Data processing method, device, apparatus, and computer storage medium

Abstract

This application provides a data processing method, apparatus, device, and computer storage medium. The data processing method includes acquiring payment application information; generating target regulatory information for the payment application based on preset regulatory rules according to the payment application information; sending the target regulatory information to a third-party device for the third-party device to receive instruction information input by the user based on the target regulatory information; receiving the instruction information sent by the third-party device; and processing the payment application according to the instruction information. According to this application, based on existing fund transaction document review, preset regulatory rules can be added for monitoring, and payment transactions can be processed according to the decisions of third-party devices, avoiding the risk of inadequate review by reviewers and improving the effectiveness of fund risk control.

Description

Technical Field

[0001] This application belongs to the field of computer technology, and in particular relates to a data processing method, apparatus, device and computer storage medium. Background Technology

[0002] With the rapid development of banking services, third-party clients have increasingly stringent requirements for risk monitoring of fund transactions, needing to ensure the compliance and security of every payment. Therefore, how to effectively screen for risks in fund payment transactions has become an urgent problem to be solved.

[0003] In existing technologies, fund payment risks are typically controlled manually by reviewers through document creation and verification, striving to ensure the security and compliance of fund payments. However, this method of risk control by reviewers is susceptible to risks such as inadequate verification, lack of understanding of new fund security rules by reviewers leading to payment risks, and low effectiveness in controlling fund risks as the decision to stop or continue payments rests solely with the reviewers. Summary of the Invention

[0004] This application provides a data processing method, apparatus, device, and computer storage medium that can solve the problem that in the prior art, the decision to stop payment and continue expenditure of fund transactions is made solely by reviewers, resulting in low effectiveness of fund risk control.

[0005] In a first aspect, embodiments of this application provide a data processing method, the method comprising:

[0006] Obtain payment request information;

[0007] Based on the information in the payment application, target regulatory information for the payment application is generated according to preset regulatory rules.

[0008] The target monitoring information is sent to a third-party device so that the third-party device can receive instruction information input by the user based on the target monitoring information;

[0009] Receive the instruction information sent by the third-party device;

[0010] The payment request is processed according to the indicated information.

[0011] In one implementation, when there are multiple pieces of information in the payment application, the information includes the payment time; the step of generating target regulatory information for the payment application based on preset regulatory rules, according to the information in the payment application, includes:

[0012] Based on the information in the payment application, first regulatory information for the payment application is generated according to preset regulatory rules;

[0013] Display information about multiple payment applications and the first regulatory information;

[0014] Receive a first input for selecting information from multiple first payment applications among the information of multiple payment applications;

[0015] In response to the first input, information on the target payment application whose payment time is within a preset time range is determined from the plurality of first payment application information;

[0016] The target regulatory information corresponding to the information of the target payment application is determined.

[0017] In one implementation, the indication information includes payment indication information and verification information; processing the payment application according to the indication information includes:

[0018] Displays the preset verification area for the payment application;

[0019] Receive a second input, in which the verification information is entered in the preset verification area;

[0020] In response to the second input, the payment request is processed according to the payment instruction information.

[0021] In one implementation, the indication information includes stop payment indication information, and processing the payment application according to the indication information includes:

[0022] The payment application is stopped according to the stop payment instruction information.

[0023] In one implementation, the preset verification area includes verification count information; the step of responding to the second input and making payment for the payment request according to the payment instruction information includes:

[0024] If the number of verification attempts does not exceed the preset number of verification attempts, in response to the second input, the payment application is processed according to the payment instruction information.

[0025] In one implementation, the preset verification area includes a valid time; the step of responding to the second input and making payment for the payment application according to the payment instruction information when the verification count information has not exceeded the preset verification count includes:

[0026] If the number of verification attempts does not exceed the preset number of verification attempts, and the verification information is entered within the valid time, the payment application is processed in response to the second input, based on the payment instruction information.

[0027] In one implementation, the preset regulatory rules include warning types, and the target regulatory information includes warning status, regulatory model hit bitmap, and warning description information. The regulatory model hit bitmap represents the warning type triggered by the information of the payment application.

[0028] Secondly, embodiments of this application provide a data processing apparatus, which includes:

[0029] The acquisition module is used to obtain information about payment applications;

[0030] The generation module is used to generate target regulatory information for the payment application based on the information in the payment application and according to preset regulatory rules.

[0031] The sending module is used to send the target monitoring information to a third-party device so that the third-party device can receive instruction information input by the user based on the target monitoring information;

[0032] A receiving module is used to receive the indication information sent by the third-party device;

[0033] The processing module is used to process the payment application according to the instruction information.

[0034] In one embodiment, when there are multiple pieces of information in the payment request, the information in the payment request includes the payment time; the data processing method further includes a display module, a response module, and a determination module;

[0035] The generation module is further configured to generate first regulatory information of the payment application based on the information of the payment application and a preset regulatory rule;

[0036] The display module is used to display information about multiple payment applications and the first regulatory information;

[0037] The receiving module is further configured to receive a first input for selecting information from multiple first payment applications among the information of multiple payment applications;

[0038] The response module is used to respond to the first input and determine the information of the target payment application whose payment time is within a preset time range among the plurality of first payment application information;

[0039] The determining module is used to determine the target regulatory information corresponding to the information of the target payment application.

[0040] In one embodiment, the display module is further configured to display a preset verification area for the payment application;

[0041] The receiving module is also configured to receive a second input, which is the verification information entered in the preset verification area;

[0042] The response module is also configured to respond to the second input and make payment for the payment application according to the payment instruction information.

[0043] In one embodiment, the indication information includes stop payment indication information; the data processing device further includes a stop payment module;

[0044] The payment stop module is used to stop the payment application according to the payment stop instruction information.

[0045] In one implementation, the preset verification area includes verification count information;

[0046] The response module is further configured to, in response to the second input, make payment for the payment application according to the payment instruction information if the verification count information does not exceed the preset verification count.

[0047] In one implementation, the preset verification area includes a valid time period;

[0048] The response module is further configured to, in response to the second input, make payment for the payment application according to the payment instruction information when the verification count information does not exceed the preset verification count and the verification information is entered within the valid time.

[0049] In one implementation, the preset regulatory rules include warning types, and the target regulatory information includes warning status, regulatory model hit bitmap, and warning description information. The regulatory model hit bitmap represents the warning type triggered by the information of the payment application.

[0050] Thirdly, embodiments of this application provide an electronic device, which includes: a processor and a memory storing computer program instructions;

[0051] When the processor executes computer program instructions, it implements the data processing method as described in any embodiment of the first aspect.

[0052] Fourthly, embodiments of this application provide a computer storage medium storing computer program instructions, which, when executed by a processor, implement the data processing method as described in any embodiment of the first aspect.

[0053] Fifthly, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, cause the electronic device to perform the data processing method as described in any embodiment of the first aspect.

[0054] The data processing method, apparatus, device, and computer storage medium of this application embodiment acquire payment application information and generate target regulatory information for the payment application based on preset regulatory rules. This target regulatory information is then sent to a third-party device, allowing the third-party device to receive instructions input by the user based on the target regulatory information. The system then receives the instructions from the third-party device and processes the payment application accordingly. This adds preset regulatory rules for monitoring on top of existing fund transaction document review, and processes payment transactions based on the decisions of third-party devices, avoiding the risk of inadequate review by review personnel and improving the effectiveness of fund risk control. Attached Figure Description

[0055] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0056] Figure 1 This is a schematic flowchart of a data processing method provided in one embodiment of this application;

[0057] Figure 2 This is a schematic diagram of the structure of a data processing apparatus provided in one embodiment of this application;

[0058] Figure 3 This is a schematic diagram of the structure of an electronic device provided in one embodiment of this application. Detailed Implementation

[0059] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0060] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0061] The acquisition, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0062] As described in the background section, in existing technologies, the decision to stop or continue payments for fund transactions rests solely with reviewers, resulting in low effectiveness of fund risk control. To address this issue, this application provides a data processing method, apparatus, device, and computer storage medium. This data processing method acquires payment application information and generates target regulatory information based on preset regulatory rules. This target regulatory information is then sent to a third-party device, allowing the device to receive instructions from the user based on this information. The method then receives these instructions and processes the payment application accordingly. This adds preset regulatory rules for monitoring and processing payment transactions based on the decisions of third-party devices, building upon existing fund transaction document review processes. This avoids the risk of inadequate review by reviewers and improves the effectiveness of fund risk control. The data processing method provided in this application is described below.

[0063] Figure 1 A flowchart illustrating a data processing method provided in one embodiment of this application is shown.

[0064] like Figure 1 As shown, this data processing method may specifically include the following steps:

[0065] S110, obtain payment application information.

[0066] A payment application can be an application generated during a fund transaction, and the information in a payment application can be, for example, the application form information for fund payment.

[0067] S120, Based on the information in the payment application, generate target regulatory information for the payment application information according to preset regulatory rules.

[0068] Pre-set regulatory rules can be rules that users pre-configure according to actual needs, and can be used to supervise and inspect the information in payment applications. These pre-set regulatory rules can be embedded in the regulatory model, and the specific method of supervision can be to use the regulatory model to supervise the information in payment applications, thereby generating target regulatory information for the payment applications.

[0069] In one example, after a payment application is submitted, the regulatory model is processed asynchronously based on the information in the payment application. The model checks and updates the preset regulatory rule table and the document creation table of the payment application, and generates the regulatory information for the payment application based on the preset regulatory rules in the regulatory model.

[0070] In some embodiments, the preset regulatory rules include warning types, and the target regulatory information includes warning status, regulatory model hit bitmap, and warning description information. The regulatory model hit bitmap represents the warning type triggered by the payment application information.

[0071] Preset regulatory rules can include alert types, which are pre-defined types that will trigger alerts when regulatory actions are taken, such as external investigations, blacklists, and public-to-private transfers. Target regulatory information can include alert status, regulatory model hit map, and alert description information. The alert status indicates whether an alert has been triggered, the regulatory model hit map indicates the type of alert triggered by the payment application information, and the alert description information can be generated based on a preset template.

[0072] In one example, after a payment application is submitted, regulatory information for the payment application is generated based on the information in the payment application and the preset regulatory rules in the regulatory model. The regulatory information includes the warning status as "warning triggered", the type of the triggered warning as "the payment account is an account on the blacklist", and other specific warning descriptions.

[0073] In this embodiment, the preset regulatory rules include warning types, and the target regulatory information includes warning status, regulatory model hit bitmap, and warning description information. The regulatory model hit bitmap represents the warning type triggered by the payment application information. In this way, the warning status and type triggered by the payment application information can be displayed intuitively, improving the user experience.

[0074] S130, Send target monitoring information to a third-party device so that the third-party device can receive instruction information input by the user based on the target monitoring information.

[0075] A third-party device can be an electronic device capable of making payment decisions based on information from a payment request, such as a mobile phone, tablet, or computer belonging to a superior or customer. After receiving the target regulatory information, the user inputs instructions into the third-party device based on that information. The third-party device then receives these instructions, which can be either payment instructions or stop payment instructions related to the payment request.

[0076] S140 receives instruction information sent by a third-party device.

[0077] The instruction information can be a payment instruction for a payment application, i.e., to approve the payment application, or a stop payment instruction for a payment application, i.e., to disapprove the payment application.

[0078] S150, process payment requests according to instructions.

[0079] The specific methods for processing payment requests can be either to make the payment or to stop the payment.

[0080] In this embodiment, payment application information is acquired, and target regulatory information for the payment application is generated based on preset regulatory rules. This target regulatory information is then sent to a third-party device, which receives instructions from the user based on this information. The user then receives these instructions and processes the payment application accordingly. This approach adds preset regulatory rules for monitoring existing fund transaction document review processes and processes payment transactions based on the decisions of third-party devices, avoiding the risk of inadequate review by personnel and improving the effectiveness of fund risk control.

[0081] In some embodiments, when there are multiple pieces of information in a payment application, the information in the payment application includes the payment time; S120: Based on the information in the payment application, generate target regulatory information for the payment application information according to preset regulatory rules, which may specifically include:

[0082] Based on the information in the payment application, the first regulatory information for the payment application is generated according to preset regulatory rules;

[0083] Displays information on multiple payment applications and primary regulatory information;

[0084] Receive the first input for selecting information from multiple first payment applications among multiple payment applications;

[0085] In response to the first input, determine the information of the target payment application whose payment time is within a preset time range from multiple first payment application information;

[0086] Determine the target regulatory information corresponding to the information in the target payment application.

[0087] The first regulatory information can be generated by monitoring multiple payment applications when there are multiple payment application details. The information from multiple payment applications and the first regulatory information can be displayed on a preset selection interface. This interface receives a first input from the user, allowing them to select information from multiple first payment applications. This first input can be a user selection of information from multiple first payment applications, such as clicking or checking a box. The information from any payment application selected by the user can be from any payment application. In response to this first input, the system identifies the target payment application whose payment time falls within a preset time range, and then determines the target regulatory information corresponding to that target payment application. The preset time range can be a time range pre-set by the user.

[0088] In this embodiment, first regulatory information for the payment application is generated based on preset regulatory rules according to the information of the payment application. Multiple payment application information and the first regulatory information are displayed. A first input is received regarding the selection of information from multiple first payment applications among the multiple payment application information. In response to the first input, the information of a target payment application whose payment time falls within a preset time range is determined, and then the target regulatory information corresponding to the information of the target payment application is determined. This allows for the checking and filtering of the payment time of the application information and avoids interference from processed payment applications.

[0089] In some embodiments, the instruction information includes payment instruction information and verification information; S150: Process the payment request according to the instruction information, which may specifically include:

[0090] Displays the preset verification area for payment requests;

[0091] Receive a second input from the preset verification area containing verification information;

[0092] In response to the second input, the payment request is processed according to the payment instruction information.

[0093] The instruction information may include payment instruction information and verification information. Payment instruction information may be an instruction to pay the payment request, while verification information may be information that uniquely identifies the payment request and enables the payment operation, such as an SMS verification code or email verification code. Verification information is sent simultaneously with the target regulatory information to the third-party device, allowing the controlled object of the third-party device to determine whether to input the payment instruction information and verification information based on the target regulatory information. The preset verification area may be a user-defined area for inputting verification information, such as a verification code input field in an SMS message. A second input, where verification information is entered in the preset verification area, is received, and in response to the second input, the payment request is processed according to the payment instruction information.

[0094] In one example, for a payment request that triggers an alert for the first time, a verification code is sent to the designated email address of a superior or designated personnel. The final reviewer explains the document details to the superior email recipient and requests the verification code. If the superior email recipient agrees, the verification code is provided; otherwise, the verification code is not provided, and the reviewer is instructed to reject the document. The reviewer enters the verification code provided by the superior and selects "approved," or submits the document without entering the verification code and selects "disapproved." If the superior provides the verification code, a preset verification area for the payment request is displayed. The reviewer enters the verification information in the preset verification area to process the payment request.

[0095] In this embodiment, a preset verification area for a payment application is displayed. A second input, in which verification information is entered into the preset verification area, is received. In response to the second input, payment is made according to payment instruction information. This allows payment applications to be made using both payment instruction information and verification information. Upon successful review, the payment application can be approved, thus improving the security of the payment operation.

[0096] In some embodiments, the instruction information includes stop payment instruction information. S150: Process the payment application according to the instruction information, which may specifically include:

[0097] The payment application was stopped according to the stop payment instruction information.

[0098] The instruction information may include stop payment instruction information, wherein the stop payment instruction information may be instruction information representing the stop payment of a payment application, and the payment application is stopped according to the stop payment instruction information.

[0099] In one example, for a payment request that triggered an alert, the final reviewer explained the situation to the superior email recipient and requested a verification code. The superior email recipient refused to provide the verification code and instructed the reviewer to reject the document. Following the superior's instruction to stop payment, the reviewer did not enter the verification code and selected "not approved" to submit the document, thus stopping the payment request.

[0100] In this embodiment, payment applications are stopped based on stop payment instructions, allowing for the option to reject payment applications if the review fails, thus further improving the security of payment operations.

[0101] In some embodiments, the preset verification area includes verification count information; in response to the second input, payment is made according to the payment instruction information, which may specifically include:

[0102] If the number of verification attempts does not exceed the preset number of verification attempts, the payment application is processed in response to the second input and payment instructions are provided.

[0103] The number of verification attempts can be the number of times the verification information has been entered, while the preset number of verification attempts can be the number of times that the user sets in advance according to actual needs.

[0104] In one example, for a payment application that triggers an alert, the final reviewer obtains the verification code from the superior's email recipient, enters the verification code according to the superior's payment instructions, and selects to submit the document. There is a limit to the number of times the verification code can be entered; if the number of entries is exceeded, the payment application will be automatically stopped.

[0105] In this embodiment, by responding to the second input and making payment according to the payment instruction information when the number of verification attempts does not exceed the preset number of verification attempts, the number of times verification information is input can be controlled, thereby improving the security of payment operations.

[0106] In some embodiments, the preset verification area includes a validity period; if the verification count information does not exceed the preset verification count, in response to the second input, the payment application is processed according to the payment instruction information, which may specifically include:

[0107] If the number of verification attempts does not exceed the preset number of verification attempts and the verification information is entered within the valid time, the payment application will be processed in response to the second input and payment instructions will be made according to the payment instructions.

[0108] The valid time period can be a pre-set time period for valid input verification information, such as one minute.

[0109] In this embodiment of the application, by inputting verification information within the valid time and without exceeding the preset number of verification attempts, and responding to the second input, the payment application is processed according to the payment instruction information. This allows for control over the time of inputting verification information, thereby improving the security and efficiency of processing payment applications.

[0110] Figure 2 This is a schematic diagram of the structure of a data processing apparatus 200 according to an exemplary embodiment.

[0111] like Figure 2 As shown, the data processing device 200 may include:

[0112] Module 201 is used to obtain information about the payment application;

[0113] The generation module 202 is used to generate target regulatory information for the payment application based on preset regulatory rules and the information in the payment application.

[0114] The sending module 203 is used to send target monitoring information to a third-party device so that the third-party device can receive instruction information input by the user based on the target monitoring information;

[0115] The receiving module 204 is used to receive indication information sent by a third-party device;

[0116] Processing module 205 is used to process payment applications according to instruction information.

[0117] In one implementation, when there are multiple pieces of information in a payment request, the information in the payment request includes the payment time; the data processing method may also include a display module, a response module, and a determination module.

[0118] The generation module 202 is also used to generate first regulatory information of the payment application based on the information of the payment application and preset regulatory rules;

[0119] The display module is used to display information from multiple payment applications and primary regulatory information;

[0120] The receiving module 204 is also configured to receive a first input for selecting information from multiple first payment applications among the information of multiple payment applications;

[0121] The response module is used to respond to the first input and determine the information of the target payment application whose payment time is within a preset time range among multiple first payment application information;

[0122] The determination module is used to determine the target regulatory information corresponding to the information in the target payment application.

[0123] In one implementation, the display module is further configured to display a preset verification area for the payment application;

[0124] The receiving module 204 is also used to receive a second input in the preset verification area, where verification information is entered.

[0125] The response module is also used to respond to the second input and make payment for the payment request based on the payment instruction information.

[0126] In one embodiment, the instruction information includes stop payment instruction information; the data processing device 200 may further include a stop payment module;

[0127] The payment stop module is used to stop payment applications based on payment stop instruction information.

[0128] In one implementation, the preset verification area includes verification count information;

[0129] The response module is also used to respond to the second input and make payment according to the payment instruction information if the number of verifications does not exceed the preset number of verifications.

[0130] In one implementation, the preset verification area includes a valid time period;

[0131] The response module is also used to respond to the second input and make payment according to the payment instruction information if the number of verifications does not exceed the preset number of verifications and the verification information is entered within the valid time.

[0132] In one implementation, the preset regulatory rules include warning types, and the target regulatory information includes warning status, regulatory model hit bitmap, and warning description information. The regulatory model hit bitmap represents the warning type triggered by the payment application information.

[0133] In this embodiment, payment application information is acquired, and target regulatory information for the payment application is generated based on preset regulatory rules. This target regulatory information is then sent to a third-party device, which receives instructions from the user based on this information. The user then receives these instructions and processes the payment application accordingly. This approach adds preset regulatory rules for monitoring existing fund transaction document review processes and processes payment transactions based on the decisions of third-party devices, avoiding the risk of inadequate review by personnel and improving the effectiveness of fund risk control.

[0134] Figure 3 A schematic diagram of the hardware structure of the electronic device provided in an embodiment of this application is shown.

[0135] An electronic device may include a processor 301 and a memory 302 storing computer program instructions.

[0136] Specifically, the processor 301 may include a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of this application.

[0137] Memory 302 may include mass storage for data or instructions. For example, and not limitingly, memory 302 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 302 may include removable or non-removable (or fixed) media. Where appropriate, memory 302 may be internal or external to the integrated gateway disaster recovery device. In a particular embodiment, memory 302 is non-volatile solid-state memory.

[0138] Memory may include read-only memory (ROM), random access memory (RAM), disk storage media devices, optical storage media devices, flash memory devices, and electrical, optical, or other physical / tangible memory storage devices. Therefore, typically, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the methods according to one aspect of this disclosure.

[0139] The processor 301 implements any of the data processing methods described in the above embodiments by reading and executing computer program instructions stored in the memory 302.

[0140] In one example, the electronic device may also include a communication interface 303 and a bus 310. For example, Figure 3 As shown, the processor 301, memory 302, and communication interface 303 are connected through bus 310 and complete communication with each other.

[0141] The communication interface 303 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of this application.

[0142] Bus 310 includes hardware, software, or both, that couples components of a data processing device together. For example, and not limitingly, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 310 may include one or more buses. Although specific buses are described and illustrated in embodiments of this application, any suitable bus or interconnect is contemplated herein.

[0143] The electronic device can execute the data processing method in this application embodiment based on the information of the payment application and the target regulatory information that generates the payment application information based on preset regulatory rules, thereby achieving a combination of... Figure 1 Describe the data processing methods.

[0144] Furthermore, in conjunction with the data processing methods in the above embodiments, this application embodiment can provide a computer storage medium for implementation. The computer storage medium stores computer program instructions; when these computer program instructions are executed by a processor, they implement any of the data processing methods in the above embodiments.

[0145] It should be clarified that this application is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of this application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application.

[0146] The functional blocks shown in the above-described structural diagram can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this application are programs or code segments used to perform the required tasks. Programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried on a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0147] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0148] Aspects of the present disclosure have been described above with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present disclosure. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the implementation of the function / action specified in one or more boxes of the flowchart and / or block diagram. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit. It is also understood that each box in the block diagram and / or flowchart and the combination of the boxes in the block diagram and / or flowchart can also be implemented by dedicated hardware that performs the specified function or action, or can be implemented by a combination of dedicated hardware and computer instructions.

[0149] The above description is only a specific embodiment of the present application. Those skilled in the art will clearly understand that for the convenience and brevity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the scope of protection of the present application is not limited thereto. Any person skilled in the art can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the scope of protection of the present application.

Claims

1. A data processing method, characterized in that, include: Obtain payment request information; Based on the information in the payment application, target regulatory information for the payment application is generated according to preset regulatory rules. The target monitoring information is sent to a third-party device so that the third-party device can receive instruction information input by the user based on the target monitoring information; The third-party device is an electronic device capable of making payment decisions based on information from a payment request; Receive the instruction information sent by the third-party device; Process the payment request according to the instruction information; When there are multiple pieces of information in the payment application, the payment application information includes the payment time; the target regulatory information for generating the payment application information based on the payment application information and preset regulatory rules includes: Based on the information in the payment application, first regulatory information for the payment application is generated according to preset regulatory rules; Display information about multiple payment applications and the first regulatory information; Receive a first input for selecting information from multiple first payment applications among the information of multiple payment applications; In response to the first input, information on the target payment application whose payment time is within a preset time range is determined from the plurality of first payment application information; The target regulatory information corresponding to the information of the target payment application is determined.

2. The method according to claim 1, characterized in that, The instruction information includes payment instruction information and verification information; processing the payment application according to the instruction information includes: Displays the preset verification area for the payment application; Receive a second input, in which the verification information is entered in the preset verification area; In response to the second input, the payment request is processed according to the payment instruction information.

3. The method according to claim 1, characterized in that, The instruction information includes a stop payment instruction, and processing the payment application according to the instruction information includes: The payment application is stopped according to the stop payment instruction information.

4. The method according to claim 2, characterized in that, The preset verification area includes verification count information; the step of responding to the second input and making payment for the payment request according to the payment instruction information includes: If the number of verification attempts does not exceed the preset number of verification attempts, in response to the second input, the payment application is processed according to the payment instruction information.

5. The method according to claim 4, characterized in that, The preset verification area includes a valid time; the step of responding to the second input and making payment for the payment application according to the payment instruction information when the verification count information has not exceeded the preset verification count includes: If the number of verification attempts does not exceed the preset number of verification attempts, and the verification information is entered within the valid time, the payment application is processed in response to the second input, based on the payment instruction information.

6. The method according to claim 1, characterized in that, The preset regulatory rules include warning types, and the target regulatory information includes warning status, regulatory model hit bitmap, and warning description information. The regulatory model hit bitmap represents the warning type triggered by the information of the payment application.

7. A data processing apparatus, characterized in that, The device includes: The acquisition module is used to obtain information about payment applications; The generation module is used to generate target regulatory information for the payment application based on the information in the payment application and according to preset regulatory rules. A sending module is used to send the target regulatory information to a third-party device, so that the third-party device can receive instruction information input by the user based on the target regulatory information; the third-party device is an electronic device capable of making payment decisions based on the information of a payment application. A receiving module is used to receive the indication information sent by the third-party device; The processing module is used to process the payment application according to the instruction information; When there are multiple pieces of information in the payment request, the information includes the payment time; the data processing device includes a display module, a response module, and a determination module. The generation module is also used to generate first regulatory information of the payment application based on the information of the payment application and according to preset regulatory rules; A display module is used to display information about multiple payment applications and the first regulatory information; The receiving module is also configured to receive a first input for selecting information from multiple first payment applications among the information of the multiple payment applications; The response module is used to respond to the first input and determine the information of the target payment application whose payment time is within a preset time range among the plurality of first payment application information; The determination module is used to determine the target regulatory information corresponding to the information of the target payment application.

8. An electronic device, characterized in that, The device includes: a processor and a memory storing computer program instructions; the processor reads and executes the computer program instructions to implement the data processing method as described in any one of claims 1-6.

9. A computer storage medium, characterized in that, The computer storage medium stores computer program instructions, which, when executed by a processor, implement the data processing method as described in any one of claims 1-6.

10. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device performs the data processing method as described in any one of claims 1-6.

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