Method and apparatus for processing data

Abstract

The present disclosure discloses a method and device for processing data. The method comprises: obtaining business information of an acquirer, the business information comprising a name of the acquirer, a country of business development of the acquirer, a name of a merchant of the acquirer and a registration country of the merchant; generating a first data table corresponding to the acquirer according to the business information, the first data table comprising fields corresponding to the name of the acquirer, the country of business development of the acquirer, the name of the merchant of the acquirer and the registration country of the merchant respectively; and querying the first data table by using a database query language to determine whether the registration country of the merchant of the acquirer belongs to the country of business development of the acquirer.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the technical field of data processing, in particular to a method and device for processing data. BACKGROUND

[0002] In the current internationalization scenario, cross-border transaction demand is gradually booming. To complete a cross-border transaction, the card-issuing institution, clearing institution and acquirer must be associated. However, there are corresponding regulations and regulatory requirements for the specific countries or regions in which the acquirer can carry out business, so it is necessary to monitor or warn whether the acquirer's business is compliant. SUMMARY

[0003] Therefore, the present disclosure provides a method and device for processing data to identify whether the acquirer's business is compliant.

[0004] In a first aspect, a method for processing data is provided, comprising: obtaining operating information of an acquirer, the operating information comprising a name of the acquirer, a business country of the acquirer, a name of a special merchant of the acquirer and a registration country of the special merchant; generating a first data table corresponding to the acquirer according to the operating information, the first data table comprising fields corresponding to the name of the acquirer, the business country of the acquirer, the name of the special merchant of the acquirer and the registration country of the special merchant, respectively; and querying the first data table by using a database query language to determine whether the registration country of the special merchant of the acquirer belongs to the business country of the acquirer.

[0005] Optionally, the generating the first data table corresponding to the acquirer according to the operating information comprises: generating a second data table according to the name of the acquirer and the business country of the acquirer in the operating information, the second data table comprising fields corresponding to the name of the acquirer and the business country of the acquirer, respectively; generating a third data table according to the name of the acquirer, the name of the special merchant of the acquirer and the registration country of the special merchant in the operating information, the third data table comprising fields corresponding to the name of the acquirer, the name of the special merchant of the acquirer and the registration country of the special merchant, respectively; and associating the second data table and the third data table by taking the name of the acquirer as a primary key to obtain the first data table.

[0006] Optionally, before the generating the first data table corresponding to the acquirer according to the operating information, the method further comprises: converting a country name of the business country of the acquirer and / or a country name of the registration country of the special country into a country name code.

[0007] Optionally, the converting the country name of the acquirer's business country and / or the country name of the registered country of the merchant into a country name code comprises: converting a country name in abbreviation in the country name of the acquirer's business country into a full name of the country name, and associating the full name of the country name of the acquirer's business country with a global country name code standard library to obtain the country name code of the acquirer's business country; and / or converting a country name in abbreviation in the country name of the registered country of the merchant into a full name of the country name, and associating the country name of the registered country of the merchant with the global country name code standard library to obtain the country name code of the registered country of the merchant.

[0008] Optionally, the method further comprises: outputting a compliance check result of the acquirer, the compliance check result being used to indicate at least one of the following information: the acquirer's business scope meets the requirements, the acquirer's business scope does not meet the requirements, and it is unable to determine whether the acquirer's business scope meets the requirements.

[0009] In a second aspect, a device for processing data is provided, comprising: an acquisition module configured to acquire business information of an acquirer, the business information comprising a name of the acquirer, a business country of the acquirer, a name of a merchant of the acquirer, and a registered country of the merchant; a generation module configured to generate a first data table corresponding to the acquirer according to the business information, the first data table comprising fields corresponding to the name of the acquirer, the business country of the acquirer, the name of the merchant of the acquirer, and the registered country of the merchant, respectively; and a query module configured to query the first data table by using a database query language to determine whether the registered country of the merchant of the acquirer belongs to the business country of the acquirer.

[0010] Optionally, the generation module is configured to generate a second data table according to the name of the acquirer and the business country of the acquirer in the business information, the second data table comprising fields corresponding to the name of the acquirer and the business country of the acquirer, respectively; generate a third data table according to the name of the acquirer, the name of the merchant of the acquirer, and the registered country of the merchant in the business information, the third data table comprising fields corresponding to the name of the acquirer, the name of the merchant of the acquirer, and the registered country of the merchant, respectively; and associate the second data table and the third data table with the name of the acquirer as a primary key to obtain the first data table.

[0011] Optionally, the apparatus further comprises a conversion module configured to convert the country name of the business country of the acquirer and / or the country name of the registered country of the merchant into a country name code before generating the first data table corresponding to the acquirer according to the business information.

[0012] Optionally, the conversion module is configured to convert the country name of the business country of the acquirer, which is represented by an abbreviation, into a full name of the country name, and associate the full name of the country name of the business country of the acquirer with a global country name code standard library to obtain the country name code of the business country of the acquirer; and / or convert the country name of the registered country of the merchant, which is represented by an abbreviation, into a full name of the country name, and associate the country name of the registered country of the merchant with the global country name code standard library to obtain the country name code of the registered country of the merchant.

[0013] Optionally, the apparatus further comprises an output module configured to output the compliance inspection result of the acquirer, the compliance inspection result being configured to indicate at least one of the following information: the business scope of the acquirer meets the requirements, the business scope of the acquirer does not meet the requirements, and it is unable to determine whether the business scope of the acquirer meets the requirements.

[0014] In a third aspect, provided is an apparatus for processing data, comprising a memory and a processor, the memory storing executable code, and the processor being configured to execute the executable code to implement the method according to the first aspect.

[0015] In a fourth aspect, provided is a computer-readable storage medium storing executable code, when the executable code is executed, the method according to the first aspect or the second aspect can be implemented.

[0016] In a fifth aspect, provided is a computer program product comprising executable code, when the executable code is executed, the method according to the first aspect can be implemented.

[0017] The embodiments of the present disclosure utilize the business information of the acquirer to generate a data table containing the business country of the acquirer and the registered country of the merchant of the acquirer, and utilize the database query language to query the data table, so that the compliance of the business of the acquirer can be intelligently and automatically identified. BRIEF DESCRIPTION OF DRAWINGS

[0018] Figure 1 Fig. 1 shows a flowchart of a data processing method according to an embodiment of the present disclosure.

[0019] Figure 2 Fig. 2 shows a flowchart of a data processing method according to another embodiment of the present disclosure. Figure 1A flowchart of an implementation manner of step S130 is shown.

[0020] Figure 3 A third data representation diagram provided by an embodiment of the present disclosure is shown.

[0021] Figure 4 A flowchart of a data processing method provided by another embodiment of the present disclosure is shown.

[0022] Figure 5 A schematic diagram for explaining the standardization processing of a country name provided by an embodiment of the present disclosure is shown.

[0023] Figure 6 A flowchart of a data processing method provided by yet another embodiment of the present disclosure is shown.

[0024] Figure 7 A flowchart of a data processing method provided by a preferred embodiment of the present disclosure is shown.

[0025] Figure 8 A structural schematic diagram of a data processing apparatus provided by an embodiment of the present disclosure is shown.

[0026] Figure 9 A structural schematic diagram of a data processing apparatus provided by another embodiment of the present disclosure is shown. DETAILED DESCRIPTION

[0027] The technical solutions in the embodiments of the present disclosure will be described clearly and completely below with reference to the drawings in the embodiments of the present disclosure. Obviously, the described embodiments are only a part of the embodiments of the present disclosure, rather than all the embodiments of the present disclosure.

[0028] In the current internationalization scenario, cross-border transaction demand is gradually booming. For example, domestic consumers often shop on overseas shopping websites, pay in RMB with domestic payment methods (such as mobile wallet payment, online banking payment), and settle in foreign currency to overseas merchants. For another example, overseas consumers often shop on domestic websites, pay in foreign currency with overseas payment methods (such as PayPal), and settle in RMB to domestic merchants. No matter which cross-border transaction needs to be completed, the card issuing institution, clearing institution and acquirer institution must be associated. Among them, the card issuing institution is an institution that issues various bank cards to cardholders. The clearing institution is a network bridge between the card issuing institution and the acquirer institution, responsible for the sending and receiving of payment instructions between the card issuing institution and the acquirer institution, transaction reconciliation, fund clearing, etc., such as UnionPay International, a bank card organization. Taking UnionPay International as an example, domestic card issuing institutions and overseas acquirer institutions realize cross-border fund clearing through UnionPay International. The acquirer institution is responsible for the development and management of special merchants, authorization requests, bill settlement and other activities. By signing an agreement with merchants or providing services to cardholders, it directly or indirectly provides financial settlement services for merchants or cardholders based on transaction documents (including electronic documents or paper documents). Most card-issuing banks also operate acquirer business, and some third-party payment companies operated by non-financial institutions also operate acquirer business, such as Alipay wallet.

[0029] Taking overseas online acquirer of non-financial institutions as an example, non-financial institutions collect foreign exchange payments from domestic individuals to overseas websites. The basic process of the business is that after a domestic individual purchases goods on an overseas website according to the displayed foreign currency quotation, the individual pays the corresponding RMB amount to the non-financial institution, and then the non-financial institution's domestic cooperative bank purchases foreign exchange in batches and enters the foreign exchange bureau's personal settlement and exchange management system. After receiving the payment success information from the non-financial institution, the overseas merchant sends the goods to the domestic resident by mail. After receiving the goods, the domestic resident sends a clearing instruction to the non-financial institution. According to the settlement agreement with the overseas merchant, the non-financial institution settles the foreign exchange payment to the overseas merchant bank account through the domestic cooperative bank, and completes the cross-border settlement.

[0030] Generally, an acquirer provides an acquirer service by providing a payment terminal such as a POS machine or a self-service terminal for a merchant, and its profit mainly comes from a merchant rebate, other service fees (such as POS terminal rental fees, monthly fees, etc.) paid by the merchant, and an increase in the merchant deposit. Therefore, each acquirer will develop business in different countries or regions. However, the acquirer must obtain relevant qualifications such as a bank card acquirer service license or a network payment service license to develop an acquirer service. For example, a cross-border card online acquirer service, a payment enterprise with qualifications such as Visa acquirer service provider, MasterCard payment service provider, American Express merchant integrator, etc. can provide cross-border acquirer services for cross-border merchants. In addition, the acquirer can also have corresponding regulations and regulatory requirements for the specific countries or regions in which it can develop business.

[0031] Therefore, it is necessary to monitor or warn whether the acquirer is in compliance with cross-regional development, that is, whether the acquirer develops an acquirer service outside the specified scope of business. The acquirer that develops a business beyond the scope needs to be rectified accordingly to meet the compliance requirements.

[0032] Generally, before developing an acquirer service, the acquirer will provide basic business information, including the acquirer name, license, address, development countries, and legal person, etc. At the same time, there will also be information about the merchant who needs to develop a business with the acquirer. When the merchant needs to develop a cross-border business, it needs to report its own basic information to the acquirer, including the merchant name, address, registered country, registration number, legal person, etc. The acquirer ensures the authenticity and legality of the merchant through the merchant's reported information. Therefore, the acquirer's cross-regional development can be judged by analyzing the information of the acquirer's special merchant.

[0033] Through analysis, it is found that the merchant registration country can directly reflect the acquirer development country or region. Therefore, whether the acquirer develops a business in a certain country or region in compliance with the regulations can be judged by comparing whether the acquirer's development country and the merchant's registration country are consistent. Considering that the acquirer's development country may be one or more, it can be determined whether the merchant's registration country belongs to the acquirer's development country.

[0034] At present, various acquirers have accumulated extensive merchant resources, and the acquirer network is very large. The information provided by various acquirers can be different, for example, some acquirers provide the basic business information of the acquirer and the reported information of the special merchant as data, some acquirers directly provide pictures, or part of the information is data and part of the information is pictures, etc. In addition, the data information provided by various acquirers is various in the expression method of information, for example, the same state name is expressed as full name or abbreviation, and the same state name is expressed as capital or lowercase. If the artificial checking method is directly used, undoubtedly, the problem of huge task quantity and high complexity will be faced.

[0035] To solve the above problems, the present disclosure provides a method for processing data, which can identify whether the acquirer's expansion is compliant through data analysis.

[0036] The following will be described in detail in combination with the accompanying drawings Figure 1 The method for processing data provided by the embodiment of the present disclosure will be described in detail.

[0037] In step S110, the business information of the acquirer is obtained. The business information (or basic business information) can include the name of the acquirer, the expansion country of the acquirer, the name of the special merchant of the acquirer and the registration country of the special merchant. In some embodiments, the business information can also include the license, address and legal person of the acquirer and other types of information.

[0038] In step S120, a first data table corresponding to the acquirer is generated according to the business information. The first data table can include fields corresponding to the name of the acquirer, the expansion country of the acquirer, the name of the special merchant of the acquirer and the registration country of the special merchant. In the above fields, the name of the acquirer can be used as the primary key of the first data table.

[0039] The above first data table can be directly generated by using the business information, or in some embodiments, a plurality of data tables can be generated first, and then the plurality of data tables are associated together to form the above first data table. The following will be described in combination with Figure 2 , a possible generation method of the first data table is given.

[0040] Referring to Figure 2 In step S121, a second data table is generated according to the name of the acquirer and the expansion country of the acquirer in the business information. The second data table can include fields corresponding to the name of the acquirer and the expansion country of the acquirer.

[0041] At step S122, a third data table is generated according to the acquirer name, the name of the acquirer's agent, and the registered country of the agent in the business information. The third data table can include fields corresponding to the acquirer name, the name of the acquirer's agent, and the registered country of the agent, respectively.

[0042] As an example, referring to Figure 3 The field corresponding to the acquirer name can be entered into the first column of the data table, and the field corresponding to the acquirer's agent country can be entered into the second column of the data table. The field corresponding to the acquirer name can be entered into the first column of the data table, the field corresponding to the agent name can be entered into the second column of the data table, and the field corresponding to the agent registered country can be entered into the third column of the data table.

[0043] It should be understood that the execution order of steps S121 and S122 is not specifically limited in the embodiments of the present disclosure, and they can be executed simultaneously or in a certain order. For example, step S121 can be executed earlier than step S122, or step S121 can be executed later than step S122.

[0044] Continuing to refer to Figure 2 At step S123, the second data table and the third data table are associated with the acquirer name as the primary key to obtain the first data table.

[0045] As an implementation manner, the second data table and the third data table are associated by using structured query language (SQL) to obtain a data table with four fields of acquirer name, agent country, merchant name, and merchant registered country.

[0046] At step S130, the first data table is queried by using a database query language to determine whether the registered country of the acquirer's agent belongs to the agent country of the acquirer.

[0047] As an implementation manner, the first data table is queried by using structured query language (SQL) to intelligently compare whether the registered country of the merchant under each acquirer belongs to the agent country of the acquirer.

[0048] It can be seen that, by using the operating information of the acquirer, the data table containing the business development countries of the acquirer and the registered countries of the merchants of the acquirer is generated, and the data table is queried by using the database query language, so that whether the acquirer develops business in compliance can be intelligently and automatically identified. Compared with the traditional manual identification of whether the business development is in compliance, the method has obvious advantages of high efficiency and accuracy. In addition, the method provided by the embodiment of the present disclosure can be used before the acquirer develops payment business, so as to achieve the effect of intelligent early identification and early warning of risks.

[0049] Considering that the acquirer information may not be in a unified format due to errors in manual operation during the input stage, multiple names of the same acquirer may be generated. In some embodiments, before step S120, the name of the acquirer can be cleaned, that is, the name of the acquirer is standardized. The standardization processing mode can be to convert the acquirer name entered in abbreviation to full name, or to convert the acquirer name entered in lowercase to uppercase, and the embodiment of the present disclosure does not make specific limitation on the standardization processing mode.

[0050] As an example, the name of the acquirer in the data table one is the Industrial and Commercial Bank of China, and the business development country is China; the name of the acquirer in the data table two is the Bank of China, the name of the merchant is Merchant A, and the registered country of the merchant is China. After the name of the acquirer in the data table two is standardized to the full name of the Industrial and Commercial Bank of China, the Industrial and Commercial Bank of China is used as the primary key for association.

[0051] The name of the country may also be inconsistent in standard and not unified in input format, for example, inconsistency between full name and abbreviation, inconsistency between uppercase and lowercase, etc. In order to facilitate data query, the name of the business development country and the name of the registered country of the merchant also need to be cleaned, that is, the name of the business development country and the name of the registered country of the merchant are standardized.

[0052] Optionally, as shown in Figure 4 Before step S120, the method further includes: step S115, converting the country name of the business development country of the acquirer and / or the country name of the registered country of the merchant into a country name code.

[0053] The country name code, also known as country name code, can be a two-digit code (such as CN, US), or a three-digit code (such as CHN, USA), and the embodiment of the present disclosure does not make specific limitation on this.

[0054] Optionally, the country name in abbreviation in the country name of the acquirer's business country is converted into the full name of the country name, and the full name of the country name of the acquirer's business country is associated with the global country name code standard library to obtain the country name code of the acquirer's business country; and / or, the country name in abbreviation in the country name of the registered country of the merchant is converted into the full name of the country name, and the full name of the country name of the registered country of the merchant is associated with the global country name code standard library to obtain the country name code of the registered country of the merchant.

[0055] The global country name code standard library (or global country standard list) is ISO-3166-1.

[0056] The full name of the country name of the acquirer's business country is associated with the global country name code standard library and / or the full name of the country name of the registered country of the merchant is associated with the global country name code standard library, that is, the full name of the country name is used as the primary key for association.

[0057] Figure 5 An example of cleaning the acquirer's business country and the registered country of the merchant to obtain a standard two-digit country name code is provided. Figure 5 (a) shows a data table of acquirer name and business country. Figure 5 (b) shows a data table of acquirer name, merchant name, and merchant registered country. After converting U.S. in the acquirer's business country to the full name United States, the ISO-3166-1 global country name code standard library is associated to find the two-digit country name code corresponding to United States, and the two-digit country name code of the acquirer's business country and the merchant's registered country is obtained. US. After converting the registered country of the merchant Aland of the acquirer two to the full name Aland Islands, the ISO-3166-1 global country name code standard library is associated to obtain the two-digit country name code of the acquirer two's business country and the merchant's registered country. AX.

[0058] The above standardization processing of the acquirer's institution name, business country, and registered country of the merchant can be realized by structured query language SQL, which is more efficient and accurate.

[0059] Considering the intuitive display of the results, as shown in Figure 6 The method for processing data provided by the embodiment of the disclosure further includes: step S140, outputting the compliance check result of the acquirer. The compliance check result is used to indicate at least one of the following information: the business scope of the acquirer meets the requirements, the business scope of the acquirer does not meet the requirements, and it is unable to determine whether the business scope of the acquirer meets the requirements.

[0060] As an implementation manner, different labels can be assigned to different compliance check results. As an example, if the registered country of the merchant of the acquirer is within the range of the acquirer's business countries, 0 is output, indicating that the business range of the merchant under the acquirer is in compliance, that is, the acquirer business is in compliance; if the registered country of the merchant of the acquirer is not within the range of the acquirer's business countries, 1 is output, indicating that the business range of the merchant under the acquirer is not in compliance, that is, the acquirer business is not in compliance; if the registered country information of the merchant of the acquirer is missing, it is not possible to determine whether the acquirer business is in compliance, and 2 is output.

[0061] Generally, after receiving the warning, the acquirer needs to investigate and rectify the non-compliant and undetermined merchants, otherwise it may affect the development of business. As an example, after statistics, 1 and 2 cases can be given a warning in the next natural day. The warning time is not limited in the embodiment of the disclosure.

[0062] Figure 7 A preferred example of the data processing method of the embodiment of the disclosure is provided. The name and business country of the acquirer are cleaned, and the global country standard name list is associated to obtain table structure one of the two-digit codes of the acquirer name and business country. The name of the acquirer, the name of the merchant and the registered country of the merchant are cleaned, and the global country standard list is associated to obtain table structure two of the two-digit codes of the acquirer name, the merchant name and the registered country of the merchant. The name of the acquirer is associated as a unique primary key to obtain a data table of the acquirer name, the business country two-digit code, the merchant name, and the merchant registered country two-digit code, and then the structured query language SQL is used to automatically match whether the merchant registered country two-digit code is in the combination of the acquirer business country two-digit code, and output the result.

[0063] The method embodiment of the disclosure is described in detail above Figures 1 to 7 The device embodiment of the disclosure is described in detail below. Figure 9 The device embodiment of the disclosure is described in detail below.

[0064] Figure 8 is a schematic structural diagram of a data processing device provided by an embodiment of the disclosure. The data processing device 800 can include an acquisition module 810, a generation module 820 and a query module 830. These modules are described in detail below.

[0065] The obtaining module 810 can be configured to obtain the business information of the acquirer. The business information can include the name of the acquirer, the countries in which the acquirer is operating, the names of the merchants of the acquirer, and the registered countries of the merchants.

[0066] The generating module 820 can be configured to generate a first data table corresponding to the acquirer according to the business information. The first data table can include fields corresponding to the name of the acquirer, the countries in which the acquirer is operating, the names of the merchants of the acquirer, and the registered countries of the merchants.

[0067] The querying module 830 can be configured to query the first data table by using a database query language to determine whether the registered countries of the merchants of the acquirer belong to the countries in which the acquirer is operating.

[0068] Optionally, the generating module 820 can be configured to generate a second data table according to the name of the acquirer and the countries in which the acquirer is operating in the business information, and generate a third data table according to the name of the acquirer, the names of the merchants of the acquirer, and the registered countries of the merchants in the business information, and associate the second data table and the third data table with the name of the acquirer as a primary key to obtain the first data table.

[0069] Optionally, the second data table can include fields corresponding to the name of the acquirer and the countries in which the acquirer is operating.

[0070] Optionally, the third data table can include fields corresponding to the name of the acquirer, the names of the merchants of the acquirer, and the registered countries of the merchants.

[0071] Optionally, the data processing apparatus 800 further includes a converting module 815 configured to, before generating the first data table corresponding to the acquirer according to the business information, convert the country names of the countries in which the acquirer is operating and / or the country names of the registered countries of the merchants into country name codes.

[0072] Optionally, the converting module 815 can be configured to convert the country names in abbreviations in the country names of the countries in which the acquirer is operating into full names of the country names, and associate the full names of the country names of the countries in which the acquirer is operating with a global country name code standard library to obtain country name codes of the countries in which the acquirer is operating, and / or convert the country names in abbreviations in the country names of the registered countries of the merchants into full names of the country names, and associate the country names of the registered countries of the merchants with the global country name code standard library to obtain country name codes of the registered countries of the merchants.

[0073] Optionally, the data processing apparatus 800 further comprises an output module 840, configured to output the compliance check result of the acquirer. The compliance check result is used to indicate at least one of the following information: the business scope of the acquirer meets the requirements, the business scope of the acquirer does not meet the requirements, and whether the business scope of the acquirer meets the requirements cannot be determined.

[0074] Figure 9 is a schematic structural diagram of a data processing apparatus provided by another embodiment of the present disclosure. The data processing apparatus 900 comprises a memory 910 and a processor 920. The memory 910 can store executable codes. The processor 920 can be configured to execute the executable codes described above to implement the steps in the various methods described above.

[0075] In the above embodiments, all or part of the embodiments can be implemented by software, hardware, firmware or any combination thereof. When implemented by software, all or part of the embodiments can be implemented in the form of a computer program product. The computer program product comprises one or more computer instructions. When the computer program instructions are loaded and executed on a computer, all or part of the processes or functions described in the embodiments of the present disclosure are generated. The computer can be a general-purpose computer, a special-purpose computer, a computer network or other programmable devices. The computer instructions can be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium, for example, the computer instructions can be transmitted from one website, computer, server or data center to another website, computer, server or data center through wired (such as coaxial cable, optical fiber, digital subscriber line (Digital Subscriber Line, DSL)) or wireless (such as infrared, wireless, microwave, etc.) mode. The computer readable storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server, data center, etc. integrated with one or more available media. The available media can be magnetic media (such as floppy disk, hard disk, magnetic tape), optical media (such as digital video disc (Digital Video Disc, DVD)) or semiconductor media (such as solid state disk (Solid State Disk, SSD)) and the like.

[0076] Those skilled in the art can realize that the units and algorithm steps of the examples described in combination with the embodiments of the present disclosure can be realized by electronic hardware or a combination of computer software and electronic hardware. Whether the functions are realized in hardware or software depends on the specific application and design constraints of the technical solutions. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of the present disclosure.

[0077] It should be understood that the terminal device in the embodiments of the present disclosure can also be referred to as a user equipment (UE), a mobile terminal (MT), a remote terminal, a mobile device, a user terminal, a terminal, or a user apparatus. The terminal device in the embodiments of the present disclosure can be a mobile phone, a tablet computer, a notebook computer, a palm computer, a wearable device, etc.

[0078] In several embodiments provided by the present disclosure, it should be understood that the disclosed system, apparatus and method can be implemented in other manners. For example, the described apparatus embodiments are merely schematic. For example, the division of the units or modules is merely a logical function division. There can be another division manner for the actual implementation. For example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the displayed or discussed mutual couplings or direct couplings or communication connections can be indirect couplings or communication connections through some interfaces, devices or units, and can be in electrical, mechanical or other forms.

[0079] The units described as separated components can or can not be physically separated, and the components displayed as units can or can not be physical units, i.e., can be located in one place, or can be distributed on a plurality of network units. In actual implementation, some or all of the units can be selected according to the actual needs to achieve the purposes of the embodiments of the present disclosure.

[0080] In addition, each functional unit in the embodiments of the present disclosure can be integrated in one processing unit, or each unit can exist physically as separate units, or two or more units can be integrated in one unit.

[0081] The above describes only specific embodiments of the present disclosure, but the protection scope of the present disclosure is not limited thereto. Any person skilled in the art can easily think of changes or replacements within the technical range disclosed by the present disclosure, which should be covered by the protection scope of the present disclosure. Therefore, the protection scope of the present disclosure should be subject to the protection scope of the claims.

Claims

1. A method for processing data, comprising: Obtain the acquiring institution's business information, which includes the acquiring institution's name, the countries in which the acquiring institution operates, the names of the acquiring institution's merchants, and the countries in which the merchants are registered. Based on the business information, a first data table corresponding to the acquiring institution is generated. The first data table includes fields corresponding to the name of the acquiring institution, the country where the acquiring institution operates, the name of the merchant of the acquiring institution, and the country of registration of the merchant. Using a database query language, the field of the registered country of the merchant of the acquiring institution and the field of the country of business of the acquiring institution are queried and compared in the first data table to determine whether the registered country of the merchant of the acquiring institution belongs to the country of business of the acquiring institution. If the registered country of the merchant of the acquiring institution does not belong to the country of business of the acquiring institution, then it is determined that the country of business of the acquiring institution does not meet the requirements.

2. The method according to claim 1, wherein generating the first data table corresponding to the acquiring institution based on the operating information comprises: A second data table is generated based on the name of the acquiring institution and the country where the acquiring institution operates in the business information. The second data table includes fields corresponding to the name of the acquiring institution and the country where the acquiring institution operates. A third data table is generated based on the name of the acquiring institution, the name of the acquiring institution's merchant, and the registered country of the merchant in the business information. The third data table includes fields corresponding to the name of the acquiring institution, the name of the acquiring institution's merchant, and the registered country of the merchant. Using the name of the acquiring institution as the primary key, the second data table and the third data table are associated to obtain the first data table.

3. The method according to claim 1, before generating the first data table corresponding to the acquiring institution based on the operating information, the method further includes: Convert the country name of the acquiring institution's operating country and / or the country name of the merchant's registered country into a country name code.

4. The method according to claim 3, wherein converting the country name of the acquiring institution's operating country and / or the country name of the merchant's registered country into a country name code includes: The abbreviated country names in the country names of the acquiring institution's operating countries are converted into their full names, and the full names of the country names of the acquiring institution's operating countries are associated with the global country name code standard library to obtain the country name code of the acquiring institution's operating countries. and / or The abbreviated country name in the registered country name of the merchant is converted into the full country name, and the country name of the registered country name of the merchant is associated with the global country name code standard library to obtain the country name code of the registered country name of the merchant.

5. The method according to claim 1, further comprising: Output the compliance check results of the acquiring institution, which are used to indicate at least one of the following: the acquiring institution's business scope meets the requirements, the acquiring institution's business scope does not meet the requirements, or it is impossible to determine whether the acquiring institution's business scope meets the requirements.

6. A data processing apparatus, comprising: The acquisition module is used to acquire the operating information of the acquiring institution, including the name of the acquiring institution, the country where the acquiring institution operates, the names of the merchants of the acquiring institution, and the registered country of the merchants. The generation module is used to generate a first data table corresponding to the acquiring institution based on the operating information. The first data table includes fields corresponding to the name of the acquiring institution, the country where the acquiring institution operates, the name of the merchant of the acquiring institution, and the country of registration of the merchant. The query module is used to query and compare the fields of the registered country of the merchant of the acquiring institution and the operating country of the acquiring institution in the first data table using a database query language, so as to determine whether the registered country of the merchant of the acquiring institution belongs to the operating country of the acquiring institution. If the registered country of the merchant of the acquiring institution does not belong to the operating country of the acquiring institution, it is determined that the operating country of the acquiring institution does not meet the requirements.

7. The apparatus according to claim 6, wherein the generation module is configured to generate a second data table based on the name of the acquiring institution and the country of operation of the acquiring institution in the business information, the second data table including fields corresponding to the name of the acquiring institution and the country of operation of the acquiring institution; generate a third data table based on the name of the acquiring institution, the name of the merchant of the acquiring institution and the country of registration of the merchant of the acquiring institution in the business information, the third data table including fields corresponding to the name of the acquiring institution, the name of the merchant of the acquiring institution and the country of registration of the merchant of the merchant of the acquiring institution; and associate the second data table and the third data table with the name of the acquiring institution as the primary key to obtain the first data table.

8. The apparatus according to claim 6, further comprising: The conversion module is used to convert the country name of the acquiring institution's operating country and / or the country name of the merchant's registered country into a country name code before generating the first data table corresponding to the acquiring institution based on the operating information.

9. The apparatus according to claim 8, wherein the conversion module is configured to convert the abbreviated country name in the country name of the acquiring institution's operating country into the full country name, and associate the full country name of the acquiring institution's operating country with a global country name code standard library to obtain the country name code of the acquiring institution's operating country; and / or, convert the abbreviated country name in the country name of the merchant's registered country into the full country name, and associate the country name of the merchant's registered country with a global country name code standard library to obtain the country name code of the merchant's registered country.

10. The apparatus of claim 6, further comprising: The output module is used to output the compliance inspection results of the acquiring institution, which are used to indicate at least one of the following: the acquiring institution's business scope meets the requirements, the acquiring institution's business scope does not meet the requirements, or it is impossible to determine whether the acquiring institution's business scope meets the requirements.

11. An apparatus for processing data, comprising a memory and a processor, the memory storing executable code, the processor being configured to execute the executable code to implement the method of any one of claims 1-5.

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