A data processing method and apparatus

Abstract

The application discloses a data processing method and device, and relates to the technical field of big data processing. A specific embodiment of the method comprises the following steps: receiving a service processing request, obtaining a first account and to-be-processed data in the service processing request, and determining a customer number corresponding to the first account; querying an account list corresponding to the customer number, obtaining account data of each account in the account list, and loading processing control parameters corresponding to the account data of the first account; in response to successful loading, determining to call a first processing control logic, or in response to failed loading, determining to call a preset second processing control logic; processing the account data of each account to obtain a processing mode for the to-be-processed data, determining a second account associated with the first account, and writing the to-be-processed data from the first account to the second account by using the processing mode. The embodiment starts from the customer dimension, analyzes loan information to determine the processing mode, and realizes controllable management of the fund flow direction.

Description

Technical Field

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

[0002] With the advancement of internet access, the financial industry is accelerating its digital transformation, leading to the further development of online lending. While the speed and convenience of online services bring benefits to customers, their virtual and flexible nature also poses challenges for fund supervision. Therefore, strengthening fund supervision to ensure the compliance of fund flows while promoting the speed of fund movement is a key means to safeguard the healthy development of the financial ecosystem. However, current fund supervision is designed at the loan account level, lacking sufficient control over the customer level and failing to meet current market demands. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a data processing method and apparatus that can at least solve the problem that the existing technology of fund supervision is designed at the loan account level, which has insufficient control over the customer level.

[0004] To achieve the above objectives, according to one aspect of the present invention, a data processing method is provided, comprising:

[0005] Receive a business processing request, obtain the first account and data to be processed in the business processing request, and determine the customer number corresponding to the first account;

[0006] Query the list of accounts corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account;

[0007] In response to the success of loading the processing control parameters, the first processing control logic corresponding to the processing control parameters is invoked; or in response to the failure of loading the processing control parameters, the preset second processing control logic is invoked.

[0008] The system invokes either a first or second processing control logic to process the account data of each account, obtains a processing method for the data to be processed, determines a second account associated with the first account, and uses the processing method to write the data to be processed from the first account to the second account.

[0009] Optionally, after obtaining the first account and the data to be processed in the business processing request, the method further includes:

[0010] In response to the verification that the data to be processed is empty or zero, or that the first account is empty or one of the following, if it is determined that the request data verification has failed, a request business processing failure message is returned.

[0011] Optionally, the invocation of the determined first or second processing control logic to process the account data of each account and obtain the processing method for the data to be processed includes:

[0012] The first processing control logic is invoked to filter the account list, resulting in a new account list; the processed data for each account in the new account list is obtained and accumulated, and the accumulated processed data is added to the data to be processed to obtain a first total data; the data limit in the processing control parameters is obtained, and the processing method is determined based on the relationship between the data limit and the first total data; or

[0013] The second processing control logic is invoked to obtain the current processed data for each account in the account list and accumulate it. The accumulated processed data and the data to be processed are added together to obtain the second total data. A preset data limit is obtained, and the processing method is determined according to the relationship between the preset data limit and the second total data.

[0014] Optionally, determining the processing method based on the relationship between the data limit and the size of the first total data includes:

[0015] In response to the data limit being greater than or equal to the first total data, the processing method is determined to be the first processing method; or

[0016] In response to the data limit being less than the first total data, the processing method is determined to be the second processing method.

[0017] Optionally, determining the processing method based on the relationship between the preset data limit and the second total data includes:

[0018] If the preset data limit is greater than or equal to the second total data, the processing method is determined to be the first processing method; or if the preset data limit is less than the second total data, the processing method is determined to be the second processing method.

[0019] Optionally, the method further includes:

[0020] If the processing method is determined to be the first processing method, the private account under the second account will be used as the target second account for writing the data to be processed.

[0021] If the processing method is determined to be the second processing method, the corporate account under the second account is used as the target second account for writing the data to be processed.

[0022] Optionally, the step of using the corporate account under the second account as the target second account for writing the data to be processed includes: in response to the number of corporate accounts being multiple, returning multiple corporate accounts to receive a selection operation for one of the corporate accounts, and using the selected corporate account as the target second account;

[0023] The step of using the private account under the second account as the target second account for writing the data to be processed includes: in response to the number of private accounts being multiple, returning multiple private accounts to receive a selection operation for one of the private accounts, and using the selected private account as the target second account.

[0024] Optionally, the processing control parameters include one or more parameters from the following dimensions: customer dimension, legal entity dimension, branch dimension, product dimension, credit dimension, filtering conditions, limit dimension, and time dimension.

[0025] To achieve the above objectives, according to another aspect of the present invention, a data processing apparatus is provided, comprising:

[0026] The receiving module is used to receive a business processing request, obtain the first account and the data to be processed in the business processing request, and determine the customer number corresponding to the first account.

[0027] The query module is used to query the list of accounts corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account.

[0028] The processing module is configured to, in response to the success of loading the processing control parameters, determine to invoke the first processing control logic corresponding to the processing control parameters; or in response to the failure of loading the processing control parameters, determine to invoke the preset second processing control logic.

[0029] The writing module is used to call a determined first processing control logic or a second processing control logic to process the account data of each account, obtain the processing method for the data to be processed, determine the second account associated with the first account, and use the processing method to write the data to be processed from the first account to the second account.

[0030] Optionally, the receiving module is further configured to:

[0031] In response to the verification that the data to be processed is empty or zero, or that the first account is empty or one of the following, if it is determined that the request data verification has failed, a request business processing failure message is returned.

[0032] Optionally, the processing module is used for:

[0033] The first processing control logic is invoked to filter the account list, resulting in a new account list; the processed data for each account in the new account list is obtained and accumulated, and the accumulated processed data is added to the data to be processed to obtain a first total data; the data limit in the processing control parameters is obtained, and the processing method is determined based on the relationship between the data limit and the first total data; or

[0034] The second processing control logic is invoked to obtain the current processed data for each account in the account list and accumulate it. The accumulated processed data and the data to be processed are added together to obtain the second total data. A preset data limit is obtained, and the processing method is determined according to the relationship between the preset data limit and the second total data.

[0035] Optionally, the processing module is used for:

[0036] In response to the data limit being greater than or equal to the first total data, the processing method is determined to be the first processing method; or

[0037] In response to the data limit being less than the first total data, the processing method is determined to be the second processing method.

[0038] Optionally, the processing module is used for:

[0039] In response to the preset data limit being greater than or equal to the second total data, the processing method is determined to be the first processing method; or

[0040] In response to the preset data limit being less than the second total data, the processing method is determined to be the second processing method.

[0041] Optionally, the writing module is used for:

[0042] If the processing method is determined to be the first processing method, the private account under the second account will be used as the target second account for writing the data to be processed.

[0043] If the processing method is determined to be the second processing method, the corporate account under the second account is used as the target second account for writing the data to be processed.

[0044] Optionally, the writing module is used for:

[0045] In response to the presence of multiple corporate accounts, multiple corporate accounts are returned to receive a selection operation for one of the corporate accounts, and the selected corporate account is used as the target second account;

[0046] In response to the existence of multiple private accounts, multiple private accounts are returned to receive a selection operation for one of the private accounts, and the selected private account is used as the target second account.

[0047] Optionally, the processing control parameters include one or more parameters from the following dimensions: customer dimension, legal entity dimension, branch dimension, product dimension, credit dimension, filtering conditions, limit dimension, and time dimension.

[0048] To achieve the above objectives, according to another aspect of the present invention, a data processing electronic device is provided.

[0049] An electronic device according to an embodiment of the present invention includes: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any of the data processing methods described above.

[0050] To achieve the above objectives, according to another aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements any of the data processing methods described above.

[0051] To achieve the above objectives, according to another aspect of the present invention, a computing program product is provided. One computing program product of the present invention includes a computer program, which, when executed by a processor, implements the data processing method provided in the present invention.

[0052] According to the solution provided by the present invention, one embodiment of the above invention has the following advantages or beneficial effects: the front-end design allows the customer to input a first account and data to be processed, while the back-end includes data verification, account data query, query processing control parameters, calling the corresponding processing logic based on the query results, deducting the amount, and disbursing funds. The whole system starts from the customer number, analyzes the loan information already applied for by the customer to determine the corresponding processing control logic, and determines the payment method for the amount of funds applied for by the customer based on the processing control logic. The overall operation is decoupled from the application system, abstracts a processing method matching model, refines the scenario in different dimensions, and flexibly configures it in a parameterized form, so as to achieve the goal of making the flow of funds manageable and controllable from the customer's perspective.

[0053] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0054] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0055] Figure 1 This is a schematic diagram of the main flow of a data processing method according to an embodiment of the present invention;

[0056] Figure 2This is a flowchart illustrating an optional data processing method according to an embodiment of the present invention;

[0057] Figure 3 This is a flowchart illustrating another optional data processing method according to an embodiment of the present invention;

[0058] Figure 4 This is a schematic diagram of the main modules of a data processing device according to an embodiment of the present invention;

[0059] Figure 5 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0060] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing the embodiments of the present invention, such as a mobile device or server. Detailed Implementation

[0061] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0062] It should be noted that, unless otherwise specified, the embodiments and features described in the embodiments of this invention can be combined with each other. The collection, analysis, use, transmission, and storage of data (such as user personal information) in the technical solutions of this application comply with relevant laws and regulations, do not violate public order and good morals, are used for legitimate and reasonable purposes, and are not shared, disclosed, or sold outside of these legitimate uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken to prevent unauthorized access to such personal information data, ensure that personnel authorized to access personal information data comply with relevant laws and regulations, and ensure the security of user personal information. Once such user personal information data is no longer needed, the risk should be minimized by restricting or even prohibiting data collection and / or deleting the data. When applicable, including in certain relevant applications, user privacy may be protected by de-identifying data, such as by removing specific identifiers (e.g., date of birth), controlling how data is stored, and / or by other methods.

[0063] Previously, market activity was low, and credit scenarios were fixed (mostly mortgages, auto loans, and corporate loans; access to personal consumer loans, micro and small enterprise loans, and farmer loans accompanying rural revitalization financial policies in recent years was low). Fund flows were also fixed, resulting in low demand for fund supervision. The reduced demand for fund flows is primarily limited by front-end business rules or incorporated into product design, thus only supporting product-level control and unable to be refined to deeper dimensions such as industry sectors or branches, failing to meet market demands. Furthermore, the previous method of restricting funds through business rules, with its high coupling with digital systems, often resulted in untimely responses to market feedback.

[0064] Taking car loans as an example, bank loan officers require customers to provide documents such as vehicle registration, insurance certificates, and tax payment certificates. These documents prove that the loan funds applied for by the customer are used to purchase a car and not for other purposes, that the flow of funds is consistent with the customer's description, and that it complies with regulatory requirements. These supporting documents are pre-written in the rules and restrictions of the car loan product, and customers must provide these documents to apply for a loan.

[0065] Taking agricultural loans as an example, if a customer applies for a loan to rent farmland from other farmers, but after the funds are disbursed to the customer's account, it is discovered that the funds have been used for purposes such as buying a house, which is inconsistent with the actual use and constitutes a violation. However, local governments encourage agricultural development by providing low-interest loans to farmers. The loan funds are intended for farmers to buy seeds, fertilizers, feed, rent farmland, and build greenhouses. How can we ensure that this money is not diverted to the securities market, used to purchase wealth management products, or used for loan repayments? If bank loan officers ask farmers to provide invoices, receipts, supply lists, and other materials, it is difficult for farmers with limited knowledge to do so, hindering the progress of the loan application.

[0066] See Figure 1 The diagram shows the main flowchart of a data processing method provided by an embodiment of the present invention, which includes the following steps:

[0067] S101: Receive a business processing request, obtain the first account and data to be processed in the business processing request, and determine the customer number corresponding to the first account;

[0068] S102: Query the account list corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account;

[0069] S103: In response to the successful loading of the processing control parameters, determine to invoke the first processing control logic corresponding to the processing control parameters;

[0070] S104: In response to the failure to load the processing control parameters, determine to invoke the preset second processing control logic;

[0071] S105: Invoke the determined first processing control logic or second processing control logic to process the account data of each account, obtain the processing method for the data to be processed, determine the second account associated with the first account, and use the processing method to write the data to be processed from the first account to the second account.

[0072] In the above implementation methods, as new scenarios such as consumer loans, inclusive loans for micro and small enterprises, and loans to farmers become more active, product variety increases, and market size expands, market feedback indicates a further increase in the demand for fund supervision. This solution is mainly applicable to supervision scenarios for loans with quota restrictions, such as loans to farmers and individual businesses. It does not impose restrictions on loans without quota restrictions, such as car loans and mortgages.

[0073] For step S101, the loan disbursement request (i.e., business processing request) is initiated by the front-end channel, which can be either online or offline. Online channels include bank mobile phones, bank websites, and third-party apps. The front-end has a pre-set loan disbursement interface. Customers log in to the interface by entering their username (e.g., ID number, mobile phone number) and password, which displays all loan accounts under their name. Typically, one loan corresponds to one loan account, such as car loan - loan account 1, mortgage loan - loan account 2, and farmer loan - loan account 3. Customers can click on loan account 3, enter the disbursement amount (e.g., 50,000 RMB, where 50,000 represents ten thousand RMB), and then click the disbursement option. This generates a loan disbursement request based on loan account 3 (the first account) and the disbursement amount of 50,000 RMB (the data to be processed), which is then sent from the front-end to the back-end. Offline channels, such as bank branches, involve a salesperson assisting the customer in completing the above operations.

[0074] After receiving the loan disbursement request from the frontend, the backend first retrieves the loan account and disbursement amount from the request to verify whether the loan account is empty or the disbursement amount is empty or 0. If any of these conditions are met, the data verification fails, and a loan disbursement failure message is returned to the customer's loan disbursement interface. It's important to note that this is a technical verification, not a business verification. Business-wise, the data is usually not empty, but dirty data may be generated due to intrusion, tampering, network jitter, packet loss, or system crashes. Dirty data refers to data in the source system that is outside the given range, meaningless for the actual business, or in an illegal format, or contains non-standard coding and ambiguous business logic.

[0075] For step S102, if the request data verification is successful, the backend determines the customer number based on the loan account in the loan disbursement request to obtain the corresponding loan account list (i.e., account list). Here, the primary borrower's customer number is preferred. When applying for a loan, customers typically set up a primary borrower, co-borrowers, guarantors, etc. Taking Zhang San as the primary borrower as an example, co-borrowers could be Zhang San's wife, Zhang San's parents, etc., and guarantors could be Zhang San's friend Li Si, etc. These need to be bound when Zhang San creates the loan account during the loan application process. Subsequent logins to the loan disbursement interface also use Zhang San's mobile phone number and ID number.

[0076] As described above, a customer may apply for multiple loans, such as mortgages, car loans, and agricultural loans. Therefore, the loan account list represents how many loans the customer has taken out from the bank. The account data for each loan account in the loan account list is retrieved from the database of the backend system. This account data includes, but is not limited to, product number, credit channel, branch number, legal representative, and amount disbursed. Parallel retrieval is preferred to accelerate the acquisition of overall account data.

[0077] Among them, the legal entity dimension is distinguished by country and region. Credit granting channels: The bank's credit system grants loan limits to customers based on their credit data. For example, if a company reports 100,000 yuan in taxes every month, the credit system may grant the customer a loan limit of 1 million yuan based on this data. This credit granting method is tax data credit granting; if a farmer owns 100 mu of arable land, he may be granted a loan limit of 1 million yuan. This credit granting method is arable land data credit granting.

[0078] It should be noted that the products are divided into car loan products, mortgage products, farmer loan products, and individual business loan products, etc. Each product needs to be set with multiple product numbers according to actual needs. Therefore, one product may correspond to multiple credit channels. For example, the farmer loan product is divided into land, greenhouse, fish pond, and pig farming. The credit channel for land is cash flow credit, the credit channel for greenhouses and fish ponds is purchase order credit, and the credit channel for pig farming is delivery order credit.

[0079] For steps S103-S104, assuming the customer number is 41101, the loan account list includes three loans: a car loan, a mortgage, and a farmer's loan, the customer selects the farmer's loan, and the loan account number for the farmer's loan is 80aaa. Based on the first digit 80 of the account number, the branch number is determined to be Shenzhen branch. The legal representative in the loan account details is located within China, the product number for the farmer's loan is X, and the credit granting channel is cash flow credit. Based on X + cash flow credit + Shenzhen branch + within China, the payment control parameters (i.e., processing control parameters) corresponding to the loan account number 80aaa are retrieved.

[0080] Payment control parameters include one or more of the following dimensions: customer, legal entity, branch, product, credit, filtering conditions, limit, and time. 1) Customer dimension: distinct from single loan or single product dimensions; 2) Legal entity dimension: differentiated by country / region; 3) Branch dimension: each first-tier branch under the legal entity, such as Guangdong branch, Shanghai branch, Beijing branch, and Sichuan branch; 4) Product dimension: credit product model design, such as Shenzhen Cloud Loan product and personal short-term housing loans; 5) Credit dimension: the method of obtaining credit limits for loans, such as credit based on cultivated land area or credit based on tax data; 6) Filtering conditions: mainly business rules, further refining the scope of supervision, such as business restrictions on cultivated land area-based loans, limiting the credit limit obtained from cultivated land area credit to only be used for seed or fertilizer merchants, while customer mortgages, car loans, etc., are not restricted; 7) Limit dimension: limits the total amount of this or cumulative disbursement; if the limit is exceeded, a designated payment method is used; 8) Time dimension: the effective period of this business rule.

[0081] It should be noted that payment control parameters can be configured through parameterization, theoretically resulting in an infinite number of possibilities. If the payment control parameters are successfully retrieved, the corresponding payment control logic (i.e., the first processing control logic) is invoked to process the account data for mortgages, auto loans, and agricultural loans in the loan account list corresponding to customer number 41101, thus obtaining the payment method (i.e., the processing method) for this disbursement amount. However, if retrieval fails, to ensure the process proceeds smoothly without errors, a default payment control parameter will be returned, preferably a default limit. This default limit will then be used to process the account data for each loan account in the loan list (i.e., the preset second processing control logic), obtaining the payment method for this disbursement amount. See below for details. Figure 2 As shown in the description.

[0082] For step S105, when a customer applies for a loan, after generating a loan account, it is necessary to bind the loan account to the customer's deposit account (i.e., the second account). For example, for a certain loan, when a customer applies for a loan, they enter a personal China Construction Bank card, a personal China Merchants Bank card, a corporate P account, and a corporate Q account. These four cards are the deposit accounts associated with the loan. When a customer withdraws the loan, they usually only deposit the loan funds into one of the accounts.

[0083] From the system's database, retrieve the deposit accounts associated with the loan account in the loan disbursement request, such as a personal China Construction Bank card, a personal China Merchants Bank card, a corporate P account, and a corporate Q account. Obtain the account data for each account, such as card number, bank code, and affiliated institution code. Different payment methods correspond to different cards, which can be selected by the customer or determined by the system. Then, transfer the disbursement amount from the loan account to the deposit account. For example, if the customer selects deposit account 621bbb, the disbursement amount of 50,000 will be transferred from loan account 80aaa to deposit account 621bbb.

[0084] The method provided in the above embodiments, by analyzing the current product business design and market hotspots, abstracts an adaptive matching model for processing methods, realizes the refinement of different dimensions of scenarios according to the processing control parameters of the model, and has the advantage of flexible parameter configuration, so as to achieve the goal of manageable and controllable product fund flow.

[0085] See Figure 2 The diagram illustrates an optional data processing method according to an embodiment of the present invention, including the following steps:

[0086] S201: Receive a business processing request, obtain the first account and data to be processed in the business processing request, and determine the customer number corresponding to the first account;

[0087] S202: Query the account list corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account;

[0088] S203: In response to the successful loading of the processing control parameters, the first processing control logic corresponding to the processing control parameters is invoked to filter the account list and obtain a new account list;

[0089] S204: Obtain the current processed data for each account in the new account list and accumulate it. Add the accumulated processed data and the data to be processed to obtain the first total data.

[0090] S205: Obtain the data limit in the processing control parameters, and determine the processing method based on the relationship between the data limit and the size of the first total data;

[0091] S206: In response to the failure of loading the processing control parameters, the preset second processing control logic is invoked to obtain the current processed data of each account in the account list and accumulate it. The accumulated processed data and the data to be processed are added together to obtain the second total data.

[0092] S207: Obtain a preset data limit, and determine the processing method based on the relationship between the preset data limit and the second total data.

[0093] S208: Determine a second account associated with the first account, and use the processing method to write the data to be processed from the first account to the second account.

[0094] In the above embodiments, for steps S201, S202, and S208, please refer to... Figure 1 The description shown will not be repeated here.

[0095] Self-payment and entrusted payment are two ways to use loan funds for payment. When the loan is disbursed, the customer can choose any payment account for self-payment; when the customer's choice of payment account is limited, it is entrusted payment.

[0096] Self-payment: This means the borrower can use the loan funds at their own discretion without bank approval. However, if the borrower uses the loan funds in violation of the loan agreement, the bank has the right to recover the funds at any time. Entrusted payment: This means the lender, based on the borrower's withdrawal application and payment authorization, pays the loan funds to the borrower's designated transaction counterparty for the purpose stipulated in the contract. This aims to reduce the risk of loan misappropriation. Each use of funds requires bank review; only funds used for the intended loan purpose can be used, and those not used for the intended loan purpose cannot be used.

[0097] The biggest difference between "self-payment" and "entrusted payment" lies in the addition of a "bank review of the loan funds' intended use" step before the loan is disbursed, thus binding the loan funds to their intended purpose. This binding restricts the borrower's "free" use of the loan funds, effectively addressing the issue of misappropriation of loan funds.

[0098] It should be noted that the payment methods provided in this plan include self-payment, entrusted payment, loan-to-deposit, village-to-deposit, and contract payment. Different payment methods correspond to different regulatory requirements. Self-payment and entrusted payment are preferred as examples for explanation.

[0099] For steps S203-S205, if the payment control parameters are successfully obtained, the loan account list is filtered according to the payment control parameters based on dimensions such as legal person, branch, product code, credit method, filtering conditions, limit, normal payment method, over-limit payment method, and effective time. Example: Domestic, Shenzhen branch, 4715 product, tax data credit, only restricts loans based on customer tax credit or cash flow credit, limit 500,000, self-payment, entrusted payment, 20220705. This yields the filtered list of new loan accounts (i.e., the new account list). If the list contained 8 loan accounts before filtering, only 5 loan accounts remain after filtering.

[0100] Retrieve the current amount already spent (i.e., processed data) for each of the five loan accounts. For example, loan account A - 100,000, loan account B - 50,000, loan account C - 30,000, loan account D - 150,000, and loan account E - 100,000. The total amount already spent is 100,000 + 50,000 + 30,000 + 150,000 + 100,000 = 430,000. Add the loan amount of 50,000 spent this time to get the total amount spent (i.e., the first total data) of 480,000.

[0101] Payment control parameters also include balance limits (i.e., data limits). For example, if a bank grants a customer a credit line of 1 million to build a plastic greenhouse, and the customer has already withdrawn 500,000 to their personal card, withdrawing 510,000 would exceed the limit. Withdrawals to the personal card are now permitted only to the corporate card, and the balance limit would be 500,000. Assuming a balance limit of 500,000, since 500,000 > 480,000, the personal payment method is determined to be self-payment. Assuming a balance limit of 400,000, since 400,000 < 480,000, the personal payment method is determined to be entrusted payment.

[0102] For steps S206-S207, the amount already disbursed is different from the principal amount. For example, if a loan account has a bank loan of 500,000 (principal amount of 500,000), and the customer repays 100,000, the current principal amount is 400,000. During this process, the customer can apply for disbursement multiple times, such as disbursing 100,000 the first time, 50,000 the second time, and 30,000 the third time.

[0103] There are several reasons why obtaining payment control parameters might fail. For example, the user might select a loan without a set limit, such as a mortgage or car loan, or a new product loan without a set limit, such as a cross-border loan. Successfully obtaining payment control parameters can be considered a precise query. If the query fails, a fuzzy query will be used to obtain the default limit (i.e., the preset data limit). The default limit serves the same purpose as the aforementioned balance limit.

[0104] As described above, assuming the loan account list includes 8 loan accounts, and the current amount spent on each loan account is: Loan Account A - 100,000, Loan Account B - 50,000, Loan Account C - 30,000, Loan Account D - 150,000, Loan Account E - 100,000, Loan Account F - 20,000, Loan Account G - 40,000, and Loan Account H - 30,000, the total amount spent is 100,000 + 50,000 + 30,000 + 150,000 + 100,000 + 20,000 + 40,000 + 30,000 = 520,000. After adding up the 50,000 spent this time, the total amount spent (i.e., the second total data) is 570,000.

[0105] Assuming the default limit is 500,000, since 500,000 < 570,000, the personal payment method is confirmed as entrusted payment. Assuming the default limit is 600,000, since 600,000 > 570,000, the personal payment method is confirmed as self-payment. Alternatively, default preset payment methods can be set; all can be self-payment or all can be entrusted payment, depending on the staff's settings.

[0106] Regardless of whether obtaining payment control parameters is successful or not, the remaining available credit limit needs to be calculated, although the required parameters differ between the two scenarios. For example, if obtaining payment control parameters is successful, the balance limit is 500,000, and the currently accumulated spent amount is 480,000, therefore the remaining available credit limit is 20,000. If obtaining payment control parameters fails, the default limit is 600,000, and the currently accumulated spent amount is 570,000, therefore the remaining available credit limit is 30,000. In some cases, frozen amounts also need to be considered. For example, if the total limit is 1,000,000, 500,000 is spent, and 200,000 is frozen, the available credit limit is 300,000.

[0107] The method provided in the above embodiments allows payment control parameters to be configured by business personnel as needed, enables multi-dimensional design to achieve scenario segmentation, and the configuration scheme takes effect in real time to reflect market changes more quickly; different payment control logics yield different results, achieving a deeper level of meeting market needs, being business-friendly, and effectively improving the market's ability to supervise data.

[0108] See Figure 3 The diagram illustrates another optional data processing method according to an embodiment of the present invention, including the following steps:

[0109] S301: Receive a business processing request, obtain the first account and data to be processed in the business processing request, and determine the customer number corresponding to the first account;

[0110] S302: Query the account list corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account;

[0111] S303: In response to the successful loading of the processing control parameters, determine to invoke the first processing control logic corresponding to the processing control parameters;

[0112] S304: In response to the failure to load the processing control parameters, determine to invoke the preset second processing control logic;

[0113] S305: Call the determined first processing control logic or second processing control logic to process the account data of each account and obtain the processing method for the data to be processed;

[0114] S306: Determine the second account associated with the first account;

[0115] S307: If the processing method is determined to be the first processing method, the over-limit flag is set to the first value, and the private account under the second account is used as the target second account for writing the data to be processed.

[0116] S308: If the processing method is determined to be the second processing method, the over-limit flag is set to the second value, and the corporate account under the second account is used as the target second account for writing the data to be processed;

[0117] S309: Using the processing method described above, the data to be processed is written from the first account to the target second account.

[0118] In the above embodiments, for steps S301~S306 and S309, please refer to... Figure 1 and Figure 2 The description shown is not repeated here.

[0119] For steps S307 and S308, the over-limit flag set in this scheme is used to control whether the loan is disbursed to a corporate account or a personal account. When the over-limit flag is 0 (i.e., the first value), it indicates that the loan can be deposited into a personal account, i.e., a personal account, such as the aforementioned personal China Construction Bank card or personal China Merchants Bank card. When the over-limit flag is 1 (i.e., the second value), it indicates that the loan can only be used on a corporate account, such as the aforementioned corporate P account or corporate Q account. These have other uses in regulatory reporting, loan collection, and data analysis, which will not be described in detail here.

[0120] Taking entrusted payment as an example, assuming there are multiple corporate accounts under the deposit account, the system needs to return information to the front end for the customer to choose which corporate account to deposit the current withdrawal amount into. Specifically, the multiple corporate accounts under the deposit account can be returned to the customer's deposit and loan disbursement interface. For example, if a restaurant owner applies for a 100,000 RMB loan for renovations, the loan funds must be disbursed to the restaurant's company account, not to a personal card. If there are two company accounts, these two company accounts can be sent to the customer, who can then choose one as the deposit account. The same principle applies to self-payment, and will not be elaborated upon here.

[0121] The method provided in the above embodiments uses different types of accounts as storage accounts for different processing methods. Combined with the aforementioned strategy for determining the processing method, an adaptive matching model is constructed to achieve decoupling from the application system, thereby improving response speed, shortening processing time, and better conforming to the design and development of actual business models.

[0122] See Figure 4 The diagram shows a schematic representation of the main modules of a data processing apparatus 400 provided in an embodiment of the present invention, including:

[0123] Receiving module 401 is used to receive a business processing request, obtain the first account and the data to be processed in the business processing request, and determine the customer number corresponding to the first account.

[0124] The query module 402 is used to query the account list corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account.

[0125] Processing module 403 is configured to, in response to the success of loading the processing control parameters, determine to invoke the first processing control logic corresponding to the processing control parameters; or in response to the failure of loading the processing control parameters, determine to invoke the preset second processing control logic.

[0126] The writing module 404 is used to call a determined first processing control logic or a second processing control logic to process the account data of each account, obtain the processing method for the data to be processed, determine the second account associated with the first account, and use the processing method to write the data to be processed from the first account to the second account.

[0127] In the apparatus of the present invention, the receiving module 401 is further configured to:

[0128] In response to the verification that the data to be processed is empty or zero, or that the first account is empty or one of the following, if it is determined that the request data verification has failed, a request business processing failure message is returned.

[0129] In the apparatus of this invention, the processing module 403 is used for:

[0130] The first processing control logic is invoked to filter the account list, resulting in a new account list; the processed data for each account in the new account list is obtained and accumulated, and the accumulated processed data is added to the data to be processed to obtain a first total data; the data limit in the processing control parameters is obtained, and the processing method is determined based on the relationship between the data limit and the first total data; or

[0131] The second processing control logic is invoked to obtain the current processed data for each account in the account list and accumulate it. The accumulated processed data and the data to be processed are added together to obtain the second total data. A preset data limit is obtained, and the processing method is determined according to the relationship between the preset data limit and the second total data.

[0132] In the apparatus of this invention, the processing module 403 is used for:

[0133] In response to the data limit being greater than or equal to the first total data, the processing method is determined to be the first processing method; or

[0134] In response to the data limit being less than the first total data, the processing method is determined to be the second processing method.

[0135] In the apparatus of this invention, the processing module 403 is used for:

[0136] In response to the preset data limit being greater than or equal to the second total data, the processing method is determined to be the first processing method; or

[0137] In response to the preset data limit being less than the second total data, the processing method is determined to be the second processing method.

[0138] In the apparatus of this invention, the writing module 404 is used for:

[0139] If the processing method is determined to be the first processing method, the private account under the second account will be used as the target second account for writing the data to be processed.

[0140] If the processing method is determined to be the second processing method, the corporate account under the second account is used as the target second account for writing the data to be processed.

[0141] In the apparatus of this invention, the writing module 404 is used for:

[0142] In response to the presence of multiple corporate accounts, multiple corporate accounts are returned to receive a selection operation for one of the corporate accounts, and the selected corporate account is used as the target second account;

[0143] In response to the existence of multiple private accounts, multiple private accounts are returned to receive a selection operation for one of the private accounts, and the selected private account is used as the target second account.

[0144] In the apparatus of this invention, the processing control parameters include one or more parameters from the following dimensions: customer dimension, legal entity dimension, branch dimension, product dimension, credit dimension, filtering conditions, limit dimension, and time dimension.

[0145] Furthermore, the specific implementation details of the device described in the embodiments of the present invention have been described in detail in the above-described method, so the details will not be repeated here.

[0146] Figure 5 An exemplary system architecture 500 to which embodiments of the present invention can be applied is shown, including terminal devices 501, 502, 503, network 504, and server 505 (this is merely an example).

[0147] Terminal devices 501, 502, and 503 can be various electronic devices with displays and web browsing capabilities, and can be equipped with various communication client applications. Customers can use terminal devices 501, 502, and 503 to interact with server 505 via network 504 to receive or send messages, etc.

[0148] Network 504 is a medium used to provide a communication link between terminal devices 501, 502, 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0149] Server 505 can be a server that provides various services. It should be noted that the methods provided in the embodiments of the present invention are generally executed by server 505, and correspondingly, the devices are generally set in server 505.

[0150] It should be understood that Figure 5 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0151] The following is for reference. Figure 6 It shows a schematic diagram of the structure of a computer system 600 suitable for implementing a terminal device of the present invention. Figure 6 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0152] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 602 or programs loaded from storage section 608 into random access memory (RAM) 603. The RAM 603 also stores various programs and data required for the operation of the system 600. The CPU 601, ROM 602, and RAM 603 are interconnected via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0153] The following components are connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 610 as needed so that computer programs read from it can be installed into storage section 608 as needed.

[0154] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by central processing unit (CPU) 601, it performs the functions defined above in the system of this invention.

[0155] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0156] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0157] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor may be described as including a receiving module, a querying module, a processing module, and a writing module. The names of these modules do not necessarily limit the module itself; for example, the writing module may also be described as a "payment module."

[0158] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to perform any of the data processing methods described above.

[0159] The computer program product of the present invention includes a computer program that, when executed by a processor, implements the data processing method in the embodiments of the present invention.

[0160] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A data processing method, characterized in that, include: Receive a business processing request, obtain the first account and data to be processed in the business processing request, and determine the customer number corresponding to the first account; Query the list of accounts corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account; In response to the success of loading the processing control parameters, the first processing control logic corresponding to the processing control parameters is invoked; or in response to the failure of loading the processing control parameters, the preset second processing control logic is invoked. The system invokes either a first or second processing control logic to process the account data of each account, thereby obtaining a processing method for the data to be processed. This includes: invoking the first processing control logic to filter the account list and obtain a new account list; obtaining and accumulating the currently processed data for each account in the new account list, and summing the accumulated processed data with the data to be processed to obtain a first total data; obtaining the data limit in the processing control parameters, and determining the processing method based on the relationship between the data limit and the first total data; or invoking the second processing control logic to obtain and accumulate the currently processed data for each account in the account list, and summing the accumulated processed data with the data to be processed to obtain a second total data; obtaining a preset data limit, and determining the processing method based on the relationship between the preset data limit and the second total data. Identify a second account associated with the first account, and use the processing method to write the data to be processed from the first account to the second account.

2. The method according to claim 1, characterized in that, After obtaining the first account and pending data from the business processing request, the method further includes: In response to the verification that the data to be processed is empty or zero, or that the first account is empty or one of the following, if it is determined that the request data verification has failed, a request business processing failure message is returned.

3. The method according to claim 1, characterized in that, The step of determining the processing method based on the relationship between the data limit and the size of the first total data includes: In response to the data limit being greater than or equal to the first total data, the processing method is determined to be the first processing method; or In response to the data limit being less than the first total data, the processing method is determined to be the second processing method.

4. The method according to claim 1, characterized in that, The step of determining the processing method based on the relationship between the preset data limit and the second total data includes: If the preset data limit is greater than or equal to the second total data, the processing method is determined to be the first processing method; or if the preset data limit is less than the second total data, the processing method is determined to be the second processing method.

5. The method according to claim 3 or 4, characterized in that, The method further includes: If the processing method is determined to be the first processing method, the private account under the second account will be used as the target second account for writing the data to be processed. If the processing method is determined to be the second processing method, the corporate account under the second account is used as the target second account for writing the data to be processed.

6. The method according to claim 5, characterized in that, The step of using the corporate account under the second account as the target second account for writing the data to be processed includes: in response to the number of corporate accounts being multiple, returning multiple corporate accounts to receive a selection operation for one of the corporate accounts, and using the selected corporate account as the target second account; The step of using the private account under the second account as the target second account for writing the data to be processed includes: in response to the number of private accounts being multiple, returning multiple private accounts to receive a selection operation for one of the private accounts, and using the selected private account as the target second account.

7. The method according to claim 1, characterized in that, The processing control parameters include one or more parameters from the following dimensions: customer dimension, legal entity dimension, branch dimension, product dimension, credit dimension, filtering conditions, limit dimension, and time dimension.

8. A data processing apparatus, characterized in that, include: The receiving module is used to receive a business processing request, obtain the first account and the data to be processed in the business processing request, and determine the customer number corresponding to the first account. The query module is used to query the list of accounts corresponding to the customer number, obtain the account data of each account in the account list, and load the processing control parameters corresponding to the account data of the first account. The processing module is configured to determine, in response to the successful loading of the processing control parameters, to invoke the first processing control logic corresponding to the processing control parameters; Alternatively, in response to a failure to load the processing control parameters, a preset second processing control logic is invoked. The writing module is used to call a determined first processing control logic or a second processing control logic to process the account data of each account and obtain a processing method for the data to be processed, including: calling the first processing control logic to filter the account list to obtain a new account list; obtaining and accumulating the currently processed data of each account in the new account list, and accumulating the accumulated processed data and the data to be processed to obtain a first total data; obtaining the data limit in the processing control parameters, and determining the processing method according to the relationship between the data limit and the first total data; or calling the second processing control logic to obtain and accumulate the currently processed data of each account in the account list, and accumulating the accumulated processed data and the data to be processed to obtain a second total data; obtaining a preset data limit, and determining the processing method according to the relationship between the preset data limit and the second total data; determining a second account associated with the first account, and using the processing method to write the data to be processed from the first account to the second account.

9. The apparatus according to claim 8, characterized in that, The processing module is used for: In response to the data limit being greater than or equal to the first total data, the processing method is determined to be the first processing method; or In response to the data limit being less than the first total data, the processing method is determined to be the second processing method.

10. The apparatus according to claim 8, characterized in that, The processing module is used for: In response to the preset data limit being greater than or equal to the second total data, the processing method is determined to be the first processing method; or In response to the preset data limit being less than the second total data, the processing method is determined to be the second processing method.

11. The apparatus according to claim 9 or 10, characterized in that, The writing module is used for: If the processing method is determined to be the first processing method, the private account under the second account will be used as the target second account for writing the data to be processed. If the processing method is determined to be the second processing method, the corporate account under the second account is used as the target second account for writing the data to be processed.

12. The apparatus according to claim 11, characterized in that, The writing module is used for: In response to the presence of multiple corporate accounts, multiple corporate accounts are returned to receive a selection operation for one of the corporate accounts, and the selected corporate account is used as the target second account; In response to the existence of multiple private accounts, multiple private accounts are returned to receive a selection operation for one of the private accounts, and the selected private account is used as the target second account.

13. An electronic device, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-7.

14. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-7.

15. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-7.

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