A data processing method, apparatus, device, and medium

Abstract

The application relates to the technical field of data processing, and in particular to a data processing method and device, equipment and a medium. The application aims to solve the problem that the audit result is inaccurate when a letter of credit is handled based on the name of an applicant, the name of a beneficiary and the name of a issuing bank in the prior art. In the embodiment of the application, when the electronic device audits the first name of the applicant, the second name of the beneficiary and the third name of the issuing bank carried in the letter of credit request, whether to pass the audit is determined according to whether a target letter of credit group corresponding to the first name, the second name and the third name exists in each letter of credit group, thereby improving the efficiency and accuracy of the audit.

Description

Technical Field

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

[0002] A letter of credit is issued based on a trade contract between a buyer and a seller. Once accepted by the parties involved, it becomes a contractual document that they must abide by. After receiving all the data related to the letter of credit application, the agency handling the letter of credit needs to verify its accuracy. This process includes verifying the information of the applicant, beneficiary, and issuing bank. The applicant and beneficiary are usually specific company names, and the issuing bank is usually a specific bank name.

[0003] Typically, business personnel need to review the applicant, beneficiary, and issuing bank one by one, and verify the relationships among them. However, manual review may not yield accurate results and can lead to a significant waste of human resources.

[0004] In existing technologies, to improve the accuracy of the review process, the applicant, beneficiary, and issuing bank to be reviewed can be input into a model, which then reviews these information. However, using a model for review has drawbacks. The training data for the model is not comprehensive, and the model's generalization performance gradually decreases. This necessitates periodic iterations to train new models, which is time-consuming, labor-intensive, and has high maintenance costs. On the other hand, failing to iterate and train new models will lead to inaccurate review results. Summary of the Invention

[0005] This application provides a data processing method, apparatus, device, and medium to solve the problem of inaccurate review results when processing letters of credit based on the applicant's name, beneficiary's name, and issuing bank's name in the prior art.

[0006] This application provides a data processing method, the method comprising:

[0007] Receive a letter of credit application, wherein the letter of credit application carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank;

[0008] Determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the applicant's candidate name, the beneficiary's candidate name and the issuing bank's candidate name;

[0009] If a matching target letter of credit group exists, the letter of credit request is approved.

[0010] Further, determining whether there exists a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name, and the third name includes:

[0011] Determine whether there exists a candidate name for the applicant, a candidate name for the beneficiary, and a candidate name for the issuing bank included in any of the issuing groups that corresponds to the first name, the second name, and the third name;

[0012] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name.

[0013] Furthermore, if no candidate name of the applicant, candidate name of the beneficiary, or candidate name of the issuing bank included in any of the issuing groups corresponds to the first name, the second name, and the third name, the method further includes:

[0014] Based on the pre-saved names belonging to the same name group, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs; determine whether there exists any applicant candidate name included in any issuing bank group that matches any name in the applicant's name group, a beneficiary candidate name included in any issuing bank group that matches any name in the beneficiary's name group, and an issuing bank candidate name included in any issuing bank's name group.

[0015] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name;

[0016] If not, then determine the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank in each issuing group and the first name, the second name, and the third name. If there is an issuing group with a similarity exceeding a preset threshold, then determine that there is a target issuing group that matches the first name, the second name, and the third name.

[0017] Further, determining the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in each issuing group and the first name, the second name, and the third name includes:

[0018] For each candidate name in each opening group, determine whether the candidate name is any name in the name group of the corresponding role type. If yes, determine the similarity of the candidate name as the first preset similarity. If no, determine the similarity between the candidate name and the name corresponding to the corresponding role type as the similarity of the candidate name.

[0019] Determine whether there are two first-preset similarities among the determined similarities;

[0020] If so, then determine the similarity that is not the first preset similarity among each of the determined similarities, which is the similarity between the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank included in the issuing group and the first name, the second name and the third name.

[0021] If not, the second preset similarity is determined to be the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in the letter of credit group and the first name, the second name, and the third name; wherein the second preset similarity is less than the preset threshold.

[0022] Furthermore, the names belonging to the same name group are determined in the following way:

[0023] Retrieve each name carried in the approved historical letter of credit requests; wherein the name includes the applicant's name, the beneficiary's name, and the issuing bank's name;

[0024] The similarity between each name is determined using a preset algorithm, which includes: edit distance algorithm and Jaccard similarity algorithm; names whose similarity exceeds a preset similarity threshold are identified as belonging to the same name group.

[0025] Furthermore, the issuing group is determined in the following manner:

[0026] For each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank contained in the letter of credit request; and identify the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

[0027] Furthermore, after obtaining the candidate names of the applicant, the beneficiary, and the issuing bank carried in the letter of credit application, and before determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same letter of credit group, the method further includes:

[0028] Determine whether there exists an issuing group in each saved issuing group that matches the applicant's name, the beneficiary's name, and the issuing bank's name. If not, proceed with the step of determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same issuing group.

[0029] Furthermore, the method also includes:

[0030] If no matching target certificate group is found, the first name, the second name, and the third name will be sent to the preset device corresponding to the business personnel.

[0031] Furthermore, the method also includes:

[0032] If the approval instruction returned by the preset device is received, the first name, the second name and the third name are determined as names in the same issuance group, and the issuance group is added to each saved issuance group.

[0033] This application embodiment also provides a data processing apparatus, the apparatus comprising:

[0034] A receiving module is used to receive a letter of credit issuance request, wherein the letter of credit issuance request carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank;

[0035] The processing module is used to determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank;

[0036] The determination module is used to determine whether the letter of credit request is approved if a matching target letter of credit group exists.

[0037] Furthermore, the processing module is specifically used to determine whether there are any candidate names of the applicant, beneficiary, and issuing bank included in any issuing group that correspond to the first name, the second name, and the third name; if so, then it is determined that there is a target issuing group that matches the first name, the second name, and the third name.

[0038] Furthermore, the processing module is also configured to, if no candidate name of the applicant, candidate name of the beneficiary, and candidate name of the issuing bank included in any issuing group corresponds to the first name, the second name, and the third name, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs, based on the names belonging to the same name group that are stored in advance; determine whether there is any issuing group in which the candidate name of the applicant matches any name in the applicant's name group, the candidate name of the beneficiary matches any name in the beneficiary's name group, and the candidate name of the issuing bank matches any name in the issuing bank's name group; if yes, determine that there exists a target issuing group that matches the first name, the second name, and the third name; if no, determine the similarity between the candidate name of the applicant, the candidate name of the beneficiary, and the candidate name of the issuing bank included in each issuing group and the first name, the second name, and the third name; if there exists an issuing group in which the corresponding similarity exceeds a preset threshold, determine that there exists a target issuing group that matches the first name, the second name, and the third name.

[0039] Further, the processing module is specifically used to determine, for each candidate name in each issuing group, whether the candidate name is any name in the name group of the corresponding role type. If yes, the similarity corresponding to the candidate name is determined as a first preset similarity. If no, the similarity between the candidate name and the name corresponding to the corresponding role type is determined as the similarity corresponding to the candidate name. The module also determines whether there are two first preset similarities among the determined similarities. If yes, the module determines that each determined similarity is not a first preset similarity and is the similarity between the candidate names of the applicant, beneficiary, and issuing bank included in the issuing group and the first name, the second name, and the third name. If no, the module determines a second preset similarity as the similarity between the candidate names of the applicant, beneficiary, and issuing bank included in the issuing group and the first name, the second name, and the third name. The second preset similarity is less than the preset threshold.

[0040] Furthermore, the processing module is also used to obtain each name carried in the approved historical letter of credit application; wherein the name includes the applicant's name, the beneficiary's name, and the issuing bank's name; to determine the similarity between each name using a preset algorithm, wherein the preset algorithm includes: edit distance algorithm and Jaccard similarity algorithm; and to determine that names whose similarity exceeds a preset similarity threshold belong to the same name group.

[0041] Furthermore, the processing module is also used to, for each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in the letter of credit request; and determine the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

[0042] Furthermore, the processing module is also used to determine whether there is an issuing group in each saved issuing group that matches the name of the applicant, the name of the beneficiary, and the name of the issuing bank. If not, the subsequent step of determining the candidate name of the applicant, the candidate name of the beneficiary, and the candidate name of the issuing bank as names in the same issuing group is executed.

[0043] Furthermore, the processing module is also configured to send the first name, the second name, and the third name to the preset device corresponding to the business personnel if no matching target certificate group is found.

[0044] Furthermore, the processing module is also configured to, if it receives an approval instruction returned by the preset device, determine the first name, the second name and the third name as names in the same issuance group, and add the issuance group to each saved issuance group.

[0045] This application also provides an electronic device, which includes at least a processor and a memory, wherein the processor is used to execute a computer program stored in the memory to implement the steps of the data processing method described in any of the above claims.

[0046] This application also provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the steps of the data processing method described in any of the preceding claims.

[0047] This application also provides a computer program product, which includes: computer program code, which, when run on a computer, causes the computer to perform the steps of the data processing method described in any of the above embodiments.

[0048] In this embodiment, the electronic device can receive a letter of credit issuance request, which carries a first name of the applicant, a second name of the beneficiary, and a third name of the issuing bank. Upon receiving the request, the electronic device determines whether a target letter of credit issuance group exists in each pre-saved group that matches the first, second, and third names. Each group includes candidate names of the applicant, beneficiary, and issuing bank. If a matching target group exists, the received request is approved. Because in this embodiment, the electronic device reviews the applicant's first name, beneficiary's second name, and issuing bank's third name in the request based on whether a matching target group exists in each pre-saved group, the efficiency and accuracy of the review process are improved. Attached Figure Description

[0049] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0050] Figure 1 This is a schematic diagram of a data processing procedure provided in an embodiment of this application;

[0051] Figure 2 A detailed schematic diagram illustrating a data processing procedure provided in an embodiment of this application;

[0052] Figure 3 This application provides a schematic diagram illustrating a process for determining whether a target letter of credit group exists.

[0053] Figure 4 A schematic diagram of trade role relationships provided for embodiments of this application;

[0054] Figure 5 This is a schematic diagram of a data processing device structure provided in an embodiment of this application;

[0055] Figure 6 This is a schematic diagram of an electronic device structure provided in an embodiment of this application. Detailed Implementation

[0056] The present application will now be described in further detail with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present application.

[0057] In order to verify whether a letter of credit can be processed based on the received applicant's name, beneficiary's name, and issuing bank's name, embodiments of this application provide a data processing method, apparatus, device, and medium.

[0058] In this embodiment of the application, the electronic device can receive a letter of credit application request, wherein the letter of credit application request carries a first name of the applicant, a second name of the beneficiary, and a third name of the issuing bank. After receiving the letter of credit application request, the electronic device determines whether there is a target letter of credit application group in each pre-saved letter of credit application group that matches the first name, the second name, and the third name. Each letter of credit application group includes a candidate name of the applicant, a candidate name of the beneficiary, and a candidate name of the issuing bank. If it is determined that there is a corresponding matching target letter of credit application group, the received letter of credit application request is approved.

[0059] The embodiments of this application are applied to the letter of credit scenario, which has strong domain uniqueness and the confidentiality of customer information. Currently, there is very little research related to the letter of credit scenario.

[0060] Example 1:

[0061] Figure 1 This application provides a schematic diagram of a data processing procedure, which includes the following steps:

[0062] S101: Receive a letter of credit application request, wherein the letter of credit application request carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank;

[0063] The data processing method provided in this application is applied to an electronic device, which may be a PC or a server.

[0064] In this embodiment, the electronic device can receive a letter of credit application request. This request can be received by the electronic device after the customer, on a first preset page of their own device or a second preset page of a preset device in a bank, selects or fills in the applicant's first name, the beneficiary's second name, and the issuing bank's third name, and clicks a preset button. Specifically, after the customer clicks the preset button, their own device or the bank's preset device can send the letter of credit application request to the electronic device. This request includes the applicant's first name, the beneficiary's second name, and the issuing bank's third name.

[0065] S102: Determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the applicant's candidate name, the beneficiary's candidate name and the issuing bank's candidate name.

[0066] To verify the feasibility of issuing a letter of credit based on the first, second, and third names, in this embodiment, the electronic device pre-stores multiple issuing groups. Each issuing group includes candidate names for the applicant, beneficiary, and issuing bank. All candidate names for the applicant, beneficiary, and issuing bank in each issuing group are verified. Specifically, the electronic device verifies the first, second, and third names based on whether a target issuing group exists that matches the first, second, and third names within each issuing group.

[0067] After receiving a letter of credit application request, the electronic device can first obtain the applicant's first name, the candidate's second name, and the issuing bank's third name carried in the application request. After obtaining the applicant's first name, the candidate's second name, and the issuing bank's third name, the electronic device can determine whether there is a target letter of credit application group that matches the first name, the second name, and the third name in each pre-saved letter of credit application group.

[0068] In this embodiment, the electronic device can, for each issuing group, determine the first similarity between the candidate names of applicants included in the issuing group and the first name carried in the issuing request, determine the second similarity between the candidate names of beneficiaries included in the issuing group and the second name carried in the issuing request, and determine the third similarity between the candidate names of issuing banks included in the issuing group and the third name carried in the issuing request. The electronic device can calculate the edit distance between the candidate names and the names carried in the issuing request based on characters. When the input of a preset function is the edit distance, the output of the preset function is the similarity. The preset function is a function where the larger the input, the smaller the output. Specifically, how to calculate the edit distance between two names is prior art and will not be elaborated here. If the first similarity, second similarity, and third similarity are all greater than the preset similarity threshold, then it is determined that there exists a target issuing group that matches the first name, second name, and third name, respectively.

[0069] S103: If a matching target letter of credit group exists, then the letter of credit request is approved.

[0070] In this embodiment of the application, if it is determined that there is a target letter of credit group in each letter of credit group that matches the first name, the second name and the third name, it means that the letter of credit can be processed based on the first name, the second name and the third name, and therefore the electronic device determines that the letter of credit request has been approved.

[0071] In this embodiment of the application, when the electronic device reviews the applicant's first name, the beneficiary's second name, and the issuing bank's third name carried in the letter of credit request, it determines whether the review is approved based on whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name, and the third name, thereby improving the efficiency and accuracy of the review.

[0072] Example 2:

[0073] To accurately determine whether a target letter of credit group exists, based on the above embodiments, in this embodiment, determining whether a target letter of credit group matching the first name, the second name, and the third name exists in each pre-saved letter of credit group includes:

[0074] Determine whether there exists a candidate name for the applicant, a candidate name for the beneficiary, and a candidate name for the issuing bank included in any of the issuing groups that corresponds to the first name, the second name, and the third name;

[0075] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name.

[0076] In this embodiment of the application, when determining whether there is a target letter of credit group in each letter of credit group that matches the first name, second name and third name carried in the letter of credit request, the electronic device can first determine whether there are candidate names of the applicant, candidate names of the beneficiary and candidate names of the issuing bank included in any letter of credit group that correspond to the first name of the applicant, the second name of the beneficiary and the third name of the issuing bank carried in the letter of credit request, respectively. If there is a letter of credit group that corresponds to the first name of the applicant, the second name of the beneficiary and the third name of the issuing bank carried in the letter of credit request, it means that the first name, the second name and the third name carried in the letter of credit request have been approved before, so it can be determined that there is a target letter of credit group that matches the first name, the second name and the third name.

[0077] Specifically, in this embodiment of the application, the electronic device can determine for each issuing group whether the candidate name of the applicant included in the issuing group is consistent with the first name of the applicant carried in the issuing request, whether the candidate name of the beneficiary included in the issuing group is consistent with the second name of the beneficiary carried in the issuing request, and whether the candidate name of the issuing bank included in the issuing request is consistent with the third name of the issuing bank carried in the issuing request. If all are consistent, the issuing group is determined to be a target issuing group that matches the first name, the second name, and the third name, that is, it is determined that there is a target issuing group that matches the first name, the second name, and the third name.

[0078] In this embodiment of the application, each letter of credit group can be stored in a trade relationship database.

[0079] For example, if the applicant's first name, the beneficiary's second name, and the issuing bank's third name obtained from the received letter of credit request are A, B, and C respectively, then we can first directly query the trade relationship database to see if there is a target letter of credit group that matches A, B, and C. If we find that the applicant's candidate name is A, the beneficiary's candidate name is B, and the issuing bank's candidate name is C in a certain letter of credit group, then we can determine that the letter of credit request has been approved.

[0080] Example 3:

[0081] To accurately determine whether a target letter of credit group exists, based on the above embodiments, in this embodiment, if no candidate name of the applicant, candidate name of the beneficiary, and candidate name of the issuing bank included in any letter of credit group corresponds to the first name, the second name, and the third name, the method further includes:

[0082] Based on the pre-saved names belonging to the same name group, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs; determine whether there exists any applicant candidate name included in any issuing bank group that matches any name in the applicant's name group, a beneficiary candidate name included in any issuing bank group that matches any name in the beneficiary's name group, and an issuing bank candidate name included in any issuing bank's name group.

[0083] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name;

[0084] If not, then determine the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank in each issuing group and the first name, the second name, and the third name. If there is an issuing group with a similarity exceeding a preset threshold, then determine that there is a target issuing group that matches the first name, the second name, and the third name.

[0085] In practical application scenarios, a certain name may have other aliases. Therefore, in this embodiment of the application, if there is no candidate name of the applicant, candidate name of the beneficiary and candidate name of the issuing bank included in any issuing group that corresponds to the first name, second name and third name carried in the issuing request, then when determining whether there is a target issuing group, if there is a candidate name of the applicant, candidate name of the beneficiary and candidate name of the issuing bank included in any issuing group that corresponds to other names or first names, other names or second names, and other names or third names carried in the issuing request, respectively, then it is still determined that there is a corresponding matching target issuing group.

[0086] Specifically, in this embodiment, the electronic device pre-stores multiple name groups, each containing multiple names. The names within a given name group are aliases for each other. In this embodiment, the electronic device, based on the pre-stored names belonging to the same name group, determines that the first name belongs to the applicant's name group, the second name to the beneficiary's name group, and the third name to the issuing bank's name group. After determining the applicant's name group, the beneficiary's name group, and the issuing bank's name group, the electronic device can determine whether any issuing bank's name group contains a candidate name for the applicant that matches any name in the applicant's name group, a candidate name for the beneficiary that matches any name in the beneficiary's name group, and a candidate name for the issuing bank that matches any name in the issuing bank's name group. If such a match exists, a corresponding matching target issuing bank group is determined to exist.

[0087] For example, a letter of credit (L / C) group may contain candidate names for the applicant, beneficiary, and issuing bank as A1, B1, and C1, respectively. A received L / C request may contain the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank as A2, B2, and C2, respectively. Furthermore, the applicant name group to which A2 belongs includes A1, A2, and A3; the applicant name group to which B2 belongs includes B1, B2, and B3; and the applicant name group to which C2 belongs includes C1, C2, and C3. Therefore, it can be concluded that the candidate names of the applicants included in the L / C group match a name in one of the applicant name groups, the candidate names of the beneficiaries included in the L / C group match a name in one of the beneficiary name groups, and the candidate names of the issuing banks included in the L / C group match a name in one of the issuing bank name groups. This indicates the existence of a target L / C group that matches the first, second, and third names.

[0088] If no candidate name of the applicant included in any letter of credit group matches any name in the applicant's name group, no candidate name of the included beneficiary matches any name in the beneficiary's name group, and no candidate name of the included issuing bank matches any name in the issuing bank's name group, then the electronic device can determine the similarity between the candidate names included in each letter of credit group and the first name, second name, and third name carried in the letter of credit request. After determining the similarity between each letter of credit group and the first name, second name, and third name carried in the letter of credit request, the electronic device can determine whether there is a corresponding letter of credit group with a similarity exceeding a preset threshold. If there is a corresponding letter of credit group with a similarity exceeding the preset threshold, then it is determined that there is a target letter of credit group that matches the first name, second name, and third name.

[0089] Specifically, when determining the similarity of the first, second, and third names carried in each issuing group and issuing request, the electronic device can, for each issuing group, determine the first similarity between the candidate names of the applicants included in the issuing group and the first name carried in the issuing request; determine the second similarity between the candidate names of the beneficiaries included in the issuing group and the second name carried in the issuing request; and determine the third similarity between the candidate names of the issuing banks included in the issuing group and the third name carried in the issuing request. The specific method for determining the similarity between two names has been described in the above embodiments and will not be repeated here. The electronic device can determine the similarity corresponding to the issuing group based on the first, second, and third similarities. For example, it can determine the product of the first and second similarities, and determine the product of this product and the third similarity as the similarity between the issuing group and the first, second, and third names carried in the issuing request. In this way, the electronic device can determine the similarity corresponding to each issuing group.

[0090] Based on historical data from previous letter of credit processing, it's clear that a company or bank may have multiple aliases. The applicant and beneficiary are typically the specific company name, and the issuing bank is usually the specific bank name. This makes it difficult for staff to immediately verify the correctness of the applicant, beneficiary, and issuing bank during the review process, wasting considerable time and effort. In this embodiment, the electronic device determines the applicant's name group, beneficiary's name group, and issuing bank's name group for each of the pre-saved names belonging to the same name group. Subsequently, it determines whether a corresponding matching target issuing bank group exists for each determined name group, thereby enabling the verification of the first, second, and third names. This effectively reduces the workload of staff and improves the accuracy and efficiency of the determination.

[0091] Example 4:

[0092] To determine the similarity of each issuing bank group, based on the above embodiments, in this embodiment, determining the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in each issuing bank group and the first name, the second name, and the third name includes:

[0093] For each candidate name in each opening group, determine whether the candidate name is any name in the name group of the corresponding role type. If yes, determine the similarity of the name as the first preset similarity. If no, determine the similarity between the candidate name and the name corresponding to the corresponding role type as the similarity of the name.

[0094] Determine whether there are two first-preset similarities among the determined similarities;

[0095] If so, then determine the similarity that is not the first preset similarity among each of the determined similarities, which is the similarity between the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank included in the issuing group and the first name, the second name and the third name.

[0096] If not, the second preset similarity is determined to be the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in the letter of credit group and the first name, the second name, and the third name; wherein the second preset similarity is less than the preset threshold.

[0097] When determining the similarity of each issuing group, the electronic device can, for each candidate name in the issuing group, determine whether the candidate name included in the issuing group is any name in the name group of the corresponding role type. That is, if the candidate name is the applicant's candidate name, it is determined whether the candidate name is any name in the applicant's name group; if the candidate name is the beneficiary's candidate name, it is determined whether the candidate name is any name in the beneficiary's name group; if the candidate name is the issuing bank's candidate name, it is determined whether the candidate name is any name in the issuing bank's name group. If the candidate name included in the issuance group is any name in the name group of the corresponding role type, then the similarity corresponding to the candidate name is determined as the first preset similarity. The first preset similarity can be a high similarity, such as 100% or 98%. If the candidate name included in the issuance group is not any name in the name group of the corresponding role type, then the similarity between the candidate name and the name corresponding to the corresponding role type is determined, and this similarity is determined as the similarity corresponding to the candidate name. The specific method for determining the similarity between two names has been described in the above embodiments and will not be repeated here.

[0098] After determining the similarity of each candidate name in the letter of credit group, the electronic device can determine whether there are two first preset similarities among the determined similarities. That is, it can determine whether there are two candidate names in the letter of credit group that are any names in the name group of the corresponding role type. If there are two first preset similarities among the determined similarities, then the similarity that is not a first preset similarity among each determined similarity is determined as the similarity between the letter of credit group and the first name, second name and third name carried in the letter of credit request. That is, the similarity between the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank contained in the letter of credit group and the first name, second name and third name.

[0099] If no two of the determined similarities are at the first preset similarity level, then the second preset similarity level is determined as the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank and the first, second, and third names. This second preset similarity level is less than the preset threshold described in the above embodiments, which is the preset threshold for determining whether a corresponding matching target issuing group exists. In other words, in this case, the issuing group is not a target issuing group matching the first, second, and third names. The electronic device can determine the similarity level corresponding to each issuing group in this way.

[0100] In this embodiment of the application, after determining the similarity of each issuance group, the electronic device can also arrange the corresponding issuance groups in descending order of similarity according to each determined similarity, obtain the issuance group with the highest similarity, and determine whether the similarity of the issuance group exceeds a preset threshold, thereby determining whether there is a target issuance group that matches the first name, the second name and the third name.

[0101] For example, a received letter of credit application might contain the applicant's first name as A, the beneficiary's second name as B, and the issuing bank's third name as C. The name groups to which A belongs include A, A1, and A2; the name groups to which B belongs include B, B1, and B2; and the name groups to which C belongs include C, C1, and C2. In these groups, the issuing banks (A,B,C3), (A1,B,C4), and (A4,B,C1) each have two candidate names that correspond to any name in the name group for the corresponding role type. Therefore, the similarity between (A,B,C3), (A1,B,C4), and (A4,B,C1) might exceed a preset threshold. In other words, (A,B,C3), (A1,B,C4), and (A4,B,C1) could be the target issuing banks that match the first, second, and third names, respectively.

[0102] Figure 2 A detailed schematic diagram of a data processing procedure provided for an embodiment of this application is shown, the procedure including the following steps:

[0103] S201: Receive letter of credit request.

[0104] S202: Obtain the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank as stated in the letter of credit request.

[0105] S203: Determine whether there is a target issuance group in each pre-saved issuance group that matches the first name, second name and third name. If yes, execute S204; otherwise, execute S205.

[0106] S204: Confirmation that the letter of credit application has been approved.

[0107] S205: Send the first name, second name, and third name to the preset device corresponding to the business personnel.

[0108] Figure 3 A schematic diagram illustrating a process for determining the existence of a target letter of credit group, provided in an embodiment of this application, includes the following steps:

[0109] S301: Determine whether there exists any candidate name of the applicant, candidate name of the beneficiary, and candidate name of the issuing bank included in any issuing group that corresponds to the first name, second name, and third name. If yes, proceed to S302; otherwise, proceed to S303.

[0110] S302: Determine that there exists a target issuing group that matches the first name, second name and third name.

[0111] S303: Based on the pre-saved names belonging to the same name group, determine the name group to which the first name belongs, the name group to which the beneficiary belongs, and the name group to which the third name belongs.

[0112] S304: Determine whether there exists any applicant candidate name in any issuing bank group that matches any name in the applicant's name group, a beneficiary candidate name that matches any name in the beneficiary's name group, and an issuing bank candidate name that matches any name in the issuing bank's name group. If yes, execute S302; otherwise, execute S305.

[0113] S305: Determine the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in each issuing group and the first, second, and third names.

[0114] S306: Determine whether there is a corresponding issuance group with a similarity exceeding the preset threshold. If yes, execute S302; otherwise, execute S307.

[0115] S307: It is determined that there is no target issuing group that matches the first name, second name and third name.

[0116] In letter of credit business scenarios with strong domain uniqueness, in order to improve the accuracy of verifying the applicant's first name, the beneficiary's second name, and the issuing bank's third name, this embodiment of the application verifies the first name, second name, and third name by checking whether there is a target issuing group in the trade relationship database that matches the first name, second name, and third name. This is equivalent to being constrained by the issuing group in the trade relationship database, thereby improving the accuracy of the verification.

[0117] Example 5:

[0118] In order to accurately identify the applicant, beneficiary, and issuing bank, based on the above embodiments, in this application embodiment, the names belonging to the same name group are determined in the following way:

[0119] Retrieve each name carried in the approved historical letter of credit requests; wherein the name includes the applicant's name, the beneficiary's name, and the issuing bank's name;

[0120] The similarity between each name is determined using a preset algorithm, which includes: edit distance algorithm and Jaccard similarity algorithm; names whose similarity exceeds a preset similarity threshold are identified as belonging to the same name group.

[0121] In this embodiment of the application, when determining the names belonging to the same name group, the electronic device can first obtain the name of each applicant, the name of each beneficiary, and the name of each issuing bank carried in the approved historical letter of credit request. That is, it obtains each name carried in the approved historical letter of credit request. In this embodiment of the application, each name is the approved name, which is the name of the legitimate applicant, beneficiary, and issuing bank.

[0122] After obtaining each name, the electronic device can use a preset algorithm to determine the similarity between each name. This preset algorithm includes edit distance, Jaccard similarity, and absolute string matching algorithms. How to use these algorithms to determine the similarity between two names is existing technology and will not be elaborated here. After determining the similarity between each name, the electronic device can identify names with a similarity exceeding a preset similarity threshold as belonging to the same name group. Through this method, the electronic device can determine which names belong to the same name group and whether there is a corresponding matching target issuing bank group. This allows for the verification of the applicant's first name, the beneficiary's second name, and the issuing bank's third name in the letter of credit application.

[0123] In this embodiment, the technique of entity linking is equivalent to clustering each name to determine the names belonging to the same name group. Specifically, the entity linking technique is equivalent to summarizing the corresponding synonyms for each named entity, that is, mining the corresponding names from historical issuance requests to determine the names belonging to the same name group.

[0124] To improve the accuracy of names within each identified name group, after determining the names in each name group, the electronic device can send each name in that group to the device used by the business personnel. The business personnel then review and approve each name in the group using their own device. This process only requires reviewing the names in the group once, eliminating the need for frequent reviews and thus reducing the difficulty and efficiency of the review process. Furthermore, it increases the accuracy of names within the same name group. In this embodiment, clustering technology is used to cluster the names carried in each historical letter of credit request. The business personnel then review the clustering results to obtain each name group, and each name group is stored in an entity link library.

[0125] This application embodiment is applied to the highly unique scenario of letters of credit, and makes full use of each name carried in the approved historical letter of credit requests to explore whether the company and bank names in them belong to the same name group. By adopting clustering and manual review methods, a relatively reliable entity link library is formed. In business scenarios where there are multiple synonyms for the same company or bank name, the accuracy and efficiency of the review of applicants, beneficiaries and issuing banks can be improved.

[0126] Since the names of applicants and beneficiaries are usually specific company names, and the names of issuing banks are usually specific bank names, when determining each name group, we can first obtain the names of each applicant and each beneficiary in the approved historical letter of credit requests, cluster the names of applicants and beneficiaries, obtain the name of each issuing bank, cluster the names of each issuing bank, and thus determine the names included in each name group.

[0127] In this embodiment, business personnel can also view the names in each name group using their own devices or preset devices. They can add, modify, or delete names in each name group, avoiding the problem of incomplete coverage caused by determining the name group solely based on each name carried in the approved historical letter of credit requests. During the work process, business personnel can also manually add letter of credit groups to the trade relationship database, or add a specific name to a name group. In other words, business personnel can gradually enrich and expand the entity link database and trade relationship database in a small, iterative manner, thereby gradually forming a more reliable entity link database and trade relationship database.

[0128] Example 6:

[0129] In order to accurately identify the applicant, beneficiary, and issuing bank, based on the above embodiments, the issuing group in this application embodiment is determined in the following way:

[0130] For each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank contained in the letter of credit request; and identify the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

[0131] In this embodiment of the application, in order to verify the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank carried in the letter of credit application, the electronic device stores multiple letter of credit groups. The letter of credit groups can be determined in the following way: For each historical letter of credit application that has been verified, the electronic device obtains the name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in the historical letter of credit application. The name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in the historical letter of credit application that has been verified are accurate names, and are names that accurately represent the relationship between them. Therefore, the electronic device can determine the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

[0132] In this embodiment, the electronic device employs text mining technology to obtain the names of the applicant, beneficiary, and issuing bank carried in historical letter of credit (L / C) requests. Based on each obtained name, the trade relationship between the applicant, beneficiary, and issuing bank is determined, forming an L / C group. In this embodiment, each L / C group can be stored in a trade relationship database. This embodiment is equivalent to initially constructing each L / C group based on approved historical L / C requests, adding each L / C group to the trade relationship database, and determining the names belonging to the same name group based on the names carried in each historical L / C request. Each name group and the names within each name group are then added to an entity connection database. This embodiment constructs a corresponding L / C group based on each approved historical L / C request, thereby building a trade relationship database. This allows for accurate review based on each L / C group in the trade relationship database during the review of the applicant, beneficiary, and issuing bank carried in the L / C request.

[0133] Considering the unique nature of letters of credit scenarios, this paper examines the trade relationship between the applicant, beneficiary, and issuing bank as an example. In this embodiment, to verify the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank carried in the letter of credit request, it is necessary to construct as many letter of credit groups as possible. Each letter of credit group contains candidate names for the applicant, beneficiary, and issuing bank. This can be seen as a trade relationship existing among the three trade roles of the applicant, beneficiary, and issuing bank within the same letter of credit group.

[0134] Figure 4 This is a schematic diagram of a trade role relationship provided for an embodiment of this application.

[0135] Depend on Figure 4 It is understood that the roles in trade include the applicant, the beneficiary, and the issuing bank, among whom the applicant, the beneficiary, and the beneficiary are mutually bound.

[0136] In this embodiment of the application, when the electronic device reviews the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank carried in the letter of credit request, it reviews the first name, the second name, and the third name based on whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name, and the third name. This is equivalent to using trade role relationship constraints to conduct the review, thereby improving the accuracy of the determination of the applicant, beneficiary, and issuing bank.

[0137] To improve resource utilization, based on the above embodiments, in this embodiment, after obtaining the candidate names of the applicant, the beneficiary, and the issuing bank carried in the letter of credit request, and before determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same letter of credit group, the method further includes:

[0138] Determine whether there exists an issuing group in each saved issuing group that matches the applicant's name, the beneficiary's name, and the issuing bank's name. If not, proceed with the step of determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same issuing group.

[0139] In this application embodiment, for each historical letter of credit request, after obtaining the applicant's name, beneficiary's name, and issuing bank's name carried in the historical letter of credit request, if there is an issuing group that matches the applicant's name, beneficiary's name, and issuing bank's name, then it is not necessary to determine the applicant's candidate name, the beneficiary's candidate name, and the issuing bank's candidate name as names in the same issuing group.

[0140] When determining whether a letter of credit group exists that matches the applicant's name, the beneficiary's name, and the issuing bank's name, the specific electronic device can determine whether any letter of credit group contains candidate names for the applicant, beneficiary, and issuing bank that correspond to the applicant's name, the beneficiary's name, and the issuing bank's name. If such a group exists, a matching letter of credit group is determined to exist. If not, it can determine whether any letter of credit group contains candidate names for the applicant that are any names in the name group to which the applicant's name belongs, candidate names for the beneficiary that are any names in the name group to which the beneficiary's name belongs, and candidate names for the issuing bank that are any names in the name group to which the issuing bank's name belongs. If such a group exists, a matching letter of credit group is determined to exist. If not, no matching letter of credit group is determined to exist.

[0141] In this embodiment of the application, if a matching issuing group exists, the issuing group is not added, thereby saving memory consumption and avoiding waste of resources.

[0142] Example 8:

[0143] In order to accurately verify the applicant, beneficiary, and issuing bank in the letter of credit application, based on the above embodiments, the method in this application embodiment further includes:

[0144] If no matching target certificate group is found, the first name, the second name, and the third name will be sent to the preset device corresponding to the business personnel.

[0145] In this embodiment of the application, if no matching target letter of credit group is found, the electronic device sends the first name, second name and third name carried in the letter of credit request to the preset device corresponding to the business personnel, who then review the first name, second name and third name to avoid the problem of the electronic device misreviewing and improve the accuracy of the applicant, beneficiary and issuing bank determination.

[0146] In order to accurately verify the applicant, beneficiary, and issuing bank in the letter of credit application, based on the above embodiments, the method in this application embodiment further includes:

[0147] If the approval instruction returned by the preset device is received, the first name, the second name and the third name are determined as names in the same issuance group, and the issuance group is added to each saved issuance group.

[0148] In this embodiment of the application, after receiving the first name, second name and third name sent by the electronic device, the preset device corresponding to the business personnel can review the first name, second name and third name. If the business personnel approve the review, the first name, second name and third name can be identified as names in the same letter of credit group.

[0149] In this embodiment, after receiving the first, second, and third names sent by the electronic device, the preset device corresponding to the business personnel can display these names on a preset page. If the business personnel confirms that the first, second, and third names are accurate, they can select a preset button on the preset page. The electronic device will then receive an approval instruction returned by the preset device. This approval instruction may include the applicant's first name, the beneficiary's second name, and the issuing bank's third name. The electronic device can identify the first, second, and third names as names in the same issuing group and add this issuing group to each pre-saved issuing group. This facilitates subsequent verification of the applicant's name, beneficiary's name, and issuing bank's name carried in other issuing requests, improving the accuracy of the identification of the applicant, beneficiary, and issuing bank without requiring verification by the business personnel.

[0150] For example, if a received letter of credit request contains the applicant's name, beneficiary's name, and issuing bank's name as A, B, and C respectively, and no matching target letter of credit group can be found in the trade relationship database, then (A, B, C) is considered a new trade relationship. After review by business personnel, it is added to the trade relationship database, thus achieving iterative enrichment of the trade relationship database in small, incremental steps. This method can be integrated into the daily operations of business personnel, thereby continuously expanding the trade relationship database.

[0151] In this embodiment, the electronic device can store each letter of credit group in the trade relationship database. If the name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in a subsequent letter of credit request do not match the target letter of credit group, and the business personnel approve the request, the name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in the letter of credit request will be identified as the names in the same letter of credit group. This is equivalent to allowing the business personnel to take small steps and iterative steps to continuously enrich and expand the trade relationship database, thereby enabling more accurate review of the applicant, beneficiary, and issuing bank in the future, thus achieving a virtuous cycle.

[0152] Although this application embodiment uses the scenario of reviewing a letter of credit as an example, the review method used in this application embodiment can also be used to review certain data in other scenarios.

[0153] Example 9:

[0154] Figure 5 This application provides a schematic diagram of a data processing device structure, the device comprising:

[0155] The receiving module 501 is used to receive a letter of credit issuance request, wherein the letter of credit issuance request carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank;

[0156] The processing module 502 is used to determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank.

[0157] The determination module 503 is used to determine that the letter of credit request has been approved if a matching target letter of credit group exists.

[0158] In one possible implementation, the processing module 502 is specifically used to determine whether there are any candidate names of the applicant, beneficiary, and issuing bank included in any letter of credit group that correspond to the first name, the second name, and the third name; if so, then it is determined that there is a target letter of credit group that matches the first name, the second name, and the third name.

[0159] In one possible implementation, the processing module 502 is further configured to, if no candidate name of the applicant, candidate name of the beneficiary, or candidate name of the issuing bank included in any issuing group corresponds to the first name, the second name, and the third name, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs, based on the names belonging to the same name group that are pre-saved; and determine whether there exists any applicant candidate name included in any issuing group that corresponds to any name in the applicant's name group and the included beneficiary candidate name. If the name matches any name in the beneficiary's name group and the candidate name of the issuing bank included matches any name in the issuing bank's name group, then a target issuing group that matches the first name, the second name, and the third name is determined. If not, the similarity between the candidate name of the applicant, the candidate name of the beneficiary, and the candidate name of the issuing bank included in each issuing group and the first name, the second name, and the third name is determined. If there is an issuing group with a corresponding similarity exceeding a preset threshold, then a target issuing group that matches the first name, the second name, and the third name is determined.

[0160] In one possible implementation, the processing module 502 is specifically configured to, for each candidate name in each issuing group, determine whether the candidate name is any name in the name group of the corresponding role type; if so, determine the similarity corresponding to the candidate name as a first preset similarity; if not, determine the similarity between the candidate name and the name corresponding to the corresponding role type as the similarity corresponding to the candidate name; determine whether there are two first preset similarities among the determined similarities; if so, determine that each determined similarity is not a first preset similarity, and is the similarity between the candidate names of the applicant, beneficiary, and issuing bank included in the issuing group and the first name, the second name, and the third name; if not, determine the second preset similarity as the similarity between the candidate names of the applicant, beneficiary, and issuing bank included in the issuing group and the first name, the second name, and the third name; wherein, the second preset similarity is less than the preset threshold.

[0161] In one possible implementation, the processing module 502 is further configured to obtain each name carried in the approved historical letter of credit requests; wherein the name includes the applicant's name, the beneficiary's name, and the issuing bank's name; determine the similarity between each name using a preset algorithm, wherein the preset algorithm includes: edit distance algorithm and Jaccard similarity algorithm; and determine names whose corresponding similarity exceeds a preset similarity threshold as names belonging to the same name group.

[0162] In one possible implementation, the processing module 502 is further configured to, for each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in the letter of credit request; and determine the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

[0163] In one possible implementation, the processing module 502 is further configured to determine whether there is an issuing group in each saved issuing group that matches the name of the applicant, the name of the beneficiary, and the name of the issuing bank. If not, the subsequent step of determining the candidate name of the applicant, the candidate name of the beneficiary, and the candidate name of the issuing bank as names in the same issuing group is executed.

[0164] In one possible implementation, the processing module 502 is further configured to send the first name, the second name, and the third name to the preset device corresponding to the business personnel if no matching target certificate group is found.

[0165] In one possible implementation, the processing module 502 is further configured to, if it receives an approval instruction returned by the preset device, determine the first name, the second name and the third name as names in the same issuance group, and add the issuance group to each saved issuance group.

[0166] Example 10:

[0167] Figure 6 This application provides a schematic diagram of an electronic device structure based on an embodiment of the present application. In addition to the above embodiments, this application also provides an electronic device, such as... Figure 6 As shown, it includes: processor 601, communication interface 602, memory 603 and communication bus 604, wherein processor 601, communication interface 602 and memory 603 communicate with each other through communication bus 604.

[0168] The memory 603 stores a computer program, which, when executed by the processor 601, causes the processor 601 to perform the following steps:

[0169] Receive a letter of credit application, wherein the letter of credit application carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank;

[0170] Determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the applicant's candidate name, the beneficiary's candidate name and the issuing bank's candidate name;

[0171] If a matching target letter of credit group exists, the letter of credit request is approved.

[0172] Furthermore, the processor 601 is specifically used to determine whether there are candidate names of the applicant, beneficiary, and issuing bank included in any letter of credit group that correspond to the first name, the second name, and the third name.

[0173] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name.

[0174] Furthermore, the processor 601 is also configured to, if there are no candidate names of applicants, beneficiaries, and issuing banks included in any issuing group that correspond to the first name, the second name, and the third name, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs, based on the names belonging to the same name group that are stored in advance; and determine whether there are any candidate names of applicants included in any issuing group that correspond to any name in the applicant's name group, candidate names of beneficiaries included in any issuing group that correspond to any name in the beneficiary's name group, and candidate names of issuing banks included in any issuing group that correspond to any name in the issuing bank's name group.

[0175] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name;

[0176] If not, then determine the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank in each issuing group and the first name, the second name, and the third name. If there is an issuing group with a similarity exceeding a preset threshold, then determine that there is a target issuing group that matches the first name, the second name, and the third name.

[0177] Furthermore, the processor 601 is specifically used to determine for each candidate name in each issuance group whether the candidate name is any name in the name group of the corresponding role type. If so, the similarity corresponding to the candidate name is determined to be the first preset similarity. If not, the similarity between the candidate name and the name corresponding to the corresponding role type is determined to be the similarity corresponding to the candidate name.

[0178] Determine whether there are two first-preset similarities among the determined similarities;

[0179] If so, then determine the similarity that is not the first preset similarity among each of the determined similarities, which is the similarity between the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank included in the issuing group and the first name, the second name and the third name.

[0180] If not, the second preset similarity is determined to be the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in the letter of credit group and the first name, the second name, and the third name; wherein the second preset similarity is less than the preset threshold.

[0181] Furthermore, the processor 601 is also configured to obtain each name carried in the approved historical letter of credit requests; wherein the name includes the name of the applicant, the name of the beneficiary, and the name of the issuing bank;

[0182] The similarity between each name is determined using a preset algorithm, which includes: edit distance algorithm and Jaccard similarity algorithm; names whose similarity exceeds a preset similarity threshold are identified as belonging to the same name group.

[0183] Furthermore, the processor 601 is also configured to, for each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in the letter of credit request; and determine the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

[0184] Furthermore, the processor 601 is also used to determine whether there is an issuing group in each saved issuing group that matches the name of the applicant, the name of the beneficiary, and the name of the issuing bank. If not, the processor then performs the step of determining the candidate name of the applicant, the candidate name of the beneficiary, and the candidate name of the issuing bank as names in the same issuing group.

[0185] Furthermore, the processor 601 is also configured to send the first name, the second name, and the third name to the preset device corresponding to the business personnel if no matching target certificate group is found.

[0186] Furthermore, the processor 601 is also configured to, upon receiving an approval instruction returned by the preset device, determine the first name, the second name, and the third name as names in the same issuance group, and add the issuance group to each saved issuance group.

[0187] The communication bus mentioned in the above server can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. This communication bus can be divided into address bus, data bus, control bus, etc. For ease of illustration, only one thick line is used to represent it in the diagram, but this does not mean that there is only one bus or one type of bus.

[0188] The communication interface is used for communication between the aforementioned electronic devices and other devices.

[0189] The memory may include random access memory (RAM) or non-volatile memory (NVM), such as at least one disk storage device. Optionally, the memory may also be at least one storage device located remotely from the aforementioned processor.

[0190] The processors mentioned above can be general-purpose processors, including central processing units, network processors (NPs), etc.; they can also be digital signal processors (DSPs), application-specific integrated circuits, field-programmable gate arrays or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.

[0191] Example 11:

[0192] Based on the above embodiments, this application also provides a computer-readable storage medium storing a computer program executable by an electronic device. When the program is run on the electronic device, the electronic device performs the following steps:

[0193] The memory stores a computer program that, when executed by the processor, causes the processor to perform the following steps:

[0194] Receive a letter of credit application, wherein the letter of credit application carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank;

[0195] Determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the applicant's candidate name, the beneficiary's candidate name and the issuing bank's candidate name;

[0196] If a matching target letter of credit group exists, the letter of credit request is approved.

[0197] In one possible implementation, determining whether there exists a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name, and the third name includes:

[0198] Determine whether there exists a candidate name for the applicant, a candidate name for the beneficiary, and a candidate name for the issuing bank included in any of the issuing groups that corresponds to the first name, the second name, and the third name;

[0199] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name.

[0200] In one possible implementation, if no candidate name of the applicant, candidate name of the beneficiary, or candidate name of the issuing bank included in any of the issuing groups corresponds to the first name, the second name, and the third name, the method further includes:

[0201] Based on the pre-saved names belonging to the same name group, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs; determine whether there exists any applicant candidate name included in any issuing bank group that matches any name in the applicant's name group, a beneficiary candidate name included in any issuing bank group that matches any name in the beneficiary's name group, and an issuing bank candidate name included in any issuing bank's name group.

[0202] If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name;

[0203] If not, then determine the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank in each issuing group and the first name, the second name, and the third name. If there is an issuing group with a similarity exceeding a preset threshold, then determine that there is a target issuing group that matches the first name, the second name, and the third name.

[0204] In one possible implementation, determining the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in each issuing group and the first name, the second name, and the third name includes:

[0205] For each candidate name in each opening group, determine whether the candidate name is any name in the name group of the corresponding role type. If yes, determine the similarity of the candidate name as the first preset similarity. If no, determine the similarity between the candidate name and the name corresponding to the corresponding role type as the similarity of the candidate name.

[0206] Determine whether there are two first-preset similarities among the determined similarities;

[0207] If so, then determine the similarity that is not the first preset similarity among each of the determined similarities, which is the similarity between the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank included in the issuing group and the first name, the second name and the third name.

[0208] If not, the second preset similarity is determined to be the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in the letter of credit group and the first name, the second name, and the third name; wherein the second preset similarity is less than the preset threshold.

[0209] In one possible implementation, the names belonging to the same name group are determined in the following way:

[0210] Retrieve each name carried in the approved historical letter of credit requests; wherein the name includes the applicant's name, the beneficiary's name, and the issuing bank's name;

[0211] The similarity between each name is determined using a preset algorithm, which includes: edit distance algorithm and Jaccard similarity algorithm; names whose similarity exceeds a preset similarity threshold are identified as belonging to the same name group.

[0212] In one possible implementation, the issuing group is determined in the following way:

[0213] For each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank contained in the letter of credit request; and identify the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

[0214] In one possible implementation, after obtaining the candidate names of the applicant, the beneficiary, and the issuing bank carried in the letter of credit application, and before determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same letter of credit group, the method further includes:

[0215] Determine whether there exists an issuing group in each saved issuing group that matches the applicant's name, the beneficiary's name, and the issuing bank's name. If not, proceed with the step of determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same issuing group.

[0216] In one possible implementation, the method further includes:

[0217] If no matching target letter of credit group is found, the first name, the second name, and the third name will be sent to the preset device corresponding to the business personnel.

[0218] In one possible implementation, the method further includes:

[0219] If the approval instruction returned by the preset device is received, the first name, the second name and the third name are determined as names in the same issuance group, and the issuance group is added to each saved issuance group.

[0220] Example 12:

[0221] This application also provides a computer program product that, when executed by a computer, implements the data processing method described in any of the method embodiments applied to electronic devices.

[0222] In the above embodiments, implementation can be achieved, in whole or in part, through software, hardware, firmware, or any combination thereof, or in whole or in part, as a computer program product. The computer program product includes one or more computer instructions, which, when loaded and executed on a computer, generate, in whole or in part, the processes or functions described in the embodiments of this application.

[0223] In this embodiment of the application, when the electronic device reviews the applicant's first name, the beneficiary's second name, and the issuing bank's third name carried in the letter of credit request, it determines whether the review is approved based on whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name, and the third name, thereby improving the efficiency and accuracy of the review.

[0224] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0225] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to this application. It should be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0226] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0227] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0228] Obviously, those skilled in the art can make various modifications and variations to this application without departing from the spirit and scope of this application. Therefore, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application also intends to include such modifications and variations.

Claims

1. A data processing method, characterized in that, The method includes: Receive a letter of credit application, wherein the letter of credit application carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank; Determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the applicant's candidate name, the beneficiary's candidate name and the issuing bank's candidate name; If a matching target letter of credit group exists, the letter of credit request is approved. If none of the candidate names of the applicant, beneficiary, and issuing bank in any of the issuing groups correspond to the first name, the second name, and the third name, the method further includes: Based on the pre-saved names belonging to the same name group, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs; determine whether there exists any applicant candidate name included in any issuing bank group that matches any name in the applicant's name group, a beneficiary candidate name included in any issuing bank group that matches any name in the beneficiary's name group, and an issuing bank candidate name included in any issuing bank's name group. If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name; If not, determine the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank in each issuing group and the first name, the second name, and the third name. If there is an issuing group with a similarity exceeding a preset threshold, then determine that there is a target issuing group that matches the first name, the second name, and the third name. The determination of the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in each issuing group and the first name, the second name, and the third name includes: For each candidate name in each issuing group, determine whether the candidate name is any name in the name group corresponding to the role type, wherein the name group corresponding to the role type is the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs. If yes, then determine the similarity of the candidate name as the first preset similarity; otherwise, determine the similarity of the candidate name with the name corresponding to the role type as the similarity of the candidate name. Wherein, the name corresponding to the role type is the first name, the second name, or the third name. Determine whether there are two first-preset similarities among the determined similarities; If so, then determine the similarity that is not the first preset similarity among each of the determined similarities, which is the similarity between the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank included in the issuing group and the first name, the second name and the third name. If not, the second preset similarity is determined to be the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in the letter of credit group and the first name, the second name, and the third name; wherein the second preset similarity is less than the preset threshold.

2. The method according to claim 1, characterized in that, The step of determining whether there exists a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name, and the third name includes: Determine whether there exists a candidate name for the applicant, a candidate name for the beneficiary, and a candidate name for the issuing bank included in any of the issuing groups that corresponds to the first name, the second name, and the third name; If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name.

3. The method according to claim 1, characterized in that, The names belonging to the same name group are determined in the following way: Retrieve each name carried in the approved historical letter of credit requests; wherein the name includes the applicant's name, the beneficiary's name, and the issuing bank's name; The similarity between each name is determined using a preset algorithm, which includes: edit distance algorithm and Jaccard similarity algorithm; names whose similarity exceeds a preset similarity threshold are identified as belonging to the same name group.

4. The method according to any one of claims 1-3, characterized in that, The issuing group is determined in the following manner: For each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank contained in the letter of credit request; and identify the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

5. The method according to claim 4, characterized in that, After obtaining the candidate names of the applicant, beneficiary, and issuing bank carried in the letter of credit application, and before determining the candidate names of the applicant, beneficiary, and issuing bank as names in the same letter of credit group, the method further includes: Determine whether there exists an issuing group in each saved issuing group that matches the applicant's name, the beneficiary's name, and the issuing bank's name. If not, proceed with the step of determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same issuing group.

6. The method according to claim 1, characterized in that, The method further includes: If no matching target certificate group is found, the first name, the second name, and the third name will be sent to the preset device corresponding to the business personnel.

7. The method according to claim 6, characterized in that, The method further includes: If the approval instruction returned by the preset device is received, the first name, the second name and the third name are determined as names in the same issuance group, and the issuance group is added to each saved issuance group.

8. A data processing apparatus, characterized in that, The device includes: A receiving module is used to receive a letter of credit issuance request, wherein the letter of credit issuance request carries the first name of the applicant, the second name of the beneficiary, and the third name of the issuing bank; The processing module is used to determine whether there is a target letter of credit group in each pre-saved letter of credit group that matches the first name, the second name and the third name, wherein each letter of credit group includes the candidate name of the applicant, the candidate name of the beneficiary and the candidate name of the issuing bank; The determination module is used to determine whether the letter of credit application is approved if a matching target letter of credit group exists. The processing module is further configured to: if no candidate name of the applicant, candidate name of the beneficiary, and candidate name of the issuing bank in any issuing group corresponds to the first name, the second name, and the third name, determine the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs, based on the names belonging to the same name group that are pre-saved; determine whether any issuing group contains a candidate name of the applicant that matches any name in the applicant's name group, a candidate name of the beneficiary that matches any name in the beneficiary's name group, and a candidate name of the issuing bank that matches any name in the issuing bank's name group; if yes, determine that there exists a target issuing group that matches the first name, the second name, and the third name; if no, determine the similarity between the candidate name of the applicant, the candidate name of the beneficiary, and the candidate name of the issuing bank in each issuing group and the first name, the second name, and the third name; if there exists an issuing group with a similarity exceeding a preset threshold, determine that there exists a target issuing group that matches the first name, the second name, and the third name. The processing module is specifically used to determine, for each candidate name in each issuing group, whether the candidate name is any name in the name group corresponding to the role type, wherein the name group corresponding to the role type is the name group of the applicant to which the first name belongs, the name group of the beneficiary to which the second name belongs, and the name group of the issuing bank to which the third name belongs. If yes, the similarity corresponding to the candidate name is determined to be a first preset similarity; otherwise, the similarity between the candidate name and the name corresponding to the role type is determined to be the similarity corresponding to the candidate name. The name corresponding to the role type is the first name, the second name, or the name group corresponding to the role type. The third name; determine whether there are two first preset similarities among the determined similarities; if so, determine that each determined similarity is not a first preset similarity, and is the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in the issuing group and the first name, the second name, and the third name; if not, determine the second preset similarity as the similarity between the candidate names of the applicant, the candidate names of the beneficiary, and the candidate names of the issuing bank included in the issuing group and the first name, the second name, and the third name; wherein, the second preset similarity is less than the preset threshold.

9. The apparatus according to claim 8, characterized in that, The processing module is specifically used to determine whether there are candidate names of the applicant, beneficiary, and issuing bank included in any letter of credit group that correspond to the first name, the second name, and the third name. If so, then it is determined that there exists a target issuing group that matches the first name, the second name, and the third name.

10. The apparatus according to claim 8, characterized in that, The processing module is further configured to obtain each name carried in the approved historical letter of credit requests; wherein the name includes the applicant's name, the beneficiary's name, and the issuing bank's name; determine the similarity between each name using a preset algorithm, wherein the preset algorithm includes: edit distance algorithm and Jaccard similarity algorithm; and determine names whose similarity exceeds a preset similarity threshold as names belonging to the same name group.

11. The apparatus according to any one of claims 8-10, characterized in that, The processing module is also used to, for each approved historical letter of credit request, obtain the name of the applicant, the name of the beneficiary, and the name of the issuing bank carried in the letter of credit request; and determine the name of the applicant, the name of the beneficiary, and the name of the issuing bank as names in the same letter of credit group.

12. The apparatus according to claim 11, characterized in that, The processing module is further configured to determine whether there is an issuing group in each saved issuing group that matches the name of the applicant, the name of the beneficiary, and the name of the issuing bank. If not, the module then executes the subsequent step of determining the candidate names of the applicant, the beneficiary, and the issuing bank as names in the same issuing group.

13. The apparatus according to claim 8, characterized in that, The processing module is further configured to send the first name, the second name, and the third name to the preset device corresponding to the business personnel if no matching target certificate group is found.

14. The apparatus according to claim 13, characterized in that, The processing module is further configured to, if it receives an approval instruction returned by the preset device, determine the first name, the second name and the third name as names in the same issuance group, and add the issuance group to each saved issuance group.

15. An electronic device, characterized in that, The electronic device includes at least a processor and a memory, the processor being configured to execute a computer program stored in the memory to implement the steps of the data processing method as described in any one of claims 1-7.

16. A computer-readable storage medium, characterized in that, It stores a computer program that, when executed by a processor, implements the steps of the data processing method as described in any one of claims 1-7.

17. A computer program product, characterized in that, Its computer program product includes: computer program code, which, when run on a computer, causes the computer to perform the steps of the data processing method as described in any one of claims 1-7.

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