[0060] (3) Whether there is any overdue guarantee for the credit business handled by the third party at CCB.

[0061] 4. The rules for blacklist and anti-money laundering inspection are:

[0062] (1) Whether the person is on any internal or external blacklist;

[0063] (2) Whether the person is on any bank’s internal or external anti-money laundering list;

[0064] (3) Whether the person is included in the court's list of persons subject to enforcement;

[0065] (4) Whether the person is included in the list of persons who have defaulted in enforcement.

[0066] 5. The rules for credit verification are:

[0067] (1) Whether there is a bad credit record in the bank.

[0068] According to the relevant rules for issuing credit certificates, preset verification information is set to calculate the credit header data group and credit detail data group.

[0069] It should be noted that the embodiment of the present invention uses Greenplum database to realize the logic implementation of data processing function, and the processing results are written into two tables: the head table of the list of personnel with bad credit and the detailed table of the list of personnel with bad credit. Because it is necessary to verify the credit status of each day from the date of issuance of the credit certificate to the query of T-1 day, and it is necessary to store 2 years of data, the amount of data is very large, so the detailed table of the list of personnel with bad credit is designed in the form of a zipper table. The zipper has two times, namely the opening time and the closing time. The customer has bad credit in the time period between the opening time and the closing time. Each component and each verification rule is a separate processing function. The processing is divided into two cases. One is to initialize the historical data of the two years before the launch date, that is, the initialization function, which is executed once before the launch to initialize the data; the other is the incremental data processing function executed every day after the launch. After each processing function is processed, the result is written into two result tables.

[0070] An embodiment of the present invention also provides a credit certificate data processing method, which is applied to a processing end. The method includes: obtaining credit certificate application data; querying credit certificate service data based on the credit certificate application data to obtain credit certificate data processing results.

[0071] In the embodiment of the present invention, the credit certificate application data includes the customer number of the customer in the bank, which can be used to uniquely identify the customer. The credit certificate application data is used to query the customer's credit status in the credit certificate service data to obtain the credit certificate data processing result.

[0072] In order to improve the query efficiency, the credit certificate service data includes the service data of the credit header data group and the service data of the credit detail data group; the query module is specifically used to: query the credit certificate service data according to the credit certificate application data, including: query the service data of the credit header data group according to the credit certificate application data to obtain the first query result; generate the credit certificate data processing result according to the first query result and the service data of the credit detail data group.

[0073] In an embodiment of the present invention, the credit certification service data includes service data of a credit header data group and service data of a credit detail data group. In order to improve query efficiency, the service data of the credit header data group is first queried to confirm whether the queried customer has a bank account. Based on the first result obtained from the query, it is determined whether to continue to query the service data of the credit detail data group. If the queried customer does not have a bank account, the credit certification data processing result is: query failure. If the queried customer has a bank account, the specific credit status of the queried customer is determined based on the account information and the service data of the credit detail data group to obtain the credit certification data processing result.

[0074] In order to effectively prevent and control business risks, you can also perform the following steps:

[0075] The credit certificate data processing result is sent to the electronic seal module, so that the electronic seal module generates an electronic seal of the credit certificate data processing result.

[0076] In the embodiment of the present invention, the electronic seal module is used to stamp the credit certificate data processing result. By connecting to the electronic seal component, the issued credit certificate provides customers with a multi-channel self-service authenticity verification function, which improves the pain point that customers were unable to verify the authenticity of the credit certificate.

[0077] The implementation of this solution is described below with a specific embodiment. Figure 2 The implementation architecture diagram of the credit certificate data processing method shown in the figure can be specifically performed in the following steps:

[0078] 1. The account manager submits an application for credit certificate in the employee channel, and the employee channel calls the credit certificate application interface published by the customer service public component.

[0079] 2. The customer service public component credit certificate application interface makes an appointment to call the credit certificate automatic approval automatic task. This automatic task first calls the data service published by the big data platform to query whether the customer has a settlement account:

[0080] (1) If the customer of the application does not have a settlement account, the automatic task ends and the application fails because the customer does not have a settlement account.

[0081] (2) If the applicant has a settlement account, proceed to step 3.

[0082] 3. This automatic task calls the data service published by the big data platform to query the customer's credit status:

[0083] (1) If the credit status of the applicant is poor, the automatic task ends and the application fails. The reason for failure will specifically show the reasons why the customer's credit status is poor.

[0084] (2) If the applicant’s credit status is good, proceed to step 4.

[0085] 4. This automatic task generates a PDF (Portable Document Format) file of the customer's credit certificate according to the standard template of the credit certificate document, and calls the electronic seal component's seal application interface. The electronic seal component stamps the credit certificate PDF file with the CCB business seal. After the stamping is completed, the stamped PDF file is uploaded to the data warehouse. After the upload is completed, the electronic seal callback interface of the customer service corporate component is called to tell the customer service corporate component the data warehouse number of the credit certificate file, which means that the credit certificate file has been successfully stamped.

[0086] 5. In the customer service corporate component, the scheduled automatic task of sending credit certificate emails will be automatically called every two minutes. This automatic task will process the application with successful stamping. It will first check the data warehouse component according to the data warehouse number to obtain the stamped PDF file, and then send the file as an attachment to the email to the email address left by the customer when applying for the credit certificate. After the email is sent successfully, it means that the credit certificate for this application has been successfully issued.

[0087] 6. The employee channel calls the customer service for public component's credit certificate list query interface. The customer service for public component will return all records of credit certificate applications. For the records of successful credit certificate issuance, the data warehouse number will be returned. The employee channel can query the data warehouse according to the data warehouse number to obtain the stamped PDF file for printing. For the records of successful credit certificate issuance, if the customer wants to send an email again, he can also click Send Email in the employee channel. The employee channel calls the customer service for public component's email sending interface to send the email. For the records of failed credit certificate issuance, the employee channel can click Details to call the customer service for public component's credit certificate failure reason details interface to view the specific failure reason.

[0088] 7. The big data platform releases two services, namely, a data service for querying whether a customer has a settlement account and a data service for querying a customer's credit status. The result data that the two services rely on are processed in the Beikai computing area of ​​the data warehouse, and the source data that the data processing depends on comes from various product service components. At the end of the day, each product service component pushes the data to the source layer of the data warehouse. The Beikai computing area of ​​the data warehouse first loads the data of the source layer of each product component, and then runs the specific data processing model to generate the result data.

[0089] See also Figure 3The data processing process diagram of the credit certificate data processing method shown in the figure shows that each product service component pushes data to the data warehouse source layer at the end of the day, including the blacklist component, the public deposit component, the customer information component, the customer settlement component, the public credit component, the credit investigation component, and the anti-money laundering component. The data warehouse north opening calculation area first loads the data of the source layer of each product component, and then runs the specific data processing model to generate the result data. After the model calculates the result data, the big data platform publishes two service query result data, and the customer service public component realizes the query through the data service.

[0090] See also Figure 4 The data sorting flow chart of the credit certificate data processing method shown in the figure mainly includes the following steps:

[0091] 1. Apply for a data integration interface on the data management platform: Check whether the data source already has an exchange interface on the data management platform, and apply for an integration interface, review the source layer, and develop and load the source layer job.

[0092] 2. After the source layer interface is developed, create and schedule loading jobs on the data warehouse monitoring platform according to the data loading template. Self-developed jobs are created on the monitoring platform according to job dependencies.

[0093] 3. Each component and each table is a loading job. After the data is loaded, the data processing function is scheduled. Each function is a separate processing job to complete the data processing.

[0094] See also Figure 5 As shown in the schematic diagram of the process of generating the credit certificate data processing result, the big data cloud platform opens the Greenplum database in the application computing area of ​​the data warehouse to perform unmanaged reading and writing to the big data cloud data management component for data source management. The big data cloud can access and query the database table data information through the data management component.

[0095] The data service creates a topic, encapsulates the query SQL (Structured Query Language) for querying the Greenplum database processing result data, provides transactions and publishes services for customer service to call queries on public components.

[0096] The present invention provides a method, device and system for processing credit certificate data. By integrating multiple data of the bank's blacklist component, public deposit component, customer information component, customer settlement component, public credit component, credit investigation component and anti-money laundering component, a credit certificate automatic issuance model is constructed, which improves the pain points of the previous offline manual processing, realizes one-key approval, and is available immediately, thereby improving the accuracy and efficiency of business processing. By integrating data from all parties within the bank, aggregating business data into the data integration area, introducing cutting-edge technologies such as big data analysis, and rationally designing scheduling operations and processing functions, the model execution efficiency is improved, which can not only meet the requirements of the business department for account management, but also bring more and deeper customer and account management capabilities to the business from the perspective of data analysis.

[0097] The present invention also provides a credit certificate data processing device in the embodiment described in the following embodiment. Since the principle of solving the problem by the device is similar to that of the credit certificate data processing method, the implementation of the device can refer to the implementation of the credit certificate data processing method, and the repeated parts will not be repeated. Figure 6 The structure block diagram of the computing end credit certificate data processing device shown in the figure includes:

[0098] The acquisition module 61 is used to acquire business data; the data module 62 is used to generate business source data based on the business data; the calculation module 63 is used to generate a credit header data group and a credit detail data group based on the business source data; the service module 64 is used to generate credit certification service data based on the credit header data group and the credit detail data group, so that the processing end generates a credit certification data processing result based on the credit certification service data.

[0099] In one embodiment, the calculation module is specifically used to generate a credit header data group and a credit detail data group according to the business source data using preset verification information.

[0100] The present invention also provides a credit certificate data processing device in the embodiment described in the following embodiment. Since the principle of solving the problem by the device is similar to that of the credit certificate data processing method, the implementation of the device can refer to the implementation of the credit certificate data processing method, and the repeated parts will not be repeated. Figure 7 The structure block diagram of the processing end credit certificate data processing device shown in the figure includes:

[0101] The application module 71 is used to obtain the credit certificate application data; the query module 72 is used to query the credit certificate service data according to the credit certificate application data to obtain the credit certificate data processing result.

[0102] In one embodiment, the credit certificate service data includes service data of a credit certificate header data group and service data of a credit certificate detail data group; the query module is specifically used to: query the credit certificate service data according to the credit certificate application data, including: query the service data of the credit certificate header data group according to the credit certificate application data to obtain a first query result; generate a credit certificate data processing result according to the first query result and the service data of the credit certificate detail data group.

[0103] In one embodiment, the device further comprises a sending module, which is used to send the credit certificate data processing result to the electronic seal module, so that the electronic seal module generates an electronic seal of the credit certificate data processing result.

[0104] An embodiment of the present invention also provides a credit certificate data processing system, which includes a computing end, a processing end and a seal end; the computing end includes the above-mentioned credit certificate data processing device; the processing end includes the above-mentioned credit certificate data processing device.

[0105] The embodiment of the present invention also provides a computer device, see Figure 8 The computer device shown in the figure is a schematic block diagram of the structure, which includes a memory 81, a processor 82 and a computer program stored in the memory and executable on the processor, and the processor implements the steps of any one of the above-mentioned credit certificate data processing methods when executing the computer program.

[0106] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the computer device described above can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here.

[0107] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program for executing any of the above-mentioned credit certification data processing methods.

[0108] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0109] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0110] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0111] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0112] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-described embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-described embodiments within the technical scope disclosed by the present invention, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A method for processing credit certification data, characterized in that: Applied to the computing end, the method includes: Obtaining business data; the business data at least includes the end-of-day data of the blacklist component, the public deposit component, the customer information component, the customer settlement component, the public credit component, the credit investigation component and the anti-money laundering component; Generate business source data according to the business data; Generate business source data according to the business data, including: extracting business data to a buffer area; processing the business data in the buffer area, and loading it into the source data area to obtain the business source data; Generate a credit header data group and a credit detail data group according to the business post source data; the credit header data group includes a bad credit personnel list header table; the credit detail data group includes a bad credit personnel list detail table; generate a credit header data group and a credit detail data group according to the business post source data, including: according to the business post source data, use Greenplum database to perform logical implementation of data processing function, and write the processing result into the credit header data group and the credit detail data group; the bad credit personnel list detail table is in the form of a zipper table, the zipper table involves an open chain time and a closed chain time, and the customer has bad credit in the time period between the open chain time and the closed chain time; the data processing function includes: using an initialization function to initialize the historical data of the two years before the launch date to perform data initialization once before the launch, and incremental data processing performed every day after the launch; Generate credit certification service data according to the credit header data group and the credit detail data group, so that the processing end generates credit certification data processing results according to the credit certification service data; the processing end is used to: call the credit certification application interface published by the customer service to public component to obtain credit certification application data; query credit certification service data according to the credit certification application data; obtain credit certification application data, including: the credit certification application interface of the customer service to public component reserves the automatic approval task of credit certification, and the automatic task first calls the data service published by the big data platform to query whether the customer has a settlement account; the automatic task calls the data service published by the big data platform to query the customer's credit status: according to the credit certification application data The credit certificate application data queries the credit certificate service data, including: querying the service data of the credit header data group according to the credit certificate application data to obtain a first query result; generating a credit certificate data processing result according to the first query result and the service data of the credit detail data group; the processing end is also used to: send the credit certificate data processing result to the electronic seal module, so that the electronic seal module generates an electronic seal of the credit certificate data processing result; the processing end is also used to: call the credit certificate list query interface of the customer service corporate component, and the customer service corporate component will return all records of credit certificate applications; query the data warehouse according to the data warehouse number to obtain the stamped PDF file for printing; Generate a credit header data group and a credit detail data group according to the business source data, including: using preset verification information to generate a credit header data group and a credit detail data group according to the business source data; the preset verification information is used to verify: data rules for deposit verification, rules for customer settlement verification, rules for customer credit information verification and rules for credit investigation verification.

2. A method for processing credit certification data, characterized in that: Applied to the processing end, the method includes: Call the credit certificate application interface published by the customer service public component to obtain the credit certificate application data; According to the credit certificate application data, the credit certificate service data is queried to obtain the credit certificate data processing result; the credit certificate service data is generated by the computing end; the computing end is used to: obtain business data; the business data at least includes the end-of-day data of the blacklist component, the public deposit component, the customer information component, the customer settlement component, the public credit component, the credit investigation component and the anti-money laundering component; generate business source data according to the business data; generate business source data according to the business data, including: extracting business data to a cache area; processing the business data in the cache area, and loading it into the source data area to obtain business source data; generating a credit header data group and a credit detail data group according to the business source data; the credit header data group includes a bad credit personnel list header table; the credit detail data group includes a bad credit personnel list detail table; generating a credit header data group and a credit detail data group according to the business source data, including: according to the business source data, using Greenplum The data processing function is logically implemented in the database, and the processing results are written into the credit header data group and the credit detail data group; the list of bad credit personnel is in the form of a zipper table, which involves the opening and closing time, and the customer has bad credit in the time period between the opening and closing time; the data processing function includes: using the initialization function to initialize the historical data of the two years before the launch date to perform data initialization once before the launch, and incremental data processing performed every day after the launch; generating credit certification service data according to the credit header data group and the credit detail data group, so that the processing end generates credit certification data processing results according to the credit certification service data; obtaining credit certification application data, including: making an appointment to call the credit certification automatic approval automatic task in the credit certification application interface of the customer service to the public component, and the automatic task first calls the data service for querying whether the customer has a settlement account published by the big data platform; the automatic task calls the data service for querying the customer's credit status published by the big data platform: Querying the credit certificate service data according to the credit certificate application data includes: querying the service data of the credit certificate header data group according to the credit certificate application data to obtain a first query result; generating a credit certificate data processing result according to the first query result and the service data of the credit certificate detail data group; The method further includes: sending the credit certificate data processing result to the electronic seal module, so that the electronic seal module generates an electronic seal of the credit certificate data processing result; the processing end is also used to: call the credit certificate list query interface of the customer service for public component, and the customer service for public component will return the records of all credit certificate applications; query the data warehouse according to the data warehouse number to obtain the PDF file with the seal for printing; Generate a credit header data group and a credit detail data group according to the business source data, including: using preset verification information to generate a credit header data group and a credit detail data group according to the business source data; the preset verification information is used to verify: data rules for deposit verification, rules for customer settlement verification, rules for customer credit information verification and rules for credit investigation verification.

3. A credit certificate data processing device, characterized in that: Applied to a computing end, the device comprises: An acquisition module, used to acquire business data; the business data at least includes the end-of-day data of a blacklist component, a public deposit component, a customer information component, a customer settlement component, a public credit component, a credit investigation component, and an anti-money laundering component; A data module is used to generate business source data according to the business data; the data module is specifically used to: extract business data to a buffer area; process the business data in the buffer area, and load it into the source data area to obtain the business source data; A calculation module, for generating a credit header data group and a credit detail data group according to the business post source data; the credit header data group includes a bad credit personnel list header table; the credit detail data group includes a bad credit personnel list detail table; generating the credit header data group and the credit detail data group according to the business post source data, including: using Greenplum database to perform logic implementation of data processing functions according to the business post source data, and writing the processing results into the credit header data group and the credit detail data group; the bad credit personnel list detail table is in the form of a zipper table, the zipper table involves an open chain time and a closed chain time, and the customer has bad credit in the time period between the open chain time and the closed chain time; the data processing function includes: using an initialization function to initialize the historical data of the two years before the launch date to perform data initialization once before the launch, and incremental data processing performed every day after the launch; A service module is used to generate credit certification service data according to the credit header data group and the credit detail data group, so that the processing end generates a credit certification data processing result according to the credit certification service data; the processing end is used to: call the credit certification application interface published by the customer service to public component to obtain the credit certification application data; query the credit certification service data according to the credit certification application data; obtain the credit certification application data, including: the credit certification application interface of the customer service to public component reserves the automatic approval task of the credit certification, and the automatic task first calls the data service for querying whether the customer has a settlement account published by the big data platform; the automatic task calls the data service for querying the customer's credit status published by the big data platform: querying the credit certification service data according to the credit certification application data, including: querying the service data of the credit header data group according to the credit certification application data, and obtaining a first query result result; generate a credit certificate data processing result according to the first query result and the service data of the credit detail data group; the processing end is also used to: send the credit certificate data processing result to the electronic seal module, so that the electronic seal module generates an electronic seal of the credit certificate data processing result; the processing end is also used to: call the credit certificate list query interface of the customer service to public component, and the customer service to public component will return all records of credit certificate applications; query the data warehouse according to the data warehouse number to obtain the stamped PDF file for printing; generate a credit header data group and a credit detail data group according to the business source data, including: using preset verification information to generate a credit header data group and a credit detail data group according to the business source data; the preset verification information is used to verify: data rules for deposit verification, rules for customer settlement verification, rules for customer credit information verification and rules for credit inspection.

4. A credit certificate data processing device, characterized in that: Applied to a processing end, the device comprises: The application module is used to call the credit certificate application interface published by the customer service public component to obtain the credit certificate application data; A query module is used to query the credit certificate service data according to the credit certificate application data to obtain the credit certificate data processing result; the credit certificate service data is generated by the computing end; the computing end is used to: obtain business data; the business data at least includes the end-of-day data of the blacklist component, the public deposit component, the customer information component, the customer settlement component, the public credit component, the credit investigation component and the anti-money laundering component; generate business source data according to the business data; generate business source data according to the business data, including: extracting business data to a cache area; processing the business data in the cache area and loading it to the source data area to obtain business source data; generating a credit header data group and a credit detail data group according to the business source data; the credit header data group includes A header table of a list of personnel with bad credit; the credit details data group includes a detailed table of a list of personnel with bad credit; generating a credit header data group and a credit details data group according to the business post source data, including: using Greenplum database to perform logic implementation of a data processing function according to the business post source data, and writing the processing results into the credit header data group and the credit details data group; the detailed table of the list of personnel with bad credit is in the form of a zipper table, which involves an open chain time and a closed chain time, and the customer has bad credit in the time period between the open chain time and the closed chain time; the data processing function includes: using an initialization function to initialize the historical data of the two years before the launch date to perform data initialization once before the launch, and incremental data processing performed every day after the launch; Generate credit certification service data according to the credit header data group and the credit detail data group, so that the processing end generates credit certification data processing results according to the credit certification service data; obtain credit certification application data, including: the credit certification application interface of the customer service corporate component makes an appointment to call the automatic approval task of credit certification, and the automatic task first calls the data service published by the big data platform to query whether the customer has a settlement account; the automatic task calls the data service published by the big data platform to query the customer's credit status: The query module is specifically used to query the credit certificate service data according to the credit certificate application data, including: querying the service data of the credit certificate header data group according to the credit certificate application data to obtain a first query result; generating a credit certificate data processing result according to the first query result and the service data of the credit certificate detail data group; It also includes a sending module, which is used to: send the credit certificate data processing result to the electronic seal module, so that the electronic seal module generates an electronic seal of the credit certificate data processing result; the processing end is also used to: call the credit certificate list query interface of the customer service for public component, and the customer service for public component will return all records of credit certificate applications; query the data warehouse according to the data warehouse number to obtain the PDF file with the seal for printing; Generate a credit header data group and a credit detail data group according to the business source data, including: using preset verification information to generate a credit header data group and a credit detail data group according to the business source data; the preset verification information is used to verify: data rules for deposit verification, rules for customer settlement verification, rules for customer credit information verification and rules for credit investigation verification.

5. A credit certification data processing system, characterized in that: It includes the computing end, processing end and stamp end; The computing end includes the credit certificate data processing device as claimed in claim 3; The processing end includes the credit certificate data processing device described in claim 4.

6. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 2 is implemented.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program for executing the method according to any one of claims 1 to 2.

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