Credit processing method, device, equipment and medium

Abstract

The embodiment of the present invention discloses a credit processing method, device, equipment and medium. The method includes: receiving a target credit request, and obtaining a matching target credit processing logic according to the target credit request; wherein the target credit processing logic is a preconfigured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between levels and parallel processing sub-logics within levels; executing a credit processing flow that matches the target credit request according to the target credit processing logic; and responding to the target credit request according to the execution result of the credit processing flow. The above technical solution realizes the optimization of the credit process and improves the versatility of the credit process optimization.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of financial technology, and in particular to a credit processing method, device, equipment and medium. Background Art

[0002] Simply put, credit granting refers to the act of a bank directly providing financial support to a customer, or guaranteeing the credit of a customer in relevant economic activities to a third party. The credit granting process is highly logical and often involves many data update operations. When the data update operation depends on third-party external data and the input and output rate of the third-party external data is slow, the data update time will be very long. When there is a forward and backward dependency between data update operations, the credit granting process will take a long time, the execution efficiency will be low, and the user experience will be poor.

[0003] At present, most of the methods adopted are to customize and optimize the credit granting process according to the business scenario to solve the problem that the credit granting process takes a long time due to the possible dependencies between data update operations. However, when customizing and optimizing the credit granting process according to the business scenario, different codes need to be written for different business scenarios, which has poor universality. Once the business scenario changes (such as adjusting the dependencies between data update operations), the code needs to be modified, and the cost of modification is high. Therefore, how to optimize the credit granting process and improve the universality of the credit granting process optimization is an urgent problem to be solved. Summary of the invention

[0004] The embodiments of the present invention provide a credit processing method, device, equipment and medium to optimize the credit process and improve the versatility of the credit process optimization.

[0005] In a first aspect, an embodiment of the present invention provides a credit processing method, including:

[0006] Receive a target credit request, and obtain a matching target credit processing logic according to the target credit request; wherein the target credit processing logic is a preconfigured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between hierarchies and parallel processing sub-logics within a hierarchy;

[0007] Execute the credit processing flow matching the target credit request according to the target credit processing logic;

[0008] The target credit request is responded to according to the execution result of the credit processing flow.

[0009] In a second aspect, an embodiment of the present invention further provides a credit processing device, including:

[0010] A credit request receiving and credit processing logic determining module, used to receive a target credit request and obtain a matching target credit processing logic according to the target credit request; wherein the target credit processing logic is a pre-configured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between hierarchies and parallel processing sub-logics within a hierarchy;

[0011] A credit processing logic execution module, used to execute a credit processing flow matching the target credit request according to the target credit processing logic;

[0012] The credit request response module is used to respond to the target credit request according to the execution result of the credit processing flow.

[0013] In a third aspect, an embodiment of the present invention further provides a computer device, the computer device comprising:

[0014] one or more processors;

[0015] a memory for storing one or more programs,

[0016] When the one or more programs are executed by the one or more processors, the one or more processors implement the credit processing method described in any embodiment.

[0017] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, the credit processing method described in any embodiment is implemented.

[0018] In the technical solution provided by the embodiment of the present invention, when a credit request is received, the target credit processing logic matching the credit request is obtained and the credit processing flow matching the target credit request is executed according to the target credit processing logic, wherein the target credit processing logic is a preconfigured hierarchical parallel processing logic, and the hierarchical parallel processing logic includes serial processing sub-logics between levels and parallel processing sub-logics within levels, thereby optimizing the credit process, solving the problem of long credit process time caused by the possible front-to-back dependency between the data update operations involved in the credit process, and improving the execution efficiency of the credit process. Moreover, since the target credit processing logic is configurable, it can be flexibly adjusted according to the business scenario. When the business scenario changes, it is sufficient to adjust the configuration of the credit processing logic without rewriting the code, and the modification cost is relatively small, thereby improving the versatility of the credit process optimization. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 is a flow chart of a credit processing method in Embodiment 1 of the present invention;

[0020] Figure 2 It is an example diagram of a credit processing logic in the prior art;

[0021] Figure 3 This is an example diagram of hierarchical parallel processing logic corresponding to a credit processing flow in the first embodiment of the present invention;

[0022] Figure 4 is a flow chart of a credit processing method in Embodiment 2 of the present invention;

[0023] Figure 5 This is a schematic diagram of an application scenario applicable to a credit processing method in Embodiment 2 of the present invention;

[0024] Figure 6 It is a schematic diagram of the module structure of a credit processing device provided in Embodiment 3 of the present invention;

[0025] Figure 7 It is a structural diagram of a computer device provided in Embodiment 4 of the present invention. DETAILED DESCRIPTION

[0026] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0027] Embodiment 1

[0028] Figure 1 It is a flow chart of a credit processing method provided in the first embodiment of the present invention. This embodiment can be applied to situations where credit processing is performed in the financial industry to improve credit processing performance, and is particularly applicable to the resource submission link of all credit businesses in the user growth business of the financial industry. The method can be executed by the credit processing device provided in any embodiment of the present invention. The device can be composed of hardware and / or software and can generally be integrated in a computer device, such as a server for credit processing.

[0029] like Figure 1 As shown, the credit processing method provided in this embodiment may include:

[0030] S110: Receive a target credit request, and obtain matching target credit processing logic according to the target credit request.

[0031] The target credit processing logic is a preconfigured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between levels and parallel processing sub-logics within a level.

[0032] The target credit request refers to any request used to trigger the start of the credit process. Among them, the target credit request can be triggered by the credit user in the client (such as a WEB client or an APP client) and sent through the gateway corresponding to the client, or it can be triggered by the credit user's account manager in the client and sent through the gateway corresponding to the client, or it can be automatically triggered and sent by the system when performing operations related to financial services, such as when it is triggered and sent during MQ (Message Queue) asynchronous review, timed order replenishment, or batch running of tasks. This embodiment does not specifically limit the source of the target credit request.

[0033] The target credit processing logic is pre-configured and generated, and supports reconfiguration. Specifically, the target credit processing logic is a hierarchical parallel processing logic, that is, the processing sub-processes involved in the target credit processing logic are hierarchical, and the processing sub-processes in different levels need to be executed serially, and the processing sub-processes in the same level are executed in parallel.

[0034] After receiving the target credit request, the matching target credit processing logic is obtained according to the target credit request. For example, the target credit processing logic matching the target identifier carried in the target credit request can be obtained.

[0035] Exemplarily, the target identifier may be a financial business scenario identifier, and the financial business scenario identifier is used to indicate the business scenario corresponding to the credit granting process. Optionally, one financial business scenario identifier corresponds to one credit granting process.

[0036] It should be pointed out that when the system involves only one financial business scenario, after receiving a target credit request, it is sufficient to directly obtain the pre-configured target credit processing logic that matches the financial business scenario.

[0037] In an optional implementation, the target credit processing logic is generated based on a plurality of credit processing standard submodules selected from a preset credit processing standard submodule set, and hierarchical parallel processing logics matching the plurality of credit processing standard submodules;

[0038] The credit processing standard sub-module set is composed of multiple credit processing standard sub-modules, wherein each of the credit processing standard sub-modules is used to implement a processing sub-process in the credit processing process and is a standardized and reusable processing logic or sub-module.

[0039] Optionally, the information processing type to which the credit processing standard submodule belongs includes at least one of the following: information submission processing, information query processing, information verification processing, and information review processing.

[0040] Among them, information submission processing refers to the relevant processing of submitting the written information involved in the credit granting process, such as the relevant processing of submitting the identity information written by the user; information query processing refers to the relevant processing of querying the information to be queried involved in the credit granting process, such as the relevant processing of querying whether the user is in the credit penalty period, etc.; information verification processing refers to the relevant processing of verifying the information to be verified involved in the credit granting process, such as the relevant processing of verifying the user's signing of a personal agreement, etc.; information review processing refers to the relevant processing of reviewing the information to be reviewed involved in the credit granting process, such as the relevant processing of reviewing whether the user's behavior complies with risk control rules, etc.

[0041] Optionally, the basic information of the credit processing standard submodule is configurable. After the basic information configuration of the credit processing standard submodule is completed, a processing subprocess in the credit process can be implemented. Among them, the basic information of the credit processing standard submodule is related to the information processing type to which the credit processing standard submodule belongs, and can be specifically set according to the business scenario. This embodiment does not specifically limit this. Optionally, the basic information of the credit processing standard submodule can be default.

[0042] Exemplarily, if the information processing type to which the credit processing standard submodule belongs is information submission processing, its basic information may be the type of information to be submitted, etc.; if the information processing type to which the credit processing standard submodule belongs is information verification processing, its basic information may be verification rules, risk control rules, etc.

[0043] Optionally, the hierarchical and serial processing logic matching the multiple credit processing standard submodules may include: the processing level to which each credit processing standard submodule belongs, and the serial order between the processing levels.

[0044] Exemplarily, when generating a target credit processing logic for a business scenario, multiple credit processing standard sub-modules matching the business scenario are selected from the credit processing standard sub-module set. Assume that credit processing standard sub-modules A, B, C, D, E, F, G, H, I, and J are selected. Credit processing standard sub-module A is used to save user name and ID number, credit processing standard sub-module B is used to report relevant information such as user device, credit processing standard sub-module C is used to sign the user's personal agreement, credit processing standard sub-module D is used to verify the credit penalty period, credit processing standard sub-module E is used to verify risk control rule 1, credit processing standard sub-module F is used to verify risk control rule 2, credit processing standard sub-module G is used to verify risk control rule 3, credit processing standard sub-module H is used to save the user's billing date, credit processing standard sub-module I is used to modify the user's credit status, and credit processing standard sub-module J is used to save the user's repayment date.

[0045] Among them, in a certain business scenario, there is no data dependency between the credit processing standard submodule A and the credit processing standard submodule B; the credit processing standard submodule C depends on the name and ID number in the credit processing standard submodule A; the credit processing standard submodule D depends on the agreement signing data in the credit processing standard submodule C; the credit processing standard submodule E depends on the name in the credit processing standard submodule A and the agreement signing data in the credit processing standard submodule C; the credit processing standard submodule F depends on the name in the credit processing standard submodule A, the user device data in the credit processing standard submodule B, the agreement signing data in the credit processing standard submodule C, and the name in the credit processing standard submodule A, the user device data in the credit processing standard submodule B, the agreement signing data in the credit processing standard submodule C, and the name in the credit processing standard submodule The verification data of module E; the credit processing standard sub-module G also depends on the name in the credit processing standard sub-module A, the user device data in the credit processing standard sub-module B, the agreement signing data in the credit processing standard sub-module C, and the verification data of the credit processing standard sub-modules E and F; the credit processing standard sub-module H depends on the verification data of the credit processing standard sub-modules E, F, and G, the credit processing standard sub-module I also depends on the verification data of the credit processing standard sub-modules E, F, and G, and the credit processing standard sub-module J also depends on the verification data of the credit processing standard sub-modules E, F, and G. There is no data dependency relationship between the credit processing standard sub-modules H, I, and J.

[0046] In the prior art, the processing logic corresponding to the credit processing standard submodules A, B, C, D, E, F, G, H, I, and J is as follows: Figure 2 The serial processing logic shown.

[0047] In this embodiment, the hierarchical and serial processing logic matching multiple credit processing standard submodules is determined according to the business scenario, such as Figure 3As shown, the processing levels involved in the credit processing standard sub-modules A, B, C, D, E, F, G, H, I, and J are divided into six. The credit processing standard sub-modules A and B belong to level one, the credit processing standard sub-modules C and D belong to level two, the credit processing standard sub-module E belongs to level three, the credit processing standard sub-module F belongs to level four, the credit processing standard sub-module G belongs to level five, and the credit processing standard sub-modules H, I, and J belong to level six. Processing levels one to six are executed serially, and the credit processing standard sub-modules involved in each level are executed in parallel.

[0048] Optionally, the generated target credit processing logic is obtained and cached locally, and then after receiving the target credit request, the matching target credit processing logic can be obtained from the local cache.

[0049] In the above implementation, the logic of the processing sub-process is unitized and standardized in the form of a credit processing standard sub-module, which is easy to arrange and configure, has strong versatility and supports reuse, and provides great convenience for the generation and adjustment of the target credit processing logic.

[0050] S120. Execute a credit processing flow matching the target credit request according to the target credit processing logic.

[0051] The credit processing flow matching the target credit request is executed in the serial order of the processing levels involved in the target credit processing logic. When executing the credit processing flow for each processing level, the processing sub-flows included in the processing level are executed in parallel.

[0052] Continuing with the previous example, when executing the credit processing flow according to the target credit processing logic, levels one to six are executed serially, and the processing sub-flows corresponding to the credit processing standard sub-modules A and B in level one are executed concurrently without any order of precedence. After the processing sub-flows corresponding to the credit processing standard sub-modules A and B are completed, level two is executed serially, and the processing sub-flows corresponding to the credit processing standard sub-modules C and D in level two are executed concurrently, and so on.

[0053] In an optional implementation manner, executing the credit processing flow matching the target credit request according to the target credit processing logic may specifically be:

[0054] Obtaining one level in turn as the current processing level according to the level order involved in the target credit processing logic;

[0055] If the current processing level includes multiple processing sub-processes, resource scheduling is performed according to the multiple processing sub-processes and the multiple processing sub-processes are processed in parallel;

[0056] If the current processing level includes a processing sub-flow, resources are scheduled according to the processing sub-flow and the processing sub-flow is processed;

[0057] If the processing results of each processing sub-process within the current processing level indicate completion, success or pass, then return to execute the operation of obtaining one level as the current processing level in the order of the levels involved in the target credit processing logic, until all levels involved in the target credit processing logic are processed, and the credit processing process is terminated.

[0058] Continuing with the previous example, first, level one is used as the current processing level. At this time, the current processing level includes two processing sub-processes corresponding to the credit processing standard sub-modules A and B, and these two processing sub-processes are processed in parallel. Among them, the processing result of each processing sub-process can be completed or incomplete, or it can be successful or failed, or it can be passed or failed. For example, the processing result of the user name and ID card number preservation processing sub-process can be completed or incomplete. For example, the processing result of the credit penalty period verification processing sub-process can be successful or failed (passed or failed). If the processing results of each of the processing sub-processes in the current processing level indicate completion, success or pass, then level two can continue to be the current processing level, and the subsequent process can continue until all levels are processed and the credit processing process is terminated.

[0059] In the above implementation, since the processing sub-processes with front-to-back dependencies cannot be directly executed concurrently, the hierarchical parallel processing logic is used to execute the processing sub-processes with front-to-back dependencies, which can effectively improve the performance of the credit processing process. According to experimental tests, the successful credit processing process usually takes 5-10 seconds. With the solution of this implementation, the successful credit processing process takes 3.5-7 seconds, and the performance of the credit processing process is improved by about 30%, which effectively improves the credit processing efficiency and user experience.

[0060] Furthermore, if the processing result of any of the processing sub-processes in the current processing level indicates failure or failure, the credit processing process is terminated.

[0061] When processing the current processing level, if the processing result of any processing sub-process within the level is failure or not passed, there is no need to process the subsequent levels, and the credit processing process can be ended directly.

[0062] For example, if the processing result of the credit penalty period verification processing sub-process is failure, there is no need to perform subsequent level processing, and the credit processing process can be ended directly, and the credit fails.

[0063] S130. Respond to the target credit request according to the execution result of the credit processing flow.

[0064] The execution result of the credit processing flow is obtained, a target credit response corresponding to the target credit request is generated based on the execution result, and the target credit response is fed back to indicate the processing result of the credit processing flow at this time.

[0065] For example, the processing results of all processing sub-processes in the credit processing process are integrated, and a target credit response corresponding to the target credit request is generated according to the processing results of all processing sub-processes.

[0066] In an optional implementation, responding to the target credit request according to the execution result of the credit processing flow can be specifically as follows: generating a target credit response corresponding to the target credit request according to the processing results of each of the executed processing sub-flows, and feeding back the target credit response.

[0067] In the credit processing flow, if there is a processing sub-flow whose processing result is failure or failure, the executed processing sub-flow is not all the processing sub-flows involved in the credit processing flow. At this time, based on the processing results of each of the currently executed processing sub-flows, the generated target credit response indicates credit failure.

[0068] In the credit processing flow, if there is no processing sub-flow whose processing result is failure, the executed processing sub-flows are all processing sub-flows involved in the credit processing flow. At this time, the processing results of all processing sub-flows in the credit processing flow are integrated, and a target credit response corresponding to the target credit request is generated based on the processing results of all processing sub-flows.

[0069] In the technical solution provided by the embodiment of the present invention, when a credit request is received, the target credit processing logic matching the credit request is obtained and the credit processing flow matching the target credit request is executed according to the target credit processing logic, wherein the target credit processing logic is a preconfigured hierarchical parallel processing logic, and the hierarchical parallel processing logic includes serial processing sub-logics between levels and parallel processing sub-logics within levels, thereby optimizing the credit process, solving the problem of long credit process time caused by the possible front-to-back dependency between the data update operations involved in the credit process, and improving the execution efficiency of the credit process. Moreover, since the target credit processing logic is configurable, it can be flexibly adjusted according to the business scenario. When the business scenario changes, it is sufficient to adjust the configuration of the credit processing logic without rewriting the code, and the modification cost is relatively small, thereby improving the versatility of the credit process optimization.

[0070] Embodiment 2

[0071] Figure 4 is a flow chart of a credit processing method provided in Embodiment 2 of the present invention, and this embodiment is concretized on the basis of the above-mentioned embodiment. In this embodiment, the execution of the credit processing method and the generation of the credit processing logic can be implemented in different systems. For example, the credit processing method provided in this embodiment is executed by the credit scheduling system, and the credit processing logic is generated by the credit processing logic configuration management system and synchronized to the credit scheduling system.

[0072] Optionally, before obtaining the matching target credit processing logic according to the target credit request, the method may further include: receiving and storing the target credit processing logic issued by a credit processing logic configuration management system;

[0073] Accordingly, executing the credit processing flow matching the target credit request according to the target credit processing logic may include:

[0074] The target credit processing logic is sent to a target application, the target application is called to execute a credit processing flow matching the target credit request according to the target credit processing logic, and the execution result of the credit processing flow fed back by the target application is received.

[0075] like Figure 4 As shown, the credit processing method provided in this embodiment is applied to a credit scheduling system and may include:

[0076] S210: Receive and store the credit processing logic issued by the credit processing logic configuration management system.

[0077] Refer to Figure 5 The credit processing method shown is applicable to an application scenario in which a credit processing logic configuration management system communicates data with a credit scheduling system to synchronize the credit processing logic to the credit scheduling system.

[0078] The credit processing logic is a preconfigured hierarchical parallel-serial processing logic, which includes serial processing sub-logics between levels and parallel processing sub-logics within a level.

[0079] Optionally, the credit processing logic is generated based on a plurality of credit processing standard sub-modules selected from a preset credit processing standard sub-module set, and a hierarchical and serial processing logic matching the plurality of credit processing standard sub-modules.

[0080] Exemplarily, the credit processing logic generated in the credit processing logic configuration management system may be one or more, which are specifically related to the financial business scenarios applicable to the credit scheduling system. The credit processing logic configuration management system synchronizes the one or more credit processing logics generated by it to the credit scheduling system for local storage.

[0081] S220: Receive a target credit request, and obtain matching target credit processing logic according to the target credit request.

[0082] Reference Figure 5 After receiving the target credit request sent by the target credit request source, the target credit request obtains the target credit processing logic matching the target credit request locally. Regarding the target credit request source, this embodiment does not make any specific limitation.

[0083] S230: Send the target credit processing logic to a target application, and call the target application to execute a credit processing flow that matches the target credit request according to the target credit processing logic.

[0084] The target application refers to an application that can implement the credit processing logic, for example, it can be a Java application.

[0085] In this embodiment, the target credit processing logic is implemented by the credit scheduling system calling the target application. There can be multiple target applications. Figure 5 Two are shown as examples.

[0086] Optionally, the credit scheduling system may simultaneously call multiple target application programs to respectively execute the credit processing flows matching the target credit request, thereby achieving concurrent responses to multiple target credit requests.

[0087] The target application executes the credit processing flow that matches the target credit request according to the target credit processing logic sent by the credit scheduling system, and sends the execution result of the credit processing flow to the credit scheduling system.

[0088] S240: Receive the execution result of the credit processing flow fed back by the target application.

[0089] S250. Respond to the target credit request according to the execution result of the credit processing flow.

[0090] The credit scheduling system generates response information corresponding to the target credit request according to the execution result of the credit processing flow, that is, according to the execution results of each credit processing sub-flow, and sends it to the target credit request source to respond to the target credit request.

[0091] For details not explained in this embodiment, please refer to the aforementioned embodiments and will not be repeated here.

[0092] In the above technical solution, the credit processing logic generated in the credit processing logic configuration management system is synchronized to the credit scheduling system so that the credit scheduling system can use it when responding to credit requests. Among them, the credit processing logic is a hierarchical and serial processing logic generated based on the credit processing standard submodule, which optimizes the credit process and improves the execution efficiency of the credit process. Moreover, the credit processing logic is configurable and can be flexibly adjusted according to the business scenario, which greatly reduces the R&D difficulty and maintenance cost caused by changes in business scenarios.

[0093] Embodiment 3

[0094] Figure 6 This is a schematic diagram of the module structure of a credit processing device provided by the third embodiment of the present invention. This embodiment can be applied to the situation where credit processing is performed in the financial industry to improve credit processing performance, and is particularly applicable to the resource submission link of all credit services in the user growth business of the financial industry. The device can be implemented in software and / or hardware, and can generally be integrated in a computer device. Figure 6 As shown, the device includes: a credit request receiving and credit processing logic determining module 310, a credit processing logic executing module 320 and a credit request responding module 330. Among them,

[0095] The credit request receiving and credit processing logic determining module 310 is used to receive a target credit request and obtain a matching target credit processing logic according to the target credit request; wherein the target credit processing logic is a preconfigured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between hierarchies and parallel processing sub-logics within a hierarchy;

[0096] A credit processing logic execution module 320, configured to execute a credit processing flow matching the target credit request according to the target credit processing logic;

[0097] The credit request response module 330 is used to respond to the target credit request according to the execution result of the credit processing flow.

[0098] In the technical solution provided by the embodiment of the present invention, when a credit request is received, the target credit processing logic matching the credit request is obtained and the credit processing flow matching the target credit request is executed according to the target credit processing logic, wherein the target credit processing logic is a preconfigured hierarchical parallel processing logic, and the hierarchical parallel processing logic includes serial processing sub-logics between levels and parallel processing sub-logics within levels, thereby optimizing the credit process, solving the problem of long credit process time caused by the possible front-to-back dependency between the data update operations involved in the credit process, and improving the execution efficiency of the credit process. Moreover, since the target credit processing logic is configurable, it can be flexibly adjusted according to the business scenario. When the business scenario changes, it is sufficient to adjust the configuration of the credit processing logic without rewriting the code, and the modification cost is relatively small, thereby improving the versatility of the credit process optimization.

[0099] Optionally, the target credit processing logic is generated based on multiple credit processing standard sub-modules selected from a preset credit processing standard sub-module set, and a hierarchical and serial processing logic matching the multiple credit processing standard sub-modules; wherein each of the credit processing standard sub-modules is used to implement a processing sub-process in the credit processing process.

[0100] Optionally, the information processing type to which the credit processing standard submodule belongs includes at least one of the following:

[0101] Information submission processing, information query processing, information verification processing, and information review processing.

[0102] Optionally, a credit processing logic execution module is specifically used to obtain one level in turn as the current processing level in the order of levels involved in the target credit processing logic; if the current processing level includes multiple processing sub-processes, resources are scheduled according to the multiple processing sub-processes and the multiple processing sub-processes are processed in parallel; if the current processing level includes one processing sub-process, resources are scheduled according to the processing sub-process and the processing sub-process is processed; if the processing results of each of the processing sub-processes in the current processing level indicate completion, success or pass, then return to execute the operation of obtaining one level in turn as the current processing level in the order of levels involved in the target credit processing logic, until all levels involved in the target credit processing logic are processed, and the credit processing process is terminated.

[0103] Furthermore, the credit processing logic execution module is also specifically used to end the credit processing process if the processing result of any of the processing sub-processes in the current processing level indicates failure or failure.

[0104] Optionally, the credit request response module is specifically used to generate a target credit response corresponding to the target credit request according to the processing results of each of the executed processing sub-processes, and feed back the target credit response.

[0105] Optionally, the above-mentioned device also includes: a credit processing logic synchronization module, which is used to receive and store the target credit processing logic issued by the credit processing logic configuration management system before obtaining the matching target credit processing logic according to the target credit request; correspondingly, a credit processing logic execution module, which is specifically used to send the target credit processing logic to the target application, call the target application to execute the credit processing process matching the target credit request according to the target credit processing logic, and receive the execution result of the credit processing process fed back by the target application.

[0106] The credit processing device provided in the embodiment of the present invention can execute the credit processing method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0107] Embodiment 4

[0108] Figure 7 is a schematic diagram of the structure of a computer device provided by Embodiment 4 of the present invention, such as Figure 7 As shown, the computer device includes a processor 410, a memory 420, an input device 430, and an output device 440; the number of processors 410 in the computer device can be one or more. Figure 7 A processor 410 is taken as an example; the processor 410, memory 420, input device 430 and output device 440 in the computer device can be connected via a bus or other means. Figure 7 The example of connecting through bus is taken in the following.

[0109] The memory 420 is a computer-readable storage medium that can be used to store software programs, computer executable programs and modules, such as program instructions / modules corresponding to the credit processing method in the embodiment of the present invention (for example, Figure 6 The credit processing device shown in the figure includes a credit request receiving and credit processing logic determination module 310, a credit processing logic execution module 320 and a credit request response module 330). The processor 410 executes various functional applications and data processing of the computer device by running the software programs, instructions and modules stored in the memory 420, that is, implements the above-mentioned credit processing method.

[0110] The memory 420 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and at least one application required for a function; the data storage area may store data created according to the use of the computer device, etc. In addition, the memory 420 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the memory 420 may further include a memory remotely arranged relative to the processor 410, and these remote memories may be connected to the computer device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0111] The input device 430 may be used to receive input digital or character information and generate key signal input related to user settings and function control of the computer device. The output device 440 may include a display device such as a display screen.

[0112] Embodiment 5

[0113] Embodiment 5 of the present invention further provides a computer-readable storage medium storing a computer program, wherein the computer program is used to execute a credit processing method when executed by a computer processor, the method comprising:

[0114] Receive a target credit request, and obtain a matching target credit processing logic according to the target credit request; wherein the target credit processing logic is a preconfigured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between hierarchies and parallel processing sub-logics within a hierarchy;

[0115] Execute the credit processing flow matching the target credit request according to the target credit processing logic;

[0116] The target credit request is responded to according to the execution result of the credit processing flow.

[0117] Of course, the computer-readable storage medium storing a computer program provided in the embodiment of the present invention is not limited to the above method operations, and can also execute related operations in the credit processing method provided in any embodiment of the present invention.

[0118] Through the above description of the implementation mode, the technicians in the relevant field can clearly understand that the present invention can be implemented by means of software and necessary general hardware, and of course can also be implemented by hardware, but in many cases the former is a better implementation mode. Based on such an understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory (FLASH), hard disk or optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a mobile terminal, a server, or a network device, etc.) to perform the methods of various embodiments of the present invention.

[0119] It is worth noting that in the embodiment of the above-mentioned credit processing device, the various units and modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be realized; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of the present invention.

[0120] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A credit processing method, characterized in that: include: Receive and store the target credit processing logic issued by the credit processing logic configuration management system; Receive a target credit request, and obtain a matching target credit processing logic according to the target credit request; wherein the target credit processing logic is a preconfigured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between hierarchies and parallel processing sub-logics within a hierarchy; Sending the target credit processing logic to a target application, calling the target application to execute a credit processing flow matching the target credit request according to the target credit processing logic; wherein there are multiple target applications; receiving the execution result of the credit processing flow fed back by the target application; Responding to the target credit request according to the execution result of the credit processing flow; Among them, the target credit processing logic is generated based on multiple credit processing standard sub-modules selected from a preset credit processing standard sub-module set, and a hierarchical parallel and serial processing logic matching the multiple credit processing standard sub-modules; each of the credit processing standard sub-modules is used to implement a processing sub-process in the credit processing process; the hierarchical parallel and serial processing logic matching the multiple credit processing standard sub-modules includes: the processing level to which each of the credit processing standard sub-modules belongs, and the serial order between each processing level.

2. The method according to claim 1, characterized in that The information processing type to which the credit processing standard submodule belongs includes at least one of the following: Information submission processing, information query processing, information verification processing, and information review processing.

3. The method according to claim 1, characterized in that Executing a credit processing flow matching the target credit request according to the target credit processing logic includes: Obtaining one level in turn as the current processing level according to the level order involved in the target credit processing logic; If the current processing level includes multiple processing sub-processes, resource scheduling is performed according to the multiple processing sub-processes and the multiple processing sub-processes are processed in parallel; If the current processing level includes a processing sub-flow, resources are scheduled according to the processing sub-flow and the processing sub-flow is processed; If the processing results of each processing sub-process within the current processing level indicate completion, success or pass, then return to execute the operation of obtaining one level as the current processing level in the order of the levels involved in the target credit processing logic, until all levels involved in the target credit processing logic are processed, and the credit processing process is terminated.

4. The method according to claim 3, characterized in that Also includes: If the processing result of any of the processing sub-processes in the current processing level indicates failure or failure, the credit processing process is terminated.

5. The method according to claim 3 or 4, characterized in that: Responding to the target credit request according to the execution result of the credit processing flow includes: According to the processing results of each of the executed processing sub-processes, a target credit response corresponding to the target credit request is generated, and the target credit response is fed back.

6. A credit processing device, characterized in that: include: The credit processing logic synchronization module is used to receive and store the target credit processing logic issued by the credit processing logic configuration management system; A credit request receiving and credit processing logic determining module, used to receive a target credit request and obtain a matching target credit processing logic according to the target credit request; wherein the target credit processing logic is a pre-configured hierarchical parallel-serial processing logic, and the hierarchical parallel-serial processing logic includes serial processing sub-logics between hierarchies and parallel processing sub-logics within a hierarchy; A credit processing logic execution module, used to send the target credit processing logic to a target application, and call the target application to execute a credit processing flow matching the target credit request according to the target credit processing logic; wherein there are multiple target applications; A credit request response module, used to respond to the target credit request according to the execution result of the credit processing flow; Among them, the target credit processing logic is generated based on multiple credit processing standard sub-modules selected from a preset credit processing standard sub-module set, and a hierarchical parallel and serial processing logic matching the multiple credit processing standard sub-modules; each of the credit processing standard sub-modules is used to implement a processing sub-process in the credit processing process; the hierarchical parallel and serial processing logic matching the multiple credit processing standard sub-modules includes: the processing level to which each of the credit processing standard sub-modules belongs, and the serial order between each processing level.

7. A computer device, characterized in that: The computer device comprises: one or more processors; a memory for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 5.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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