Data processing method and system

Abstract

The embodiments of this specification provide a data processing method and system, wherein the data processing method includes: an audit object, a data verification platform, and a data recording platform; the audit object determines the resource settlement attribute data of the target object under the target business, and sends the resource settlement attribute data to the data verification platform; the data verification platform sends the to-be-allocated resource quota of the target object determined according to the resource settlement attribute data to the data recording platform, and determines a recording voucher based on the verification result of the to-be-allocated resource quota and the resource reception quota of the target object, wherein the recording voucher is generated on the data recording platform based on the to-be-allocated resource quota.

Description

Technical Field

[0001] The embodiments of this specification relate to the field of computer technology, and more particularly to a data processing method. One or more embodiments of this specification also relate to a data processing system, a computing device, and a computer-readable storage medium. Background Art

[0002] At present, with the continuous improvement of users' living standards, users' financial management and deposit awareness are also growing. The banking system stores a large number of deposit accounts, and needs to pay interest to customers. The banking system automatically calculates the interest payable through a batch process every day and pays the interest payable to customers on the interest payment date. In order to attract customer deposits and cope with the huge impact of Internet financial products, banks have generally launched various special interest-bearing products, which require a lot of complex interest-bearing logic to support. There are many interest-bearing products at present, the most common of which are ordinary demand deposits, fixed-term deposits and withdrawals, and excess tiered demand deposits.

[0003] Since the banking system needs to maintain and operate complex interest calculation logic, the correctness of interest calculation is particularly important. At present, the way to verify the interest calculated by the banking system is generally to manually calculate the interest for accounts that customers object to, and verify and compare the manually calculated interest with the interest calculation results of the banking system. Among them, the manual interest calculation method is controlled by humans, and the calculation process requires tools such as calculators. This method often has defects such as low accuracy of calculation results, low calculation efficiency, and low accuracy of verification results. Therefore, an effective data processing method is urgently needed to solve such problems. Summary of the invention

[0004] In view of this, an embodiment of this specification provides a data processing method. One or more embodiments of this specification also relate to a data processing system, a computing device, and a computer-readable storage medium to solve the technical defects existing in the prior art.

[0005] According to a first aspect of an embodiment of this specification, a data processing method is provided, including:

[0006] Audit objects, data verification platforms, and data recording platforms;

[0007] The audit object determines the resource settlement attribute data of the target object under the target business, and sends the resource settlement attribute data to the data verification platform;

[0008] The data verification platform sends the amount of resources to be allocated to the target object determined according to the resource settlement attribute data to the data recording platform, and determines the recording voucher based on the verification result of the amount of resources to be allocated and the amount of resources received by the target object, wherein the recording voucher is generated on the data recording platform based on the amount of resources to be allocated.

[0009] Optionally, the data processing method further includes:

[0010] The data checking platform determines the amount of resources to be allocated of the target object in the first time interval according to the resource settlement attribute data, and sends the amount of resources to be allocated to the data recording platform;

[0011] The data recording platform generates a corresponding first recording voucher based on the quota to be allocated.

[0012] Optionally, the data processing method further includes:

[0013] The data checking platform obtains a plurality of first recording vouchers of the target object within a target time interval from the data recording platform when determining that the time difference between the current time and the historical checking time is greater than or equal to a preset time threshold;

[0014] Determining a total amount of resources to be allocated in the plurality of first record vouchers;

[0015] Acquire a resource transfer record of the target object, and determine a resource receiving quota of the target object within the target time interval according to a resource type in the resource transfer record;

[0016] The total amount of resources to be allocated is compared with the amount of resource receipt to generate a corresponding comparison result.

[0017] Optionally, the data processing method further includes:

[0018] When the verification result satisfies a preset tolerance condition, sending a modification request of the recording voucher to the data recording platform;

[0019] The data recording platform responds to the modification request and modifies the amount of resources to be allocated in the recording voucher according to the verification result.

[0020] Optionally, the data processing method further includes:

[0021] The difference between the to-be-allocated resource quota and the resource received quota is calculated, and when the difference is less than a first preset threshold, it is determined that the verification result meets a preset tolerance condition.

[0022] Optionally, the data processing method further includes:

[0023] Calculating the difference between the amount of resources to be allocated and the amount of received resources, and calculating the ratio of the difference to the amount of resources to be allocated;

[0024] When the difference is smaller than a first preset threshold value, and / or when the ratio is smaller than a second preset threshold value, it is determined that the verification result satisfies a preset tolerance condition.

[0025] Optionally, determining the amount of resources to be allocated of the target object according to the resource settlement attribute data includes:

[0026] The resource settlement attribute data is input into a resource settlement model for processing to generate the resource quota to be allocated to the target object.

[0027] Optionally, the resource settlement attribute data includes a settlement period, a resource settlement type, and a settlement ratio corresponding to the resource settlement type;

[0028] Correspondingly, determining the amount of resources to be allocated of the target object according to the resource settlement attribute data includes:

[0029] Determining a resource settlement algorithm for the target object according to the settlement period, the resource settlement type, and the settlement ratio corresponding to the resource node type;

[0030] Based on the settlement period, the resource settlement type, the settlement ratio corresponding to the resource node type and the resource settlement algorithm, resource settlement processing is performed on the target object to generate the resource quota to be allocated.

[0031] Optionally, the data processing method further includes:

[0032] In the case where it is determined that the verification result is a verification failure, sending a data verification request to the audit object based on the quota of resources to be allocated and the quota of resources received;

[0033] Receive the data verification result returned by the audit object, and if the data verification result is a verification failure, perform a secondary verification on the to-be-allocated resource quota according to the resource reception quota, and determine the record voucher based on the generated secondary verification result.

[0034] Optionally, the performing a secondary check on the to-be-allocated resource quota according to the resource reception quota includes:

[0035] Determining whether the resource receiving amount meets a preset condition;

[0036] If not, a resource allocation request is sent to the resource provider, and the resource quota to be allocated is rechecked according to the resource quota allocated by the resource provider to the target object;

[0037] If so, when it is determined that the attribute information of any data in the resource settlement attribute data does not meet the preset attribute conditions, the attribute information is modified, the amount of resources to be allocated of the target object is updated according to the modification result, and the updated amount of resources to be allocated is rechecked according to the resource reception amount.

[0038] According to a second aspect of an embodiment of this specification, there is provided a data processing system, including:

[0039] Audit objects, data verification platforms, and data recording platforms;

[0040] The audit object is configured to determine resource settlement attribute data of the target object under the target business and send the resource settlement attribute data to the data verification platform;

[0041] The data verification platform is configured to send the amount of resources to be allocated of the target object determined according to the resource settlement attribute data to the data recording platform, and determine the recording voucher based on the verification result of the amount of resources to be allocated and the amount of resources received by the target object, wherein the recording voucher is generated on the data recording platform based on the amount of resources to be allocated.

[0042] According to a third aspect of an embodiment of this specification, a computing device is provided, including:

[0043] Memory and processor;

[0044] The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions to implement the steps of the data processing method.

[0045] According to a fourth aspect of the embodiments of this specification, a computer-readable storage medium is provided, which stores computer-executable instructions, and when the instructions are executed by a processor, the steps of the data processing method are implemented.

[0046] An embodiment of the present specification implements a data processing method and system, wherein the data processing method includes an audit object, a data verification platform and a data recording platform; the audit object determines the resource settlement attribute data of the target object under the target business, and sends the resource settlement attribute data to the data verification platform; the data verification platform sends the to-be-allocated resource quota of the target object determined according to the resource settlement attribute data to the data recording platform, and determines a recording voucher based on the verification result of the to-be-allocated resource quota and the resource reception quota of the target object, wherein the recording voucher is generated on the data recording platform based on the to-be-allocated resource quota.

[0047] The embodiments of this specification determine the resource settlement attribute data of the target object under the target business by auditing the object, and send the resource settlement attribute data to the data verification platform. After receiving the resource settlement attribute data, the data verification platform can automatically calculate the target object's to-be-allocated resource quota based on the resource settlement attribute data, and automatically verify the to-be-allocated resource quota with the target object's resource receipt quota to generate a corresponding verification result; verifying the resource quota in this way is conducive to improving the accuracy of the verification results and improving the verification efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] Figure 1 It is an interactive diagram of a data processing process provided by an embodiment of this specification;

[0049] Figure 2 is a processing flow chart of a data processing method provided by an embodiment of this specification;

[0050] Figure 3 is a flow chart of a data processing process provided by an embodiment of this specification;

[0051] Figure 4 is a schematic diagram of a data processing system provided by one embodiment of this specification;

[0052] Figure 5 It is a structural block diagram of a computing device provided by an embodiment of this specification. DETAILED DESCRIPTION

[0053] Many specific details are described in the following description to facilitate a full understanding of this specification. However, this specification can be implemented in many other ways than those described herein, and those skilled in the art can make similar generalizations without violating the connotation of this specification, so this specification is not limited to the specific implementation disclosed below.

[0054] The terms used in one or more embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of this specification. The singular forms of "a", "said" and "the" used in one or more embodiments of this specification and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and / or" used in one or more embodiments of this specification refers to and includes any or all possible combinations of one or more associated listed items.

[0055] It should be understood that although the terms first, second, etc. may be used to describe various information in one or more embodiments of this specification, this information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of one or more embodiments of this specification, the first may also be referred to as the second, and similarly, the second may also be referred to as the first. Depending on the context, the word "if" as used herein may be interpreted as "at the time of" or "when" or "in response to determining".

[0056] In this specification, a data processing method is provided. This specification also relates to a data processing system, a computing device, and a computer-readable storage medium, which are described in detail one by one in the following embodiments.

[0057] Figure 1 It is an interactive diagram of a data processing process provided by an embodiment of this specification, including steps 102 to 134.

[0058] Step 102, the audit object determines the resource settlement attribute data of the target object under the target business.

[0059] Step 104, review the object and send the resource settlement attribute data to the data verification platform.

[0060] Step 106: The data verification platform determines the amount of resources to be allocated to the target object in the first time interval according to the resource settlement attribute data.

[0061] Step 108: The data checking platform sends the resource quota to be allocated to the data recording platform.

[0062] Step 110: The data recording platform generates a corresponding first recording voucher based on the amount to be allocated.

[0063] Step 112, when the data verification platform determines that the time difference between the current time and the historical verification time is greater than or equal to a preset time threshold, the data verification platform obtains multiple first record vouchers of the target object within the target time interval from the data recording platform.

[0064] Step 114: the data checking platform determines the total amount of resources to be allocated in the plurality of first record vouchers.

[0065] Step 116: The data verification platform obtains the resource transfer record of the target object, and determines the resource receiving quota of the target object within the target time interval according to the resource type in the resource transfer record.

[0066] Step 118: Compare the total amount of resources to be allocated with the amount of received resources to generate a corresponding first comparison result.

[0067] Step 120, when the verification is successful, the data verification platform determines whether there is a tolerance in the verification result. If there is a tolerance, the data verification platform sends a modification request for the first recording voucher to the data recording platform.

[0068] Step 122: The data recording platform responds to the modification request and modifies the amount of resources to be allocated in the first recording voucher according to the verification result.

[0069] Step 124: If there is no tolerance, the data checking platform sends the total amount of resources to be allocated to the data recording platform.

[0070] Step 126: The data recording platform generates a corresponding second recording voucher based on the total amount of resources to be allocated.

[0071] Step 128: In case of verification failure, the data verification platform sends a data verification request to the audit object based on the total amount of resources to be settled and the amount of resource receipt.

[0072] Step 130: the audit object verifies the total amount of resources to be allocated and the amount of resource receipt, and generates a corresponding second verification result.

[0073] Step 132, when the audit object determines that the verification has failed and determines that the attribute information of any data in the resource settlement attribute data does not meet the preset attribute conditions, the audit object modifies the attribute information that does not meet the preset attribute conditions, re-enters the modification results into the system, and sends the modification results to the data verification platform through the system.

[0074] Step 134: the data verification platform updates the resource quota to be allocated of the target object according to the modification result, and performs a second verification on the updated resource quota to be allocated according to the resource reception quota.

[0075] The embodiments of this specification determine the resource settlement attribute data of the target object under the target business by auditing the object, and send the resource settlement attribute data to the data verification platform. After receiving the resource settlement attribute data, the data verification platform can automatically calculate the target object's to-be-allocated resource quota based on the resource settlement attribute data, and automatically verify the to-be-allocated resource quota with the target object's resource receipt quota to generate a corresponding verification result; verifying the resource quota in this way is conducive to improving the accuracy of the verification results and improving the verification efficiency.

[0076] Figure 2 A processing flow chart of a data processing method provided according to an embodiment of the present specification is shown, wherein the data processing method includes an audit object, a data verification platform and a data recording platform, and specifically includes the following steps.

[0077] Step 202: the audit object determines the resource settlement attribute data of the target object under the target business, and sends the resource settlement attribute data to the data verification platform.

[0078] Among them, the audit object is the user, specifically, it can be the service personnel in the data verification platform who can provide relevant services to other enterprises, institutions or users; the target object, that is, the object that needs to be verified, includes but is not limited to enterprises, institutions or users; the data verification platform is the platform for performing data verification for the target object.

[0079] In the embodiments of this specification, in order to ensure the stickiness between the target object and the resource provider and to increase the number of target objects that have a resource storage relationship with the resource provider, after the target object stores the resources in the resource provider, the resource provider needs to allocate a certain amount of resources to the target object as increased revenue resources based on the stored resource amount. However, since the current calculation logic for increased revenue resources is mostly relatively complex, the accuracy of the calculation results of the increased revenue resources is particularly important.

[0080] Based on this, in the embodiment of this specification, the audit object and the resource provider first agree on the resource settlement attribute data of the target object, wherein the resource settlement attribute data includes but is not limited to the resource settlement period, resource settlement type, and the settlement ratio corresponding to the resource settlement type; the resource provider can pre-classify the resource quota and set different resource settlement attribute data for resource quotas of different levels; after determining the resource quota deposited by the user into the resource provider, the corresponding resource settlement attribute data can be determined according to its corresponding level.

[0081] After the audit object determines the resource settlement attribute data of the target object under the target business, it is sent to the data verification platform, so that the data verification platform calculates the target object's to-be-allocated resource quota based on the resource settlement attribute data, and the resource provider calculates the target object's resource receiving quota (increased resources) based on the resource settlement attribute data. The data verification platform can then verify the to-be-allocated resource quota and the resource receiving quota.

[0082] In step 204, the data verification platform sends the amount of resources to be allocated of the target object determined according to the resource settlement attribute data to the data recording platform, and determines the recording voucher based on the verification result of the amount of resources to be allocated and the amount of resources received by the target object, wherein the recording voucher is generated on the data recording platform based on the amount of resources to be allocated.

[0083] Specifically, the embodiments of this specification utilize a data verification platform and a data recording platform to perform resource quota verification processing, wherein the data verification platform is used to calculate and verify the resource quota to be allocated, and the data recording platform is used to generate record vouchers for different transfer records.

[0084] As mentioned above, after receiving the resource settlement attribute data of the target object, the data verification platform calculates the target object's to-be-allocated resource quota based on the resource settlement attribute data, and the resource provider calculates the target object's resource reception quota (increased revenue resources) based on the resource settlement attribute data. The data verification platform can then verify the to-be-allocated resource quota and the resource reception quota, that is, determine whether the to-be-allocated resource quota and the resource reception quota are consistent.

[0085] In addition, after calculating and obtaining the amount of resources to be allocated of the target object, the data verification platform can send the amount of resources to be allocated to the data recording platform, and the data recording platform will generate a record voucher corresponding to the amount of resources to be allocated; similarly, after the data verification platform performs data verification and generates a corresponding verification result, if the verification is determined to be successful based on the verification result, the amount of resources to be allocated can be sent to the data recording platform, and the data recording platform will generate a record voucher corresponding to the verification result.

[0086] In specific implementation, the process of calculating the amount of resources to be allocated by the data verification platform can be implemented in the following ways:

[0087] The data checking platform determines the amount of resources to be allocated of the target object in the first time interval according to the resource settlement attribute data, and sends the amount of resources to be allocated to the data recording platform;

[0088] The data recording platform generates a corresponding first recording voucher based on the quota to be allocated.

[0089] Further, when the data verification platform determines that the time difference between the current time and the historical verification time is greater than or equal to a preset time threshold, a plurality of first recording vouchers of the target object within a target time interval are obtained from the data recording platform;

[0090] Determining a total amount of resources to be allocated in the plurality of first record vouchers;

[0091] Acquire a resource transfer record of the target object, and determine a resource receiving quota of the target object within the target time interval according to a resource type in the resource transfer record;

[0092] The total amount of resources to be allocated is compared with the amount of resource receipt to generate a corresponding comparison result.

[0093] Specifically, when the calculation period of the amount of resources to be allocated is different from the resource settlement period of the resource provider, and the calculation period is smaller than the resource settlement period, the data verification platform calculates the amount of resources to be allocated for the target object and generates the corresponding calculation result. The calculation result can be sent to the data recording platform, and the data recording platform generates a record voucher corresponding to the calculation result, so that when the resource settlement period is reached later, the data verification platform can perform data verification according to the amount of resources to be allocated recorded in the record voucher in the data recording platform.

[0094] Furthermore, when the resource provider determines that the resource settlement period has been reached, the target object's increased revenue resources within the resource settlement period can be sent to the target object; when the data verification platform determines that the resource settlement period has been reached, the target object's increased revenue resources (resource receiving quota) obtained within the resource settlement period can be determined by querying the target object's resource transfer record. Among them, since the target object's resource transfer record records the transfer records of all resource types of the target object, the resource type corresponding to the resource receiving quota can be determined first, and then the resource receiving quota of the target object within the resource settlement period can be searched in the resource transfer record according to the resource type.

[0095] In addition, when the data verification platform determines that the resource settlement cycle has been reached, it can obtain multiple record vouchers corresponding to the amount of resources to be allocated within the resource settlement cycle from the data recording platform, so as to verify the total amount of resources to be allocated corresponding to the multiple amount of resources to be allocated in the multiple record vouchers with the increased revenue resources of the target object within the resource settlement cycle, and generate corresponding verification results.

[0096] The embodiment of this specification generates a record voucher corresponding to the amount of resources to be allocated through a data recording platform to ensure the reliability and validity of the calculation result of the amount of resources to be allocated.

[0097] In a specific implementation, when the verification result meets the preset tolerance condition, a modification request for recording the voucher is sent to the data recording platform;

[0098] The data recording platform responds to the modification request and modifies the amount of resources to be allocated in the recording voucher according to the verification result.

[0099] Wherein, when there is only one tolerance condition, the difference between the to-be-allocated resource amount and the resource received amount is calculated, and when the difference is less than a first preset threshold, it is determined that the verification result meets the preset tolerance condition.

[0100] Alternatively, in the case of two tolerance conditions, the difference between the amount of resources to be allocated and the amount of received resources may be calculated, and the ratio of the difference to the amount of resources to be allocated may be calculated;

[0101] When the difference is smaller than a first preset threshold value, and / or when the ratio is smaller than a second preset threshold value, it is determined that the verification result satisfies a preset tolerance condition.

[0102] Specifically, tolerance can be understood as the range of fluctuation allowed for a certain attribute value.

[0103] In the embodiment of this specification, when it is determined that the verification result meets the preset tolerance condition, that is, when it is determined that the fluctuation range of the verification result meets the preset condition, in this case, since the fluctuation range of the verification result is small, the amount of resources to be allocated in the record voucher can be adjusted so that the record voucher can achieve the expected or specified result.

[0104] In practical applications, when there is only one tolerance condition, the tolerance condition may be: the difference between the two is less than or equal to a first preset threshold, that is, the difference between the two is within a preset first fluctuation range; if satisfied, it is determined that the tolerance condition is satisfied;

[0105] When there are two tolerance conditions, the two tolerance conditions may be: the difference between the two is less than or equal to a first preset threshold, that is, the difference between the two is within a preset first fluctuation range; and / or the ratio between the difference between the two and the amount of resources to be allocated is less than or equal to a second preset threshold, that is, the ratio is within a preset second fluctuation range; when any one or both of these conditions are met, it is determined that the tolerance conditions are met.

[0106] Furthermore, when the verification result satisfies the preset tolerance condition, a request to modify the record voucher may be sent to the data recording platform, and the data recording platform may modify the amount of resources to be allocated in the record voucher according to the verification result, so that the amount of resources to be allocated in the modified record voucher satisfies the expected or specified result.

[0107] In specific implementation, the resource settlement model can also be used to calculate the amount of resources to be allocated for the target object. Specifically, the resource settlement attribute data can be input into the resource settlement model for processing to generate the amount of resources to be allocated for the target object. By calculating the amount of resources to be allocated through the resource settlement model, the calculation process is automated, which is conducive to improving the accuracy of the calculation results and the calculation efficiency.

[0108] In addition, the resource settlement attribute data includes a settlement period, a resource settlement type, and a settlement ratio corresponding to the resource settlement type. According to the resource settlement attribute data, the amount of resources to be allocated to the target object is determined, which can also be achieved in the following manner:

[0109] Determining a resource settlement algorithm for the target object according to the settlement period, the resource settlement type, and the settlement ratio corresponding to the resource node type;

[0110] Based on the settlement period, the resource settlement type, the settlement ratio corresponding to the resource node type and the resource settlement algorithm, resource settlement processing is performed on the target object to generate the resource quota to be allocated.

[0111] Specifically, since the resource provider can pre-classify the resource quota and set different resource settlement attribute data for resource quotas of different levels; and different resource settlement attribute data correspond to different resource settlement algorithms, the data verification platform can determine the resource settlement algorithm corresponding to the target object based on the settlement cycle, resource settlement type and settlement ratio corresponding to the resource node type after determining the settlement period of the target object, the resource settlement type and the settlement ratio corresponding to the resource node type, and then perform resource settlement processing on the target object based on the settlement period, resource settlement type, settlement ratio corresponding to the resource node type and the resource settlement algorithm, and generate the corresponding resource quota to be allocated.

[0112] Taking the resource provider as a bank as an example, an enterprise negotiates with a bank to open a bank account in the bank, and negotiates the interest rate in a tiered manner. The resource settlement attribute data determined according to the negotiation results can be: 0-500 million quota, interest rate is 2.5%, 500-3 billion quota, interest rate is 3%, and interest rate is 3.2% for quotas above 3 billion. The daily interest is calculated based on the actual number of days / 360, and interest is settled quarterly. In this case, after determining the resource settlement attribute data of the enterprise, the data verification platform can determine the corresponding resource settlement algorithm based on the resource settlement attribute data. The specific algorithm can be: resource quota*interest rate*deposit period.

[0113] After determining the resource settlement algorithm, i.e., the resource settlement attribute data, the amount of resources to be allocated (interest amount) of the enterprise can be calculated based on the resource settlement attribute data and the resource settlement algorithm. Selecting a resource settlement algorithm suitable for the target object and using the algorithm to calculate the amount of resources to be allocated for the target object is conducive to improving the accuracy of the calculation result.

[0114] In specific implementation, the data verification platform generates verification results, and if verification fails according to the verification results, the auditor can be requested to conduct manual verification, which can be achieved in the following ways:

[0115] In the case where it is determined that the verification result is a verification failure, sending a data verification request to the audit object based on the quota of resources to be allocated and the quota of resources received;

[0116] Receive the data verification result returned by the audit object, and if the data verification result is a verification failure, perform a secondary verification on the to-be-allocated resource quota according to the resource reception quota, and determine the record voucher based on the generated secondary verification result.

[0117] Furthermore, the resource quota to be allocated is secondarily checked according to the resource reception quota, which can be specifically implemented in the following manner:

[0118] Determining whether the resource receiving amount meets a preset condition;

[0119] If not, a resource allocation request is sent to the resource provider, and the resource quota to be allocated is rechecked according to the resource quota allocated by the resource provider to the target object;

[0120] If so, when it is determined that the attribute information of any data in the resource settlement attribute data does not meet the preset attribute conditions, the attribute information is modified, the amount of resources to be allocated of the target object is updated according to the modification result, and the updated amount of resources to be allocated is rechecked according to the resource reception amount.

[0121] Specifically, when the verification result does not meet the tolerance condition, the verification fails. When the verification fails, the data verification platform can send a data verification request to the audit object based on the total amount of resources to be allocated and the amount of resources received. The audit object verifies the total amount of resources to be allocated and the amount of resources received, and generates a corresponding second verification result.

[0122] When the audit object determines that the verification fails, it determines whether the resource receiving quota meets the preset conditions; since the resource receiving quota is calculated by the resource provider, and after the resource settlement cycle is reached, the resource provider allocates the resources corresponding to the calculated resource receiving quota to the target object, therefore, when it is determined that the resource receiving quota does not meet the preset conditions, it indicates that the resource quota allocated to the target object by the resource provider is insufficient. In this case, the audit object can send a resource allocation request to the resource provider, requesting the resource provider to allocate resources to the target object again, and update the resource transfer record of the target object. After the resource transfer record of the target object is updated, the data verification platform can re-verify the total amount of resources to be allocated based on the updated resource transfer record.

[0123] When the audit object determines that the verification fails and the record result of the attribute information of any data in the resource settlement attribute data (for example, resource settlement type, settlement ratio, resource quota, etc.) is inaccurate, that is, it does not meet the preset attribute conditions, the attribute information that does not meet the preset attribute conditions can be modified, and the modified results are re-entered into the system, and the modified results are sent to the data verification platform through the system. The data verification platform updates the resource quota to be allocated of the target object according to the modification results, and performs a secondary verification on the updated resource quota to be allocated according to the resource reception quota.

[0124] In addition, when the audit object determines that the verification is successful and that the generated second verification result has a tolerance, the audit object may send a modification request for the first record voucher to the data recording platform. The data recording platform responds to the modification request and modifies the amount of resources to be allocated in the first record voucher according to the verification result; if there is no tolerance, the total amount of resources to be allocated is sent to the data recording platform, and the data recording platform generates a record voucher for the total amount of resources to be allocated.

[0125] A data processing method provided by an embodiment of the present specification includes an audit object, a data verification platform and a data recording platform; the audit object determines the resource settlement attribute data of the target object under the target business, and sends the resource settlement attribute data to the data verification platform; the data verification platform sends the to-be-allocated resource quota of the target object determined according to the resource settlement attribute data to the data recording platform, and determines a recording voucher based on the verification result of the to-be-allocated resource quota and the resource receiving quota of the target object, wherein the recording voucher is generated on the data recording platform based on the to-be-allocated resource quota.

[0126] The embodiments of this specification determine the resource settlement attribute data of the target object under the target business by auditing the object, and send the resource settlement attribute data to the data verification platform. After receiving the resource settlement attribute data, the data verification platform can automatically calculate the target object's to-be-allocated resource quota based on the resource settlement attribute data, and automatically verify the to-be-allocated resource quota with the target object's resource receipt quota to generate a corresponding verification result; verifying the resource quota in this way is conducive to improving the accuracy of the verification results and improving the verification efficiency.

[0127] The following combination Figure 3 , taking the application of the data processing method provided in this specification in fund verification as an example, the data processing method is further explained. Figure 3 A flowchart of a data processing process provided by an embodiment of the present specification is shown, and the specific steps include step 302 to step 346.

[0128] Step 302 , user U1 agrees with the fund provider on the fund settlement ratio, fund settlement cycle and fund settlement type.

[0129] Step 304: User U1 synchronizes information with user U2.

[0130] Specifically, user U1 will synchronize the funds settlement ratio, funds settlement cycle and funds settlement type agreed with the bank to user U2.

[0131] In step 306, user U2 enters the fund settlement ratio, fund settlement cycle and fund settlement type into the system, and the system sends the fund settlement ratio, fund settlement cycle and fund settlement type to user U3.

[0132] Step 308, user U3 reviews the fund settlement ratio, fund settlement cycle and fund settlement type in the system, and if the review is passed, sends the fund settlement ratio, fund settlement cycle and fund settlement type to the fund verification platform.

[0133] Step 310: The funds verification platform calculates the amount of funds to be settled of the target enterprise within the first preset time period according to the funds settlement ratio, funds settlement cycle and funds settlement type.

[0134] Step 312: The funds verification platform sends the amount of funds to be settled within the first preset time period to the data recording platform.

[0135] Step 314: The data recording platform generates a corresponding first recording voucher based on the amount of funds to be settled within the first preset time period.

[0136] Step 316: When determining that the time difference between the current time and the historical verification time is greater than or equal to the preset time threshold, the funds verification platform queries the target enterprise's fund transfer records within a second preset time period.

[0137] Step 318, the funds verification platform identifies the fund transfer types of different funds in the fund transfer record, and determines the fund receiving amount of the target enterprise within the second preset time period according to the identification result.

[0138] Step 320, the funds verification platform determines the total amount of funds to be settled in the plurality of first record vouchers within the second preset time period, and verifies the total amount of funds to be settled with the funds received amount to generate a corresponding first verification result.

[0139] Step 322, when the verification is successful, the fund verification platform determines whether there is a tolerance in the verification result.

[0140] Step 324: If there is a tolerance, the fund verification platform sends a modification request for the first record voucher to the data recording platform.

[0141] Step 326: The data recording platform responds to the modification request and modifies the amount of funds to be settled in the first recording voucher according to the verification result.

[0142] Step 328: If there is no tolerance, the funds verification platform sends the total amount of funds to be settled to the data recording platform.

[0143] Step 330: The data recording platform generates a corresponding second recording voucher based on the total amount of funds to be settled.

[0144] Step 332: In case of verification failure, the fund verification platform sends a data verification request to the user U4 based on the total amount of funds to be settled and the amount of funds received.

[0145] In step 334, user U4 checks the total amount of funds to be settled and the amount of funds received, and generates a corresponding second checking result.

[0146] Step 336: When user U4 determines that the verification fails, the user determines whether the amount of funds received meets the preset conditions.

[0147] If not, execute step 338; if so, execute step 342.

[0148] In addition, when user U4 determines that the verification is successful, he determines whether there is a tolerance in the second verification result; if there is a tolerance, a modification request for the first record voucher is sent to the data recording platform, and the data recording platform responds to the modification request and modifies the amount of funds to be settled in the first record voucher according to the verification result; if there is no tolerance, the total amount of funds to be settled is sent to the data recording platform.

[0149] In step 338, user U4 sends a fund allocation request to the fund provider.

[0150] Step 340: The fund provider allocates funds to the target enterprise and updates the fund transfer record of the target enterprise.

[0151] After the target enterprise's fund transfer record is updated, the fund verification platform may re-verify the total amount of funds to be settled based on the updated fund transfer record.

[0152] Step 342: When it is determined that the attribute information of any data in the fund settlement attribute data does not satisfy the preset attribute condition, the user U4 sends a request to modify the attribute information to the user U2.

[0153] In step 344, user U2 modifies the attribute information that does not meet the preset attribute conditions, re-enters the modified result into the system, and sends the modified result to the fund verification platform through the system.

[0154] Step 346, the funds verification platform updates the target enterprise's pending settlement funds amount according to the modification result, and performs a second verification on the updated pending settlement funds amount according to the funds receiving amount.

[0155] In the embodiment of this specification, the user determines the funds settlement attribute data of the target enterprise under the target business, and sends the funds settlement attribute data to the funds verification platform. After receiving the funds settlement attribute data, the funds verification platform can automatically calculate the amount of funds to be settled of the target enterprise based on the funds settlement attribute data, and automatically verify the amount of funds to be settled with the funds received by the target enterprise to generate a corresponding verification result; verifying the funds amount in this way is conducive to improving the accuracy of the verification results and improving the verification efficiency.

[0156] Corresponding to the above method embodiment, this specification also provides a data processing system embodiment. Figure 4 FIG. 1 is a schematic diagram of a data processing system provided by an embodiment of the present specification. Figure 4 As shown, the system includes:

[0157] Audit object 402, data checking platform 404 and data recording platform 406;

[0158] The audit object 402 is configured to determine resource settlement attribute data of the target object under the target business, and send the resource settlement attribute data to the data verification 404;

[0159] The data verification platform 404 is configured to send the amount of resources to be allocated of the target object determined according to the resource settlement attribute data to the data recording platform, and determine the recording voucher based on the verification result of the amount of resources to be allocated and the amount of resources received by the target object, wherein the recording voucher is generated on the data recording platform 406 based on the amount of resources to be allocated.

[0160] Optionally, the data checking platform 404 is further configured to determine the amount of resources to be allocated of the target object in the first time interval according to the resource settlement attribute data, and send the amount of resources to be allocated to the data recording platform 406;

[0161] The data recording platform 406 is configured to generate a corresponding first recording voucher based on the quota to be allocated.

[0162] Optionally, the data checking platform 404 is further configured to:

[0163] When it is determined that the time difference between the current time and the historical verification time is greater than or equal to a preset time threshold, obtaining a plurality of first recording vouchers of the target object within a target time interval from the data recording platform;

[0164] Determining a total amount of resources to be allocated in the plurality of first record vouchers;

[0165] Acquire a resource transfer record of the target object, and determine a resource receiving quota of the target object within the target time interval according to a resource type in the resource transfer record;

[0166] The total amount of resources to be allocated is compared with the amount of resource receipt to generate a corresponding comparison result.

[0167] Optionally, the data checking platform 404 is further configured to:

[0168] When the verification result is successful and it is determined that the verification result meets the preset tolerance condition, a request for modifying the recording voucher is sent to the data recording platform 406;

[0169] The data recording platform 406 is configured to modify the amount of resources to be allocated in the recording voucher in response to the modification request according to the verification result.

[0170] Optionally, the data verification platform 404 is further configured to calculate the difference between the to-be-allocated resource quota and the resource received quota, and when the difference is less than a first preset threshold, determine that the verification result satisfies a preset tolerance condition.

[0171] Optionally, the data checking platform 404 is further configured to:

[0172] Calculating the difference between the amount of resources to be allocated and the amount of received resources, and calculating the ratio of the difference to the amount of resources to be allocated;

[0173] When the difference is smaller than a first preset threshold value, and / or when the ratio is smaller than a second preset threshold value, it is determined that the verification result satisfies a preset tolerance condition.

[0174] Optionally, the data checking platform 404 is further configured to:

[0175] The resource settlement attribute data is input into a resource settlement model for processing to generate the resource quota to be allocated to the target object.

[0176] Optionally, the resource settlement attribute data includes a settlement period, a resource settlement type, and a settlement ratio corresponding to the resource settlement type;

[0177] Accordingly, the data checking platform 404 is further configured to:

[0178] Determining a resource settlement algorithm for the target object according to the settlement period, the resource settlement type, and the settlement ratio corresponding to the resource node type;

[0179] Based on the settlement period, the resource settlement type, the settlement ratio corresponding to the resource node type and the resource settlement algorithm, resource settlement processing is performed on the target object to generate the resource quota to be allocated.

[0180] Optionally, the data checking platform 404 is further configured to:

[0181] In the case where it is determined that the verification result is a verification failure, sending a data verification request to the audit object based on the quota of resources to be allocated and the quota of resources received;

[0182] Receive the data verification result returned by the audit object, and if the data verification result is a verification failure, perform a secondary verification on the to-be-allocated resource quota according to the resource reception quota, and determine the record voucher based on the generated secondary verification result.

[0183] Optionally, the data checking platform 404 is further configured to:

[0184] Determining whether the resource receiving amount meets a preset condition;

[0185] If not, a resource allocation request is sent to the resource provider, and the resource quota to be allocated is rechecked according to the resource quota allocated by the resource provider to the target object;

[0186] If so, when it is determined that the attribute information of any data in the resource settlement attribute data does not meet the preset attribute conditions, the attribute information is modified, the amount of resources to be allocated of the target object is updated according to the modification result, and the updated amount of resources to be allocated is rechecked according to the resource reception amount.

[0187] The above is a schematic scheme of a data processing system of this embodiment. It should be noted that the technical scheme of the data processing system and the technical scheme of the above data processing method belong to the same concept, and the details not described in detail in the technical scheme of the data processing system can be referred to the description of the technical scheme of the above data processing method.

[0188] Figure 5 The structure block diagram of a computing device 500 provided according to an embodiment of the present specification is shown. The components of the computing device 500 include but are not limited to a memory 510 and a processor 520. The processor 520 is connected to the memory 510 via a bus 530, and the database 550 is used to store data.

[0189] The computing device 500 also includes an access device 540 that enables the computing device 500 to communicate via one or more networks 560. Examples of these networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet. The access device 540 may include one or more of any type of network interface (e.g., a network interface card (NIC)) whether wired or wireless, such as an IEEE 802.11 wireless local area network (WLAN) wireless interface, a World Wide Interoperability for Microwave Access (Wi-MAX) interface, an Ethernet interface, a universal serial bus (USB) interface, a cellular network interface, a Bluetooth interface, a near field communication (NFC) interface, and the like.

[0190] In one embodiment of the present specification, the above components of the computing device 500 and Figure 5 Other components not shown in the figure may also be connected to each other, for example, via a bus. It should be understood that Figure 5 The computing device structure block diagram shown is only for the purpose of illustration, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.

[0191] The computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., a tablet computer, a personal digital assistant, a laptop computer, a notebook computer, a netbook, etc.), a mobile phone (e.g., a smart phone), a wearable computing device (e.g., a smart watch, smart glasses, etc.), or other types of mobile devices, or a stationary computing device such as a desktop computer or PC. The computing device 500 may also be a mobile or stationary server.

[0192] The memory 510 is used to store computer executable instructions, and the processor 520 is used to execute the computer executable instructions to implement the steps of the data processing method.

[0193] The above is a schematic scheme of a computing device of this embodiment. It should be noted that the technical scheme of the computing device and the technical scheme of the above data processing method belong to the same concept, and the details not described in detail in the technical scheme of the computing device can be referred to the description of the technical scheme of the above data processing method.

[0194] An embodiment of the present specification also provides a computer-readable storage medium storing computer instructions, which are used to implement the steps of the data processing method when executed by a processor.

[0195] The above is a schematic scheme of a computer-readable storage medium of this embodiment. It should be noted that the technical scheme of the storage medium and the technical scheme of the above data processing method belong to the same concept, and the details not described in detail in the technical scheme of the storage medium can be referred to the description of the technical scheme of the above data processing method.

[0196] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0197] The computer instructions include computer program codes, which may be in source code form, object code form, executable files or some intermediate forms, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electric carrier signal, telecommunication signal and software distribution medium, etc. It should be noted that the content contained in the computer-readable medium may be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media do not include electric carrier signals and telecommunication signals.

[0198] It should be noted that, for the above-mentioned method embodiments, for the sake of simplicity of description, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the embodiments of this specification are not limited by the order of the actions described, because according to the embodiments of this specification, some steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the embodiments of this specification.

[0199] In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0200] The preferred embodiments of this specification disclosed above are only used to help explain this specification. The optional embodiments do not describe all the details in detail, nor do they limit the invention to the specific implementation methods described. Obviously, many modifications and changes can be made according to the content of the embodiments of this specification. This specification selects and specifically describes these embodiments in order to better explain the principles and practical applications of the embodiments of this specification, so that technicians in the relevant technical field can understand and use this specification well. This specification is limited only by the claims and their full scope and equivalents.

Claims

1. A data processing method, comprising: Audit objects, data verification platforms, and data recording platforms; The audit object determines the resource settlement attribute data of the target object under the target business, and sends the resource settlement attribute data to the data verification platform; The data verification platform sends the amount of resources to be allocated for the target object determined according to the resource settlement attribute data to the data recording platform, and determines the record voucher based on the verification result of the amount of resources to be allocated and the amount of resources received by the target object, wherein the amount of resources received is the increased revenue resource of the target object obtained by the resource provider according to the resource settlement attribute data, and the data verification platform is used to calculate and verify the amount of resources to be allocated, and the record voucher is generated on the data recording platform based on the amount of resources to be allocated, and the data recording platform includes a record voucher for generating a resource transfer record, and the resource reception amount is determined by querying the resource transfer record.

2. The data processing method according to claim 1, further comprising: The data checking platform determines the amount of resources to be allocated of the target object in the first time interval according to the resource settlement attribute data, and sends the amount of resources to be allocated to the data recording platform; The data recording platform generates a corresponding first recording voucher based on the amount of resources to be allocated.

3. The data processing method according to claim 2, further comprising: The data checking platform obtains a plurality of first recording vouchers of the target object within a target time interval from the data recording platform when determining that the time difference between the current time and the historical checking time is greater than or equal to a preset time threshold; Determining a total amount of resources to be allocated in the plurality of first record vouchers; Obtaining a resource transfer record of the target object, determining a resource type corresponding to the resource receiving quota, and determining the resource receiving quota of the target object within the target time interval according to the resource type in the resource transfer record, wherein the resource transfer record of the target object records transfer records of all resource types of the target object; The total amount of resources to be allocated is compared with the amount of resource receipt to generate a corresponding comparison result.

4. The data processing method according to claim 1, further comprising: Calculating the difference between the to-be-allocated resource quota and the received resource quota, and if the difference is less than a first preset threshold, determining that the verification result satisfies a preset tolerance condition; When it is determined that the verification result meets the preset tolerance condition, sending a modification request of the recording voucher to the data recording platform; The data recording platform responds to the modification request and modifies the amount of resources to be allocated in the recording voucher according to the verification result.

5. The data processing method according to claim 4, further comprising: Calculating the difference between the amount of resources to be allocated and the amount of received resources, and calculating the ratio of the difference to the amount of resources to be allocated; When the difference is smaller than a first preset threshold value, and / or when the ratio is smaller than a second preset threshold value, it is determined that the verification result satisfies a preset tolerance condition.

6. The data processing method according to claim 2, wherein determining the amount of resources to be allocated to the target object according to the resource settlement attribute data comprises: The resource settlement attribute data is input into a resource settlement model for processing to generate the resource quota to be allocated to the target object.

7. The data processing method according to claim 2, wherein the resource settlement attribute data includes a settlement period, a resource settlement type, and a settlement ratio corresponding to the resource settlement type; Correspondingly, determining the amount of resources to be allocated of the target object according to the resource settlement attribute data includes: Determining a resource settlement algorithm for the target object according to the settlement period, the resource settlement type, and the settlement ratio corresponding to the resource settlement type; Based on the settlement period, the resource settlement type, the settlement ratio corresponding to the resource settlement type, and the resource settlement algorithm, resource settlement processing is performed on the target object to generate the resource quota to be allocated.

8. The data processing method according to claim 1, further comprising: In the case where it is determined that the verification result is a verification failure, sending a data verification request to the audit object based on the quota of resources to be allocated and the quota of resources received; Receive the data verification result returned by the audit object, and if the data verification result is a verification failure, determine whether the resource reception amount meets the preset conditions; If not, a resource allocation request is sent to the resource provider, and the resource quota to be allocated is rechecked according to the resource quota allocated by the resource provider to the target object; If so, if it is determined that the attribute information of any data in the resource settlement attribute data does not meet the preset attribute condition, the attribute information is modified, the amount of resources to be allocated of the target object is updated according to the modification result, and the updated amount of resources to be allocated is rechecked according to the resource reception amount; And determine the record voucher based on the generated secondary verification results.

9. A data processing system comprising: Audit objects, data verification platforms, and data recording platforms; The audit object is configured to determine resource settlement attribute data of the target object under the target business and send the resource settlement attribute data to the data verification platform; The data verification platform is configured to send the amount of resources to be allocated of the target object determined according to the resource settlement attribute data to the data recording platform, and determine the record voucher based on the verification result of the amount of resources to be allocated and the amount of resources received by the target object, wherein the amount of resources received is the increased revenue resource of the target object calculated by the resource provider according to the resource settlement attribute data, and the data verification platform is used to calculate and verify the amount of resources to be allocated, and the record voucher is generated on the data recording platform based on the amount of resources to be allocated, and the data recording platform includes a record voucher for generating a resource transfer record, and the resource reception amount is determined by querying the resource transfer record.

10. A computing device comprising: Memory and processor; The memory is used to store computer-executable instructions, and the processor is used to implement the steps of the data processing method according to any one of claims 1 to 8 when executing the computer-executable instructions.

11. A computer-readable storage medium storing computer instructions, which implement the data processing method according to any one of claims 1 to 8 when executed by a processor.

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