Data processing method, device, electronic equipment and medium for asset securitization

Abstract

The present disclosure provides a data processing method, device, electronic device and medium for asset securitization of a first business system, which relates to the field of big data or the field of finance, etc. The method includes: obtaining M types of asset data from N second business systems, where N and M are integers greater than or equal to 1; obtaining at least two types of asset data of a first user from the M types of asset data based on preset securitization parameters; associating the at least two types of asset data to obtain the asset information of the first user; and sending the asset information to a third business system, so that the third business system performs securitization processing based on the asset information. The present disclosure also provides a data processing method, device, electronic device and medium for asset securitization of a third business system.

Description

Technical Field

[0001] The present disclosure relates to the field of big data or finance, and more specifically, to a data processing method, device, electronic device, and medium for asset securitization. Background Art

[0002] Asset securitization, for example, refers to converting assets that generate predictable cash flows into securities that can be sold and circulated in the financial market. In related technologies, financial institutions can securitize traditional loan projects. For example, in order to reduce the non-performing loan rate, financial institutions can package a portion of non-performing assets for asset securitization. Prior to this, in order to analyze the quality of the assets, the assets to be securitized will be statistically analyzed, and then packaged and priced according to the asset quality. Usually, various asset data of users are distributed in hundreds of business systems of financial institutions. The source data for asset securitization statistics is generated in the corresponding business system, and the data is relatively scattered.

[0003] In the process of implementing the concept of the present disclosure, the inventors found that there are at least the following problems in the related art:

[0004] In the data processing process of asset securitization, since business systems interact to obtain source data through file interfaces, and each business system may have different interface logic, the current data processing method increases the coupling between business systems and has low processing efficiency. Summary of the invention

[0005] In view of this, the embodiments of the present disclosure provide a data processing method, device, electronic device and storage medium for asset securitization that can obtain various asset data through a third-party business system and perform processing and calculation to obtain user asset information.

[0006] One aspect of the embodiments of the present disclosure provides a data processing method for asset securitization of a first business system. The method includes: obtaining M types of asset data from N second business systems, where N and M are integers greater than or equal to 1; obtaining at least two types of asset data of a first user from the M types of asset data based on preset securitization parameters; associating the at least two types of asset data to obtain asset information of the first user; and sending the asset information to a third business system so that the third business system performs securitization processing based on the asset information.

[0007] According to an embodiment of the present disclosure, the securitization parameters include a securitization identifier, and obtaining at least two asset data of the first user from the M types of asset data includes: obtaining account information of the first user based on the securitization identifier; and obtaining the at least two asset data from the M types of asset data based on the account information.

[0008] According to an embodiment of the present disclosure, the first business system includes a distributed file system, and after acquiring M types of asset data in N second business systems, it further includes: storing the M types of asset data in at least one node of the distributed file system.

[0009] According to an embodiment of the present disclosure, account information of multiple first users is obtained based on the securitization identifier; wherein obtaining the at least two asset data from the M types of asset data based on the account information includes: the at least one node performs distributed computing to obtain the at least two asset data of each first user based on the account information of multiple first users.

[0010] According to an embodiment of the present disclosure, associating the at least two asset data to obtain the asset information of the first user includes: creating an asset information table, wherein the asset information table includes a plurality of associated field information, the field information including field information corresponding to each of the at least two asset data; and based on the field information, filling each asset data into the asset information table.

[0011] According to an embodiment of the present disclosure, the at least two types of asset data include: at least two of account information, credit information, repayment information, interest rate information or personal information.

[0012] According to an embodiment of the present disclosure, the method further includes: receiving the securitization parameter sent by the third business system.

[0013] Another aspect of the disclosed embodiment provides a data processing method for asset securitization of a third business system. The method includes: sending a preset securitization parameter to a first business system, so that the first business system obtains at least two asset data of a first user from M types of asset data based on the securitization parameter; receiving asset information of the first user sent by the first business system, wherein the asset information includes information obtained by the first business system associating the at least two asset data; and performing securitization processing based on the asset information.

[0014] According to an embodiment of the present disclosure, the securitization processing based on the asset information includes: receiving a query instruction; and displaying the asset information based on the query instruction.

[0015] Another aspect of the disclosed embodiment provides a data processing device for asset securitization of a first business system. The device includes a first acquisition module, a second acquisition module, a data association module, and an information sending module. The first acquisition module is used to acquire M types of asset data from N second business systems, where N and M are integers greater than or equal to; the second acquisition module is used to acquire at least two types of asset data of a first user from the M types of asset data based on preset securitization parameters; the data association module is used to associate the at least two types of asset data to obtain the asset information of the first user; and the information sending module is used to send the asset information to a third business system so that the third business system performs securitization processing based on the asset information.

[0016] Another aspect of the disclosed embodiment provides a data processing device for asset securitization of a third business system. The device includes a parameter sending module, an information receiving module, and a securitization processing module. The parameter sending module is used to send a preset securitization parameter to the first business system, so that the first business system obtains at least two asset data of the first user from M types of asset data based on the securitization parameter; the information receiving module is used to receive the asset information of the first user sent by the first business system, wherein the asset information includes information obtained by the first business system associating the at least two asset data; the securitization processing module is used to perform securitization processing based on the asset information.

[0017] Another aspect of the embodiment of the present disclosure provides an electronic device. The electronic device includes one or more memories and one or more processors. The memories store executable instructions. The processor executes the executable instructions to implement the above method.

[0018] Another aspect of an embodiment of the present disclosure provides a computer-readable storage medium storing computer-executable instructions, which are used to implement the method described above when executed.

[0019] Another aspect of the embodiments of the present disclosure provides a computer program product, including a computer program / instruction, which implements the above-mentioned method when executed by a processor.

[0020] One or more of the above-mentioned embodiments have the following advantages or beneficial effects: it can at least partially solve the problem of high coupling between the business systems, obtain M types of asset data from N second business systems through the first business system, obtain at least two types of asset data of the first user according to the securitization parameters, and send the asset information of the first user to the third business system after obtaining it, which can reduce the coupling between the third business system and each second business system. In addition, the asset data acquisition and association operations are completed through the first business system, which reduces the performance pressure of the third business system in performing large data volume processing and calculation locally. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] The above and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0022] Figure 1 An exemplary system architecture to which the data processing method for asset securitization can be applied according to an embodiment of the present disclosure is schematically shown;

[0023] Figure 2 The data processing method for asset securitization of the first business system according to an embodiment of the present disclosure is schematically shown;

[0024] Figure 3 A flowchart of obtaining at least two asset data of a first user according to an embodiment of the present disclosure is schematically shown;

[0025] Figure 4 The flowchart of obtaining the asset information of the first user according to an embodiment of the present disclosure is schematically shown;

[0026] Figure 5 A data processing method for asset securitization of a first business system according to another embodiment of the present disclosure is schematically shown;

[0027] Figure 6 The data processing method for asset securitization of the third business system according to an embodiment of the present disclosure is schematically shown;

[0028] Figure 7 A flowchart of securitization processing based on asset information according to an embodiment of the present disclosure is schematically shown;

[0029] Figure 8 A block diagram schematically shows a data processing device for asset securitization of a first business system according to an embodiment of the present disclosure;

[0030] Fig. 9 A block diagram schematically shows a data processing device for asset securitization of a third business system according to an embodiment of the present disclosure;

[0031] Fig.10 A block diagram schematically shows a data processing system for asset securitization according to an embodiment of the present disclosure; and

[0032] Fig.11 A block diagram of a computer system of a data processing method and apparatus suitable for asset securitization according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0033] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0034] In the related technologies, financial institutions have hundreds of business systems, and various asset data (such as accounts, customer information, approval, securitization, repayment information, interest rate calculation) are distributed on different second business systems. These asset data are also constantly updated every day, and the data volume is large. The third business system that usually performs asset securitization can be considered as a "post-loan management system". Therefore, when performing asset statistics, various asset data will be collected in the third business system, and the data will be processed and calculated locally before statistics are performed.

[0035] The third business system interacts with each second business system in the form of a file interface, and performs processing and calculation in the form of batch jobs locally. In this process, data interaction may also occur between each second business system. The current data processing method increases the coupling between each business system, and may make the performance of the third business system unable to cope with the growing data scale.

[0036] The embodiments of the present disclosure provide a data processing method, device, electronic device and medium for asset securitization of a first business system. The method includes: obtaining M types of asset data from N second business systems, where N and M are integers greater than or equal to 1. Based on preset securitization parameters, obtaining at least two types of asset data of a first user from the M types of asset data. Associating at least two types of asset data to obtain asset information of the first user. And sending the asset information to a third business system so that the third business system performs securitization processing based on the asset information.

[0037] According to the embodiments of the present disclosure, M types of asset data in N second business systems are obtained through the first business system, and at least two types of asset data of the first user are obtained according to the securitization parameters, and the asset information of the first user is sent to the third business system after being obtained. This can reduce the coupling degree between the third business system and each second business system. In addition, the acquisition and association operations of the asset data are completed through the first business system, which reduces the performance pressure of the third business system in performing large data volume processing and calculation locally.

[0038] It should be noted that the data processing method, device, electronic device and medium for asset securitization provided in the embodiments of the present disclosure can be used in data storage, computing and other related processing of big data and distributed technology, and can also be used in various fields other than big data and distributed technology, such as the financial field. The application fields of the data processing method, device, electronic device and medium for asset securitization provided in the embodiments of the present disclosure are not limited.

[0039] Figure 1 The exemplary system architecture 100 to which the data processing method for asset securitization can be applied according to an embodiment of the present disclosure is schematically shown. It should be noted that: Figure 1 What is shown is merely an example of a system architecture to which the embodiments of the present disclosure can be applied, in order to help those skilled in the art understand the technical content of the present disclosure, but it does not mean that the embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0040] like Figure 1 As shown, the system architecture 100 according to this embodiment may include a terminal device 110, a first business system 130, a second business system 141, 142 ... 14N, and a third business system 120. The first business system 130 may include multiple node servers, such as servers 131, 132 ... 13L. The terminal device 110, the first business system 130, the second business system 141, 142 ... 14N, and the third business system 120 may provide a medium for a communication link through a network. The network may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0041] The business personnel can use the terminal device 110 to interact with the third business system 120 to receive or send messages, etc. Various communication client applications can be installed on the terminal device 110, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0042] The terminal device 110 may be any electronic device having a display screen and supporting web browsing, including but not limited to a smart phone, a tablet computer, a laptop computer, a desktop computer, and the like.

[0043] The servers in the first business system 130, the second business systems 141, 142 ... 14N, and the third business system 120 may be servers that provide various services. For example, the first business system 130 may include a background management server (only as an example) that supports websites browsed by users using the terminal device 110. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0044] According to an embodiment of the present disclosure, the second business system 141 may store personal information of multiple users in a financial institution, such as unit address, work information, age, spouse or emergency contact information. The second business system 142 may store repayment information of multiple users, such as loan products, loan dates, repayment dates, repaid amounts, and other information. The second business system 143 (not shown) may store interest rate information of multiple loan products, or information such as the type, amount, and target customers of loan products. Since financial institutions serve a large number of users, the data stored in the second business systems 141, 142, ... 14N are large in scale, and the data scale grows at a faster rate every day.

[0045] According to an embodiment of the present disclosure, the first business system 130 may be a distributed system, a cloud platform or a cloud service system. The first business system 130 may first synchronize various asset data from the second business systems 141, 142...14N. Business personnel may use the terminal device 110 to issue control instructions to the first business system 130 through the third business system 120. The control instructions may be for obtaining various asset data or for instructing the first business system 130 to perform corresponding computing tasks.

[0046] It should be noted that the data processing method for asset securitization applied to the first business system provided in the embodiment of the present disclosure can generally be executed by any one or more of the servers 131, 132...13L. Accordingly, the data processing device for asset securitization applied to the first business system provided in the embodiment of the present disclosure can generally be set in any one or more of the servers 131, 132...13L.

[0047] The data processing method for asset securitization applied to the third business system provided in the embodiment of the present disclosure can generally be executed by the server 120. Accordingly, the data processing device for asset securitization applied to the third business system provided in the embodiment of the present disclosure can generally be arranged in the server 120. The data processing method for asset securitization applied to the third business system provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 120 and can communicate with the terminal device 110 and / or the server 120. Accordingly, the data processing device for asset securitization applied to the third business system provided in the embodiment of the present disclosure can also be arranged in a server or server cluster that is different from the server 120 and can communicate with the terminal device 110 and / or the server 120.

[0048] It should be understood that Figure 1 The number of terminal devices, business systems and servers in the embodiment is only for illustration. Any number of terminal devices, business systems and servers may be provided according to implementation requirements.

[0049] Figure 2 The data processing method for asset securitization of the first business system according to an embodiment of the present disclosure is schematically illustrated.

[0050] like Figure 2 As shown, the data processing method for asset securitization according to the embodiment of the present disclosure may include operations S210 to S240.

[0051] In operation S210, M types of asset data in N second business systems are obtained, for example, M types of asset data of S users are obtained, where S, N, and M are integers greater than or equal to 1.

[0052] According to an embodiment of the present disclosure, asset data (such as account information, personal information, transaction information, repayment information, product information, interest rate information, etc.) stored in each of N second business systems can be synchronized to a third business system.

[0053] In some embodiments of the present disclosure, different synchronization methods can be set for different types of asset data. For example, for interest rate information, all data can be obtained from the corresponding second business system every day for full update. For transaction details, incremental updates can be performed according to date, such as obtaining the transaction details generated on the same day for synchronous update.

[0054] In operation S220, at least two types of asset data of the first user are obtained from the M types of asset data based on preset securitization parameters.

[0055] According to an embodiment of the present disclosure, the at least two asset data include: at least two of account information, credit information, repayment information, interest rate information or personal information.

[0056] According to an embodiment of the present disclosure, the first business system may receive the securitization parameters sent by the third business system. Figure 1 , the business personnel can use the terminal device 110 to send a control instruction to the first business system 130 through the third business system 120, and the control instruction may include securitization parameters. Among them, the securitization parameters may include user ID, asset data type, date, securitization period or identification information, etc.

[0057] In operation S230, at least two types of asset data are associated to obtain asset information of the first user.

[0058] According to an embodiment of the present disclosure, for example, in each period, the loans of 1,000 users (for example only) will be securitized. For each user (i.e., the first user), first, the account information of the user is obtained. Then, the bank card information of the user is obtained based on the account information, and the repayment details of the card are queried, or when the user uses multiple bank cards to repay the loan, the repayment details of the user can be directly retrieved based on the account information. Next, the credit information of the user is obtained based on the account information, wherein the five-level classification information in the credit information can be determined, wherein the five-level classification information of the loan includes normal, concern, substandard, suspicious and loss. Thirdly, the interest rate information of the day can be obtained based on the date in the securitization parameters, and the personal information of the user, such as the unit address, work information, etc., can be obtained based on the account information. Finally, the above information is associated to obtain the asset information of the first user.

[0059] In operation S240, the asset information is sent to a third business system, so that the third business system performs securitization processing based on the asset information.

[0060] According to the embodiments of the present disclosure, by acquiring M types of asset data of S users in N second business systems, acquiring at least two types of asset data of the first user according to the securitization parameters, and sending the asset information of the first user to the third business system after obtaining it, the coupling degree between the third business system and each second business system can be reduced. In addition, the acquisition and association operations of the asset data are completed through the first business system, which reduces the performance pressure of the third business system in performing large data volume processing and calculation locally.

[0061] Figure 3 The flowchart of obtaining at least two asset data of the first user in operation S220 according to an embodiment of the present disclosure is schematically shown.

[0062] like Figure 3 As shown, the acquisition of at least two asset data of the first user from the M asset data in operation S220 may include operations S310 to S320. The securitization parameter includes a securitization identifier.

[0063] In operation S310, account information of the first user is obtained based on the securitization identifier.

[0064] According to an embodiment of the present disclosure, for example, the securitization identifier may include the period of asset securitization and the identifier of the account number. Figure 1 For example, the second business system 144 (not shown) stores account information of all users, and the business personnel may first identify an account number of a period in the second business system 144. Then, the business personnel may send the securitization identification to the first business system 130 through the third business system 120. Then, after obtaining the source data in the second business system 144, the first business system 130 may filter based on the securitization identification and obtain the corresponding account information.

[0065] In operation S320, at least two types of asset data are acquired from the M types of asset data based on the account information.

[0066] In the related art, the third business system 120 may directly retrieve the corresponding account information from the second business system 144, and then retrieve other asset data from the corresponding business system again based on the account information. According to the embodiments of the present disclosure, on the one hand, the first business system 130 obtains the account information, which reduces the coupling between the third business system 120 and the second business system 144. On the other hand, for example, the third business system 120 can send securitization parameters to the first business system 130, instead of retrieving the corresponding account information from the second business system 144 and then sending the account information to the first business system 130, which can reduce the amount of data transmission between the two and improve processing efficiency.

[0067] Figure 4 The flowchart of obtaining the asset information of the first user in operation S230 according to an embodiment of the present disclosure is schematically shown.

[0068] like Figure 4 As shown, associating at least two asset data to obtain the asset information of the first user in operation S230 may include operations S410 to S420.

[0069] In operation S410, an asset information table is created, wherein the asset information table includes a plurality of associated field information, and the field information includes field information corresponding to each of at least two types of asset data.

[0070] In operation S420, each asset data is filled into the asset information table based on the field information.

[0071] According to an embodiment of the present disclosure, for example, the asset information table includes interrelated field information such as account information, credit information, repayment information, interest rate information or personal information. The interrelated information may include: a user's credit information, repayment information, interest rate information or personal information, which is filled in the column corresponding to the user's account information, so that the user's asset information can be clearly reflected as a whole.

[0072] Figure 5 A data processing method for asset securitization of a first business system according to another embodiment of the present disclosure is schematically illustrated.

[0073] like Figure 5 As shown, the data processing method for asset securitization of the embodiment of the present disclosure may include operations S210, S230 and S240, and after obtaining M types of asset data in N second business systems in operation S210, operations S510 to S530 may also be included. The first business system includes a distributed file system.

[0074] In operation S210, M types of asset data of S users in N second business systems are obtained, where S, N, and M are integers greater than or equal to 1.

[0075] In operation S510, M types of asset data are stored in at least one node of a distributed file system.

[0076] Reference Figure 1 For example, N second business systems 141, 142, ... 14N may include database servers respectively, and each database server stores multiple asset data of multiple users. For example, the second business system 141 stores personal information of 10,000 users and forms a general database table. In the related art, the third business system 130 may access each second business system and obtain the asset data of the target user from the database table corresponding to each asset data. Financial institutions generally have a large amount of data, and the amount of data processed by the third business system 130 in the process of obtaining asset data is also relatively large, and the process of obtaining the data of the target user is relatively cumbersome and inefficient.

[0077] According to the embodiments of the present disclosure, for example, the HDFS (Hadoop Distribute File System) distributed file system and the IPFS (Inter Planetary File System) distributed file system can be used to synchronize the asset data on N second business systems 141, 142...14N. Taking the HDFS distributed file system as an example, the asset data scattered in each second business system can be extracted into the HDFS distributed file system by using the hadoop open source tool sqoop to extract the data of the ORACLE database of each second business system, map these structured data files into a database table, and provide the sqlon hadoop query function for storage and analysis. Compared with the way in which the third business system 130 accesses each second business system to obtain the corresponding data, the data acquisition efficiency is improved.

[0078] In operation S520, account information of a plurality of first users is obtained based on the securitization identifier.

[0079] According to an embodiment of the present disclosure, a scheduled job scheduling tool can be run on the HDFS distributed file system to execute a logic program (hql) regularly based on the period of asset securitization. For example, the specific logic may be: first, the securitization identifier is used for screening to obtain the account information of multiple first users, and the authorization control code of this part of the data is mapped with the period of securitization. Then, the account information and bank card information are associated to obtain the repayment details. Secondly, the five-level classification information is obtained through the account information. Thirdly, personal information is obtained based on the account information. At the same time, the interest rate information of the day is obtained based on the statistical date. Finally, the above fields are obtained and associated to form a wide table as an asset information table.

[0080] In operation S530, at least one node performs distributed computing to obtain at least two asset data of each first user based on account information of the plurality of first users.

[0081] In operation S230, at least two types of asset data are associated to obtain asset information of the first user.

[0082] According to the embodiments of the present disclosure, the HIVE tool in the HDFS distributed file system can convert the task of obtaining the asset data of 1,000 users in a period and interrelated tasks into multiple MapReduce tasks for execution. After the job is submitted, the jobClient will first calculate the input shard information (for example, divide the 1,000 users), and the jobTracker will assign tasks to the taskTracker according to the principle of data localization as much as possible based on the taskTracker network location. Among them, if null values ​​appear when associating large tables, they can be disassembled, and nulls can be processed separately before performing unionall operations to avoid data skew, that is, the amount of data in a certain shard is too large and the Map function execution time is too long.

[0083] In operation S240, the asset information is sent to a third business system, so that the third business system performs securitization processing based on the asset information.

[0084] According to an embodiment of the present disclosure, after the execution of the logic program (hql) is completed, an asset information table in a BIN file format can be obtained, and then the file can be sent to a third business system.

[0085] The processing method according to the embodiment of the present disclosure can solve the problem that the existing asset data is scattered in multiple second business systems, and each business system needs to provide a file interface to the business system it depends on separately. Data synchronization is performed by using the distributed file system (HDFS) data interaction between multiple second business systems and the Hadoop cluster, and the Hadoop cluster is used for offline computing (such as the acquisition of at least two types of asset data, and the association operation of asset information). It has the advantages of simple implementation, low cost, and the ability to cope with securitization statistics of large amounts of data.

[0086] Figure 6 The data processing method for asset securitization of the third business system according to an embodiment of the present disclosure is schematically illustrated.

[0087] like Figure 6 As shown, the data processing method for asset securitization according to the embodiment of the present disclosure may include operations S610 to S630.

[0088] In operation S610, a preset securitization parameter is sent to the first business system, so that the first business system obtains at least two types of asset data of the first user from the M types of asset data based on the securitization parameter.

[0089] In operation S620, asset information of a first user sent by a first business system is received, wherein the asset information includes information obtained by the first business system associating at least two types of asset data.

[0090] According to an embodiment of the present disclosure, the third business system can be based on a batch scheduling framework implemented in Java. For example, the framework scans the arrival of result files every 5 seconds (for example only). When the arrival of a file is recognized and the execution frequency is checked to meet the conditions, the file is imported into the database table by calling sqldr, shell, Oracle stored procedures, etc.

[0091] In operation S630, a securitization process is performed based on the asset information.

[0092] According to an embodiment of the present disclosure, after the first business system acquires asset data, asset information is obtained through the first business system, which can reduce the coupling between the third business system and each second business system and alleviate the performance pressure of the third business system in performing large data volume processing and calculation locally.

[0093] Figure 7 The flowchart of the securitization process based on the asset information in operation S630 according to an embodiment of the present disclosure is schematically shown.

[0094] like Figure 7 As shown, the securitization process based on the asset information in operation S630 may include operations S710 to S720.

[0095] In operation S710, a query instruction is received.

[0096] In operation S720, asset information is displayed based on the query instruction.

[0097] According to the embodiments of the present disclosure, referring to Figure 1 The third business system 120 can provide a web page on the terminal device 110, so that the business personnel can send a query instruction on the web page and then view the statistical results. For example, the business personnel can set flexible query conditions and click the query, and the web page can display the results of securitization statistics.

[0098] In some embodiments of the present disclosure, the third business system performing securitization processing may also perform securitization packaging and pricing on the loans of each user through the asset information of the user, such as training an artificial intelligence model, taking the asset information as input, and then outputting a pricing plan.

[0099] Figure 8 A block diagram schematically shows a data processing device 800 for asset securitization of a first business system according to an embodiment of the present disclosure.

[0100] like Figure 8 As shown, the processing device 800 may include a first acquisition module 810 , a second acquisition module 820 , a data association module 830 and an information sending module 840 .

[0101] The first acquisition module 810 may, for example, execute operation S210 to acquire M types of asset data of S users in N second business systems, where S, N, and M are integers greater than or equal to 1.

[0102] The second acquisition module 820 may, for example, execute operation S220 to acquire at least two types of asset data of the first user from the M types of asset data based on preset securitization parameters.

[0103] According to an embodiment of the present disclosure, the second acquisition module 820 may also perform operations S310 to S320 to acquire the account information of the first user based on the securitization identifier and acquire at least two asset data from the M asset data based on the account information.

[0104] According to another embodiment of the present disclosure, the second acquisition module 820 may also perform operations S510 to S530, for example, to store the M types of asset data in at least one node of the distributed file system. And based on the securitization identifier, obtain the account information of multiple first users. Wherein, obtaining at least two types of asset data from the M types of asset data based on the account information includes: at least one node performs distributed computing to obtain at least two types of asset data for each first user based on the account information of the multiple first users.

[0105] The data association module 830 may, for example, perform operation S230 to associate at least two types of asset data to obtain asset information of the first user.

[0106] According to an embodiment of the present disclosure, the data association module 830 may, for example, perform operations S410 to S420 to create an asset information table, wherein the asset information table includes a plurality of associated field information, the field information including field information corresponding to each asset data in at least two asset data, and fill each asset data into the asset information table based on the field information.

[0107] The information sending module 840 may, for example, execute operation S240 to send the asset information to a third business system so that the third business system performs securitization processing based on the asset information.

[0108] Fig. 9 A block diagram schematically shows a data processing device 900 for asset securitization of a third business system according to an embodiment of the present disclosure.

[0109] like Fig. 9 As shown, the processing device 900 may include a parameter sending module 910 , an information receiving module 920 and a securitization processing module 930 .

[0110] The parameter sending module 910 may, for example, perform operation S610 to send preset securitization parameters to the first business system, so that the first business system obtains at least two asset data of the first user from the M types of asset data based on the securitization parameters.

[0111] The information receiving module 920 may, for example, perform operation S620 to receive asset information of the first user sent by the first business system, wherein the asset information includes information obtained by the first business system associating at least two types of asset data.

[0112] The securitization processing module 930 may, for example, execute operation S630 for performing securitization processing based on asset information.

[0113] According to an embodiment of the present disclosure, the securitization processing module 930 may also perform operations S710 to S720, for example, to receive a query instruction and display asset information based on the query instruction.

[0114] Fig.10 The block diagram of a data processing system 1000 for asset securitization according to an embodiment of the present disclosure is schematically shown, wherein the asset securitization device 1010 is one of the embodiments of the processing device 800 , and the data warehouse device 1020 is one of the embodiments of the processing device 900 .

[0115] like Fig.10 As shown, the data processing system 1000 may include an asset securitization device 1010 and a data warehouse device 1020. The asset securitization device 1010 may be used in the third business system, and may specifically include a front-end WEB module 1011, a data processing module 1012, and an instruction sending module 1013. The data warehouse device 1020 may be used in the first business system, and may specifically include multiple synchronization modules 1023, a big data processing module 1021, and a big data unified scheduling module 1022.

[0116] The synchronization module 1023 can be used to configure the frequency of automatic synchronization, configure the database information that needs to be synchronized, the table name and column name to be synchronized, and map the imported data to the database table.

[0117] The big data unified scheduling module 1022 can be used to configure the automatic submission time of data processing jobs, check the arrival status of the front-end business system file transfer, configure the actual execution program (hql) of the statistical logic, receive the synchronization module to obtain data from the database table mapped by the synchronization module 1023, and submit the job to the big data processing module.

[0118] The big data processing module 1011 can be used to execute the MapReduce tasks converted from the hql predictions to perform big data offline computing.

[0119] The front-end WEB module 1011 can be used to send an http request after the business personnel log in to the front-end page and select the query conditions, and then obtain the query results in json format from the data processing module 1012, and finally display them on the WEB page for the business personnel to view.

[0120] The data processing module 1012 can be used to parse the files transmitted by the big data processing module and load them into the database table of the third business system.

[0121] The instruction sending module 1013 can be used to receive control instructions sent by business personnel through the front-end WEB module, and send the control instructions to the big data unified scheduling module 1022.

[0122] According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits, or at least part of the functions of any one of them can be implemented in one module. According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits can be split into multiple modules for implementation. According to the embodiments of the present invention, any one or more of the modules, submodules, units, and subunits can be at least partially implemented as hardware circuits, such as field programmable gate arrays (FPGAs), programmable logic arrays (PLAs), systems on chips, systems on substrates, systems on packages, application specific integrated circuits (ASICs), or can be implemented by hardware or firmware in any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware, and firmware, or in any appropriate combination of any of them. Alternatively, according to the embodiments of the present invention, one or more of the modules, submodules, units, and subunits can be at least partially implemented as computer program modules, and when the computer program modules are run, the corresponding functions can be performed.

[0123] For example, any multiple modules in the processing device 800 or the processing device 900 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one module in the processing device 800 or the processing device 900 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in any appropriate combination of any of them. Alternatively, at least one module in the processing device 800 or the processing device 900 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0124] Fig.11 A block diagram of a computer system of a data processing method and apparatus suitable for asset securitization according to an embodiment of the present disclosure is schematically shown. Fig.11 The computer system shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0125] like Fig.11 As shown, the computer system 1100 according to an embodiment of the present disclosure includes a processor 1101, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1102 or a program loaded from a storage part 1108 to a random access memory (RAM) 1103. The processor 1101 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1101 may also include an onboard memory for caching purposes. The processor 1101 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0126] In RAM 1103, various programs and data required for the operation of system 1100 are stored. Processor 1101, ROM 1102 and RAM 1103 are connected to each other through bus 1104. Processor 1101 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 1102 and / or RAM 1103. It should be noted that the program can also be stored in one or more memories other than ROM 1102 and RAM 1103. Processor 1101 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0127] According to an embodiment of the present disclosure, the system 1100 may further include an input / output (I / O) interface 1105, which is also connected to the bus 1104. The system 1100 may further include one or more of the following components connected to the I / O interface 1105: an input section 1106 including a keyboard, a mouse, etc. An output section 1107 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc. A storage section 1108 including a hard disk, etc. And a communication section 1109 including a network interface card such as a LAN card, a modem, etc. The communication section 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to the I / O interface 1105 as needed. A removable medium 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1110 as needed, so that the computer program read therefrom is installed into the storage section 1108 as needed.

[0128] According to an embodiment of the present disclosure, the method flow according to an embodiment of the present disclosure can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a computer-readable storage medium, and the computer program contains a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1109, and / or installed from the removable medium 1111. When the computer program is executed by the processor 1101, the above-mentioned functions defined in the system of the embodiment of the present disclosure are executed. According to an embodiment of the present disclosure, the system, equipment, device, module, unit, etc. described above can be implemented by a computer program module.

[0129] The embodiments of the present disclosure also include a computer program product, which includes a computer program, which contains program code for executing the method provided by the embodiments of the present disclosure. When the computer program product is run on an electronic device, the program code is used to enable the electronic device to implement the data processing method for asset securitization provided by the embodiments of the present disclosure.

[0130] When the computer program is executed by the processor 1101, the above functions defined in the system / device of the embodiment of the present disclosure are executed. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0131] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 1109, and / or installed from a removable medium 1111. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0132] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0133] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0134] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Without departing from the scope of the present disclosure, those skilled in the art may make various substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A data processing method for asset securitization, applied to a first business system, comprising: Obtaining M types of asset data in N second business systems, where N and M are integers greater than or equal to 2; Based on preset securitization parameters, obtaining at least two types of asset data of the first user from the M types of asset data; Associating the at least two asset data to obtain asset information of the first user; and Sending the asset information to a third business system so that the third business system performs securitization processing based on the asset information; Wherein, the first business system includes a distributed file system, and after acquiring M types of asset data in N second business systems, further comprising: The M types of asset data are stored in at least one node of the distributed file system and mapped into a database table.

2. The processing method according to claim 1, wherein: The securitization parameter includes a securitization identifier, and the acquiring at least two asset data of the first user from the M types of asset data includes: Based on the securitization identifier, obtaining the account information of the first user; and The at least two types of asset data are obtained from the M types of asset data based on the account information.

3. The processing method according to claim 1, wherein: Based on the securitization identifier, obtaining account information of a plurality of the first users; Wherein, acquiring the at least two types of asset data from the M types of asset data based on the account information includes: The at least one node performs distributed computing to obtain the at least two asset data of each of the first users based on the account information of multiple first users.

4. The processing method according to claim 1, wherein: The associating the at least two asset data to obtain the asset information of the first user comprises: Creating an asset information table, wherein the asset information table includes a plurality of associated field information, and the field information includes field information corresponding to each of the at least two asset data; and Based on the field information, each asset data is filled into the asset information table.

5. The processing method according to claim 1, wherein: The at least two types of asset data include: At least two of account information, credit information, repayment information, interest rate information or personal information.

6. The processing method according to claim 1, wherein: Also includes: Receive the securitization parameter sent by the third business system.

7. A data processing method for asset securitization, applied to a third business system, comprising: Sending a preset securitization parameter to a first business system, so that the first business system obtains at least two asset data of the first user from the M types of asset data based on the securitization parameter, wherein the first business system is configured to execute the method of any one of claims 1 to 6; receiving asset information of the first user sent by the first business system, wherein the asset information includes information obtained by the first business system associating the at least two asset data; and Securitization processing is performed based on the asset information.

8. The processing method according to claim 7, wherein: The securitization process based on the asset information includes: receiving query instructions; and The asset information is displayed based on the query instruction.

9. A data processing device for asset securitization, applied to a first business system, comprising: A first acquisition module is used to acquire M types of asset data from N second business systems, where N and M are integers greater than or equal to 2; A second acquisition module, configured to acquire at least two asset data of the first user from the M types of asset data based on a preset securitization parameter; a data association module, configured to associate the at least two asset data to obtain the asset information of the first user; and An information sending module, used for sending the asset information to a third business system, so that the third business system performs securitization processing based on the asset information; Wherein, the first business system includes a distributed file system, and after acquiring M types of asset data in N second business systems, further comprising: The M types of asset data are stored in at least one node of the distributed file system and mapped into a database table.

10. A data processing device for asset securitization, applied to a third business system, comprising: a parameter sending module, configured to send a preset securitization parameter to a first business system, so that the first business system acquires at least two asset data of a first user from M types of asset data based on the securitization parameter, wherein the first business system is configured to execute the method according to any one of claims 1 to 6; an information receiving module, configured to receive the asset information of the first user sent by the first business system, wherein the asset information includes information obtained by the first business system associating the at least two asset data; as well as The securitization processing module is used to perform securitization processing based on the asset information.

11. An electronic device, comprising: One or more memories storing executable instructions; as well as One or more processors execute the executable instructions to implement the method according to any one of claims 1 to 8.

12. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 8.

Images