Method and apparatus for batch processing of equity

Abstract

This invention discloses a method and apparatus for batch processing of benefits, relating to the field of automatic programming technology. The method includes: receiving benefit application documents, which record benefit applications submitted by customers through multiple channels; parsing the benefit application documents to obtain multi-channel benefit application information; filtering the multi-channel benefit application information according to the benefit applicant's bank card information and benefit mutual exclusion rules to obtain benefit applications that meet the application conditions; generating customer benefits and benefit transaction records in batches for benefit applications that meet the application conditions; generating benefit deduction lists in batches based on the benefit transaction records; and transmitting the benefit deduction lists to a credit card component for deduction processing. This invention, by processing benefit applications from different channels, can effectively alleviate the impact of large amounts of data on the performance of online application systems, improve data processing efficiency, and reduce data processing costs.

Description

Technical Field

[0001] This invention relates to the field of automatic programming technology, and in particular to a method and apparatus for batch processing of rights. Background Technology

[0002] This section is intended to provide background or context for the embodiments of the invention set forth in the claims. The description herein is not an admission that it is prior art simply because it is included in this section.

[0003] Currently, banks are competing to launch various customer benefits to improve service quality and enhance customer experience. With the continuous development of their businesses, the channels for purchasing these benefits, such as branches, mobile banking, telephone banking, and online banking, are constantly expanding, the target customer base for these benefits is rapidly increasing, and the total amount of related benefit data is also expanding rapidly. Benefits represent a customer's rights and interests within a certain period, including the legally protected rights and interests held by the customer at the bank or other institutions. Customer benefits are generally linked to the bank card held by the customer.

[0004] For large commercial banks, purchasing customer benefits through single applications across multiple channels leads to redundancy in processing benefits from different channels, low data processing efficiency, high server load, and impacts online transaction performance. Current benefit application solutions on the market are unsatisfactory in terms of customer experience, performance, and functional scalability. As business grows, the performance pressure on online servers will increase, and a lack of scalability will cause a sharp decline in transaction performance due to large volumes of data, negatively impacting customer experience. Summary of the Invention

[0005] This invention provides a method for batch processing of rights claims, which can batch process rights claims from different channels, effectively mitigating the impact of large amounts of data on the performance of online application systems. The method includes:

[0006] Receive rights application documents, which record the rights applications submitted by customers through multiple channels;

[0007] The rights application documents are analyzed to obtain rights application information from multiple channels;

[0008] Based on the bank card information of the customers applying for benefits and the mutual exclusion rules of benefits, the benefit application information from multiple channels is filtered to obtain the benefit applications that meet the application conditions;

[0009] For eligible rights applications, generate customer rights and rights transaction records in batches;

[0010] Generate a list of rights and benefits deductions in batches based on the transaction history, and then transmit the list of rights and benefits deductions to the credit card component for deduction processing.

[0011] In this embodiment, receiving a claim document includes: receiving a claim document transmitted by an online application system, wherein the format of the claim document is agreed upon in advance with the online application system.

[0012] In this embodiment, after parsing the rights application documents to obtain rights application information from multiple channels, the process further includes:

[0013] Load multi-channel rights application information into the local database.

[0014] In this embodiment, after parsing the rights application documents to obtain rights application information from multiple channels, the process further includes:

[0015] Clean up the multi-channel rights application information and remove the multi-channel rights application information corresponding to duplicate purchase applications.

[0016] In this embodiment, based on the bank card information of the benefit applicant and the benefit exclusivity rules, benefit application information from multiple channels is filtered to obtain benefit applications that meet the application conditions, including:

[0017] Based on the bank card information of the customer applying for benefits and the mutual exclusion rules for benefits, remove multi-channel benefit application information corresponding to invalid purchase applications.

[0018] In this embodiment, based on the bank card information of the customer applying for benefits and the benefit mutual exclusion rule, multi-channel benefit application information corresponding to invalid purchase applications is removed, including:

[0019] Based on the bank card information of customers applying for benefits and the mutual exclusion rules of benefits, we perform unified filtering according to the priority of benefit purchase and remove multi-channel benefit application information corresponding to invalid purchase applications.

[0020] In this embodiment, for benefit applications that meet the application requirements, customer benefits are generated in batches, including:

[0021] The system maps eligible benefit applications to customers' bank cards, generating customer benefits in batches.

[0022] In this embodiment, after transmitting the benefit deduction list to the credit card component for deduction processing, the method further includes:

[0023] Receive the deduction feedback file returned by the credit card component, and parse the deduction feedback file to obtain the deduction feedback list;

[0024] By comparing the deduction feedback list with the rights deduction list, the customer rights record of the successful application can be obtained;

[0025] Successful customer rights records are transmitted to an online database for storage.

[0026] In this embodiment, after parsing the deduction feedback file to obtain the deduction feedback list, the method further includes:

[0027] Store the deduction feedback list in the local database.

[0028] In this embodiment, after obtaining the customer's rights record after successful application, the process further includes:

[0029] Update the transaction history of rights and interests based on the records of customers whose rights and interests have been successfully applied for.

[0030] This invention also provides a batch processing apparatus for rights claims, used to batch process rights claims from different channels, effectively mitigating the impact of large amounts of data consumption on the performance of online application systems. The apparatus includes:

[0031] The rights application document receiving module is used to receive rights application documents, which record the rights applications submitted by customers through multiple channels;

[0032] The rights application document parsing module is used to parse rights application documents and obtain rights application information from multiple channels;

[0033] The rights application information filtering module is used to filter rights application information from multiple channels based on the bank card information of the rights application customer and the rights mutual exclusion rules to obtain rights applications that meet the application conditions;

[0034] The rights generation module is used to generate customer rights and rights transaction records in batches for rights applications that meet the application conditions;

[0035] The deduction processing module is used to generate a list of deductions for rights and interests in batches based on the transaction history, and then transmit the list of deductions for rights and interests to the credit card component for deduction processing.

[0036] In this embodiment, the application document receiving module is specifically used for:

[0037] Receive a rights claim document transmitted by an online application system, the format of which is agreed upon in advance with the online application system.

[0038] In this embodiment, the device further includes a loading module for:

[0039] The rights application document parsing module parses the rights application documents and obtains rights application information from multiple channels. Then, the rights application information from multiple channels is loaded into the local database.

[0040] In this embodiment, the device further includes a cleaning module for:

[0041] The rights application document parsing module parses the rights application documents to obtain multi-channel rights application information. Then, the multi-channel rights application information is cleaned to remove multi-channel rights application information corresponding to duplicate purchase applications.

[0042] In this embodiment, the rights application information filtering module is specifically used for:

[0043] Based on the bank card information of the customer applying for benefits and the mutual exclusion rules for benefits, remove multi-channel benefit application information corresponding to invalid purchase applications.

[0044] In this embodiment, the rights application information filtering module is specifically used for:

[0045] Based on the bank card information of customers applying for benefits and the mutual exclusion rules of benefits, we perform unified filtering according to the priority of benefit purchase and remove multi-channel benefit application information corresponding to invalid purchase applications.

[0046] In this embodiment, the rights generation module is specifically used for:

[0047] The system maps eligible benefit applications to customers' bank cards, generating customer benefits in batches.

[0048] In this embodiment, the device further includes a comparison module, used after the deduction processing module transmits the rights and benefits deduction list to the credit card component for deduction processing:

[0049] Receive the deduction feedback file returned by the credit card component, and parse the deduction feedback file to obtain the deduction feedback list;

[0050] By comparing the deduction feedback list with the rights deduction list, the customer rights record of the successful application can be obtained;

[0051] Successful customer rights records are transmitted to an online database for storage.

[0052] In this embodiment, the comparison module is also used after parsing the deduction feedback file to obtain the deduction feedback list:

[0053] Store the deduction feedback list in the local database.

[0054] In this embodiment, the comparison module is also used after obtaining the customer's successful application rights record:

[0055] Update the transaction history of rights and interests based on the records of customers whose rights and interests have been successfully applied for.

[0056] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the batch processing method of the above-mentioned claims.

[0057] This invention also provides a computer-readable storage medium storing a computer program for performing the batch processing method described above.

[0058] In this embodiment of the invention, a rights application document is received, which records rights applications submitted by customers through multiple channels. The document is parsed to obtain rights application information from multiple channels. Based on the bank card information of the rights applicant and rights exclusion rules, the information is filtered to obtain rights applications that meet the application conditions. For rights applications that meet the application conditions, customer rights and rights transaction records are generated in batches. A rights deduction list is generated in batches based on the rights transaction records and transmitted to the credit card component for deduction processing. Compared with the existing technology of processing rights applications from multiple channels one by one through an online application system, processing rights applications from different channels can effectively alleviate the impact of large amounts of data on the performance of the online application system, improve data processing efficiency, and reduce data processing costs. Attached Figure Description

[0059] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0060] Figure 1 This is a flowchart illustrating the batch processing method for the rights and interests in this embodiment of the invention.

[0061] Figure 2 This is a specific example diagram of the batch processing method of the rights in the embodiments of the present invention;

[0062] Figure 3 This is an internal component design diagram of a specific example of the batch processing method according to the claims in this invention.

[0063] Figure 4 This is a schematic diagram of the structure of the batch processing device according to an embodiment of the present invention;

[0064] Figure 5 This is a schematic diagram of a specific example of the batch processing device according to the present invention.

[0065] Figure 6 This is a schematic diagram of a specific example of the batch processing device according to the present invention.

[0066] Figure 7 This is a schematic diagram of a specific example of the batch processing device according to the present invention.

[0067] Figure 8 This is a schematic diagram of a computer device structure according to an embodiment of the present invention. Detailed Implementation

[0068] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0069] To address the issue of existing technologies where large amounts of data consume system resources and negatively impact online application system performance when processing multi-channel customer benefit applications one by one, this invention addresses the problem by receiving benefit application files (recording benefit applications submitted by customers through multiple channels), parsing these files to obtain multi-channel benefit application information, filtering the multi-channel benefit application information based on the customer's bank card information and benefit exclusivity rules to obtain benefit applications that meet the application requirements, generating customer benefits and benefit transaction records in batches for eligible benefit applications, and generating benefit deduction lists in batches based on the benefit transaction records, which are then transmitted to the credit card component for deduction processing. This effectively alleviates the impact of large amounts of data consumption on online application system performance, improves data processing efficiency, and reduces data processing costs.

[0070] Figure 1 This is a flowchart illustrating the batch processing method of the claims in this embodiment of the invention. Figure 1 As shown, the batch processing method for the rights in this embodiment of the invention may include:

[0071] Step 101: Receive the rights application documents, which record the rights applications submitted by the customer through multiple channels;

[0072] Step 102: Analyze the rights application documents to obtain rights application information from multiple channels;

[0073] Step 103: Based on the bank card information of the benefit applicant and the benefit mutual exclusion rules, filter the benefit application information from multiple channels to obtain the benefit applications that meet the application conditions;

[0074] Step 104: For rights applications that meet the application requirements, generate customer rights and rights transaction records in batches;

[0075] Step 105: Generate a list of rights and benefits deductions in batches based on the rights and benefits transaction records, and transmit the list of rights and benefits deductions to the credit card component for deduction processing.

[0076] Figure 1The process shown can be implemented by a device, equipment, or system capable of performing the corresponding function. This device, equipment, or system may be called a batch system, for example. Of course, those skilled in the art will understand that this name is only one example, and other names may be selected according to the needs during implementation. In this embodiment of the invention, a batch system is used as an example for illustration.

[0077] Depend on Figure 1 As can be seen from the process shown, the batch processing method for rights in this embodiment of the invention is different from the prior art method of processing rights applications from multiple channels of customers one by one through an online application system. This embodiment of the invention can transfer the calculation process of rights applications from the online application system to the batch system, which can effectively alleviate the impact of a large amount of data on the performance of the online application system, improve data processing efficiency, and reduce data processing costs.

[0078] In practice, the system receives a rights claim document transmitted from the online application system, the format of which is agreed upon in advance with the online application system.

[0079] In this embodiment, a rights application file is first received. This file records rights applications submitted by customers through multiple channels. Customers can submit rights applications to the online application system through multiple channels; there can be one or more customers. The online application system collects the rights applications from multiple channels into a single rights application file and transmits it to the batch system. Before receiving the rights application file, the batch system can agree on the format of the rights application file with the online application system so that the batch system can parse the file.

[0080] In practice, after parsing the rights application documents and obtaining rights application information from multiple channels, the process also includes loading the rights application information from multiple channels into a local database.

[0081] In this embodiment, the online application system only needs to collect and transmit the rights application. The batch system processes the rights application files. Therefore, after parsing the rights application files and obtaining the rights application information from multiple channels, the batch system loads the multi-channel rights application information into the local database for subsequent processing.

[0082] In practice, after parsing the rights application documents and obtaining the rights application information from multiple channels, the process also includes cleaning the rights application information from multiple channels and removing the rights application information from multiple channels corresponding to duplicate purchase applications.

[0083] In this embodiment, parsing the benefit application documents reveals that some of the multi-channel benefit application information consists of duplicate applications submitted by the customer. For example, a customer may have previously successfully applied for the same benefit and is submitting another application while the benefit is still valid; or a customer may mistakenly believe their application was unsuccessful and submit multiple duplicate applications. To remove duplicate applications, the bank card information of the benefit applicant can be used. This bank card information may include, for example, the customer's basic personal information, bank card level and corresponding permissions, successfully applied benefit information, and expired benefit information. The bank card information of the customer applying for the benefit can be stored in an online database, which can be a data warehouse.

[0084] In practice, based on the bank card information of the rights applicant and the rights exclusion rules, the rights application information from multiple channels is filtered to obtain the rights applications that meet the application conditions. This includes: removing the rights application information from multiple channels corresponding to invalid purchase applications based on the bank card information of the rights applicant and the rights exclusion rules.

[0085] In this embodiment, invalid purchase applications may include, for example, benefits that a customer has already successfully applied for and benefits that are currently being applied for violate the mutual exclusion rule and cannot coexist; or benefits that a customer is applying for are restricted by the bank card level and cannot be applied for, etc.

[0086] In practice, based on the bank card information of the customer applying for benefits and the mutual exclusion rules for benefits, the multi-channel benefit application information corresponding to invalid purchase applications is removed. This may include: based on the bank card information of the customer applying for benefits and the mutual exclusion rules for benefits, uniformly filtering according to the priority of benefit purchase, and removing the multi-channel benefit application information corresponding to invalid purchase applications.

[0087] In this embodiment, since customers applying for benefits have different levels, the corresponding invalid applications also differ. Customers can be categorized by priority, and applications from customers of the same priority level can be filtered uniformly based on their corresponding bank card information and benefit exclusivity rules.

[0088] In practice, for eligible benefit applications, customer benefits are generated in batches, including mapping eligible benefit applications to customers' bank cards and generating customer benefits in batches.

[0089] In this embodiment, when generating customer benefits, a customer who meets the application requirements can have multiple bank cards that meet the application requirements at the same time, or multiple customers who meet the application requirements at the same priority can meet the application requirements at the same time. Therefore, mapping the benefit applications that meet the application requirements to the customer's bank cards can avoid errors.

[0090] In practice, after transmitting the benefit deduction list to the credit card component for deduction processing, the process may also include: receiving the deduction feedback file returned by the credit card component, parsing the deduction feedback file to obtain the deduction feedback list; comparing the deduction feedback list with the benefit deduction list to obtain the customer benefit record of the successful application; and transmitting the customer benefit record of the successful application to the online database for storage.

[0091] In this embodiment, when generating customer benefits in batches, corresponding benefit transaction records can be generated. These transaction records are then used to further generate benefit deduction lists in batches. The batch system transmits these deduction lists to the credit card component of the online application system for deduction processing. After the credit card component completes the deduction processing, the customer benefit application is successful. To verify the successful application, the credit card component records the deduction details, generates a deduction feedback file, and then transmits this file to the batch system. Upon receiving the deduction feedback file from the credit card component, the batch system parses it to obtain the deduction feedback list, which shows the completion status of the customer benefit deductions. The system compares the deduction feedback list with the benefit deduction list to obtain the successfully applied customer benefit record. The batch system then transmits this record to the online database for storage.

[0092] In practice, after parsing the deduction feedback file to obtain the deduction feedback list, the process also includes storing the deduction feedback list in a local database.

[0093] In this embodiment, the deduction feedback list is the basis for verifying whether the benefit application is successful. This embodiment of the invention processes benefit applications in batches through a batch system. Comparing the deduction feedback list with the benefit deduction list can be a processing task of the batch system, and the deduction feedback list is stored in a local database.

[0094] In practice, after obtaining the customer's rights record for a successful application, the process also includes updating the rights transaction log based on the successful application record.

[0095] In this embodiment, the customer's benefit application is successful after the credit card component completes the deduction process; if the customer does not make the deduction, the benefit application fails. When generating customer benefits in batches, the corresponding benefit transaction records are generated, which may differ from the actual successfully applied customer benefits. Therefore, the benefit transaction records can be updated based on the successfully applied customer benefit records for front-end querying.

[0096] Figure 2 This is a specific example diagram of the batch processing method of the claims in an embodiment of the present invention. For example... Figure 2 As shown, in this example, the online database is a data warehouse, and the bank card is a credit card. The processing flow of the batch processing method for rights in this example may include:

[0097] Step 201: The batch system receives the rights application files transmitted by the online application system, parses the rights application files, and loads the rights application information into the local database;

[0098] Step 202: The batch system receives credit card information transmitted from the data warehouse, cleans the multi-channel benefit application information based on the credit card information of the benefit application customers, and removes the multi-channel benefit application information corresponding to duplicate purchase applications;

[0099] Step 203: The batch system filters multi-channel benefit application information based on the credit card information of the benefit application customers and the benefit mutual exclusion rules, removes multi-channel benefit application information corresponding to invalid purchase applications, and generates customer benefits and benefit transaction records in batches;

[0100] Step 204: The batch system generates a list of equity deductions based on equity transaction records;

[0101] Step 205: The batch system transmits the list of deductions to the credit card component for deduction processing;

[0102] Step 206: The batch system receives the deduction feedback file returned by the credit card component, parses the deduction feedback file to obtain the deduction feedback list; compares the deduction feedback list with the rights deduction list to obtain the customer rights record of successful application;

[0103] Step 207: The batch system will transfer the successfully applied customer rights records to the data warehouse for storage.

[0104] Figure 3 This is an internal component design diagram of a specific example of the batch processing method according to an embodiment of the present invention. For example... Figure 3 As shown, in the embodiments, for example, a batch system can be constructed by combining the DataStage development component and the Oracle database on the P8 platform to process batch rights applications; the Oracle database, as a relational database, has complete data management functions and can be selected as the database for online application systems; GreenPlum is an online database, such as a relational database for data warehouse applications; NFT represents the transfer of files over a network; the scope of protection of the embodiments of the present invention is not limited to the examples given.

[0105] This invention also provides a batch processing apparatus for rights, as described in the following embodiments. Since the principle by which this apparatus solves the problem is similar to the batch processing method for rights, the implementation of this apparatus can be found in the implementation of the method, and repeated details will not be elaborated further.

[0106] Figure 4 This is a schematic diagram of the structure of the batch processing device according to an embodiment of the present invention. Figure 4 As shown, the batch processing apparatus of the present invention may include:

[0107] The rights application document receiving module 401 is used to receive rights application documents, which record the rights applications submitted by customers through multiple channels;

[0108] The rights application document parsing module 402 is used to parse rights application documents to obtain rights application information from multiple channels;

[0109] The rights application information filtering module 403 is used to filter rights application information from multiple channels based on the bank card information of the rights application customer and the rights mutual exclusion rules to obtain rights applications that meet the application conditions.

[0110] The rights generation module 404 is used to generate customer rights and rights transaction records in batches for rights applications that meet the application conditions;

[0111] The deduction processing module 405 is used to generate a batch of rights deduction lists based on rights transaction flow, and transmit the rights deduction lists to the credit card component for deduction processing.

[0112] In this embodiment, the application document receiving module 401 is specifically used for:

[0113] Receive a rights claim document transmitted by an online application system, the format of which is agreed upon in advance with the online application system.

[0114] Figure 5 This is a schematic diagram of a specific example of the batch processing device according to an embodiment of the present invention. Figure 5 As shown in the embodiment, Figure 4 The batch processing apparatus for the rights shown also includes a loading module 501, for:

[0115] The rights application document parsing module parses the rights application documents and obtains rights application information from multiple channels. Then, the rights application information from multiple channels is loaded into the local database.

[0116] Figure 6 This is a schematic diagram of a specific example of the batch processing device according to an embodiment of the present invention. Figure 6 As shown in the embodiment, Figure 4 The batch processing apparatus for the rights shown also includes a cleaning module 601, used for:

[0117] The rights application document parsing module parses the rights application documents to obtain multi-channel rights application information. Then, the multi-channel rights application information is cleaned to remove multi-channel rights application information corresponding to duplicate purchase applications.

[0118] Figure 6 The device in may include Figure 5 The loading module 501 shown.

[0119] In this embodiment, the rights application information filtering module 403 is specifically used for:

[0120] Based on the bank card information of the customer applying for benefits and the mutual exclusion rules for benefits, remove multi-channel benefit application information corresponding to invalid purchase applications.

[0121] In this embodiment, the rights application information filtering module 403 is specifically used for:

[0122] Based on the bank card information of customers applying for benefits and the mutual exclusion rules of benefits, we perform unified filtering according to the priority of benefit purchase and remove multi-channel benefit application information corresponding to invalid purchase applications.

[0123] In this embodiment, the rights generation module 404 is specifically used for:

[0124] The system maps eligible benefit applications to customers' bank cards, generating customer benefits in batches.

[0125] Figure 7 This is a schematic diagram of a specific example of the batch processing device according to an embodiment of the present invention. Figure 7 As shown in the embodiment, Figure 4 The batch processing apparatus for the rights shown also includes a comparison module 701, used after the deduction processing module transmits the rights deduction list to the credit card component for deduction processing:

[0126] Receive the deduction feedback file returned by the credit card component, and parse the deduction feedback file to obtain the deduction feedback list;

[0127] By comparing the deduction feedback list with the rights deduction list, the customer rights record of the successful application can be obtained;

[0128] Successful customer rights records are transmitted to an online database for storage.

[0129] In this embodiment, the comparison module 701 is further configured to, after parsing the deduction feedback file to obtain the deduction feedback list:

[0130] Store the deduction feedback list in the local database.

[0131] In this embodiment, the comparison module 701 is further configured to, after obtaining the customer's rights record of a successful application:

[0132] Update the transaction history of rights and interests based on the records of customers whose rights and interests have been successfully applied for.

[0133] Figure 7 The device in may include Figure 5The loading module 501 shown.

[0134] Figure 7 The device in may include Figure 6 The cleaning module 601 shown.

[0135] Based on the aforementioned inventive concept, such as Figure 8 As shown, the present invention also proposes a computer device 800, including a memory 810, a processor 820, and a computer program 830 stored in the memory 810 and executable on the processor 820. When the processor 820 executes the computer program 830, it implements the batch processing method of the aforementioned claims.

[0136] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the batch processing method of the aforementioned claims.

[0137] In summary, this embodiment of the invention involves receiving benefit application documents, which record benefit applications submitted by customers through multiple channels; parsing the benefit application documents to obtain multi-channel benefit application information; filtering the multi-channel benefit application information according to the benefit applicant's bank card information and benefit mutual exclusion rules to obtain benefit applications that meet the application conditions; generating customer benefits and benefit transaction records in batches for benefit applications that meet the application conditions; generating benefit deduction lists in batches based on the benefit transaction records; and transmitting the benefit deduction lists to the credit card component for deduction processing. Compared with the existing technical solution of processing multi-channel customer benefit applications one by one through an online application system, processing benefit applications from different channels can effectively alleviate the impact of large amounts of data on the performance of the online application system, improve data processing efficiency, and reduce data processing costs.

[0138] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied 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.

[0139] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0140] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0141] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0142] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above descriptions are merely specific embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for batch processing of rights, characterized in that, include: The batch system receives rights application documents transmitted from the online application system, and the rights application documents record the rights applications submitted by customers through multiple channels; Customers submit rights claims to the online application system through multiple channels. There may be one or more customers. The online application system collects the rights claims from multiple channels into a single rights claim file and transmits it to the batch system. Before receiving the rights claim file, the batch system agrees on the format of the rights claim file with the online application system so that the batch system can parse the rights claim file. The rights application documents are parsed to obtain rights application information from multiple channels, and the information from multiple channels is loaded into the local database; Based on the bank card information of the customers applying for benefits and the mutual exclusion rules for benefits, the multi-channel benefit application information is filtered according to the benefit purchase priority to obtain the benefit applications that meet the application conditions, so as to remove the multi-channel benefit application information corresponding to invalid purchase applications; invalid purchase applications include: the benefits that the customer has successfully applied for and the benefits that are being applied for violate the mutual exclusion rules for benefits, or the benefits applied for by the customer are restricted by the bank card level; Map eligible benefit applications to customers' bank cards. For eligible benefit applications, generate customer benefits and benefit transaction records in batches. When generating customer benefits, eligible benefit applicants may have multiple eligible bank cards or multiple benefit applicants with the same priority may meet the application requirements at the same time. Generate a list of deductible fees in batches based on the transaction history of the rights and interests, and then transmit the list of deductible fees to the credit card component for deduction processing; The system receives a deduction feedback file from the credit card component, parses the file to obtain a deduction feedback list, compares the deduction feedback list with the benefits deduction list to obtain the successfully applied customer benefits record, and transmits the successfully applied customer benefits record to an online database for storage. Specifically, the credit card component records the deduction status of customer benefits, generates a deduction feedback file, and transmits it to the batch system. Upon receiving the deduction feedback file from the credit card component, the batch system parses the file to obtain a deduction feedback list, which represents the completion status of customer benefits deductions. It then compares the deduction feedback list with the benefits deduction list to obtain the successfully applied customer benefits record, and transmits the successfully applied customer benefits record to an online database for storage.

2. The method as described in claim 1, characterized in that, After parsing the rights application documents to obtain rights application information from multiple channels, the process also includes cleaning the rights application information from multiple channels to remove the rights application information corresponding to duplicate purchase applications.

3. The method as described in claim 1, characterized in that, After parsing the deduction feedback file to obtain the deduction feedback list, it also includes: Store the deduction feedback list in the local database.

4. The method as described in claim 1, characterized in that, After receiving the customer's rights record upon successful application, it also includes: Update the transaction history of rights and interests based on the records of customers whose rights and interests have been successfully applied for.

5. A batch processing device for rights, characterized in that, include: The rights application document receiving module is used by the batch system to receive rights application documents transmitted from the online application system. These rights application documents record rights applications submitted by customers through multiple channels. Customers submit rights applications to the online application system through multiple channels, and there can be one or more customers. The online application system collects the rights applications from multiple channels into a single rights application document and transmits it to the batch system. Before receiving the rights application documents, the batch system agrees on the format of the rights application documents with the online application system so that the batch system can parse the rights application documents. The rights application document parsing module is used to parse rights application documents, obtain rights application information from multiple channels, and load the rights application information from multiple channels into the local database; The benefits application information filtering module is used to filter benefits application information from multiple channels according to the bank card information of the benefit applicant and the benefits mutual exclusion rules, so as to obtain the benefits application that meets the application conditions and remove the benefits application information from multiple channels corresponding to invalid purchase applications. Invalid purchase applications include: benefits that the customer has successfully applied for and benefits that are being applied for violate the benefits mutual exclusion rules, or benefits that the customer is applying for are restricted by the bank card level. The rights generation module is used to map eligible rights applications to customers' bank cards. For eligible rights applications, it generates customer rights and rights transaction records in batches. When generating customer rights, eligible rights applicants may have multiple eligible bank cards, or multiple rights applicants with the same priority may meet the application requirements at the same time. The deduction processing module is used to generate a batch of equity deduction lists based on equity transaction flow, and then transmit the equity deduction lists to the credit card component for deduction processing. The comparison module receives the deduction feedback file returned by the credit card component, parses the deduction feedback file to obtain a deduction feedback list; compares the deduction feedback list with the benefits deduction list to obtain the customer benefits record of a successful application; and transmits the customer benefits record of a successful application to an online database for storage. Specifically, the credit card component records the deduction status of customer benefits, generates a deduction feedback file, and transmits the deduction feedback file to the batch system. After receiving the deduction feedback file returned by the credit card component, the batch system parses the deduction feedback file to obtain the deduction feedback list, which represents the completion status of customer benefits deductions. It compares the deduction feedback list with the benefits deduction list to obtain the customer benefits record of a successful application, and the batch system transmits the customer benefits record of a successful application to an online database for storage.

6. The apparatus as claimed in claim 5, characterized in that, It also includes a cleaning module, used for: The rights application document parsing module parses the rights application documents to obtain multi-channel rights application information. Then, the multi-channel rights application information is cleaned to remove multi-channel rights application information corresponding to duplicate purchase applications.

7. The apparatus as claimed in claim 5, characterized in that, The comparison module is also used after parsing the deduction feedback file to obtain the deduction feedback list: Store the deduction feedback list in the local database.

8. The apparatus as claimed in claim 5, characterized in that, The comparison module is also used after obtaining the customer's rights record upon successful application: Update the transaction history of rights and interests based on the records of customers whose rights and interests have been successfully applied for.

9. 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, it implements the method of any one of claims 1 to 4.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that performs the method of any one of claims 1 to 4.

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