Business processing method and apparatus, electronic device, and storage medium

Abstract

The present disclosure provides a business processing method and device, electronic equipment, readable storage medium and program product. It can be used in the field of financial technology or other technical fields such as computer. The business processing method comprises: in response to the target user performing at least one transaction operation of a transaction exchange object of a business type, obtaining a first business record table about the transaction exchange object; in the case of determining that the at least one business type includes a first predetermined business type, in response to the transfer operation of transferring the transaction resource object corresponding to the first predetermined business type to the target user, obtaining a second business record table about the transaction resource object; and based on the first business record table and the second business record table, generating a target business record table about the target user.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the field of financial technology or other technical fields such as computer, and more particularly, to a business processing method and device, electronic equipment, readable storage medium and program product. BACKGROUND

[0002] With the rapid development of Internet finance, the self-upgrading ability of Internet financial business is also improved. Internet financial business covers not only a certain business, but also includes credit, exchange, payment, insurance, financial management, transfer and many other financial products and services. Internet financial business has vitality in platform compliance and product diversification.

[0003] In the process of implementing the present disclosure, the inventors found that at least the following problems exist in the related art: the transaction risk of directly using transaction resources for transaction operation is large, the way of providing financial business services for target groups by using Internet equipment is relatively single, and it is difficult to better disperse the performance pressure of the financial system. SUMMARY

[0004] Therefore, the present disclosure provides a business processing method and device, electronic equipment, readable storage medium and program product.

[0005] One aspect of the present disclosure provides a business processing method, comprising:

[0006] In response to the target user performing at least one transaction operation of a transaction exchange object, recording at least one first business data of the transaction exchange object and at least one business type, obtaining a first business record table of the transaction exchange object;

[0007] In the case where at least one of the business types includes a first predetermined business type, in response to a transfer operation of transferring a transaction resource corresponding to the first predetermined business type to the target user, recording second business data of the transaction resource and the first predetermined business type, obtaining a second business record table of the transaction resource; and

[0008] Based on the first business record table and the second business record table, a target business record table of the target user is generated.

[0009] According to the embodiments of the present disclosure, the target business record table of the target user is generated based on the first business record table and the second business record table, comprising:

[0010] determining first target service record data from the first service record table based on the service processing time, wherein the first target service record data comprises first service identification information of at least one first financial service related to the transaction exchange object;

[0011] determining second target service record data from the second service record table based on the service processing time, wherein the second target service record data comprises second service identification information of at least one second financial service related to the transaction resource object;

[0012] generating the target service record table of the target user based on the correlation between the first target service record data and the second target service record data.

[0013] According to an embodiment of the present disclosure, the first service record table related to the transaction exchange object is generated by recording at least one first service data and at least one first service type of the target user in response to the target user performing at least one transaction operation of the transaction exchange object, and the first service record table comprises:

[0014] In the case of providing the financial service to the target user through the target service mode, receiving first warehouse-out data related to the transaction exchange object, wherein the first warehouse-out data comprises a warehouse-out quantity of the transaction exchange object;

[0015] determining at least one first service data and at least one first service type of the target user in response to the target user performing at least one transaction operation of the transaction exchange object, wherein the at least one first service data and the at least one first service type are one-to-one corresponding;

[0016] receiving first warehouse-in data related to the transaction exchange object, wherein the first warehouse-in data comprises a warehouse-in quantity of the transaction exchange object; and

[0017] generating the first service record table related to the transaction exchange object based on the first warehouse-out data, the at least one first service data, the at least one first service type, and the first warehouse-in data.

[0018] According to an embodiment of the present disclosure, in the case of determining that the at least one service type comprises a first predetermined service type, the second service record table related to the transaction resource object is generated by recording second service data and the first predetermined service type of the target user in response to a transfer operation of transferring a transaction resource object corresponding to the first predetermined service type to the target user, and the second service record table comprises:

[0019] In a case where it is determined that the at least one business type includes the first predetermined business type, second warehouse-out data related to the transaction resource object is received, wherein the second warehouse-out data includes a warehouse-out quantity of the transaction resource object;

[0020] In response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined business type to the target user, the second business data and the second business type related to the transaction resource object are determined;

[0021] Second warehouse-in data related to the transaction resource object is received, wherein the second warehouse-in data includes a warehouse-in quantity of the transaction resource object; and

[0022] Based on the second warehouse-out data, the second business data, the second business type, and the second warehouse-in data, a second business record table about the transaction resource object is obtained.

[0023] According to an embodiment of the present disclosure, the business processing method further includes:

[0024] In a case where it is determined that the at least one business type includes the first predetermined business type, the business data about the transaction resource object of the target user in the database is updated based on the second business data.

[0025] According to an embodiment of the present disclosure, the business processing method further includes:

[0026] In a case where it is determined that the at least one first business type includes a second predetermined business type, a predetermined business interface is linked to;

[0027] Through the predetermined business interface, a business request matched with the second predetermined business type is sent to a target business server, so that the target business server performs a business transaction operation matched with the second predetermined business type in response to the business request matched with the second predetermined business type; and

[0028] In response to receiving feedback information from the target business server, the business data about the transaction resource object of the target user in the database is updated based on a business request consistent with the second predetermined business type.

[0029] According to an embodiment of the present disclosure, the business processing method further includes, after the target business record table about the target user is generated based on the first business record table and the second business record table:

[0030] Based on the target business record table of the target user, first target business data is determined from the first business record table and second target business data is determined from the second business record table.

[0031] determine a service processing result based on the first target service data, the second target service data, and the service data about the target user in the database and about the transaction resource object, wherein the service processing result is used to represent the accuracy of processing the financial service.

[0032] According to an embodiment of the present disclosure, the service processing method further comprises, before the recording of the at least one first service data about the transaction exchange object and the at least one service type in response to the target user performing the transaction operation of the at least one service type for the transaction exchange object, and obtaining the first service record table about the transaction exchange object:

[0033] in response to receiving the financial service request from the user, sending identity verification information to the user;

[0034] in response to receiving the identity information about the identity verification information from the user, matching the identity information with the identity record information of the user to obtain a matching result; and

[0035] in a case where the matching result is used to represent that the identity information is the same as the identity record information, taking the user as the target user.

[0036] Another aspect of the present disclosure provides a service processing device, comprising:

[0037] a first recording module configured to record at least one first service data about a transaction exchange object and at least one service type in response to a target user performing a transaction operation of the at least one service type for the transaction exchange object, and obtain a first service record table about the transaction exchange object;

[0038] a second recording module configured to, in a case where the at least one service type includes a first predetermined service type, record second service data about a transaction resource object and the first predetermined service type in response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user, and obtain a second service record table about the transaction resource object; and

[0039] a third recording module configured to generate a target service record table about the target user based on the first service record table and the second service record table.

[0040] Another aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory configured to store one or more instructions, wherein when the one or more instructions are executed by the one or more processors, the one or more processors are caused to implement the method as described above.

[0041] Another aspect of the present disclosure provides a computer readable storage medium storing computer executable instructions, which when executed by a processor, cause the processor to implement the method as described above.

[0042] Another aspect of the present disclosure provides a computer program product comprising computer executable instructions for implementing the method as described above when executed.

[0043] According to the embodiments of the present disclosure, because the at least one first business data about the transaction resource and the at least one business type are recorded in response to the target user performing the transaction operation of at least one business type for the transaction exchange, a first business record table about the transaction exchange is obtained; in the case where the at least one business type includes a first predetermined business type, the second business data about the transaction resource and the first predetermined business type are recorded in response to the transfer operation of transferring the transaction resource corresponding to the first predetermined business type to the target user, a second business record table about the transaction resource is obtained; and based on the first business record table and the second business record table, a target business record table about the target user is generated, the transaction operation is performed for the target user through the transaction exchange, the off-cabinet risk of the transaction resource is minimized, and the performance pressure on the financial system is reduced. Further, by recording the first business record table about the transaction exchange and recording the second business record table about the transaction resource, the target business record table of the target user is finally generated, the real-time accounting, the closed-loop management and the reconciliation mechanism of the account can be ensured, and the accuracy and effectiveness of the transaction are improved. BRIEF DESCRIPTION OF DRAWINGS

[0044] The above and other objects, features and advantages of the present disclosure will become more apparent from the following description when taken in conjunction with the accompanying drawings, in which:

[0045] Figure 1 An exemplary system architecture to which the business processing method and device of the present disclosure can be applied is schematically shown;

[0046] Figure 2 A flowchart of a business processing method according to an embodiment of the present disclosure is schematically shown;

[0047] Figure 3 An interaction diagram of a business processing method according to an embodiment of the present disclosure is schematically shown;

[0048] Figure 4 A block diagram of a business processing device according to an embodiment of the present disclosure is schematically shown; and

[0049] Figure 5A block diagram of a computer system suitable for implementing a business processing method according to embodiments of the present disclosure is shown schematically. DETAILED DESCRIPTION

[0050] Embodiments of the present disclosure will be described below with reference to the accompanying drawings. However, it should be understood that the description is merely exemplary and is not intended to limit the scope of the present disclosure. In the following detailed description, numerous specific details are set forth in order to provide a thorough understanding of embodiments of the present disclosure. However, it will be apparent to one skilled in the art that one or more embodiments can be practiced without these specific details. In other instances, well-known structures and techniques have been omitted in order to avoid obscuring the concepts of the present disclosure.

[0051] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the present disclosure. As used herein, the term "includes" and tautological expressions thereof, means the inclusion of the stated features, steps, operations, and / or components but not to the exclusion of one or more other features, steps, operations, or components.

[0052] All terms used herein (including technical and scientific terms) have the meanings commonly understood by one of ordinary skill in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of the specification, and should not be interpreted in an idealized or overly formal way.

[0053] In situations where similar terminology is used for similar items, one of ordinary skill in the art would understand the terminology to have a meaning consistent with the context of the specification. For example, if a system is described as having at least one of A, B, and C, one of ordinary skill in the art would understand that the system can include A alone; B alone; C alone; A and B; A and C; B and C; or A, B, and C, etc. If a system is described as having at least one of A, B, or C, one of ordinary skill in the art would understand that the system can include A alone; B alone; C alone; A and B; A and C; B and C; or A, B, and C, etc.

[0054] Embodiments of the present disclosure provide a business processing method. The method comprises: in response to a target user performing a transaction operation of at least one business type on a transaction exchange object, recording at least one first business data about the transaction exchange object and the at least one business type, to obtain a first business record table about the transaction exchange object; in a case where the at least one business type comprises a first predetermined business type, in response to a transfer operation of transferring a transaction resource object corresponding to the first predetermined business type to the target user, recording second business data about the transaction resource object and the first predetermined business type, to obtain a second business record table about the transaction resource object; and generating a target business record table about the target user based on the first business record table and the second business record table.

[0055] Taking a traditional service mode of a financial business as an example, in a case where the target user is an elderly person or a disabled person, the target user has inconvenience to go to a service site, or has problems of not understanding and not being sensitive to electronic devices such as a smart phone and electronic financial business service platforms such as a mobile bank. The traditional service mode such as a service at a counter of the service site and an electronic financial business service cannot well provide convenience for the target user.

[0056] According to embodiments of the present disclosure, for the target user, a financial business service can be provided in a target service mode such as a service mode of a financial business personnel going to the target user's home based on a financial business request such as a service request of the target user going to the target user's home.

[0057] According to embodiments of the present disclosure, the target user performs a transaction operation on the transaction exchange object, which reduces the off-site amount of the transaction resource object, maximally reduces the off-site risk of the transaction resource object, and reduces the performance pressure on the financial system. Further, by recording the first business record table about the transaction exchange object and recording the second business record table about the transaction resource object, a target business record table of the target user is finally generated, which can guarantee a real-time accounting and account reconciliation closed-loop management account reconciliation mechanism, improve the accuracy and effectiveness of the transaction.

[0058] It should be noted that the business processing method and device of the present disclosure can be used in the fields of transaction security management and electronic financial business service in the financial field, and can also be used in any field other than the financial field, and the application field of the business processing method and device of the present disclosure is not limited.

[0059] In the technical solutions of the present disclosure, the collection, storage, use, processing, transmission, provision, disclosure and application of user personal information comply with relevant laws and regulations, necessary security measures are taken, and the public order and good customs are not violated.

[0060] In the technical solutions of the present disclosure, the authorization or consent of the user is obtained before the user's personal information is acquired or collected.

[0061] Figure 1 An exemplary system architecture 100 to which the business processing method according to embodiments of the present disclosure can be applied is schematically shown. It should be noted that, Figure 1 The system architecture shown is merely an example of the system architecture to which embodiments of the present disclosure can be applied, to help those skilled in the art understand the technical content of the present disclosure, but does not mean that embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0062] As Figure 1 shown, the system architecture 100 according to this embodiment can include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is a medium for providing a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 can include various connection types, such as wired and / or wireless communication links, etc.

[0063] A user can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients and / or social platform software, etc. (only as examples).

[0064] The terminal devices 101, 102, 103 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smartphones, tablet computers, laptop computers and desktop computers, etc.

[0065] The server 105 can be a server providing various services, such as a background management server providing support for websites browsed by users using the terminal devices 101, 102, 103 (only as an example). The background management server can analyze and process received user requests and other data, and feed back the processing results (such as web pages, information or data obtained or generated according to user requests, etc.) to the terminal devices.

[0066] It should be noted that the business processing method provided by embodiments of the present disclosure can generally be executed by the server 105. Accordingly, the business processing apparatus provided by embodiments of the present disclosure can generally be disposed in the server 105. The business processing method provided by embodiments of the present disclosure can also be executed by a server or server cluster different from the server 105 and capable of communicating with the terminal devices 101, 102, 103 and / or the server 105. Accordingly, the business processing apparatus provided by embodiments of the present disclosure can also be disposed in a server or server cluster different from the server 105 and capable of communicating with the terminal devices 101, 102, 103 and / or the server 105.

[0067] For example, the target user sends a financial service request to the server by using the terminal device, and then the server can locally execute the service processing method provided by the embodiments of the present disclosure, or sends the financial service request to other servers or server clusters, and the service processing method provided by the embodiments of the present disclosure is executed by the other servers or server clusters receiving the financial service request.

[0068] It should be understood that Figure 1 The number of terminal devices, networks and servers in the above-mentioned system is only illustrative. According to the needs of implementation, there can be any number of terminal devices, networks and servers.

[0069] It should be noted that, unless it is explicitly stated that there is an execution sequence between different operations or there is an execution sequence in the technical implementation of different operations, the execution sequence of multiple operations can not be distinguished, and multiple operations can be executed simultaneously.

[0070] Figure 2 The flowchart of the service processing method according to the embodiments of the present disclosure is schematically shown.

[0071] As Figure 2 shown, the method comprises operations S201-S203.

[0072] In operation S201,

[0073] In response to the target user performing a transaction operation of at least one service type on the transaction exchange object, at least one first service data about the transaction exchange object and at least one service type are recorded to obtain a first service record table about the transaction exchange object.

[0074] In operation S202, in the case where it is determined that the at least one service type includes a first predetermined service type, in response to a transfer operation of transferring a transaction resource object corresponding to the first predetermined service type to the target user, second service data about the transaction resource object and the first predetermined service type are recorded to obtain a second service record table about the transaction resource object.

[0075] In operation S203, a target service record table about the target user is generated based on the first service record table and the second service record table.

[0076] According to the embodiments of the present disclosure, the target user can refer to a user who issues a financial service request. For example, the target user can be a user who has the following characteristics: has periodic transaction resource object generation or circulation, etc., is not convenient to use electronic devices such as smart phones, is not familiar with electronic banking financial service platforms such as mobile banking, and is not convenient to travel, etc.

[0077] According to an embodiment of the present disclosure, the target user can also have the feature of being more sensitive to real objects than to numbers. In the case of generating periodic transaction resources, such as obtaining a pension, the target user generally has a large demand for financial service such as cashing, transferring, and purchasing a financial product. For such a target user group, especially the elderly who cannot go to a branch due to inconvenience, there is a demand for off-cabinet financial services.

[0078] According to an embodiment of the present disclosure, the transaction exchange object can refer to an object recognized by the target user but not having liquidity, such as a real object such as paper or metal products with an identifier and the like.

[0079] According to an embodiment of the present disclosure, the transaction resource object can refer to an object recognized by the target user and having liquidity, such as a real object such as paper or metal products with an identifier and the like.

[0080] According to an embodiment of the present disclosure, in the case of providing a financial service to the target user in a target service mode, the target user can first be used to perform a transaction operation of at least one business type with the target user using a transaction exchange object recognized by the target user. In the case of a business operation involving a first predetermined business type that requires the transfer of a transaction resource object to the target user, a transaction operation is performed using a transaction resource object having liquidity. In this way, the off-cabinet risk of the transaction resource object is minimized.

[0081] According to an embodiment of the present disclosure, in response to the target user performing a transaction operation of at least one business type for the transaction exchange object, at least one first business data and at least one business type about the transaction exchange object are recorded to obtain a first business record table about the transaction exchange object. In the case of determining that the at least one business type includes a first predetermined business type, in response to a transfer operation of transferring a transaction resource object corresponding to the first predetermined business type to the target user, second business data about the transaction resource object and the first predetermined business type are recorded to obtain a second business record table about the transaction resource object.

[0082] According to an embodiment of the present disclosure, the at least one business type can be a universal nested derivative financial business type, such as one or more of a business type of storing a fixed period, a business type of purchasing a fund, and a transfer business type. The first predetermined business type can be a business type such as cashing.

[0083] According to an embodiment of the present disclosure, in the case of determining that the at least one business type does not include the first predetermined business type, that is, the transfer operation of transferring the transaction resource object corresponding to the first predetermined business type to the target user cannot occur, the second business data about the transaction resource object can not be recorded.

[0084] According to the embodiments of the present disclosure, the transaction operation is performed for the target user by the transaction exchange object, the off-cabinet amount of the transaction resource object is reduced, the off-cabinet risk of the transaction resource object is minimized, and the performance pressure on the financial system is reduced. Further, by recording the first business record table about the transaction exchange object and the second business record table about the transaction resource object, the target business record table of the target user is finally generated, which can guarantee the real-time accounting, the closed-loop management and the reconciliation mechanism of the account-to-account reconciliation, improve the accuracy and effectiveness of the transaction.

[0085] The method shown in Figure 3 will be further described below in combination with specific embodiments. Figure 2

[0086] According to the embodiments of the present disclosure, before the operation S201 shown in Figure 2 , the following operations can be performed.

[0087] For example, in response to receiving a financial service request from a user, identity verification information is sent to the user. In response to receiving identity identification information from the user for the identity verification information, the identity identification information is matched with the identity identification record information of the user to obtain a matching result. In the case where the matching result is used to represent that the identity identification information is the same as the identity identification record information, the user is taken as a target user.

[0088] According to the embodiments of the present disclosure, before the operation S201 shown in Figure 2 , and after the identity verification operation of the target user, the following operations can be performed.

[0089] For example, in response to the user being the target user, a target service mode required for responding to the financial service request is determined. In order to operate S201, in the case where the financial service is provided to the target user in accordance with the target service mode, in response to the target user performing at least one transaction operation of a transaction exchange object of at least one business type, at least one first business data and at least one business type about the transaction exchange object are recorded to obtain a first business record table about the transaction exchange object.

[0090] According to the embodiments of the present disclosure, the financial service request can refer to an off-cabinet financial service request. For example, in the case where the financial service request includes the financial service request about cashing, depositing, purchasing financial products, etc., it also includes the request for providing on-site service. The on-site service can refer to the service of the target service mode. For example, the on-site service about the financial direction is provided for the target user.

[0091] ​According to the embodiment of the present disclosure, in the case of providing the financial service to the target user in the target service mode, the business personnel can have carried out the financial service to the target user's home or the location designated by the target user with the transaction exchange and the transaction resource.

[0092] According to the embodiment of the present disclosure, the financial service is provided to the target user in the target service mode, which meets the financial service needs of the target user and improves the stickiness and retention rate of the target user.

[0093] According to the embodiment of the present disclosure, the user can be authenticated by the "identity recognition and authentication subsystem". The "identity recognition and authentication subsystem" can include an "identity recognition module" and an "identity authentication module".

[0094] According to the embodiment of the present disclosure, the identity recognition module in the identity recognition and authentication subsystem can send identity authentication information to the user. The identity authentication module matches the identity identification information with the identity identification record information of the user to obtain a matching result in response to receiving the identity identification information from the user.

[0095] According to the embodiment of the present disclosure, the firewall and other security access technologies, IDS security detection technologies, SSL security transmission technologies, PKI identity authentication technologies, security encryption and decryption technologies based on public and private keys, and biometric multi-factor detection technologies of the Internet financial service are used to ensure the security of the transaction between the financial transaction site and the user.

[0096] According to the embodiment of the present disclosure, the information types of the identity identification information and the identity identification record information can be consistent, so that the identity authentication can be quickly and accurately performed. The identity identification information can include one or more of the information of the identity recognition and authentication mechanism such as fingerprint, facial feature, digital certificate, dynamic password, and verification code.

[0097] According to the embodiment of the present disclosure, the identity recognition module can also be used to adopt mature biometric recognition mechanisms or mature financial media such as card numbers and passbooks, and to realize the identity recognition of the business personnel providing the financial service to the target user in the target service mode by means of camera, fingerprint recognizer, card swiping device and other hardware devices.

[0098] According to the embodiment of the present disclosure, the identity authentication module can be used to compare the authentication means or medium information such as dynamic password, verification code, and digital certificate with the stored authentication data to realize the identity authentication of the business personnel.

[0099] According to the embodiment of the present disclosure, the identity of the user and the business personnel is authenticated by multiple ways and means, which can make the transaction operation more secure and improve the business security.

[0100] According to an embodiment of the present disclosure, for operation S201, in response to the target user performing a transaction operation of at least one business type on the transaction exchange object, recording at least one first business data and at least one business type about the transaction exchange object to obtain a first business record table about the transaction exchange object can include the following operations.

[0101] For example, receiving first warehouse-out data related to the transaction exchange object, wherein the first warehouse-out data includes a warehouse-out quantity of the transaction exchange object; in response to the target user performing a transaction operation of at least one business type on the transaction exchange object, determining at least one first business data and at least one first business type about the transaction exchange object, wherein the at least one first business data and the at least one first business type correspond to each other; receiving first warehouse-in data related to the transaction exchange object, wherein the first warehouse-in data includes a warehouse-in quantity of the transaction exchange object; and based on the first warehouse-out data, the at least one first business data, the at least one first business type, and the first warehouse-in data, obtaining a first business record table about the transaction exchange object.

[0102] According to an embodiment of the present disclosure, the first warehouse-out data can be from a transaction exchange object warehouse-out management module. The transaction exchange object warehouse-out management module is used to complete the normal warehouse-out of the real object, such as the transaction exchange object, according to the amount of the target user's reservation of the off-cabinet financial service. For example, the reservation is the financial service of taking cash on demand and converting large amount of fixed period, and the warehouse-out of the transaction exchange object is performed according to the highest amount of cash taken.

[0103] According to an embodiment of the present disclosure, the transaction exchange object warehouse-out management module includes a transaction exchange object real warehouse-out unit. The transaction exchange object real warehouse-out unit is used to determine the first warehouse-out data of the transaction exchange object, such as the warehouse-out type and the warehouse-out quantity, through the amount demand of the off-cabinet financial service reserved by the target user, and complete the determination of the warehouse-out type of the transaction exchange object, such as the denomination and the warehouse-out quantity, by means of the miniature camera and the bar code scanner.

[0104] According to an embodiment of the present disclosure, the first warehouse-out data related to the transaction exchange object, such as the warehouse-out quantity of the transaction exchange object, can be received from the transaction exchange object warehouse-out management module.

[0105] According to an embodiment of the present disclosure, the at least one first business data and the at least one first business type of the transaction exchange object can be determined in the case that the target user has performed a transaction operation of at least one business type on the transaction exchange object. The at least one first business data and the at least one first business type can be recorded by a transaction exchange object account recording unit. The transaction exchange object account recording unit is used to record the at least one first business data and the at least one first business type according to the actual transaction of the transaction exchange object.

[0106] According to an embodiment of the present disclosure, the first warehousing data can be determined by a transaction exchange warehousing management module. The transaction exchange warehousing management module is used to determine the warehousing quantity of the transaction exchange brought back by the business personnel after the business personnel returns to the site.

[0107] According to an embodiment of the present disclosure, the transaction exchange warehousing management module can include a transaction exchange physical warehousing unit. The transaction exchange physical warehousing unit is used to determine the warehousing quantity of the transaction exchange and the type of the transaction exchange warehousing, such as the denomination, with the assistance of a camera and a scanner.

[0108] According to an embodiment of the present disclosure, the first warehousing data related to the transaction exchange, such as the warehousing quantity of the transaction exchange, can be received from the transaction exchange warehousing management module.

[0109] According to an embodiment of the present disclosure, the first business record table about the transaction exchange can be obtained based on the first warehousing data, the at least one first business data, the at least one first business type, and the first warehousing data. However, the first business record table about the transaction exchange is not limited to the above data. It can also include data such as the transaction acceptance site, the transaction occurrence site, the transaction occurrence time, and the identification related to the transaction exchange.

[0110] Specifically, the transaction acceptance site can be the site number of the off-site financial business. The transaction occurrence site can be the transaction site where the off-site financial business occurs. The identification related to the transaction exchange can be the transaction exchange warehousing transaction serial number.

[0111] According to an embodiment of the present disclosure, by interacting with the transaction exchange warehousing management module, the transaction exchange warehousing management module, and the like, the server executing the business processing method can automatically obtain the first warehousing data, the at least one first business data, the at least one first business type, and the first warehousing data, so that the generated first business record table is simple, accurate, and comprehensive in data.

[0112] According to an embodiment of the present disclosure, the first service record table can be as shown in Table 1. As shown in Table 1, the first service record table records relevant information of the target user, such as the customer number of the target user. The target user sends a financial service request for "cash withdrawal and transfer" to the financial institution, and the receiving point is the 203 point in Beijing. The point completes the out-of-warehouse of the transaction exchange currency according to the customer's reservation quota. The receiving point, the transaction type, the transaction code (i.e., the service type), the first out-of-warehouse data can be recorded in the first service record table. In addition, the serial number range of the transaction exchange currency, for example, DS1000-DS3000, can also be recorded in the first service record table. After the service personnel (such as the off-cash transaction applicant) go to the designated location of the target user, the target user can first be identified and authenticated. After successful authentication, the transaction exchange currency is used to provide financial transaction services for the target, and the first service data and the service type are recorded in the first service record table. In addition, the remaining transaction exchange currency (i.e., the first in-warehouse data) brought back to the point by the service personnel can also be recorded in the first service record table.

[0113]

[0114] According to an embodiment of the present disclosure, for the operation S202 as shown in Figure 2 In a case where it is determined that the at least one service type includes the first predetermined service type, in response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user, recording second service data about the transaction resource object and the first predetermined service type, and obtaining a second service record table about the transaction resource object can include the following operations.

[0115] For example, in a case where it is determined that the at least one service type includes the first predetermined service type, receiving second out-of-warehouse data related to the transaction resource object, wherein the second out-of-warehouse data includes an out-of-warehouse quantity of the transaction resource object; in response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user, determining second service data related to the transaction resource object and a second service type; receiving second in-warehouse data related to the transaction resource object, wherein the second in-warehouse data includes an in-warehouse quantity of the transaction resource object; and based on the second out-of-warehouse data, the second service data, the second service type, and the second in-warehouse data, obtaining a second service record table about the transaction resource object.

[0116] According to an embodiment of the present disclosure, the first predetermined service type includes cash withdrawal.

[0117] According to an embodiment of the present disclosure, in a case where it is determined that the at least one service type includes the first predetermined service type, the service personnel needs to cash the transaction resource object with liquidity to the target user. That is, a transfer operation of transferring the transaction resource object to the target user is performed. The server determines second service data and a second service type related to the transaction resource object in response to having performed the transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user. On this basis, the server also needs to receive second warehouse-out data related to the transaction resource object, and second warehouse-in data related to the transaction resource object. And based on the second warehouse-out data, the second service data, the second service type and the second warehouse-in data, a second service record table about the transaction resource object is obtained.

[0118] According to an embodiment of the present disclosure, the second warehouse-out data can be determined by using a resource exchange object warehouse-out management module. The resource exchange object warehouse-out management module is used to complete the normal warehouse-out of the real object such as the resource exchange object according to the amount of money of the target user's reservation of the off-cabinet financial service. For example, the reservation is the financial service of current cashing and transferring large amount of fixed term, then the warehouse-out of the resource exchange object is performed according to the highest amount of the current cashing. But it is not limited to this. It can also be that the warehouse-out of the resource exchange object is performed according to the difference between the current cashing and the large amount of deposit.

[0119] According to an embodiment of the present disclosure, the resource exchange object warehouse-out management module can include a resource exchange object real warehouse-out unit. The resource exchange object real warehouse-out unit is used to determine the type and the amount of the warehouse-out of the resource exchange object by means of the micro video camera and the bar code scanner according to the first warehouse-out data of the transaction exchange object real warehouse-out unit.

[0120] According to an embodiment of the present disclosure, the server determines the second service data and the second service type related to the transaction resource object in response to having performed the transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user. The second service data and the second service type related to the transaction resource object can be recorded by using a resource object account recording unit. The resource object account recording unit is used to determine the second service data and the second service type according to the actual warehouse-out denomination and the amount of the resource exchange object real warehouse-out unit. It can be understood that the second service type can be the same as the first predetermined service type.

[0121] According to an embodiment of the present disclosure, the second warehouse-in data can be determined by using a resource exchange object warehouse-in management module. The resource exchange object warehouse-in management module is used to determine the warehouse-in amount of the resource exchange object brought back by the service personnel after the service personnel returns to the network point.

[0122] According to an embodiment of the present disclosure, the resource exchange warehousing management module can include a resource exchange warehousing physical unit. The resource exchange warehousing physical unit is used to determine the warehousing quantity of the resource exchange under the assistance of a camera and a scanner, and determine the transaction exchange warehousing type.

[0123] According to an embodiment of the present disclosure, the server can receive the second warehousing data related to the resource exchange sent by the resource exchange warehousing management module, for example, the warehousing quantity of the resource exchange.

[0124] According to an embodiment of the present disclosure, the second business record table about the transaction resource can be obtained based on the second warehousing data, the second business data, the second business type and the second warehousing data. However, the second business record table about the transaction resource is not limited to the above data. It can also include data such as transaction acceptance site, transaction occurrence site, transaction occurrence time, and identification related to the transaction resource.

[0125] Specifically, the transaction acceptance site can be the number of the site providing the off-site financial business. The transaction occurrence site can be the transaction site where the off-site financial business occurs. The identification related to the transaction resource can be the transaction resource warehousing transaction serial number.

[0126] According to an embodiment of the present disclosure, by interacting with the transaction resource warehousing management module, the transaction resource warehousing management module, etc., the server executing the business processing method can automatically obtain the second warehousing data, the second business data, the second business type and the second warehousing data, so that the generated second business record table is simple, accurate and comprehensive in data.

[0127] According to an embodiment of the present disclosure, the second business record table can be as shown in Table 2. The target user sends a financial business request for "cash withdrawal" to the financial institution, and the acceptance site is the 203 site in Beijing area. The site completes the warehousing of the transaction resource according to the cash withdrawal quota reserved by the target user, and records the second warehousing data in the second business record table. At the same time, the acceptance site, the transaction type, the transaction code (i.e. the business type) can be recorded in the second business record table. In addition, the serial number range of the transaction resource, for example, FOH1000-FOH3000, can also be recorded in the second business record table. After the business personnel (such as the off-site transaction applicant) go to the designated site of the target user, they use the transaction resource to provide financial transaction services for the target, and record the second business data and the business type in the second business record table. In addition, the remaining transaction resources (i.e. the second warehousing data) brought back by the business personnel can also be recorded in the second business record table.

[0128]

[0129] According to an embodiment of the present disclosure, for the above-mentionedFigure 2 The operation S203 of generating the target service record table of the target user based on the first service record table and the second service record table can include the following operations.

[0130] For example, the first target service record data is determined from the first service record table based on the service processing time, wherein the first target service record data includes at least one first financial service identification information of the target user related to the transaction exchange. The second target service record data is determined from the second service record table based on the service processing time, wherein the second target service record data includes at least one second financial service identification information of the target user related to the transaction resource. The target service record table of the target user is generated based on the correlation between the first target service record data and the second target service record data.

[0131] According to an embodiment of the present disclosure, the service processing time can be a predetermined time period, for example, the service processing time is set to May 3, 2022 to May 4, 2022 according to actual needs. The first service record table records the processing time of the financial service, in addition, the first service record table can also record the identity information of the target user of the financial service, for example, the customer number. As shown in Table 3, the first target service record data can be determined from the first service record table based on the service processing time and the identity information of the target user. Similarly, the second target service record data can be determined from the second service record table based on the service processing time and the identity information of the target user.

[0132]

[0133] According to an embodiment of the present disclosure, the first target service record data records the service data of the target user related to the transaction exchange, and the second target service record data records the service data of the target user related to the transaction resource. The first target service record data and the second target service record data respectively represent the financial service of the target user to the same account, for example, a bank card, a passbook, using different items, so there is a correlation between the first target service record data and the second target service record data. The target service record table of the target user can be generated based on the correlation between the first target service record data and the second target service record data.

[0134] According to an embodiment of the present disclosure, since the content counted in the target service record table of the target user includes the first service identification information and the second service identification information, the first summary data about the transaction exchange object can be obtained based on the first service identification information and the first service record table. The second summary data about the transaction resource object can be obtained based on the second service identification information and the second service record table. The physical reconciliation between the transaction exchange object and the transaction resource object can be performed based on the first summary data and the second summary data, and the book reconciliation between the first service record table and the second service record table can also be performed.

[0135] For example, the transaction record set is queried in the first service record table with the customer number and the transaction date as the primary key, and the difference between the first and the last transaction exchange object serial number range is obtained to obtain the transaction exchange object out of the warehouse to the last transaction exchange object used by the financial exchange. If the difference = 0, it means that there is no actual transaction resource object delivery, and if the difference > 0, it means that there is actual transaction resource object delivery. Similarly, the actual transaction delivery of the transaction resource object can be determined from the second service record table. The hooking relationship mapping between the transaction resource object and the transaction exchange object is realized, and the reconciliation is realized.

[0136] According to an embodiment of the present disclosure, by introducing the transaction exchange object combined with the first service record table, a first financial service management system without resource exchange object delivery is constructed. By introducing the transaction resource object combined with the second service record table, a second financial service management system with resource exchange object delivery is constructed. The flexible conversion between the transaction exchange object and the transaction resource object, the physical reconciliation and the book reconciliation between the transaction exchange object and the transaction resource object are realized by constructing the hooking relationship between the transaction exchange object and the transaction resource object, thereby providing technical support for the off-cabinet financial service.

[0137] According to an embodiment of the present disclosure, the business processing method can further include: in a case where it is determined that the at least one service type includes the first predetermined service type, updating, based on the second service data, the service data about the transaction resource object of the target user in the database.

[0138] According to an embodiment of the present disclosure, the service data about the transaction resource object of the target user in the database can refer to the service data about the transaction resource object under the account such as the bank card number or the passbook of the target user recorded in the database. In a case where the at least one service type includes the first predetermined service type, it can be understood that the cashing operation of transferring the transaction resource object to the target user is performed. Therefore, the second service data, i.e., the cashing amount, can be subtracted from the service data about the transaction resource of the target user, and the updating operation of the service data in the database is completed.

[0139] According to the embodiment of the present disclosure, the business data of the target user about the transaction resource in the database is updated in real time according to the second business data, which can realize real-time processing of the business data, ensure the accuracy of the business data, and make the updating of the business data in the database simple and easy to operate.

[0140] According to the embodiment of the present disclosure, the at least one first business type can include not only the first predetermined business type, but also a second predetermined business type. The second predetermined business type can include at least one of the following: transfer, remittance, and purchase of a financial product.

[0141] According to the embodiment of the present disclosure, in the case where the at least one first business type includes the second predetermined business type, the business processing method can further include the following operation.

[0142] For example, in the case where it is determined that the at least one business type includes the second predetermined business type, the predetermined business interface is linked to; the business request matched with the second predetermined business type is sent to the target business server through the predetermined business interface, so that the target business server performs the business transaction operation matched with the second predetermined business type in response to the business request matched with the second predetermined business type; and in response to receiving the feedback information from the target business server, the business data of the target user about the transaction resource in the database is updated based on the business request consistent with the second predetermined business type.

[0143] According to the embodiment of the present disclosure, the internet financial business service identification module can be used to determine whether the at least one first business type includes the second predetermined business type. By extracting the transaction code from the financial business request, the business type of the financial business service in the subsequent financial business request of the target user is identified according to the transaction code financial business service correspondence table, and it is determined that the at least one first business type includes the second predetermined business type.

[0144] According to the embodiment of the present disclosure, the internet financial business service identification module can be used to determine whether the at least one first business type includes the second predetermined business type. By extracting the transaction code from the financial business request, the business type of the financial business service in the subsequent financial business request of the target user is identified according to the transaction code financial business service correspondence table, and it is determined that the at least one first business type includes the second predetermined business type.

[0145] According to the embodiment of the present disclosure, the server can update the business data of the target user about the transaction resource in the database based on the business request consistent with the second predetermined business type in response to receiving the feedback information from the target business server.

[0146] According to an embodiment of the present disclosure, the feedback information can represent that the financial service corresponding to the second predetermined service type has been successfully executed. The service data of the target user in the database can be updated. For example, the financial service corresponding to the second predetermined service type is a transfer service, after the operation of transferring 100 transaction resources from the account of the target user to the account of user A is executed, the service data of the target user about the account of the transaction resources in the database can be updated by performing a subtraction operation on the transfer amount of the transaction resources.

[0147] According to an embodiment of the present disclosure, the service data of the target user about the transaction resources in the database is updated in real time according to the service request consistent with the second predetermined service type, which can realize real-time processing of the service data, ensure the accuracy of the service data, and make the updating of the service data in the database simple and easy to operate.

[0148] According to an embodiment of the present disclosure, after the target service record table of the target user is generated based on the first service record table and the second service record table, the service processing method can further include the following operations.

[0149] For example, the first target service data is determined from the first service record table and the second target service data is determined from the second service record table based on the target service record table of the target user; and the service processing result is determined based on the first target service data, the second target service data, and the service data of the target user about the transaction resources in the database, wherein the service processing result represents the accuracy of processing the financial service.

[0150] According to other embodiments of the present disclosure, the server for executing the service processing method can further include a suspense processing unit. From the perspective of accounting analysis, when the first service record table and the second service record table do not match, such as when the actual number of any of the transaction exchange and the transaction resources does not match the recorded result, the first service record table or the second service record table that has a problem can be marked as a suspense, and subsequent operations can be completed through manual intervention.

[0151] According to other embodiments of the present disclosure, the server for executing the service processing method can further include an off-site service network and a customer anti-fraud digital monitoring unit. When the first service record table or the second service record table is suspended, the suspended transaction is automatically included in the off-site network manual acceptance category according to the suspension identification, and a designated teller manually verifies the suspended transaction. If there is indeed a real account difference, the transaction is included in the anti-fraud digital monitoring, just like ordinary counter transactions, and subsequent account tracking operations are completed.

[0152] According to an embodiment of the present disclosure, the server for performing the business processing method can further include an off-counter transaction resource service diversion module. The off-counter transaction resource service diversion module is configured to divert the off-counter financial service channel triggered by the newly added Internet financial service on the basis of the Internet financial service docking module. In the electronic banking channel access application, the diversion channel identifier is recorded and included in the digital operation data.

[0153] Figure 3 An interaction diagram of a business processing method according to an embodiment of the present disclosure is schematically shown.

[0154] As shown in Figure 3 , the business processing method includes operations S301-S310.

[0155] In operation S301, a target user sends a financial service request to a server.

[0156] In operation S302, in response to receiving the financial service request from the target user, a target service mode required for responding to the financial service request is determined.

[0157] According to an embodiment of the present disclosure, the financial institution can provide off-counter transaction resources and derivative financial services for target users such as the elderly or customers with mobility barriers. In the off-counter transaction resource financial service scenario, the business personnel can first complete the authentication and identification of the target user's identity through mature biometric identification technology or Internet conventional authentication mechanisms (such as SMS verification code) to improve the security of off-counter financial services.

[0158] In operation S303, in the case of providing the target user with the financial service according to the target service mode, in response to the target user performing at least one type of transaction operation on the transaction exchange object, at least one first business data and at least one business type about the transaction exchange object are recorded to obtain a first business record table about the transaction exchange object.

[0159] In operation S304, in the case where the at least one business type includes a first predetermined business type, in response to a transfer operation of transferring the transaction resource corresponding to the first predetermined business type to the target user, second business data about the transaction resource and the first predetermined business type are recorded to obtain a second business record table about the transaction resource.

[0160] In operation S305, a target business record table about the target user is generated based on the first business record table and the second business record table.

[0161] According to an embodiment of the present disclosure, the financial institution can complete the out-of-cage of the transaction exchange and the transaction resource according to the transaction resource service quota, and record in the first business record table and the second business record table respectively.

[0162] According to an embodiment of the present disclosure, the point service of the transaction exchange can be provided for the target user according to the demand of the target user. The point service can be understood as: after the target user verifies the number and face value of the transaction exchange, the point service determines the total amount of the transaction exchange after the cashing, and then stores the transaction exchange. The point service can be recorded in the first business record table in the form of a transaction log to complete the accounting of the point service. Since the target user generally performs the point service, the cashing amount of the transaction resource will be much smaller than the amount of the transaction exchange of the point service, so the actual transaction resource delivery amount will be much smaller than the use amount of the transaction exchange. Therefore, the property security of the off-cage financial service can be improved.

[0163] It should be noted that the first business data, the first in-cage data, the first out-of-cage data of the transaction exchange, the second business data, the second in-cage data, the second out-of-cage data of the transaction resource, etc. can be collected by the terminal device provided by the financial institution.

[0164] In operation S306, in a case where it is determined that the at least one business type includes the first predetermined business type, the business data of the target user about the transaction resource in the database is updated based on the second business data.

[0165] According to an embodiment of the present disclosure, since the off-cage financial service is generally a nested derivative financial service, for example, in the case of including the point service, other financial transaction services such as cashing, transferring, and purchasing financial products can also be included.

[0166] According to an embodiment of the present disclosure, in a case where the business type includes the first predetermined business type such as the cashing business type, the transaction resource can be transferred to the target user according to the cashing amount of the target user. In this case, the business data of the target user about the transaction resource in the database can be updated according to the amount of the transaction resource transferred to the target user, for example, the second business data.

[0167] In operation S307, in a case where it is determined that the at least one business type includes the second predetermined business type, the predetermined business interface is linked.

[0168] In operation S308, the business request matched with the second predetermined business type is sent to the target business server through the predetermined business interface.

[0169] At operation S309, the target service server performs a service transaction operation matching the second predetermined service type in response to the service request matching the second predetermined service type.

[0170] At operation S310, in response to receiving the feedback information from the target service server, service data of the target user about the transaction resource object is updated based on the service request consistent with the second predetermined service type.

[0171] According to an embodiment of the present disclosure, the second predetermined service type can include a financial service type such as a transfer, purchase of a financial product, etc. A predetermined service interface and a financial service transaction code, etc. can be determined according to the service request matching the second predetermined service type, and other financial transaction names and predetermined service interfaces having a mapping relationship with the transaction code are determined as the primary key of the transaction code, to realize the docking of the off-cabinet transaction exchange object transaction and the derived financial transaction.

[0172] Figure 4 A block diagram of a service processing apparatus according to an embodiment of the present disclosure is schematically shown.

[0173] As shown in Figure 4 The service processing apparatus 400 includes a first recording module 410, a second recording module 420, and a third recording module 430.

[0174] The first recording module 410 is configured to record at least one first service data about the transaction exchange object and at least one service type in response to the target user performing a transaction operation of at least one service type on the transaction exchange object, to obtain a first service record table about the transaction exchange object.

[0175] The second recording module 420 is configured to record second service data about the transaction resource object and the first predetermined service type in response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user, in a case where it is determined that the at least one service type includes the first predetermined service type, to obtain a second service record table about the transaction resource object.

[0176] The third recording module 430 is configured to generate a target service record table about the target user based on the first service record table and the second service record table.

[0177] According to an embodiment of the present disclosure, the third recording module includes:

[0178] The first identification determining unit is configured to determine first target service record data including first service identification information of at least one first financial service related to the transaction exchange object from the first service record table based on a service processing time.

[0179] The second identifier determining unit is configured to determine, based on the service processing time, second target service record data from the second service record table, wherein the second target service record data comprises at least one second financial service service identifier information related to the transaction resource object.

[0180] The target generating unit is configured to generate, based on the correlation between the first target service record data and the second target service record data, a target service record table of the target user.

[0181] According to an embodiment of the present disclosure, the first recording module comprises:

[0182] The first determining unit is configured to receive, in the case of providing the financial service to the target user through the target service mode, first warehouse-out data related to the transaction exchange object, wherein the first warehouse-out data comprises a warehouse-out quantity of the transaction exchange object.

[0183] The second determining unit is configured to determine, in response to the target user performing a transaction operation of at least one service type on the transaction exchange object, at least one first service data and at least one first service type related to the transaction exchange object, wherein the at least one first service data and the at least one first service type are in one-to-one correspondence.

[0184] The third determining unit is configured to receive first warehouse-in data related to the transaction exchange object, wherein the first warehouse-in data comprises a warehouse-in quantity of the transaction exchange object.

[0185] The first generating unit is configured to obtain, based on the first warehouse-out data, the at least one first service data, the at least one first service type, and the first warehouse-in data, a first service record table related to the transaction exchange object.

[0186] According to an embodiment of the present disclosure, the second recording module comprises:

[0187] The fourth determining unit is configured to receive, in the case of determining that the at least one service type comprises a first predetermined service type, second warehouse-out data related to the transaction resource object, wherein the second warehouse-out data comprises a warehouse-out quantity of the transaction resource object.

[0188] The fifth determining unit is configured to determine, in response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user, second service data and a second service type related to the transaction resource object.

[0189] The sixth determining unit is configured to receive second warehouse-in data related to the transaction resource object, wherein the second warehouse-in data comprises a warehouse-in quantity of the transaction resource object.

[0190] The second generating unit is configured to generate a second service record table about the transaction resource based on the second warehouse-out data, the second service data, the second service type, and the second warehouse-in data.

[0191] According to an embodiment of the present disclosure, the service processing device further comprises:

[0192] The first updating module is configured to update the service data about the transaction resource of the target user in the database based on the second service data, in a case where the at least one service type comprises the first predetermined service type.

[0193] According to an embodiment of the present disclosure, the service processing device further comprises:

[0194] The linking module is configured to link to the predetermined service interface, in a case where the at least one first service type comprises the second predetermined service type.

[0195] The request sending module is configured to send a service request matched with the second predetermined service type to the target service server through the predetermined service interface, so that the target service server performs a service transaction operation matched with the second predetermined service type in response to the service request matched with the second predetermined service type.

[0196] The second updating module is configured to update the service data about the transaction resource of the target user in the database based on the service request consistent with the second predetermined service type, in response to receiving feedback information from the target service server.

[0197] According to an embodiment of the present disclosure, the service processing device further comprises, after the third record module:

[0198] The data extracting module is configured to determine first target service data from the first service record table and second target service data from the second service record table based on the target service record table of the target user.

[0199] The reconciliation module is configured to determine a service processing result based on the first target service data, the second target service data, and the service data about the transaction resource of the target user in the database, wherein the service processing result is used to represent the accuracy of processing the financial service. According to an embodiment of the present disclosure, the service processing device further comprises:

[0200] The identity verification module is configured to send identity verification information to the user in response to receiving a financial service request from the user.

[0201] The identity identification module is configured to match the identity identification information with the identity identification record information of the user to obtain a matching result, in response to receiving the identity identification information from the user for the identity verification information.

[0202] The identity determining module is configured to determine the user as the target user in a case where the matching result indicates that the identity identification information is identical to the identity identification record information.

[0203] According to an embodiment of the present disclosure, the service processing apparatus further comprises a service determining module.

[0204] The service determining module is configured to determine a target service mode required for responding to a financial service request from the target user in response to receiving the financial service request. The first record module is configured to record at least one first service data about a transaction exchange object and at least one service type in response to the target user performing a transaction operation of the at least one service type for the transaction exchange object in a case where the target service mode is used to provide the target user with the financial service.

[0205] Any one or more of the modules, sub-modules, units, sub-units according to the embodiments of the present disclosure, or at least part of the functions of any one or more of the modules, sub-modules, units, sub-units can be implemented in one module. Any one or more of the modules, sub-modules, units, sub-units according to the embodiments of the present disclosure can be split into multiple modules for implementation. Any one or more of the modules, sub-modules, units, sub-units according to the embodiments of the present disclosure can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or any other reasonable way of hardware or firmware by integrating or packaging the circuit, or in any one of software, hardware and firmware or in an appropriate combination of any of the above. Alternatively, one or more of the modules, sub-modules, units, sub-units according to the embodiments of the present disclosure can be at least partially implemented as computer program modules that can perform corresponding functions when the computer program modules are run.

[0206] For example, any of the service determining module 410, the first recording module 420, the second recording module 430, and the third recording module 440 can be combined in one module / unit / sub-unit, or any of the modules / units / sub-units can be split into multiple modules / units / sub-units. Alternatively, at least part of the function of one or more of the modules / units / sub-units can be combined with at least part of the function of other modules / units / sub-units, and implemented in one module / unit / sub-unit. According to an embodiment of the present disclosure, at least one of the service determining module 410, the first recording module 420, the second recording module 430, and the third recording module 440 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on board, a system on package, an application specific integrated circuit (ASIC), or any other reasonable manner of integrating or packaging a circuit, etc. in hardware or firmware, or implemented in any one of software, hardware, and firmware or in a proper combination of any of them. Alternatively, at least one of the service determining module 410, the first recording module 420, the second recording module 430, and the third recording module 440 can be at least partially implemented as a computer program module that can perform corresponding functions when the computer program module is run.

[0207] It should be noted that the service processing device part in the embodiments of the present disclosure corresponds to the service processing method part in the embodiments of the present disclosure, and the description of the service processing device part is specifically referred to the service processing method part, which will not be repeated here.

[0208] Figure 5 A block diagram of a computer system suitable for implementing the above-described methods according to an embodiment of the present disclosure is schematically shown. Figure 5 The computer system shown is merely an example, and should not bring any limitation to the functions and use range of the embodiments of the present disclosure.

[0209] As Figure 5 shown, the computer system 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 502 or programs loaded from a storage part 508 to a random access memory (RAM) 503. The processor 501 can include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor, and / or a related chipset, and / or a special-purpose microprocessor (such as an application specific integrated circuit (ASIC)), etc. The processor 501 can also include an on-board memory for cache use. The processor 501 can include a single processing unit or multiple processing units for performing different actions of the method processes according to embodiments of the present disclosure.

[0210] In the RAM 503, various programs and data required for the operation of the system 500 are stored. The processor 501, the ROM 502, and the RAM 503 are connected to each other via the bus 504. The processor 501 performs various operations of the method flow according to the embodiments of the present disclosure by executing the programs in the ROM 502 and / or the RAM 503. It is to be noted that the programs can also be stored in one or more memories other than the ROM 502 and the RAM 503. The processor 501 can also perform various operations of the method flow according to the embodiments of the present disclosure by executing the programs stored in the one or more memories.

[0211] According to the embodiments of the present disclosure, the system 500 can further include an input / output (I / O) interface 505, which is also connected to the bus 504. The system 500 can further include one or more of the following components connected to the I / O interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 508 including a hard disk, etc.; and a communication portion 509 including a network interface card such as a LAN card, a modem, etc. The communication portion 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as necessary. A removable recording medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, and the like is attached to the drive 510 as necessary, so that a computer program read therefrom is installed in the storage portion 508 as necessary.

[0212] According to the embodiments of the present disclosure, the method flow according to the embodiments of the present disclosure can be implemented as a computer software program. For example, the embodiments of the present disclosure include a computer program product comprising a computer program carrying out the program codes for executing the method shown in the flowchart carried on a computer readable storage medium. In such embodiments, the computer program can be downloaded and installed from the network via the communication portion 509, and / or installed from the removable recording medium 511. When the computer program is executed by the processor 501, the above-described functions defined in the system of the embodiments of the present disclosure are performed. According to the embodiments of the present disclosure, the system, the device, the apparatus, the module, the unit, etc. described above can be implemented by computer program modules.

[0213] The present disclosure also provides a computer readable storage medium, which can be included in the device / apparatus / system described in the above embodiments, or exist separately without being assembled into the device / apparatus / system. The above computer readable storage medium carries one or more programs, which when executed, implement the method according to the embodiments of the present disclosure.

[0214] According to the embodiments of the present disclosure, the computer readable storage medium can be a non-volatile computer readable storage medium. For example, it can include, but is not limited to: a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any appropriate combination thereof. In the present disclosure, the computer readable storage medium can be any tangible medium that contains or stores a program, which can be used by or in connection with an instruction execution system, apparatus, or device.

[0215] For example, according to the embodiments of the present disclosure, the computer readable storage medium can include one or more memories other than the ROM 502 and / or the RAM 503 described above.

[0216] The embodiments of the present disclosure also include a computer program product, which includes a computer program containing program codes for executing the method provided by the embodiments of the present disclosure, and when the computer program product is run on an electronic device, the program codes are used to make the electronic device implement the service processing method provided by the embodiments of the present disclosure.

[0217] When the computer program is executed by the processor 501, the above functions defined in the system / apparatus of the embodiments of the present disclosure are executed. According to the embodiments of the present disclosure, the system, apparatus, module, unit, etc. described above can be implemented by computer program modules.

[0218] In one embodiment, the computer program can rely on tangible storage media such as optical storage media, magnetic storage media, etc. In another embodiment, the computer program can also be transmitted, distributed, downloaded and installed in the form of signals on a network medium, and be downloaded and installed through the communication part 509, and / or installed from the detachable medium 511. The program codes contained in the computer program can be transmitted by any appropriate network medium, including but not limited to wireless, wired, etc., or any appropriate combination thereof.

[0219] According to embodiments of the present disclosure, program code of a computer program provided by embodiments of the present disclosure can be written in any combination of one or more programming languages, and specifically, can be implemented using a high-level procedural and / or object-oriented programming language, and / or an assembly / machine language. Programming languages include, but are not limited to, Java, C++, python, "C" language, or similar programming languages. Program code can execute entirely on a user's computing device, partly on a user device, partly on a remote computing device, or entirely on a remote computing device or server. In the latter scenario, the remote computing device can be connected to the user's computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or the connection can be made to an external computing device, such as through the Internet using an Internet Service Provider.

[0220] The flow diagrams and the block diagrams in the drawings are illustrations of architectures, functionalities, and operations of possible implementations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flow diagrams or block diagrams can represent a module, a segment, or a portion of code, which comprises one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and / or flow diagrams, and combinations thereof, can be implemented by special purpose hardware-based systems that perform the specified functions or operations, or combinations of special purpose hardware and computer instructions.

[0221] Embodiments of the present disclosure have been described. However, these embodiments are merely meant to be illustrative and not limiting of the present disclosure. Although each of the embodiments has been described separately, this does not mean that measures in the various embodiments cannot be used advantageously in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A method for processing a service, comprising: determining a target service mode required for responding to a request for an off-cabinet financial service; in a case where a financial service is provided to a target user in accordance with the target service mode, recording at least one first service data about a transaction exchange object and at least one service type in response to a transaction operation of the target user for the transaction exchange object, the transaction exchange object indicating an article that is approved by the target user but does not have liquidity, to obtain a first service record table about the transaction exchange object; in a case where it is determined that the at least one service type includes a first predetermined service type, recording second service data about a transaction resource object and the first predetermined service type in response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user, the transaction resource object indicating an article that is approved by the target user and has liquidity, to obtain a second service record table about the transaction resource object; and generating a target service record table about the target user based on the first service record table and the second service record table. The generating of the target service record table about the target user based on the first service record table and the second service record table includes:

2. The method of claim 1, wherein, determining first target service record data from the first service record table based on a service processing time, wherein the first target service record data includes first service identification information of each of at least one first financial service related to the transaction exchange object; determining second target service record data from the second service record table based on the service processing time, wherein the second target service record data includes second service identification information of each of at least one second financial service related to the transaction resource object; generating the target service record table about the target user based on a correlation between the first target service record data and the second target service record data. The recording of the at least one first service data about the transaction exchange object and the at least one service type in response to the transaction operation of the target user for the transaction exchange object to obtain the first service record table about the transaction exchange object includes:

3. The method of claim 1, wherein, receiving first warehouse-out data related to the transaction exchange object, wherein the first warehouse-out data includes a warehouse-out quantity of the transaction exchange object; determining the at least one first service data about the transaction exchange object and the at least one first service type in response to the transaction operation of the target user for the transaction exchange object, wherein the at least one first service data and the at least one first service type are in one-to-one correspondence; receiving first warehouse-in data related to the transaction exchange object, wherein the first warehouse-in data includes a warehouse-in quantity of the transaction exchange object; and ​ The first business record table about the transaction exchange is obtained based on the first warehouse-out data, the at least one first business data, the at least one first business type and the first warehouse-in data.

4. The method of claim 3, wherein, In a case where it is determined that the at least one business type includes a first predetermined business type, second business data about the transaction resource and the first predetermined business type are recorded in response to a transfer operation of transferring the transaction resource corresponding to the first predetermined business type to the target user, to obtain a second business record table about the transaction resource, including: In a case where it is determined that the at least one business type includes the first predetermined business type, second warehouse-out data related to the transaction resource is received, wherein the second warehouse-out data includes a warehouse-out quantity of the transaction resource; In response to the transfer operation of transferring the transaction resource corresponding to the first predetermined business type to the target user, the second business data related to the transaction resource and the second business type are determined; Second warehouse-in data related to the transaction resource is received, wherein the second warehouse-in data includes a warehouse-in quantity of the transaction resource; and The second business record table about the transaction resource is obtained based on the second warehouse-out data, the second business data, the second business type and the second warehouse-in data.

5. The method of claim 4, further comprising: In a case where it is determined that the at least one business type includes the first predetermined business type, the business data about the transaction resource of the target user in the database is updated based on the second business data.

6. The method of claim 5, further comprising: In a case where it is determined that the at least one business type includes a second predetermined business type, a predetermined business interface is linked to; Through the predetermined business interface, a business request matching the second predetermined business type is sent to a target business server, so that the target business server performs a business transaction operation matching the second predetermined business type in response to the business request matching the second predetermined business type; And In response to receiving feedback information from the target business server, the business data about the transaction resource of the target user in the database is updated based on the business request consistent with the second predetermined business type.

7. The method of claim 6, further comprising, after the target business record table about the target user is generated based on the first business record table and the second business record table: Based on the target business record table of the target user, first target business data is determined from the first business record table and second target business data is determined from the second business record table; determining a business processing result based on the first target business data, the second target business data and the business data about the transaction resource object of the target user in the database, wherein The business processing result is used to represent the accuracy of processing the financial business service. 8.The method of claim 1, further comprising, before the recording, in response to the target user conducting at least one transaction operation of at least one business type on a transaction exchange object, at least one first business data about the transaction exchange object and the at least one business type, obtaining a first business record table about the transaction exchange object: in response to receiving a financial service request from a user, sending identity authentication information to the user; in response to receiving identity identification information from the user for the identity authentication information, matching the identity identification information with identity identification record information of the user, obtaining a matching result; and in a case where the matching result indicates that the identity identification information is identical to the identity identification record information, regarding the user as the target user. 9.A service processing apparatus, comprising: a first recording module configured to determine a target service mode required for responding to an off-cabinet financial service request; in a case where a financial service is provided to a target user in accordance with the target service mode, recording, in response to the target user conducting at least one transaction operation of at least one business type on a transaction exchange object, at least one first business data about the transaction exchange object and the at least one business type, obtaining a first business record table about the transaction exchange object, the transaction exchange object indicating an object that is approved by the target user but does not have liquidity; a second recording module configured to, in a case where it is determined that the at least one business type includes a first predetermined business type, record, in response to a transfer operation of transferring a transaction resource object corresponding to the first predetermined business type to the target user, second business data about the transaction resource object and the first predetermined business type, obtaining a second business record table about the transaction resource object, the transaction resource object indicating an object that is approved by the target user and has liquidity; and a third recording module configured to generate a target business record table about the target user based on the first business record table and the second business record table. 10.An electronic device, comprising: one or more processors; a memory configured to store one or more instructions, wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1 to 8. 11.A computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to implement the method of any one of claims 1 to 8. 12.A computer program product, comprising computer executable instructions that, when executed, implement the method of any one of claims 1 to 8. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

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