Data processing method, device, electronic device and medium

Abstract

The present disclosure provides a data processing method, device, electronic device and medium. The method and device provided by the present disclosure can be used in the financial field or the Internet, information security technology field. The method and device provided by the present disclosure can be used for transaction data processing and display in the financial field, such as for processing and displaying personalized data information. The method includes: constructing a first data table and a second data table based on user initial data, wherein the first data table is constructed based on initial business information data; and the second data table is constructed based on initial personalized prompt information data. Obtain user transaction data. Perform transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information. Perform personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information. Synchronously display transaction authorization information and personalized prompt information based on the processing results of the first data table and the second data table.

Description

Technical Field

[0001] The present disclosure relates to the fields of Internet and information security technology, and more specifically, to a data method, device, electronic device and medium. Background Art

[0002] In existing economic activities, with the continuous increase of user transaction data, in addition to the relatively fixed transaction information, a large amount of personalized information related to specific users has also appeared. Whether the relevant personalized information can be identified, utilized and prompted in a timely manner has an important impact on the security of transaction activities and customer satisfaction with financial institutions.

[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 prior art:

[0004] In the current trading system, for high-risk trading behaviors, the transaction authorization is usually used to promptly remind the handling personnel. However, there is a lack of personalized reminder content based on the personalized situation of a single user. Summary of the invention

[0005] In view of this, embodiments of the present disclosure provide a data processing method, apparatus, electronic device, and medium.

[0006] One aspect of the present disclosure provides a data processing method, characterized in that it includes: constructing a first data table and a second data table based on user initial data, wherein the user initial data includes initial business information data and initial personalized prompt information data, and constructing the first data table and the second data table based on the user initial data includes: constructing a first data table based on the initial business information data; and constructing a second data table based on the initial personalized prompt information data; acquiring user transaction data, wherein the user transaction data is associated with the user initial data through a user identifier; performing transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information; performing personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information; and synchronously displaying the transaction authorization information and personalized prompt information based on the processing results of the first data table and the second data table.

[0007] In some embodiments, constructing the first data table and the second data table based on the user's initial data also includes: constructing the first data table in a back-end system based on initial business information data; and splitting the second data table into a first data sub-table and a second data sub-table based on initial personalized prompt information data, wherein the first data sub-table is constructed in the back-end system; the second data sub-table is constructed in the front-end system; the second data table includes multiple fields; the first data sub-table and the second data sub-table include at least one identical field, and the back-end system and the front-end system are connected based on the at least one identical field and implement data calls.

[0008] In some embodiments, splitting the second data table into a first data sub-table and a second data sub-table based on the initial personalized prompt information data also includes: defining a storage format of the second data table, wherein the storage format is a key-value pair format, and multiple fields of the second data table include a user identifier, an initial personalized prompt information key, and an initial personalized prompt information value; storing the user identifier and the initial personalized prompt information key in the first data sub-table; and storing the initial personalized prompt information key and the initial personalized prompt information value in the second data sub-table, wherein the back-end system and the front-end system are connected through the initial personalized prompt information key and implement data calls.

[0009] In some embodiments, constructing the first data table in the backend system based on the initial business information data further includes: storing the initial business information data in the first data table according to a preset storage format, wherein the first data table includes a user identifier.

[0010] In some embodiments, the transaction authorization processing and personalized prompt processing can be triggered based on the same processing flow, and the triggering of the transaction authorization processing and personalized prompt processing based on the same processing flow includes: extracting a user transaction identifier based on user transaction data; performing a user legitimacy check processing flow based on the user transaction identifier, wherein the user legitimacy check processing flow includes a checking method for transaction authorization judgment and user personalized information prompt judgment; the checking method for transaction authorization judgment is associated with the initial business information data; the user personalized information prompt judgment is associated with the initial personalized prompt information data; the user legitimacy check processing flow is performed in the back-end system; triggering transaction authorization processing based on the checking result of the transaction authorization judgment, the transaction authorization includes obtaining a transaction authorization code and transaction authorization information, and the transaction authorization processing is performed in the back-end system; and triggering personalized prompt processing based on the checking result of the user personalized information prompt judgment, and the personalized prompt is performed in the front-end system.

[0011] In some embodiments, the method for checking the user personalized information prompt judgment includes: judging whether the user transaction identifier is the same as the user identifier; and if the user transaction identifier and the user identifier are the same, searching for the initial personalized prompt information key corresponding to the user identifier based on the first data subtable, and marking it as the current personalized prompt information key.

[0012] In some embodiments, the inspection result based on the user personalized information prompt judgment triggers personalized prompt processing, including: passing the current personalized prompt information key to the front-end system processing; the front-end system processing includes: obtaining the initial personalized prompt information value matching the current personalized prompt information key based on the second data subtable, marking it as the current personalized prompt information value; and triggering the personalized prompt information display based on the current personalized prompt information value.

[0013] In some embodiments, the synchronous display of transaction authorization information and personalized prompt information based on the processing results of the first data table and the second data table also includes: synchronous display of transaction authorization information and personalized prompt information based on the front-end system; wherein the transaction authorization information is obtained from the back-end system; and the personalized prompt information is obtained from the front-end system processing.

[0014] In some embodiments, the personalized prompt information key is in the same format as the transaction authorization code; the personalized prompt information value is in the same format as the transaction authorization information.

[0015] Another aspect of the present disclosure provides a data processing device, including a construction module, configured to construct a first data table and a second data table based on user initial data; wherein the user initial data includes initial business information data and initial personalized prompt information data; configured to construct a first data table based on the initial business information data; and construct a second data table based on the initial personalized prompt information data; an acquisition module, configured to acquire user transaction data, wherein the user transaction data is associated with the user initial data through a user identifier; a processing module, configured to perform transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information, and to perform personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information; and a display module, configured to synchronously display the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

[0016] In some embodiments, the construction module also includes: a first construction sub-module, configured to construct the first data table in the back-end system based on the business initial information data; and a second construction sub-module, configured to split the second data table into a first data sub-table and a second data sub-table based on the personalized prompt information data; wherein the first data sub-table is constructed in the back-end system; the second data sub-table is constructed in the front-end system; the second data table includes multiple fields; the first data sub-table and the second data sub-table include the same fields, and the back-end system and the front-end system are connected based on the same fields and implement data calls.

[0017] Another aspect of the present disclosure provides a data processing system, including: a back-end system and a front-end system, wherein a first data table is constructed based on the back-end system; a second data table is constructed based on the back-end system and the front-end system, wherein the first database table is constructed as a business information data table, and the second database table is constructed as a user personalized prompt information data table; wherein the second data table is divided into a first data sub-table and a second data sub-table, the first data sub-table is constructed based on the back-end system; the second data sub-table is constructed based on the front-end system; the second data table includes multiple fields; the first data sub-table and the second data sub-table include at least one identical field; the back-end system is connected to the front-end system in communication; the back-end system is connected to the front-end system based on the at least one identical field and implements data call. The data processing system is used to implement the data processing method of the embodiment of the present disclosure.

[0018] Another aspect of the present disclosure provides an electronic device, including one or more processors and a storage device, wherein the storage device is used to store executable instructions, and when the executable instructions are executed by the processor, the method as described above is implemented.

[0019] Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions, which are used to implement the above method when executed.

[0020] Another aspect of the present disclosure provides a computer program, which includes computer executable instructions, and the instructions are used to implement the method described above when executed.

[0021] The method provided by the embodiment of the present disclosure provides a data processing method for processing and displaying personalized prompt information. In transaction activities, personalized prompt information is combined with transaction authorization information and displayed to the handling personnel, which is conducive to improving the bank service level. At the same time, personalized prompt information can be displayed to customers in a timely manner without increasing user interaction behavior, thereby increasing customer satisfaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] 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:

[0023] Figure 1 An exemplary system architecture to which the method and apparatus according to an embodiment of the present disclosure can be applied is schematically shown;

[0024] Figure 2 A flowchart schematically shows a data processing method according to an embodiment of the present disclosure;

[0025] Figure 3 A flowchart schematically shows a method for constructing a first data table and a second data table according to an embodiment of the present disclosure;

[0026] Figure 4 A flowchart schematically shows a method for triggering transaction authorization processing and personalized prompt processing based on the same processing flow;

[0027] Figure 5 A flowchart schematically shows a method for a front-end system to perform personalized prompt processing;

[0028] Fig. 6A A block diagram schematically shows a data processing device according to an embodiment of the present disclosure;

[0029] Figure 6B A block diagram schematically shows the internal device of a building module according to an embodiment of the present disclosure;

[0030] Figure 7 A diagram schematically showing the composition of a data processing system according to an embodiment of the present disclosure; and

[0031] Figure 8 A block diagram of an electronic device according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0032] 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.

[0033] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0034] When using expressions such as "at least one of A, B or C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B or C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.). The terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Therefore, features defined as "first" and "second" may explicitly or implicitly include one or more of the said features.

[0035] In economic activities, such as transactions in the banking system, the format of transaction display information is fixed and the content is limited. For example, transfer transactions generally only contain basic information such as account number, amount, currency, account name, etc. With the continuous increase of customer and account data, a large amount of personalized information associated with specific accounts has emerged. Whether the relevant personalized information can be identified, prompted and used in a timely manner has an important impact on the security of transaction activities and customers' service evaluation of banks. However, according to the existing transaction data processing system, tellers, account managers and other staff cannot timely identify the personalized situation of accounts through transactions. Therefore, for scenarios that need to combine the personalized content of the account itself, it is necessary to provide personalized customer and account prompt information to staff to improve the level of bank services. On the other hand, in order to reduce user interaction, it is necessary to set up appropriate data processing methods to achieve the simultaneous display of account customized prompt information and transaction authorization information to increase customer satisfaction. On the other hand, transaction authorization information is usually processed and maintained in the back-end system. Since the amount of data in the back-end system is relatively large and the data storage format is relatively fixed, a set of personalized prompt information data processing and display methods can be established based on the account, and the personalized prompt information related content can be maintained in the back-end system and the front-end system at the same time, and the back-end processing results can be associated with the front-end information display to reduce data transmission overhead and improve access efficiency.

[0036] Embodiments of the present disclosure provide a data processing method, device, electronic device and medium. The data processing method includes: constructing a first data table and a second data table based on user initial data. The user initial data includes initial business information data and initial personalized prompt information data. Constructing the first data table and the second data table based on the user initial data includes: constructing a first data table based on the initial business information data; and constructing a second data table based on the initial personalized prompt information data. Obtaining user transaction data, wherein the user transaction data is associated with the user initial data through a user identifier. Performing transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information. Performing personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information. And synchronously displaying transaction authorization information and personalized prompt information based on the processing results of the first data table and the second data table. The transaction authorization processing and the personalized prompt processing are triggered based on the same processing flow.

[0037] It should be noted that the data processing method, device, system and electronic device provided in the embodiments of the present disclosure can be used in the data processing and display related aspects of the Internet and information security technology, and can also be used in various fields other than the Internet and information security technology, such as the financial field, etc. The application fields of the data processing method, device, system and electronic device provided in the embodiments of the present disclosure are not limited.

[0038] The above operations for achieving at least one purpose of the present disclosure will be described below in conjunction with the accompanying drawings and their explanatory texts.

[0039] In bank transactions, when customers go to the counter to handle transfer business, the handling staff extracts the transaction data entered by the customer, such as account number, account name, transfer amount requirement, transfer currency, etc., and transmits the relevant transaction data from the front-end page system to the back-end data processing system for querying and processing the relevant account information and transaction requirements. Since the customer's transfer amount is high, the back-end data processing system returns the authorization code and authorization information to the front-end page system, prompting the teller to request the account manager for authorization. The business is successfully completed. Then, due to the defects of the information prompt mechanism, the teller and the account manager can only process and authorize the current transaction request, and cannot timely identify the customer's personalized situation - the customer's loan is in arrears. The customer did not intend to default, and only knew that he had failed to repay the previous month's repayment amount in time when he received a collection call from the bank later. Due to the large transfer made recently, the customer temporarily lacked working capital to repay immediately, which made him dissatisfied with the bank's information prompt mechanism. On the other hand, since the personalized information was not prompted in time during the large transfer transaction, the workload of the loan department in urging and recovering the money in the future was increased. Therefore, it is necessary to improve the existing information prompt mechanism and provide a method that can simultaneously display personalized account prompt information during transaction authorization, so as to simultaneously improve the bank's service level and customer satisfaction.

[0040] Figure 1 The exemplary system architecture to which the method and apparatus according to the embodiments of the present disclosure can be applied 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.

[0041] like Figure 1 As shown, the system architecture 100 according to this embodiment may include a terminal device 101, a network 102 and a server 103. The network 102 is used to provide a medium for a communication link between the terminal device 101 and the server 103. The network 102 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0042] The terminal device 101 interacts with the server 103 through the network 102 to receive or send information, etc. The terminal device 101 may have the function of receiving user counter transaction requests and related user transaction data, and may also have the function of receiving and displaying transaction processing results and personalized prompt information. The terminal device 101 may also include a data processing function to achieve linkage processing with the server 103. In addition, the terminal device 101 may also include an application for querying and handling other existing bank services (only as an example). The terminal device 101 includes but is not limited to a tablet computer, a laptop, a desktop computer, etc.

[0043] The server 103 can parse the user information data set to obtain the user's counter transaction request and related user transaction data. The server 103 can be a database server, a background management server, a server cluster, etc. The server 103 can analyze and process the received user request and other data, and feed back the processing results (such as transaction authorization information obtained or generated according to the user request, personalized prompt information data, etc.) to the terminal device 101. The server 103 can also work with the terminal device 101 to process data, and the terminal device 101 displays the processing results.

[0044] It should be noted that the method provided in the embodiment of the present disclosure can be executed by the server 103, or can be executed jointly by the terminal device 101 and the server 103. Accordingly, the apparatus provided in the embodiment of the present disclosure can be set in the server 103, or can be split and set in the terminal device 101 and the server 103 according to the steps completed by the apparatus.

[0045] It should be understood that the number of terminal devices, networks and servers is only illustrative. Depending on the implementation requirements, there can be any number of terminal devices, networks and servers.

[0046] Figure 2 The flowchart of the data processing method according to the embodiment of the present disclosure is schematically shown.

[0047] like Figure 2 As shown, the method may include operations S201 to S205.

[0048] In operation S201 , a first data table and a second data table are constructed based on user initial data.

[0049] According to an embodiment of the present disclosure, the user initial data includes initial business information data and initial personalized prompt information data. Accordingly, constructing a first data table and a second data table based on the user initial data includes: constructing a first data table based on the initial business information data, and constructing a second data table based on the initial personalized prompt information data.

[0050] According to an embodiment of the present disclosure, the initial business information data includes the user account status and account information recorded in the system after the last user transaction. The initial personalized prompt information data may include the personalized historical information data of the user at the current bank and the current branch, including whether there is a loan, the loan repayment status, whether financial products have been purchased, whether there are any items lost at the current branch or other branches, etc. The personalized historical information data of the current bank and the current branch can be updated irregularly based on the interaction between the user and the current bank or the current branch. The first data table can be the original data table for storing initial business information. In the transaction system, the amount of business information data is usually large and the format is relatively fixed. In order not to increase the system overhead required for personalized information prompts and not to change the format of the stored business information data to a large extent, the initial personalized prompt information data is extracted and stored separately in the second data table to reduce the load on the system.

[0051] In operation S202, user transaction data is obtained, where the user transaction data is associated with the user initial data via a user identifier.

[0052] According to an embodiment of the present disclosure, user transaction data includes the transaction request currently input by the user, such as the account name, account number, transaction type, transaction amount, etc. input by the user at the counter. The user identifier may include but is not limited to the account number or a combination of the account number and the user name. It is understood that the user identifier can uniquely identify the current user, thereby associating the user transaction data with the user initial data.

[0053] In operation S203, transaction authorization processing is performed on the user transaction data based on the first data table to obtain transaction authorization information.

[0054] According to an embodiment of the present disclosure, transaction authorization processing includes matching user transaction data with initial business information data stored in a first data table, and performing business process processing after matching to obtain transaction authorization information, and the transaction authorization information is used to indicate that the transaction is carried out to complete the user's transaction request.

[0055] In operation S204, personalized prompt processing is performed on the user transaction data based on the second data table to obtain personalized prompt information.

[0056] According to an embodiment of the present disclosure, personalized prompt processing includes matching user transaction data with initial personalized prompt information data stored in a second data table, and processing after matching to determine whether there is personalized information that needs to be prompted, and obtaining the personalized information that needs to be prompted.

[0057] In operation S205, transaction authorization information and personalized prompt information are synchronously displayed based on the processing results of the first data table and the second data table.

[0058] According to the embodiments of the present disclosure, by synchronously displaying transaction authorization information and personalized prompt information, personalized prompt information is displayed to customers in a timely manner without increasing user interaction behavior, thereby improving the bank's service level and customer satisfaction.

[0059] In some specific embodiments of the present disclosure, a specific method for constructing a first data table and a second data table based on user initial data is provided.

[0060] Figure 3 The flowchart of the method for constructing the first data table and the second data table according to the embodiment of the present disclosure is schematically shown.

[0061] like Figure 3 As shown, the method may include operations S301 to S302.

[0062] In operation S301, the first data table is constructed in a backend system based on initial business information data.

[0063] In operation S302, based on the initial personalized prompt information data, the second data table is split into a first data sub-table and a second data sub-table, the first data sub-table is constructed in the back-end system, and the second data sub-table is constructed in the front-end system.

[0064] According to an embodiment of the present disclosure, business process processing is usually carried out in a bank backend system, so the first data table is constructed in the backend system. When storing the initial personalized prompt information data, in order to further improve the data access efficiency, the second data table is further split into a first data subtable and a second data subtable. The second data table of the present disclosure includes multiple fields. The first data subtable and the second data subtable include at least one identical field among the multiple fields. The backend system and the frontend system can be connected and implement data call based on the at least one identical field.

[0065] In the embodiment of the present disclosure, by splitting and constructing the second data table in the back-end system and the front-end system, and connecting them through at least one common field, the initial personalized prompt information data is maintained simultaneously in the back-end system and the front-end system. The at least one common field can have a small storage overhead, so that a small transmission overhead can be achieved when the front-end and back-end data are called, further reducing the transmission load of the system.

[0066] In some specific embodiments, the splitting of the second data table into the first data sub-table and the second data sub-table based on the initial personalized prompt information data further includes: defining a storage format of the second data table. The storage format is a key-value pair format, and the multiple fields of the second data table include a user identifier, an initial personalized prompt information key, and an initial personalized prompt information value. The user identifier and the initial personalized prompt information key are stored in the first data sub-table. The initial personalized prompt information key and the initial personalized prompt information value are stored in the second data sub-table. The back-end system and the front-end system are connected through the initial personalized prompt information key and implement data call.

[0067] According to a specific embodiment of the present disclosure, the second data table can be stored flexibly and conveniently using a key-value pair data structure. In a key-value pair data structure, the storage overhead of the key is usually small. In a specific embodiment of the present disclosure, the initial personalized prompt information key can be a number, and the initial personalized prompt information value can include but is not limited to a string. The initial personalized prompt information value can be used to explain the meaning of the initial personalized prompt information key. For example, the initial personalized prompt information key can be "99003", and the corresponding initial personalized prompt information value can be "The customer defaults on the loan, please contact the account manager". By using the initial personalized prompt information key as a field connecting the back-end system and the front-end system, low-cost and high-efficiency data access can be achieved. Therefore, when the back-end system returns the initial personalized prompt information key to the front-end system, the front-end system identifies the personalized situation of the customer defaulting on the loan by looking up the initial personalized prompt information value corresponding to 99003.

[0068] In some specific embodiments, constructing the first data table in the backend system based on the initial business information data further includes: storing the initial business information data in the first data table according to a preset storage format, and the first data table includes a user identifier.

[0069] According to an embodiment of the present disclosure, the first data table may include the original initial business information data and its structure. Accordingly, the preset storage format may be the original initial business information storage format. It is understandable that the first data table also includes a user identifier to uniquely associate other data information corresponding to the user identifier, including but not limited to the initial personalized prompt information.

[0070] In some specific embodiments, the transaction authorization process and the personalized prompt process may be triggered based on the same processing flow to reduce the amount of data processing.

[0071] Figure 4The flowchart schematically shows a method for triggering transaction authorization processing and personalized prompt processing based on the same processing flow.

[0072] like Figure 4 As shown, the method may include operations S401 to S404.

[0073] In operation S401, a user transaction identifier is extracted based on user transaction data.

[0074] In operation S402, a user legitimacy check process is performed based on the user transaction identifier, wherein the user legitimacy check process includes a check method for transaction authorization judgment and user personalized information prompt judgment.

[0075] According to a specific embodiment of the present disclosure, the user legitimacy check processing flow may be an account agreement legitimacy check. The user legitimacy check processing flow is performed in the back-end system. When a customer conducts a transaction at the counter, after the user transaction data enters the back-end system, an account agreement legitimacy check must be implemented to ensure the security and reliability of the transaction. The transaction authorization judgment may be an authorization judgment flow of the original business processing, for example, it may include judging whether the account is legal (such as whether the account belongs to our bank account, whether the account length is correct, etc.), and whether the account status corresponding to the account is normal (such as whether there is freezing, whether it is in normal use, etc.). Accordingly, the transaction authorization judgment may be associated with the initial business information data. On the other hand, the user personalized information prompt judgment may be judging whether there is user personalized information that needs to be prompted. Accordingly, the user personalized information prompt judgment is associated with the initial personalized prompt information data. The judgment may be performed based on the initial personalized prompt information key. According to a specific embodiment of the present disclosure, the initial personalized prompt information data is stored in the form of a key-value pair. Since the key-value pair may be empty, or the initial personalized prompt information key is preset as "00000", the corresponding initial personalized prompt information value is "no prompt information", and then no personalized information prompt is required at this time.

[0076] In some exemplary embodiments, a method for checking the initial personalized prompt information key may be added to the account agreement legitimacy check to achieve simultaneous judgment of transaction authorization and personalized prompts, thereby reducing the data processing overhead of the system.

[0077] In some exemplary embodiments, the method for checking the user personalized information prompt judgment includes: judging whether the user transaction identifier is the same as the user identifier. If the user transaction identifier is the same as the user identifier, the user information is successfully matched. At this time, the initial personalized prompt information key corresponding to the user identifier is searched based on the first data subtable and marked as the current personalized prompt information key. The current personalized prompt information key can be merged with the transaction authorization information after obtaining the transaction authorization information, and output to the front-end system through the authorization information channel.

[0078] In operation S403, a transaction authorization process is triggered based on the check result of the transaction authorization judgment.

[0079] According to a specific embodiment of the present disclosure, the transaction authorization process includes obtaining a transaction authorization code and transaction authorization information. The transaction authorization is performed in the back-end system. The transaction authorization code is used for a specific authorized person to complete the operations required for the transaction, and it can be a number. The transaction authorization information is used to explain the meaning of the transaction authorization code, which can include but is not limited to a string. For example, the transaction authorization code is "10010" and the transaction authorization information is "Large amount transfer, please authorize". Thus, the back-end system can complete the transaction authorization process, and output the transaction authorization information through the authorization information channel and feed it back to the front-end system to facilitate the teller to perform subsequent operations.

[0080] In operation S404, a personalized prompt process is triggered based on the inspection result of the user personalized information prompt judgment.

[0081] According to a specific embodiment of the present disclosure, the personalized prompt processing is performed in the front-end system by transmitting the current personalized prompt information key to the front-end system for personalized prompt processing.

[0082] Figure 5 The flowchart schematically shows a method for a front-end system to perform personalized prompt processing.

[0083] like Figure 5 As shown, the method may include operations S501 to S502.

[0084] In operation S501, an initial personalized prompt information value matching the current personalized prompt information key is obtained based on the second data sub-table and marked as the current personalized prompt information value.

[0085] In operation S502, the personalized prompt information display is triggered based on the current personalized prompt information value.

[0086] According to a specific embodiment of the present disclosure, personalized prompt information and transaction authorization information are displayed synchronously. The display is performed based on the front-end system. The transaction authorization information is obtained from the processing result of the aforementioned back-end system; the personalized prompt information is obtained from the processing result of the front-end system.

[0087] In some exemplary embodiments, the personalized prompt information key is in the same format as the transaction authorization code; the personalized prompt information value is in the same format as the transaction authorization information.

[0088] According to an exemplary embodiment of the present disclosure, the personalized prompt information key and the transaction authorization code may both be numbers; the personalized prompt information value and the transaction authorization information may be in the same format, and the same format includes but is not limited to a character string. In one example, the personalized prompt information key is "99003" and the transaction authorization code is "10010"; the personalized prompt information key is "The customer defaults on the loan, please contact the account manager", and the transaction authorization information is "Large amount transfer, please authorize". Since the personalized prompt information key is set to the same format as the transaction authorization code, and the personalized prompt information value is set to the same format as the transaction authorization information, there is no need to add a data format conversion process in the process of outputting and synchronously displaying the transaction authorization information and the personalized prompt information, further reducing the data processing overhead of the system.

[0089] In one example, the data processing method of the present disclosure can be demonstrated through the following scenario:

[0090] The teller sets the personalized prompt information key: 99003 through the counter transaction; and the personalized prompt information value: the customer defaults on the loan, please contact the account manager. This information is registered in the front-end system. Because customer A defaulted on the loan, the account manager set the initial personalized prompt information key 99003 for his account 1190000000102. This information is registered in the back-end system. The customer uses account 1190000000102 to withdraw money at the counter. When the back-end system performs a user legitimacy check, it triggers personalized prompt processing and returns the current personalized prompt information key 99003 and other transaction authorization information (such as 10010-large transfer, please authorize) to the front-end system.

[0091] The front-end system searches for the associated information meaning for the current personalized prompt information key 99003 and obtains the current personalized prompt information value "The customer defaults on the loan, please contact the account manager". The front-end system displays the transaction authorization information and the current personalized prompt information value simultaneously. The teller learns the personalized prompt content of this account, informs the account manager, and informs the customer of the displayed information.

[0092] The data processing method provided by the embodiment of the present disclosure uses personalized prompt information as custom prompt information, flexibly stores it in the second data table, and displays it synchronously with the transaction authorization information without increasing user interaction behavior, which is conducive to improving the bank's service level and increasing customer satisfaction. The second data table can also be further divided into a first data sub-table and a second data sub-table, which are maintained simultaneously in the back-end system and the front-end system, and the data call of the back-end system and the front-end system is realized through the same field, reducing the overhead of system data transmission and processing, and improving data access efficiency.

[0093] Fig. 6A The block diagram schematically shows a data processing device according to an embodiment of the present disclosure.

[0094] like Fig. 6A As shown, another aspect of the present disclosure provides a data processing device 600 , which may include a construction module 601 , an acquisition module 602 , a processing module 603 , and a display module 604 .

[0095] The construction module 601 is configured to construct a first data table and a second data table based on the user's initial data. The user's initial data includes initial business information data and initial personalized prompt information data. The first data table is constructed based on the initial business information data; and the second data table is constructed based on the initial personalized prompt information data.

[0096] The acquisition module 602 is configured to acquire user transaction data, wherein the user transaction data is associated with the user initial data via a user identifier;

[0097] The processing module 603 is configured to perform transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information, and to perform personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information.

[0098] The display module 604 is configured to synchronously display the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

[0099] It can be understood that, in order to achieve the above functions, the construction module 601 may also include a first construction submodule and a second construction submodule.

[0100] Figure 6B The block diagram schematically shows the internal device of the building module according to an embodiment of the present disclosure.

[0101] like Figure 6B As shown, the construction module 601 may include a first construction submodule 6011 and a second construction submodule 6012 .

[0102] The first construction submodule 6011 is configured to construct the first data table in the backend system based on the business initial information data.

[0103] The second construction sub-module 6012 is configured to split the second data table into a first data sub-table and a second data sub-table based on the personalized prompt information data; wherein the first data sub-table is constructed in the back-end system; the second data sub-table is constructed in the front-end system; the second data table includes multiple fields; the first data sub-table and the second data sub-table include the same fields, and the back-end system and the front-end system are connected based on the same fields and implement data calls.

[0104] It should be noted that the implementation methods, technical problems solved, functions realized, and technical effects achieved of each module / unit / sub-unit, etc. in the device part embodiment are the same or similar to the implementation methods, technical problems solved, functions realized, and technical effects achieved of each corresponding step in the method part embodiment.

[0105] According to the modules and units of the embodiments of the present disclosure, any multiple or at least part of the functions of any multiple thereof can be implemented in one module. According to the modules and units of the embodiments of the present disclosure, any one or more can be split into multiple modules for implementation. According to the modules and units of the embodiments of the present disclosure, any one or more 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 of 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 modules and units of the embodiments of the present disclosure, one or more 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.

[0106] For example, any multiple of the building module 601, the acquisition module 602, the processing module 603, the display module 604, the first building submodule 6011 and the second building submodule 6012 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 of the building module 601, the acquisition module 602, the processing module 603, the display module 604, the first building submodule 6011 and the second building submodule 6012 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 an appropriate combination of any of them. Alternatively, at least one of the construction module 601, the acquisition module 602, the processing module 603, the display module 604, the first construction sub-module 6011 and the second construction sub-module 6012 can be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is executed.

[0107] Another aspect of the present disclosure provides a data processing system.

[0108] Figure 7 The diagram schematically shows a composition diagram of a data processing system according to an embodiment of the present disclosure.

[0109] like Figure 7 As shown, the data processing system of the embodiment of the present disclosure includes a backend system 701 , a frontend system 702 , and a network 703 .

[0110] The backend system 701 can be used to construct a first data table. The first database table is constructed as a business information data table.

[0111] The back-end system 701 and the front-end system 702 can be used to jointly construct a second data table. The second database table is constructed as a user personalized prompt information data table. The second data table can be divided into a first data sub-table and a second data sub-table. The first data sub-table can be constructed based on the back-end system 701. The second data sub-table can be constructed based on the front-end system 702.

[0112] According to the data processing system of the embodiment of the present disclosure, the second data table may include multiple fields. The first data sub-table and the second data sub-table may include at least one identical field.

[0113] According to the data processing system of the embodiment of the present disclosure, the back-end system 701 and the front-end system 702 implement data processing functions through a server. The back-end system 701 and the front-end system 702 are connected to each other through a network 703, and the network 703 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc. The back-end system 701 and the front-end system 702 are connected based on the at least one same field and implement data calls.

[0114] According to the data processing system of the embodiment of the present disclosure, the data processing system can be used to implement the data processing method described in the embodiment of the present disclosure.

[0115] It is understandable that the number of servers in the backend system 701 and the frontend system 702, and the number of networks 702 are merely illustrative. Depending on the implementation requirements, there may be any number of networks and servers disposed in the backend and frontend systems.

[0116] Figure 8 A block diagram of an electronic device according to an embodiment of the present disclosure is schematically shown. Figure 8 The electronic device 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.

[0117] like Figure 8 As shown, the electronic device 800 according to an embodiment of the present disclosure includes a processor 801, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 802 or a program loaded from a storage part 808 into a random access memory (RAM) 803. The processor 801 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 801 may also include an onboard memory for caching purposes. The processor 801 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.

[0118] In RAM 803, various programs and data required for the operation of electronic device 800 are stored. Processor 801, ROM 802 and RAM 803 are connected to each other via bus 804. Processor 801 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 802 and / or RAM 803. It should be noted that the program can also be stored in one or more memories other than ROM 802 and RAM 803. Processor 801 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.

[0119] According to an embodiment of the present disclosure, the electronic device 800 may further include an input / output (I / O) interface 805, which is also connected to the bus 804. The electronic device 800 may further include one or more of the following components connected to the I / O interface 805: an input portion 806 including a keyboard, a mouse, etc.; an output portion 807 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 808 including a hard disk, etc.; and a communication portion 809 including a network interface card such as a LAN card, a modem, etc. The communication portion 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the I / O interface 805 as needed. A removable medium 811, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 810 as needed, so that a computer program read therefrom is installed into the storage portion 808 as needed.

[0120] 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 809, and / or installed from the removable medium 811. When the computer program is executed by the processor 801, 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.

[0121] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0122] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 802 and / or RAM 803 described above and / or one or more memories other than ROM 802 and RAM 803.

[0123] 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.

[0124] The present disclosure also provides a computer program product, which includes one or more programs. The above method 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 809, and / or installed from the removable medium 811. When the computer program is executed by the processor 801, the above 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.

[0125] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0126] 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. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A data processing method, characterized in that: include: Constructing a first data table and a second data table based on user initial data, wherein the user initial data includes initial business information data and initial personalized prompt information data, and constructing the first data table and the second data table based on the user initial data includes: constructing the first data table based on the initial business information data; and constructing the second data table based on the initial personalized prompt information data; Acquire user transaction data, wherein the user transaction data is associated with the user initial data via a user identifier; Performing transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information; Performing personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information; and Based on the processing results of the first data table and the second data table, the transaction authorization information and the personalized prompt information are displayed synchronously. Wherein, constructing the first data table and the second data table based on the user initial data further includes: Based on the initial business information data, constructing the first data table in the backend system; and Based on the initial personalized prompt information data, the second data table is split into a first data sub-table and a second data sub-table, wherein the first data sub-table is constructed in a back-end system; the second data sub-table is constructed in a front-end system; the second data table includes a plurality of fields; the first data sub-table and the second data sub-table include at least one identical field, and the back-end system is connected with the front-end system based on the at least one identical field and implements data call, Wherein, the splitting of the second data table into a first data sub-table and a second data sub-table based on the initial personalized prompt information data further includes: Defining a storage format of the second data table, wherein the storage format is a key-value pair format, and the plurality of fields of the second data table include a user identifier, an initial personalized prompt information key, and an initial personalized prompt information value; storing the user identifier and the initial personalized prompt information key in the first data subtable; and The initial personalized prompt information key and the initial personalized prompt information value are stored in the second data sub-table, wherein the back-end system and the front-end system are connected through the initial personalized prompt information key and realize data calling.

2. The data processing method according to claim 1, wherein: The step of constructing the first data table in the back-end system based on the initial business information data further includes: The initial service information data is stored in a first data table according to a preset storage format, wherein the first data table includes a user identifier.

3. The data processing method according to claim 2, wherein: The transaction authorization process and the personalized prompt process also include: The transaction authorization process and the personalized prompt process are triggered based on the same process flow, including: extracting a user transaction identifier based on the user transaction data; A user legitimacy check processing flow is performed based on the user transaction identifier, wherein the user legitimacy check processing flow includes a check method for transaction authorization judgment and user personalized information prompt judgment; the check method for transaction authorization judgment is associated with the initial business information data; the user personalized information prompt judgment is associated with the initial personalized prompt information data; the user legitimacy check processing flow is performed in the back-end system; triggering a transaction authorization process based on the inspection result of the transaction authorization judgment, wherein the transaction authorization process includes obtaining a transaction authorization code and transaction authorization information, and the transaction authorization is performed in the back-end system; and The inspection result based on the user personalized information prompt judgment triggers personalized prompt processing, and the personalized prompt processing is performed in the front-end system.

4. The data processing method according to claim 3, wherein: The checking method for judging the user personalized information prompt includes: determining whether the user transaction identifier is the same as the user identifier; and If the user transaction identifier is the same as the user identifier, the initial personalized prompt information key corresponding to the user identifier is searched based on the first data subtable and marked as the current personalized prompt information key.

5. The data processing method according to claim 4, wherein: The inspection result based on the user personalized information prompt judgment triggers personalized prompt processing, including: The current personalized prompt information key is transmitted to the front-end system for processing; the front-end system processing includes: Acquire an initial personalized prompt information value matching the current personalized prompt information key based on the second data subtable, and mark it as the current personalized prompt information value; and The personalized prompt information display is triggered based on the current personalized prompt information value.

6. The data processing method according to claim 5, wherein: The synchronous display of transaction authorization information and personalized prompt information based on the processing results of the first data table and the second data table also includes: Synchronous display of transaction authorization information and personalized prompt information based on the front-end system; The transaction authorization information is obtained from the back-end system; the personalized prompt information is obtained from the front-end system.

7. The data processing method according to claim 6, wherein: The personalized prompt information key has the same format as the transaction authorization code; the personalized prompt information value has the same format as the transaction authorization information.

8. A data processing device, comprising: A construction module, configured to construct a first data table and a second data table based on user initial data; wherein the user initial data includes initial business information data and initial personalized prompt information data; configured to construct the first data table based on the initial business information data; and construct the second data table based on the initial personalized prompt information data; an acquisition module configured to acquire user transaction data, wherein the user transaction data is associated with the user initial data via a user identifier; a processing module configured to perform transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information, and to perform personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information; and a display module configured to synchronously display transaction authorization information and personalized prompt information based on the processing results of the first data table and the second data table, The building blocks further include: A first construction submodule is configured to construct the first data table in a backend system based on the business initial information data; as well as The second construction submodule is configured to split the second data table into a first data subtable and a second data subtable based on the personalized prompt information data; wherein the first data subtable is constructed in the back-end system; the second data subtable is constructed in the front-end system; the second data table includes a plurality of fields; the first data subtable and the second data subtable include the same fields, and the back-end system and the front-end system are connected based on the same fields and implement data call, Wherein, the splitting of the second data table into a first data sub-table and a second data sub-table based on the initial personalized prompt information data further includes: Defining a storage format of the second data table, wherein the storage format is a key-value pair format, and the plurality of fields of the second data table include a user identifier, an initial personalized prompt information key, and an initial personalized prompt information value; storing the user identifier and the initial personalized prompt information key in the first data subtable; and The initial personalized prompt information key and the initial personalized prompt information value are stored in the second data sub-table, wherein the back-end system and the front-end system are connected through the initial personalized prompt information key and realize data calling.

9. A data processing system comprising: A back-end system and a front-end system, wherein a first data table is constructed based on the back-end system; a second data table is jointly constructed based on the back-end system and the front-end system, wherein the first data table is constructed as a business information data table, and the second data table is constructed as a user personalized prompt information data table; wherein the second data table is divided into a first data sub-table and a second data sub-table, the first data sub-table is constructed based on the back-end system; the second data sub-table is constructed based on the front-end system; the second data table includes multiple fields; the first data sub-table and the second data sub-table include at least one identical field; the back-end system is connected to the front-end system in communication; the back-end system and the front-end system are connected based on the at least one identical field and implement data calls, The storage format of the second data table is a key-value pair format, and the multiple fields of the second data table include a user identifier, an initial personalized prompt information key, and an initial personalized prompt information value; storing the user identifier and the initial personalized prompt information key in the first data subtable; and The initial personalized prompt information key and the initial personalized prompt information value are stored in the second data sub-table, wherein the back-end system and the front-end system are connected and data call is realized through the initial personalized prompt information key; The data processing system is used to implement the method according to any one of claims 2 to 7.

10. An electronic device, comprising: one or more processors; A storage device for storing executable instructions, wherein when the executable instructions are executed by the processor, the data processing method according to any one of claims 1 to 7 is implemented.

11. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, implements the data processing method according to any one of claims 1 to 7.

12. A computer program product, comprising one or more executable instructions, which implement the method according to any one of claims 1 to 7 when executed by a processor.

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