Method, apparatus, electronic device, and storage medium for data processing

Abstract

The application discloses a data processing method and device, electronic equipment and storage medium, and relates to the technical field of big data analysis. A specific embodiment of the method comprises: receiving transaction data of each virtual asset in a preset time period; obtaining asset amount information of each virtual asset to update the asset amount of each virtual asset in combination with the transaction data; screening a target virtual asset whose size relationship between the asset amount and a preset threshold changes to adjust the marking state of the target virtual asset according to the changed size relationship; and in response to the current time reaching the delivery date, determining a virtual asset that meets a preset condition according to the marking state of each virtual asset. The embodiment can solve the problem that in a scenario where the number of securitization assets or the transaction volume is large, the calculation amount of the asset amount is large, and the efficiency of securitization is low.

Description

Technical Field

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

[0002] Securitization refers to banks and savings institutions converting assets into transferable securities and transferring them to a trust. Credit card securitization is a type of asset securitization. Asset securitization typically involves packaging and transferring multiple assets. From the packaging date, the asset value (such as principal and interest) of the securitized assets belongs to the trust. From the settlement date, the securitized assets are transferred to the trust, and the trust also pays the corresponding cash payment on the settlement date. Because securitized assets usually require a substantial asset value, a screening process is necessary between the packaging and settlement dates to remove those that do not meet the securitization requirements. Currently, this is typically done before the settlement date by calculating the asset value of each securitized asset based on transaction information from the packaging date onwards, thus screening for those that meet the securitization requirements. However, in scenarios with a large number of securitized assets or high transaction volume, the large amount of asset value calculation can lead to low securitization efficiency. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a data processing method, apparatus, electronic device, and storage medium that can solve the problem of low securitization efficiency due to the large amount of asset calculation in scenarios where the number of securitized assets is large or the transaction volume is large.

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

[0005] A data processing method according to an embodiment of the present invention includes: receiving transaction data of each virtual asset within a preset time period, wherein the preset time period is between the corresponding packet date and the settlement date of the virtual asset;

[0006] Obtain the asset value information of each virtual asset, and update the asset value of each virtual asset in conjunction with the transaction data;

[0007] Based on the asset value information before and after the update, target virtual assets whose asset value has changed relative to the preset threshold are selected, and the marking status of the target virtual assets is adjusted according to the changed relative size.

[0008] In response to the arrival of the settlement date at the current time, virtual assets that meet preset conditions are determined based on the marking status of each virtual asset in order to execute the securitization process.

[0009] In one embodiment, updating the asset value of each of the virtual assets by incorporating the transaction data includes:

[0010] Filter the transaction data to find the first data corresponding to the first transaction type and the second data corresponding to the second transaction type for each virtual asset;

[0011] Based on the first data and the second data, the change in asset value within the corresponding preset time period is calculated, and the asset value of each virtual asset is updated in conjunction with the asset value information.

[0012] In another embodiment, based on the asset value information before and after the update, target virtual assets whose relationship with the preset threshold has changed are screened, including:

[0013] The first virtual asset whose asset value before the update is less than the preset threshold is obtained, and the corresponding asset value after the update is queried. In response to the asset value after the update being not less than the preset threshold, the first virtual asset is determined to be the first target virtual asset.

[0014] Obtain the second virtual asset whose updated asset value is less than the preset threshold, and query the corresponding asset value before the update. If the asset value before the update is not less than the preset threshold, determine the first virtual asset as the second target virtual asset.

[0015] In yet another embodiment, querying the corresponding updated asset amount includes:

[0016] Obtain the change in asset value corresponding to the first virtual asset;

[0017] In response to the fact that the type of asset change is growth, query the updated asset value of the first virtual asset;

[0018] In response to the asset change being of the type of decrease, the first virtual asset is not processed.

[0019] In yet another embodiment, querying the corresponding asset amount before the update includes:

[0020] Obtain the change in asset value corresponding to the second virtual asset;

[0021] In response to the fact that the type of change in the asset is growth, the second virtual asset is not processed;

[0022] In response to the asset change being a decrease, query the updated asset value of the second virtual asset.

[0023] In yet another embodiment, adjusting the tagging state of the target virtual asset based on the magnitude of the change includes:

[0024] Adjust the marking status of the first target virtual asset to a normal state;

[0025] Adjust the tagging status of the second target virtual asset to the removal status.

[0026] In yet another embodiment, after adjusting the tagging state of the target virtual asset, the method further includes:

[0027] Obtain historical transaction data corresponding to the target virtual asset, and update the securitization tag corresponding to the historical transaction data based on the adjusted tagging state.

[0028] In yet another embodiment, after adjusting the tagging state of the target virtual asset, the method further includes:

[0029] The transaction data corresponding to the target virtual asset whose adjusted status is marked as a preset status is obtained and sent to the display terminal to update the display data of the display terminal.

[0030] To achieve the above objectives, according to another aspect of the present invention, a data processing apparatus is provided.

[0031] An embodiment of the present invention provides a data processing apparatus comprising: a receiving unit, configured to receive transaction data of each virtual asset within a preset time period, wherein the preset time period falls between the corresponding packet date and settlement date of the virtual asset;

[0032] A calculation unit is used to obtain the asset value information of each of the virtual assets, so as to update the asset value of each of the virtual assets in combination with the transaction data;

[0033] The adjustment unit is used to filter target virtual assets whose asset value has changed relative to the preset threshold based on the asset value information before and after the update, so as to adjust the marking status of the target virtual assets according to the changed relative size.

[0034] The determining unit is used to determine, in response to the current time reaching the settlement date, virtual assets that meet preset conditions based on the marking status of each virtual asset, so as to execute the securitization process.

[0035] In one embodiment, the adjustment unit is specifically used for:

[0036] Filter the transaction data to find the first data corresponding to the first transaction type and the second data corresponding to the second transaction type for each virtual asset;

[0037] Based on the first data and the second data, the change in asset value within the corresponding preset time period is calculated, and the asset value of each virtual asset is updated in conjunction with the asset value information.

[0038] In yet another embodiment, the adjustment unit is specifically used for:

[0039] The first virtual asset whose asset value before the update is less than the preset threshold is obtained, and the corresponding asset value after the update is queried. In response to the asset value after the update being not less than the preset threshold, the first virtual asset is determined to be the first target virtual asset.

[0040] Obtain the second virtual asset whose updated asset value is less than the preset threshold, and query the corresponding asset value before the update. If the asset value before the update is not less than the preset threshold, determine the first virtual asset as the second target virtual asset.

[0041] In yet another embodiment, the adjustment unit is specifically used for:

[0042] Obtain the change in asset value corresponding to the first virtual asset;

[0043] In response to the fact that the type of asset change is growth, query the updated asset value of the first virtual asset;

[0044] In response to the asset change being of the type of decrease, the first virtual asset is not processed.

[0045] In yet another embodiment, the adjustment unit is specifically used for:

[0046] Obtain the change in asset value corresponding to the second virtual asset;

[0047] In response to the fact that the type of change in the asset is growth, the second virtual asset is not processed;

[0048] In response to the asset change being a decrease, query the updated asset value of the second virtual asset.

[0049] In yet another embodiment, the adjustment unit is specifically used for:

[0050] Adjust the marking status of the first target virtual asset to a normal state;

[0051] Adjust the tagging status of the second target virtual asset to the removal status.

[0052] In yet another embodiment, the adjustment unit is further configured to:

[0053] Obtain historical transaction data corresponding to the target virtual asset, and update the securitization tag corresponding to the historical transaction data based on the adjusted tagging state.

[0054] In yet another embodiment, the apparatus further includes:

[0055] The sending unit is used to acquire the transaction data corresponding to the target virtual asset whose adjusted marked state is a preset marked state, and send it to the display terminal to update the display data of the display terminal.

[0056] To achieve the above objectives, according to another aspect of the present invention, an electronic device is provided.

[0057] 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 the data processing method provided in the embodiment of the present invention.

[0058] To achieve the above objectives, according to another aspect of the present invention, a computer-readable medium is provided.

[0059] An embodiment of the present invention provides a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the data processing method provided in the embodiment of the present invention.

[0060] To achieve the above objectives, according to another aspect of the present invention, a computer program product is provided.

[0061] A computer program product according to an embodiment of the present invention includes a computer program that, when executed by a processor, implements the data processing method provided in the embodiment of the present invention.

[0062] One embodiment of the above invention has the following advantages or beneficial effects: In this embodiment of the invention, for securitized assets, the asset value of each virtual asset can be updated according to the incremental transaction data of the preset time period between the sealing date and the settlement date. Furthermore, the marking status of each virtual asset can be updated in a timely manner based on the change in the relationship between the capital amount and the preset threshold. This allows for the determination of virtual assets that meet preset conditions based on their marking status. This not only avoids the problem of large computational load and reduced securitization efficiency caused by centrally calculating the asset value of virtual assets due to a large number of securitized assets or a large transaction volume, but also further improves the efficiency of securitization by screening virtual assets that meet the securitization requirements through their marking status.

[0063] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0064] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0065] Figure 1This is a schematic diagram of a main flow of a data processing method according to an embodiment of the present invention;

[0066] Figure 2 This is a schematic diagram of another main flow of a data processing method according to an embodiment of the present invention;

[0067] Figure 3 This is a schematic diagram of another main flow of a data processing method according to an embodiment of the present invention;

[0068] Figure 4 This is a schematic diagram of another main flow of a data processing method according to an embodiment of the present invention;

[0069] Figure 5 This is a schematic diagram of the main units of a data processing apparatus according to an embodiment of the present invention;

[0070] Figure 6 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0071] Figure 7 This is a schematic diagram of the structure of a computer system suitable for implementing embodiments of the present invention. Detailed Implementation

[0072] 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.

[0073] It should be noted that, unless otherwise specified, the embodiments and features described in the present invention can be combined with each other. The acquisition, storage, use, and processing of data in the technical solutions of this application all comply with the relevant provisions of national laws and regulations.

[0074] This invention provides a data processing system for scenarios where virtual assets are processed to update their asset value. Specifically, the system can be used to process virtual asset data and update the asset value during the time period between the sealing date and the split date. Virtual assets represent various valuable products operated by banks and savings institutions, such as credit cards and loans.

[0075] Securitization refers to banks and savings institutions converting virtual assets into transferable securities and transferring them to a trust. Credit card securitization is a type of virtual asset securitization. Banks and savings institutions can package multiple virtual assets into an asset package. From the packaging date, the asset value (such as principal and interest) of these virtual assets belongs to the trust. From the settlement date, the securitized assets are transferred to the trust, and the trust will also pay the corresponding cash transfer payment on the settlement date. During the period from the packaging date to the settlement date, corresponding transactions will occur for the virtual assets. Taking credit cards as an example, balance withdrawals and redemptions can be made. Therefore, the asset value of virtual assets will change during this period. Virtual asset securitization usually requires that the asset value cannot be too low, for example, the asset value must be greater than 0. Therefore, virtual assets with too low an asset value need to be removed before the settlement date. Thus, for virtual assets to be securitized, the asset value of virtual assets needs to be updated before the settlement date to remove virtual assets with too low an asset value.

[0076] This invention provides a data processing method, which can be executed by a data processing system, such as... Figure 1 As shown, the method includes:

[0077] S101: Receive transaction data of each virtual asset within a preset time period.

[0078] The data processing system can receive transaction data from banks or savings institutions corresponding to each virtual asset. This transaction data can specifically be the transaction history of the virtual asset; for example, if the virtual asset is a credit card, the transaction data could be the data related to credit card withdrawals and redemptions. The preset time period is between the sealing date and the settlement date of the virtual asset. In this embodiment of the invention, the time period between the sealing date and the settlement date can be divided to process the transaction data of each virtual asset based on this time period. For example, the time period can be divided on a daily basis, with each day between the sealing date and the settlement date forming a preset time period. Transaction data for each virtual asset within this preset time period is then received and processed.

[0079] It should be noted that, in this embodiment of the invention, a detailed table can be preset to store the transaction data of each virtual asset. Taking a credit card as an example, the credit card contract number serves as the identifier of the virtual asset. The detailed table may include fields such as credit card contract number, transaction date, counterparty number, total transaction amount, principal amount, interest amount, transaction fee amount, user number, packet sealing date, splitting date, data date, and pricing status. The user number represents the ID of the user corresponding to the credit card, and the status flag indicates whether the virtual asset currently meets the securitization requirements. Thus, after receiving the transaction data of the virtual asset, it can be added to the detailed table, and the status flag can be adjusted through the processing in this embodiment of the invention.

[0080] S102: Obtain the asset value information of each virtual asset, and update the asset value of each virtual asset in combination with transaction data.

[0081] The transaction data can include two types: a first type and a second type. One type represents an increase in capital, and the other represents a decrease in capital. In this embodiment, the first type can be set as the type that increases capital, and the second type as the type that decreases capital. Therefore, in this step, the transaction data can be categorized to filter the first data corresponding to the first transaction type and the second data corresponding to the second transaction type for each virtual asset.

[0082] This step can be performed as follows: filter the first data corresponding to the first transaction type and the second data corresponding to the second transaction type for each virtual asset from the transaction data; calculate the change in asset value within the corresponding preset time period based on the first data and the second data, and update the asset value of each virtual asset in combination with the asset value information.

[0083] The asset value information can include the asset value of each virtual asset before the transaction data received in the calculation step S101. Since the first data and the second data represent the increase and decrease of the asset value respectively, in this step, the change in asset value within the corresponding preset time period can be calculated based on the first data and the second data first, and then the obtained capital value can be updated to obtain the asset value of each virtual asset after the preset time period, that is, to realize the update of the asset value of each virtual asset.

[0084] S103: Based on the asset value information before the update and the asset value after the update, filter the target virtual assets whose size relationship with the asset value has changed, so as to adjust the marking status of the target virtual assets according to the changed size relationship.

[0085] In order to more accurately and quickly identify securitizable virtual assets, a tagging status can be set for each virtual asset. The tagging status is used to indicate whether the virtual asset currently meets the securitization requirements. Specifically, it can include a normal status and a removed status. The normal status indicates that the virtual asset meets the securitization requirements, while the removed status indicates that the virtual asset does not meet the securitization requirements.

[0086] Since securitization typically requires that the capital of virtual assets meet preset conditions, i.e., the capital is greater than a preset threshold, the labeling status of virtual assets needs to be determined based on the relationship between their capital and the preset threshold. If the capital of a virtual asset is less than the preset threshold, it means it does not meet the preset threshold, so its labeling status should be "rejected." If the capital of a virtual asset is not less than the preset threshold, it means it meets the preset threshold, so its labeling status should be "normal." Since the relationship between the capital and the preset threshold remains unchanged after the update, there is no need to adjust the labeling status of the virtual asset. Therefore, in this step, we can use the asset information before and after the update to screen for target virtual assets whose relationship between their asset value and the preset threshold has changed. That is, the relationship between the asset value and the preset threshold has reversed before and after the update, so the labeling status of the target virtual asset needs to be adjusted.

[0087] Specifically, the ways in which the relationship between the asset amount and the preset threshold changes before and after the update include: from the asset amount being less than the preset threshold before the update to the asset amount being no less than the preset threshold after the update, or from the asset amount being no less than the preset threshold before the update to the asset amount being less than the preset threshold after the update.

[0088] Therefore, for the change from an asset value less than a preset threshold before the update to an asset value not less than a preset threshold after the update, in this step, we can first obtain the first virtual asset whose asset value was less than the preset threshold before the update, and then query the updated asset value of the first virtual asset from the updated capital amount in step S102, and determine the size relationship between the updated asset value and the preset threshold; if the updated asset value is not less than the preset threshold, it means that the size relationship between the first virtual asset and the preset threshold before and after the update has not changed, so the first virtual asset is not the target virtual asset; if the updated asset value is less than the preset threshold, it means that the size relationship between the first virtual asset and the preset threshold before and after the update has changed, so the first virtual asset is the target virtual asset.

[0089] It should be noted that since the first type and the second type represent the increase and decrease of capital respectively, the change in asset value in step S102 can represent the direction of capital value change within a preset time period. Therefore, if the asset value before the update is less than the preset threshold, only if the type of the change in asset value is growth, that is, an increase in capital value, can the relationship between the updated capital value and the preset threshold change. Therefore, after obtaining the first virtual capital, this step can also obtain the change in asset value corresponding to the first virtual asset and determine the type of the change in asset value. If the type of the change in asset value is growth, the updated asset value of the first virtual asset can be queried. If the type of the change in asset value is decrease, it means that the relationship between the updated capital value and the preset threshold will not change, so there is no need to process the first virtual asset.

[0090] For a change in asset value from not less than a preset threshold before the update to less than the preset threshold after the update, this step can first obtain the second virtual asset whose updated asset value is less than the preset threshold in step S102, then query the asset value of the second virtual asset before the update from the capital amount before the update, and determine the relationship between the asset value before the update and the preset threshold; if the asset value before the update is less than the preset threshold, it means that the relationship between the second virtual asset and the preset threshold before and after the update has not changed, so the second virtual asset is not the target virtual asset; if the asset value before the update is not less than the preset threshold, it means that the relationship between the second virtual asset and the preset threshold before and after the update has changed, so the second virtual asset is the target virtual asset.

[0091] It should be noted that when the updated asset amount is less than the preset threshold, if the type of asset amount change is a decrease, which means a reduction in capital, then the relationship between the asset amount and the preset threshold may change because the pre-update capital amount is not less than the preset threshold. Therefore, after obtaining the second virtual capital, this step can also obtain the asset amount change corresponding to the second virtual asset and determine the type of asset amount change. If the asset amount change is a decrease, the pre-update asset amount of the second virtual asset can be queried. If the asset amount change is an increase, it means that the relationship between the pre-update capital amount and the preset threshold will not change, so there is no need to process the second virtual asset.

[0092] In this step, after identifying the target virtual assets, the marking status of the target virtual assets can be adjusted based on the magnitude of the changes. Specifically, this can be done as follows: the marking status of target virtual capital whose capital amount before the update was less than a preset threshold but whose capital amount after the update is not less than the preset threshold is adjusted to a normal status, i.e., the marking status of the first target virtual asset is adjusted to a normal status; the marking status of target virtual capital whose capital amount after the update is less than the preset threshold but whose capital amount before the update is not less than the preset threshold is adjusted to a removal status, i.e., the marking status of the second target virtual asset is adjusted to a removal status.

[0093] Since virtual asset securitization typically requires historical transaction data for profit calculations, this embodiment of the invention uses securitization tags to label historical transaction data. Therefore, the securitization tags on the historical transaction data of virtual assets can be adjusted according to the labeling status. Specifically, for virtual assets in a normal labeling status, the corresponding historical transaction data is tagged with a securitization tag; for virtual assets in a delisting status, the corresponding historical transaction data is delisted.

[0094] It should be noted that, in this embodiment of the invention, during the sealing period and delivery period of virtual assets, the process between steps S101-S103 can be executed cyclically based on a preset time period, so that the marking status of each virtual asset can be updated in a timely manner based on the increment of transaction data within the preset time period.

[0095] S104: In response to the current time reaching the settlement date, determine the virtual assets that meet the preset conditions based on the marking status of each virtual asset, and execute the securitization process.

[0096] When the current time reaches the settlement date, virtual assets that meet the preset conditions can be determined based on the marking status of each virtual asset. Specifically, the preset conditions can be that the capital amount is not less than a preset threshold, that is, virtual assets with the marking status in normal status are determined, so as to execute the subsequent securitization process.

[0097] In some embodiments, in order to facilitate observation of the changes in the capital amount of each virtual asset during the sealing period and the delivery period, the transaction data of virtual assets marked as normal can be displayed. Therefore, after adjusting the marking status of the target virtual asset in step S103, the transaction data corresponding to the target virtual asset whose marked status is the preset status can also be obtained and sent to the display terminal to update the display data of the display terminal.

[0098] In this embodiment of the invention, for securitized assets, the asset value of each virtual asset can be updated according to the incremental transaction data of the preset time period between the sealing date and the settlement date. Furthermore, the marking status of each virtual asset can be updated in a timely manner based on the changes in the relationship between the capital amount and the preset threshold. This allows for the determination of virtual assets that meet preset conditions based on their marking status. This not only avoids the problem of excessive computation and reduced securitization efficiency caused by centrally calculating the asset value of virtual assets due to a large number of securitized assets or a large trading volume, but also further improves the efficiency of securitization by screening virtual assets that meet the securitization requirements through their marking status.

[0099] The following is combined with Figure 1 The illustrated embodiments provide a detailed description of the data processing methods in the embodiments of the present invention, such as... Figure 2 As shown, the method includes:

[0100] S201: Receive transaction data of each virtual asset within a preset time period, and filter the first data of the first transaction type and the second data of the second transaction type for each virtual asset.

[0101] S202: Obtain the asset value information of each virtual asset, and calculate the change in asset value within the corresponding preset time period based on the first data and the second data.

[0102] S203: Update the asset value of each virtual asset by combining the change in asset value and asset value information.

[0103] S204: Obtain the first virtual asset whose asset value before the update is less than a preset threshold, in order to query the corresponding asset value after the update. If the asset value after the update is not less than the preset threshold, determine the first virtual asset as the first target virtual asset.

[0104] S205: Obtain the second virtual asset whose updated asset value is less than a preset threshold, and query the corresponding asset value before the update. If the asset value before the update is not less than the preset threshold, determine the first virtual asset as the second target virtual asset.

[0105] S206: Adjust the marking status of the first target virtual asset to the normal state; adjust the marking status of the second target virtual asset to the discard state.

[0106] S207: In response to the current time reaching the settlement date, determine the virtual assets that meet the preset conditions based on the marking status of each virtual asset, and execute the securitization process.

[0107] It should be noted that the data processing principle in the embodiments of the present invention is the same as... Figure 1 The data processing principles in the illustrated embodiments are the same and will not be repeated here.

[0108] based on Figure 1 and Figure 2 The illustrated embodiment provides an implementation method for... Figure 2 The specific execution process of step S204 in the data processing method shown will be explained. For example... Figure 3 As shown, the method includes:

[0109] S301: Obtain the first virtual asset whose asset value before the update is less than a preset threshold.

[0110] S302: Obtain the change in asset value corresponding to the first virtual asset.

[0111] S303: In response to the asset change type being growth, query the updated asset value of the first virtual asset.

[0112] S304: In response to the updated asset amount being no less than a preset threshold, the first virtual asset is determined to be the first target virtual asset.

[0113] It should be noted that the data processing principle in the embodiments of the present invention is the same as... Figure 1 The data processing principles in the illustrated embodiments are the same and will not be repeated here.

[0114] based on Figure 1 and Figure 2 The illustrated embodiment provides an implementation method for... Figure 2 The specific execution process of step S205 in the data processing method shown will be explained. For example... Figure 4 As shown, the method includes:

[0115] S401: Obtain the second virtual asset whose updated asset value is less than the preset threshold.

[0116] S402: Obtain the change in asset value corresponding to the second virtual asset.

[0117] S403: In response to the asset change type being decrease, query the updated asset value of the second virtual asset.

[0118] S404: In response to the fact that the asset amount before the update is not less than a preset threshold, the first virtual asset is determined to be the second target virtual asset.

[0119] It should be noted that the data processing principle in the embodiments of the present invention is the same as... Figure 1 The data processing principles in the illustrated embodiments are the same and will not be repeated here.

[0120] To address the problems existing in the prior art, embodiments of the present invention provide a data processing apparatus 500, such as... Figure 5 As shown, the device 500 includes:

[0121] The receiving unit 501 is used to receive transaction data of each virtual asset within a preset time period, wherein the preset time period is between the corresponding packet date and delivery date of the virtual asset.

[0122] The calculation unit 502 is used to obtain the asset value information of each of the virtual assets, so as to update the asset value of each of the virtual assets in combination with the transaction data;

[0123] The adjustment unit 503 is used to filter target virtual assets whose asset value has changed relative to the preset threshold based on the asset value information before the update and the asset value after the update, so as to adjust the marking status of the target virtual assets according to the changed relative size.

[0124] The determination unit 504 is used to determine, in response to the current time reaching the settlement date, virtual assets that meet preset conditions based on the marking status of each virtual asset, so as to execute the securitization process.

[0125] It should be understood that the manner in which embodiments of the present invention are implemented is different from the implementation method. Figure 2 The embodiments shown are the same and will not be described again here.

[0126] In one embodiment, the adjustment unit 502 is specifically used for:

[0127] Filter the transaction data to find the first data corresponding to the first transaction type and the second data corresponding to the second transaction type for each virtual asset;

[0128] Based on the first data and the second data, the change in asset value within the corresponding preset time period is calculated, and the asset value of each virtual asset is updated in conjunction with the asset value information.

[0129] In yet another embodiment, the adjustment unit 503 is specifically used for:

[0130] The first virtual asset whose asset value before the update is less than the preset threshold is obtained, and the corresponding asset value after the update is queried. In response to the asset value after the update being not less than the preset threshold, the first virtual asset is determined to be the first target virtual asset.

[0131] Obtain the second virtual asset whose updated asset value is less than the preset threshold, and query the corresponding asset value before the update. If the asset value before the update is not less than the preset threshold, determine the first virtual asset as the second target virtual asset.

[0132] In yet another embodiment, the adjustment unit 503 is specifically used for:

[0133] Obtain the change in asset value corresponding to the first virtual asset;

[0134] In response to the fact that the type of asset change is growth, query the updated asset value of the first virtual asset;

[0135] In response to the asset change being of the type of decrease, the first virtual asset is not processed.

[0136] In yet another embodiment, the adjustment unit 503 is specifically used for:

[0137] Obtain the change in asset value corresponding to the second virtual asset;

[0138] In response to the fact that the type of change in the asset is growth, the second virtual asset is not processed;

[0139] In response to the asset change being a decrease, query the updated asset value of the second virtual asset.

[0140] In yet another embodiment, the adjustment unit 503 is specifically used for:

[0141] Adjust the marking status of the first target virtual asset to a normal state;

[0142] Adjust the tagging status of the second target virtual asset to the removal status.

[0143] In yet another embodiment, the adjustment unit 503 is further configured to:

[0144] Obtain historical transaction data corresponding to the target virtual asset, and update the securitization tag corresponding to the historical transaction data based on the adjusted tagging state.

[0145] In yet another embodiment, the device 500 further includes:

[0146] The sending unit is used to acquire the transaction data corresponding to the target virtual asset whose adjusted marked state is a preset marked state, and send it to the display terminal to update the display data of the display terminal.

[0147] It should be understood that the manner in which embodiments of the present invention are implemented is different from the implementation method. Figure 2 The embodiments shown are the same and will not be described again here.

[0148] In this embodiment of the invention, for securitized assets, the asset value of each virtual asset can be updated according to the incremental transaction data of the preset time period between the sealing date and the settlement date. Furthermore, the marking status of each virtual asset can be updated in a timely manner based on the changes in the relationship between the capital amount and the preset threshold. This allows for the determination of virtual assets that meet preset conditions based on their marking status. This not only avoids the problem of excessive computation and reduced securitization efficiency caused by centrally calculating the asset value of virtual assets due to a large number of securitized assets or a large trading volume, but also further improves the efficiency of securitization by screening virtual assets that meet the securitization requirements through their marking status.

[0149] According to embodiments of the present invention, an electronic device and a readable storage medium are also provided.

[0150] An electronic device according to an embodiment of the present invention includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to cause the at least one processor to perform the data processing method provided in the embodiment of the present invention.

[0151] Figure 6 An exemplary system architecture 600 is shown, in which a data processing method or data processing apparatus to which embodiments of the present invention can be applied is illustrated.

[0152] like Figure 6 As shown, system architecture 600 may include terminal devices 601, 602, and 603, a network 604, and a server 605. Network 604 serves as the medium for providing communication links between terminal devices 601, 602, and 603 and server 605. Network 604 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0153] Users can use terminal devices 601, 602, and 603 to interact with server 605 via network 604 to receive or send messages, etc. Various client applications can be installed on terminal devices 601, 602, and 603.

[0154] Terminal devices 601, 602, and 603 may be, but are not limited to, smartphones, tablets, laptops, and desktop computers, etc.

[0155] Server 605 can be a server that provides various services. The server can analyze and process data such as received product information query requests, and feed back the processing results (such as product information - just an example) to the terminal device.

[0156] It should be noted that the data processing method provided in the embodiments of the present invention is generally executed by server 605, and correspondingly, the data processing device is generally disposed in server 605.

[0157] It should be understood that Figure 6 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.

[0158] The following is for reference. Figure 7 It shows a schematic diagram of the structure of a computer system 700 suitable for implementing embodiments of the present invention. Figure 7 The computer system shown is merely an example and should not be construed as limiting the functionality and scope of use of the embodiments of the present invention.

[0159] like Figure 7 As shown, the computer system 700 includes a central processing unit (CPU) 701, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 702 or programs loaded from storage section 708 into random access memory (RAM) 703. The RAM 703 also stores various programs and data required for the operation of the system 700. The CPU 701, ROM 702, and RAM 703 are interconnected via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0160] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, mouse, etc.; an output section 707 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 710 as needed so that computer programs read from it can be installed into the storage section 708 as needed.

[0161] 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 709, and / or installed from removable medium 711. When the computer program is executed by central processing unit (CPU) 701, it performs the functions defined above in the system of this invention.

[0162] 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.

[0163] 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 unit, 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.

[0164] The units described in the embodiments of the present invention can be implemented in software or hardware. The described units can also be housed in a processor; for example, a processor can be described as including a receiving unit, a calculation unit, an adjustment unit, and a determination unit. The names of these units do not necessarily limit the specific unit; for example, the receiving unit can also be described as a "unit with data receiving function."

[0165] 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 the data processing method provided by the present invention.

[0166] In another aspect, the present invention also provides a computer program product, including a computer program that, when executed by a processor, implements the data processing method provided in the embodiments of the present invention.

[0167] 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 transaction data for each virtual asset within a preset time period, wherein the preset time period is between the corresponding packet date and delivery date of the virtual asset; Obtain the asset value information of each virtual asset, and update the asset value of each virtual asset in conjunction with the transaction data; Based on the asset value information before and after the update, target virtual assets whose asset value has changed relative to a preset threshold are selected, and the marking status of the target virtual assets is adjusted according to the changed relative size. In response to the arrival of the settlement date at the current time, virtual assets that meet preset conditions are determined based on the marking status of each virtual asset in order to execute the securitization process; Based on the asset value information before the update and the asset value after the update, target virtual assets whose asset value has changed relative to the preset threshold are filtered out, including: obtaining a first virtual asset whose asset value before the update is less than the preset threshold, querying the corresponding asset value after the update, and determining the first virtual asset as a first target virtual asset in response to the asset value after the update being not less than the preset threshold; obtaining a second virtual asset whose asset value after the update is less than the preset threshold, querying the corresponding asset value before the update, and determining the second virtual asset as a second target virtual asset in response to the asset value before the update being not less than the preset threshold; Querying the corresponding updated asset value includes: obtaining the change in asset value corresponding to the first virtual asset; in response to the type of the change in asset value being an increase, querying the updated asset value of the first virtual asset; in response to the type of the change in asset value being a decrease, not processing the first virtual asset. Querying the corresponding asset value before the update includes: obtaining the change in asset value corresponding to the second virtual asset; in response to the type of the change in asset value being an increase, not processing the second virtual asset; in response to the type of the change in asset value being a decrease, querying the updated asset value of the second virtual asset. Adjusting the marking status of the target virtual assets according to the magnitude of the changes includes: adjusting the marking status of the first target virtual asset to a normal state; and adjusting the marking status of the second target virtual asset to a removed state.

2. The method according to claim 1, characterized in that, Updating the asset value of each virtual asset by combining the transaction data includes: Filter the transaction data to find the first data corresponding to the first transaction type and the second data corresponding to the second transaction type for each virtual asset; Based on the first data and the second data, the change in asset value within the corresponding preset time period is calculated, and the asset value of each virtual asset is updated in conjunction with the asset value information.

3. The method according to claim 1, characterized in that, After adjusting the tagging state of the target virtual asset, the process also includes: Obtain historical transaction data corresponding to the target virtual asset, and update the securitization tag corresponding to the historical transaction data based on the adjusted tagging state.

4. The method according to claim 1, characterized in that, After adjusting the tagging state of the target virtual asset, the process also includes: The transaction data corresponding to the target virtual asset whose adjusted status is marked as a preset status is obtained and sent to the display terminal to update the display data of the display terminal.

5. A data processing apparatus, characterized in that, include: The receiving unit is used to receive transaction data of each virtual asset within a preset time period, wherein the preset time period is between the corresponding packet date and delivery date of the virtual asset; A calculation unit is used to obtain the asset value information of each of the virtual assets, so as to update the asset value of each of the virtual assets in combination with the transaction data; The adjustment unit is used to filter target virtual assets whose asset value has changed relative to a preset threshold based on the asset value information before and after the update, so as to adjust the marking status of the target virtual assets according to the changed relative size. The determining unit is used to determine, in response to the arrival of the delivery date at the current time, virtual assets that meet preset conditions based on the marking status of each virtual asset, so as to execute the securitization process; The adjustment unit is specifically used to: obtain a first virtual asset whose asset value before the update is less than the preset threshold, query the corresponding asset value after the update, and determine the first virtual asset as the first target virtual asset in response to the updated asset value not being less than the preset threshold. Obtain the second virtual asset whose updated asset value is less than the preset threshold, and query the corresponding asset value before the update. In response to the asset value before the update being not less than the preset threshold, determine the second virtual asset as the second target virtual asset. The adjustment unit is specifically configured to: obtain the change in asset value corresponding to the first virtual asset; in response to the change in asset value being of the type of increase, query the updated asset value of the first virtual asset; in response to the change in asset value being of the type of decrease, not process the first virtual asset. The adjustment unit is specifically used for: obtaining the change in asset value corresponding to the second virtual asset; in response to the change in asset value being of the type of increase, not processing the second virtual asset; in response to the change in asset value being of the type of decrease, querying the updated asset value of the second virtual asset; the adjustment unit is specifically used for: adjusting the marking status of the first target virtual asset to a normal state; adjusting the marking status of the second target virtual asset to a removal state.

6. 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 1-4.

7. 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 1-4.

8. A computer program product, comprising a computer program, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-4.

Images