Business processing method and device, computer device and storage medium

Abstract

The application relates to the technical field of big data processing, in particular to a business processing method and device, computer equipment, a storage medium and a program product. The method comprises the following steps: obtaining a to-be-processed business request through a business subsystem, extracting a target parameter corresponding to a resource transfer operation and a target account from the business request; generating a record update instruction corresponding to the resource transfer operation according to the target parameter through the business subsystem, updating the business operation record of the target account by executing the record update instruction; updating the account resource record of the target account according to the updated business operation record through the business subsystem; and judging the updated business operation record and the account resource record in the business subsystem by adopting a preset condition through an early warning subsystem, and generating an early warning result corresponding to the target account. The method can realize the decoupling of the business operation logic and the account early warning logic at the software logic level, thereby reducing the business processing difficulty.

Description

Technical Field

[0001] This application relates to the field of big data processing technology, and in particular to a business processing method, apparatus, computer equipment, storage medium, and computer program product. Background Technology

[0002] To further strengthen the supervision of institutional funds and effectively protect the legitimate rights and interests of users, various fund supervision products have emerged in the market, such as fund supervision platforms and fund supervision systems. Users can sign agreements with institutions and fund supervision platforms to directly deposit funds into institutional accounts under the fund supervision platform, and utilize the fund supervision platform to monitor the institutional account's accounting information in real time to improve fund security.

[0003] However, regulatory strategies in specific sectors are often strongly coupled with the business needs of those sectors, making the regulatory logic quite complex. For example, in the field of pension fund supervision, the fund fees that need to be regulated, as well as the regulatory rules associated with each fund fee, are closely related to local pension fund regulatory policies or pension fund business processing logic. However, currently available general fund supervision products generally have relatively simple business logic, making it difficult to meet the personalized business needs of specific sectors. Summary of the Invention

[0004] Therefore, it is necessary to provide a business processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product that are suitable for the business needs of a specific field, addressing the aforementioned technical problems.

[0005] Firstly, this application provides a business processing method. Applied to a business processing system, the business processing system including a business subsystem and an early warning subsystem, the method includes:

[0006] The business subsystem obtains the business requests to be processed and extracts the target parameters and target accounts corresponding to the resource transfer operation from the business requests.

[0007] The business subsystem generates a record update instruction corresponding to the resource transfer operation based on the target parameters, and executes the record update instruction to update the business operation record of the target account;

[0008] The business subsystem updates the account resource records of the target account based on the updated business operation records;

[0009] The early warning subsystem uses preset conditions to judge the updated business operation records and account resource records in the business subsystem, and generates an early warning result corresponding to the target account. The early warning result is used to indicate whether to perform early warning processing on the target account.

[0010] In one embodiment, before the early warning subsystem judges the updated business operation records and account resource records in the business subsystem using preset conditions to generate an early warning result corresponding to the target account, the method further includes:

[0011] The early warning subsystem determines the business processing stage corresponding to the business request and obtains the preset conditions corresponding to the business processing stage.

[0012] In one embodiment, the step of using the early warning subsystem to judge the updated business operation records and account resource records in the business subsystem according to preset conditions, and generating an early warning result corresponding to the target account, includes:

[0013] The early warning subsystem determines the corresponding early warning parameters from the updated business operation records and account resource records based on the business processing stage. The early warning parameters include at least one of the following: resource transfer amount, resource transfer frequency, or resource transfer channel.

[0014] The early warning subsystem uses the preset conditions to judge the early warning parameters and generates an early warning result corresponding to the target account.

[0015] In one embodiment, the target account includes a target user account and a target organization account;

[0016] The step of generating a record update instruction corresponding to the resource transfer operation based on the target parameters through the business subsystem, and executing the record update instruction to update the business operation record of the target account, includes:

[0017] The business subsystem generates a record update instruction corresponding to the resource transfer operation based on the target parameters, and executes the record update instruction to update the business operation records of the target user account and the target organization account respectively.

[0018] The step of updating the account resource records of the target account through the business subsystem based on the updated business operation records includes:

[0019] The business subsystems obtain the user resource amount of the target user account and the institutional resource amount of the target institution account, respectively.

[0020] The business subsystem processes the user resource amount based on the updated business operation records of the target user account, and updates the account resource records of the target user account using the remaining user amount obtained after processing.

[0021] The business subsystem processes the target institution's resource amount based on the updated business operation records of the target institution's account, and updates the target institution's account resource records using the remaining amount obtained after processing.

[0022] In one embodiment, the business processing system further includes a review subsystem;

[0023] The method further includes:

[0024] The review subsystem performs data matching between the record update instruction and the business operation record to obtain a first matching result, and performs data matching between the business operation record and the account resource record to obtain a second matching result.

[0025] In response to the first matching result and / or the second matching result being a failed match, the review subsystem obtains the first record status of the business operation record and the second record status of the account resource record, respectively.

[0026] The review subsystem determines an exception handling strategy based on the first record status and the second record status, and executes the exception handling strategy to correct the business operation record and the account resource record.

[0027] In one embodiment, the method further includes:

[0028] The review subsystem receives record adjustment requests, processes the record adjustment requests, and obtains corresponding approval results.

[0029] In response to the approved result, the review subsystem adjusts the data of the business operation record and the account resource record according to the record adjustment request.

[0030] Secondly, this application also provides a business processing apparatus. The apparatus includes:

[0031] The parameter extraction module is used to obtain the business request to be processed through the business subsystem of the business processing system, and extract the target parameters and target account corresponding to the resource transfer operation from the business request;

[0032] The instruction execution module is used to generate a record update instruction corresponding to the resource transfer operation based on the target parameters through the business subsystem, and execute the record update instruction to update the business operation record of the target account;

[0033] The record update module is used to update the account resource record of the target account through the business subsystem based on the updated business operation record;

[0034] The account warning module is used to judge the updated business operation records and account resource records in the business subsystem according to preset conditions through the warning subsystem of the business processing system, and generate a warning result corresponding to the target account. The warning result is used to indicate whether to perform warning processing on the target account.

[0035] In one embodiment, the account alert module is further configured to:

[0036] The early warning subsystem determines the business processing stage corresponding to the business request and obtains the preset conditions corresponding to the business processing stage.

[0037] In one embodiment, the account alert module includes:

[0038] The parameter determination unit is used to determine the corresponding early warning parameters from the updated business operation records and account resource records based on the business processing stage through the early warning subsystem. The early warning parameters include at least one of resource transfer amount, resource transfer frequency, or resource transfer channel.

[0039] The parameter comparison unit is used to judge the warning parameters by the preset conditions through the warning subsystem and generate a warning result corresponding to the target account.

[0040] In one embodiment, the target account includes a target user account and a target organization account;

[0041] The instruction execution module is further configured to generate a record update instruction corresponding to the resource transfer operation based on the target parameters through the business subsystem, and execute the record update instruction to update the business operation records of the target user account and the business operation records of the target organization account respectively;

[0042] The record update module further includes:

[0043] The data acquisition unit is used to acquire, through the business subsystem, the user resource amount of the target user account and the institutional resource amount of the target institutional account, respectively.

[0044] The user update unit is used to process the user resource amount according to the updated business operation record of the target user account through the business subsystem, and update the account resource record of the target user account using the user remaining amount obtained after processing.

[0045] The organization update unit is used to process the organization resource amount according to the updated business operation records of the target organization account through the business subsystem, and update the account resource records of the target organization account using the remaining organization amount obtained after processing.

[0046] In one embodiment, the device further includes:

[0047] The record matching module is used to perform data matching between the record update instruction and the business operation record through the review subsystem of the business processing system to obtain a first matching result, and to perform data matching between the business operation record and the account resource record to obtain a second matching result;

[0048] The status acquisition module is used to acquire the first record status of the business operation record and the second record status of the account resource record respectively in response to the first matching result and / or the second matching result being a matching failure, through the review subsystem;

[0049] The record correction module is used to determine an exception handling strategy based on the first record status and the second record status through the review subsystem, and execute the exception handling strategy to correct the business operation record and the account resource record.

[0050] In one embodiment, the device further includes:

[0051] The record adjustment module is used to receive record adjustment requests through the review subsystem, process the record adjustment requests to obtain corresponding approval results, and, in response to the approved approval results, adjust the data of the business operation records and the account resource records according to the record adjustment requests through the review subsystem.

[0052] Thirdly, this application also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the business processing method described in any of the embodiments of the first aspect.

[0053] Fourthly, this application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, implements the business processing method described in any of the embodiments of the first aspect.

[0054] Fifthly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the business processing method described in any of the embodiments of the first aspect.

[0055] The aforementioned business processing methods, apparatus, computer equipment, storage media, and computer program products acquire business requests to be processed through the business subsystem of the business processing system. They extract target parameters and target accounts corresponding to resource transfer operations from the business requests. The business subsystem generates record update instructions corresponding to the resource transfer operations based on the target parameters and executes these instructions to update the business operation records of the target accounts. Furthermore, the business subsystem updates the account resource records of the target accounts based on the updated business operation records. This decoupling of business process operation logic and operation record update logic at the software logic level, based on the generated record update instructions, achieves decoupling between fund processing logic and accounting logic in fund supervision scenarios, thereby reducing the complexity of business processing. The early warning subsystem of the business processing system uses preset conditions to judge the updated business operation records and account resource records in the business subsystem, generating early warning results corresponding to the target accounts. These early warning results indicate whether to process the business request, improving the efficiency and accuracy of resource supervision.

[0056] Furthermore, the business processing method provided in this application utilizes the division of labor and cooperation between the business subsystem and the early warning subsystem within the same business processing system. The business processing function is implemented in the business subsystem, and the business supervision function is implemented in the early warning subsystem. This can improve data processing efficiency, reduce the coupling between business logic and supervision logic at the software logic level, and reduce the difficulty of updating and maintaining the business subsystem and the early warning subsystem. This facilitates secondary development of the business processing function and the business supervision function, and allows for the customization of personalized products that meet the specific business needs of different fields. Attached Figure Description

[0057] Figure 1 This is a flowchart illustrating a business processing method in one embodiment;

[0058] Figure 2 This is a flowchart illustrating the steps for updating business operation records in one embodiment;

[0059] Figure 3 This is a flowchart illustrating the review process in one embodiment;

[0060] Figure 4 This is a flowchart illustrating the business processing method in another embodiment;

[0061] Figure 5 This is a schematic diagram of the account structure of a business subsystem in one embodiment;

[0062] Figure 6 This is a schematic diagram illustrating the interaction between accounts in a business subsystem in one embodiment;

[0063] Figure 7 This is a schematic diagram illustrating the interaction between the early warning subsystem and the business subsystem in one embodiment;

[0064] Figure 8 This is a logical architecture diagram of a business processing system in one embodiment;

[0065] Figure 9 This is a structural block diagram of a service processing device in one embodiment;

[0066] Figure 10 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0067] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0068] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0069] In one embodiment, such as Figure 1 As shown, a business processing method is provided that can reduce the coupling between business logic and regulatory logic at the software logic level. This embodiment illustrates this method by applying it to a server with a business processing system deployed thereon. The business processing system runs a business subsystem and an early warning subsystem, which share data. The business subsystem and the early warning subsystem can be deployed on separate servers and uniformly controlled through a cloud-based control plugin to form a distributed business processing system. Alternatively, the business subsystem and the early warning subsystem can be deployed on the same server, with logical control performed by a central computing unit within the server.

[0070] Understandably, this method can also be applied to terminals, and to systems that include both terminals and servers, and is implemented through the interaction between the terminals and servers. Terminals can be, but are not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. Servers can be implemented using standalone servers or server clusters composed of multiple servers.

[0071] In this embodiment, the method may include the following steps:

[0072] Step S102: Obtain the business request to be processed through the business subsystem, and extract the target parameters and target account corresponding to the resource transfer operation from the business request.

[0073] The business subsystem may store business logic corresponding to the current application scenario, which can be used to respond to business requests under the current application scenario and process the business requests according to the business logic. Optionally, in some embodiments, the business subsystem may also be implemented in the form of a business platform.

[0074] Business requests may include, but are not limited to, any one or more of the following: account signing requests, fund deposit requests, fund withdrawal requests, fund disbursement requests, account termination requests, etc.

[0075] Resource transfer operations can be used to represent operations that transfer business resources such as digital assets and funds, such as crediting operations, clearing operations, disbursement operations, withdrawal operations, refund operations, and interest settlement operations.

[0076] The target parameters may include, but are not limited to, any one or more of the following operational parameters: resource transfer amount, resource transfer time, resource transfer channel, etc.

[0077] The target account can be used to characterize the account associated with the resource transfer operation in the business processing system, such as the resource recipient account and / or the resource transferor account.

[0078] Specifically, the server can obtain business requests to be processed through the business subsystem in the business processing system, parse and process the business requests using pre-stored business logic, and extract the target parameters and target account corresponding to the resource transfer operation from the business requests based on the parsing results. In some embodiments, when the business request does not involve a resource transfer operation, the business subsystem can directly process the business request without triggering the early warning subsystem.

[0079] Step S104: The business subsystem generates a record update instruction corresponding to the resource transfer operation based on the target parameters, and executes the record update instruction to update the business operation record of the target account.

[0080] Among them, the record update instruction can be used to represent an atomic record update operation that extracts the action involving changes to business records in the business request processing flow.

[0081] Business operation records can be used to represent the business ledger of the target account and can store all resource transfer operation records related to the target account.

[0082] Specifically, since the complete processing flow of business requests is generally lengthy and the complete business logic is quite complex, it can easily affect business processing efficiency. Therefore, the server can use the business subsystem to simultaneously call multiple threads to asynchronously execute resource transfer operations and corresponding record update operations, thereby decoupling business processing logic and accounting processing logic at the software logic level. The business subsystem retrieves the business operation record of the target account corresponding to the resource transfer operation within the thread executing the record update operation. Based on the target parameters corresponding to the resource transfer operation, the business subsystem generates a record update instruction corresponding to the resource transfer operation, executes the record update instruction to update the business operation record of the target account, and stores the target parameters in the business operation record to form a business-dimensional operation record.

[0083] Step S106: The business subsystem updates the account resource records of the target account based on the updated business operation records.

[0084] Among them, the account resource record can be used to represent the resource ledger of the target account, and can record the resource transfer flow and the amount of resources held by the target account.

[0085] Specifically, the server can obtain the account resource record corresponding to the target account through the business subsystem to determine the amount of resources held under the current target account. Based on the updated business operation record, the amount of resources held under the target account is updated to determine the remaining amount of resources in the target account after the resource transfer operation is executed, and a corresponding resource transfer log is generated. The remaining amount of resources and the resource transfer log are stored in the account resource record through the business subsystem to form an operation record based on the amount dimension.

[0086] Step S108: The early warning subsystem uses preset conditions to judge the updated business operation records and account resource records in the business subsystem, and generates an early warning result corresponding to the target account.

[0087] The early warning subsystem can be used to monitor the entire process of record update operations in the business subsystem.

[0088] The alert results can be used to indicate whether to process business requests with an alert.

[0089] Preset conditions can be used to characterize regulatory rules corresponding to the current business scenario.

[0090] Specifically, the early warning subsystem can be pre-configured with preset conditions related to the current business scenario. The server can obtain updated business operation records and account resource records from the business subsystem through the early warning subsystem, and use the preset conditions to judge these records, generating an early warning result corresponding to the target account. The early warning subsystem can then decide whether to process the business request based on the early warning result. For example, when the early warning result meets the preset conditions, the early warning subsystem can generate early warning information corresponding to the business request to prompt the business processing system to intercept the request.

[0091] In one example, the preset condition could be that the resource transfer frequency within a preset period is less than a preset frequency threshold. The server can use the alert subsystem to determine the target account's resource transfer frequency within the preset period based on updated business operation records, compare the resource transfer frequency with the preset frequency threshold, and thus generate an alert result corresponding to the target account.

[0092] In another example, the preset condition could be that the ratio of the transferred resource amount to the remaining resource amount is less than a preset ratio. The server can determine the transferred resource amount based on the updated business operation records and the remaining resource amount based on the updated account resource records through the early warning subsystem. The early warning subsystem generates the ratio of the transferred resource amount to the remaining resource amount, and based on the comparison between the generated ratio and the preset ratio, generates an early warning result corresponding to the target account.

[0093] In one example, the server can extract the target parameters corresponding to the invoice operation from the business request through the business subsystem: the invoice amount N, the invoice channel Y, and the target account A corresponding to the invoice operation. The business subsystem can then generate a record update instruction corresponding to the invoice operation based on the target parameters: invoice N from invoice channel Y to target account A. The business subsystem executes the record update instruction to update the business operation record of target account A, adding the operation record corresponding to the invoice operation.

[0094] For example, the updated business operation records for target account A:

[0095] A Accounts Receipt N Y

[0096] The business subsystem updates the account resource records of target account A based on the updated business operation records, in order to add operation records corresponding to the deposit operation:

[0097] For example, the updated account resource records for target account A:

[0098] A M +N M+N

[0099] In the above business processing method, the business subsystem of the business processing system obtains the business request to be processed, extracts the target parameters and target account corresponding to the resource transfer operation from the business request, generates a record update instruction corresponding to the resource transfer operation based on the target parameters, and executes the record update instruction to update the business operation record of the target account. The business subsystem also updates the account resource record of the target account based on the updated business operation record. This decoupling between the business process operation logic and the operation record update logic at the software logic level, based on the generated record update instruction, achieves decoupling between the fund processing logic and the accounting processing logic in the fund supervision scenario, thereby reducing the difficulty of business processing. The early warning subsystem of the business processing system uses preset conditions to judge the updated business operation record and account resource record in the business subsystem, generating an early warning result corresponding to the target account. The early warning result indicates whether to process the business request, improving the efficiency and accuracy of resource supervision.

[0100] Furthermore, the business processing method provided in this application utilizes the division of labor and cooperation between the business subsystem and the early warning subsystem within the same business processing system. The business processing function is implemented in the business subsystem, and the business supervision function is implemented in the early warning subsystem. This can improve data processing efficiency and reduce the difficulty of updating and maintaining the business subsystem and the early warning subsystem. This facilitates the secondary development of the business processing function and the business supervision function, and allows for the customization of personalized products that meet the specific business needs of different fields.

[0101] In one embodiment, before step S108, which uses the early warning subsystem to judge the updated business operation records and account resource records in the business subsystem according to preset conditions and generates an early warning result corresponding to the target account, the method further includes: determining the business processing stage corresponding to the business request through the early warning subsystem and obtaining the preset conditions corresponding to the business processing stage.

[0102] The business processing stages can include, but are not limited to, the receipt stage, the disbursement stage, and the payment stage. Each business processing stage can have different preset conditions.

[0103] Specifically, since the complete processing flow of a business request is generally lengthy and may involve multiple resource transfer operations, the regulatory rules corresponding to the same resource transfer operation may differ at different business processing stages, making the complete business processing logic quite complex. To simplify the business processing complexity, multiple business processing stages can be set according to the processing flow of the business request, and judgments can be made at each stage, thereby simplifying the business processing logic of the early warning subsystem. The server can determine the corresponding business processing stage of the business request based on the parsing results of the business request through the early warning subsystem, and obtain the preset conditions corresponding to the business processing stage.

[0104] In this embodiment, by determining the business processing stage corresponding to the business request and obtaining the preset conditions corresponding to the business processing stage, it is possible to make subsequent judgments on the updated business operation records and account resource records. This simplifies the business processing logic of the early warning subsystem and improves the early warning accuracy of the early warning subsystem for the target account.

[0105] In one embodiment, step S108, which involves using a pre-set condition to judge the updated business operation records and account resource records in the business subsystem through a pre-set pre-set subsystem, and generating a pre-set pre-set result corresponding to the target account, includes: using a pre-set pre-set subsystem to determine the corresponding pre-set parameters from the updated business operation records and account resource records based on the business processing stage, judging the pre-set parameters in the business subsystem through a pre-set condition, and generating a pre-set pre-set result corresponding to the target account.

[0106] The early warning parameters may include, but are not limited to, at least one of the following: the amount of resources transferred, the frequency of resources transferred, or the channels of resources transferred.

[0107] Specifically, the server can use the early warning subsystem to determine the early warning parameters corresponding to the business processing stage based on the updated business operation records and account resource records of the business subsystem. The early warning subsystem then uses preset conditions to judge the early warning parameters in the business subsystem, such as comparing the early warning parameters with preset threshold values. If the comparison result of the early warning parameters and the threshold values ​​meets the preset conditions, an early warning result is generated indicating that an early warning is required for the target account. Alternatively, if the comparison result of the early warning parameters and the threshold values ​​does not meet the preset conditions, an early warning result is generated indicating that no early warning is required for the target account.

[0108] Optionally, in some embodiments, the preset conditions corresponding to the accounting stage may include, but are not limited to, any one or more of the following condition thresholds: accounting amount threshold, preset accounting channel, accounting frequency threshold, etc. The server can use the early warning subsystem to determine, from the updated business operation records, any one or more of the following early warning parameters: resource accounting amount, resource accounting channel, resource accounting frequency, etc., corresponding to the accounting stage, based on the accounting stage corresponding to the business request. The early warning subsystem compares the condition thresholds and early warning parameters under the same data category in the preset conditions; for example, comparing the resource accounting amount and the accounting amount threshold, or matching the resource accounting channel and the preset accounting channel, or comparing the resource accounting frequency and the accounting frequency threshold, thereby obtaining the comparison result between the condition thresholds and early warning parameters under the same data category. Based on the comparison result, an early warning result corresponding to the target account is generated.

[0109] Optionally, in some embodiments, the preset conditions corresponding to the usage stage may include, but are not limited to, any one or more of the following thresholds: usage amount threshold, usage frequency threshold, usage ratio threshold, etc. In this case, the server can determine any one or more of the following warning parameters, such as resource usage amount and resource usage frequency, from the updated business operation records based on the usage stage. Calculations are then performed on the updated business operation records and account resource records to obtain the resource usage ratio corresponding to the resource transfer operation.

[0110] Optionally, in some embodiments, the preset conditions corresponding to the billing stage may include one or more of the following thresholds: billing amount threshold, billing frequency threshold, etc. In this case, the server can determine one or more of the following warning parameters, such as resource billing amount and resource billing frequency, from the updated business operation records based on the billing stage.

[0111] Optionally, in some embodiments, when the preset conditions include multiple condition thresholds corresponding to different stages of the business process, the server can generate an alert result requiring an alert for the target account if the comparison result of any alert parameter and condition threshold meets the preset conditions. Alternatively, the server can also generate an alert result requiring an alert for the target account if the comparison result of each alert parameter and condition threshold meets the preset conditions. Alternatively, the server can set alert priorities corresponding to the condition thresholds under each data category according to the business needs of the current business scenario, and use the alert priorities to determine the influence weight of the condition thresholds under each data category on the alert result. For example, the preset transfer channel under the resource transfer channel category can be set to the highest priority. When the alert subsystem determines that the resource transfer channel corresponding to the resource transfer operation does not match the preset transfer channel, it directly generates an alert result requiring an alert for the target account.

[0112] In this embodiment, by obtaining the corresponding early warning parameters according to the business processing stage and judging the early warning parameters using the condition threshold in the preset conditions, an early warning result corresponding to the target account is generated, which can improve the generation efficiency and accuracy of the early warning result, so as to adapt to the personalized business needs in the business scenario.

[0113] In one embodiment, the target account may include a target user account and a target organization account. For example... Figure 2 As shown, a flowchart illustrating the steps for updating business operation records is provided, including:

[0114] Step S202: The business subsystem executes record update instructions to update the business operation records of the target user account and the target organization account respectively.

[0115] Specifically, the server can generate record update instructions corresponding to the resource transfer operation based on the target parameters corresponding to the resource transfer operation through the business subsystem, and execute the record update instructions to update the business operation records of the target user account and the target organization account respectively.

[0116] For example, when the resource transfer operation is a withdrawal operation, the server can execute a record update instruction corresponding to the withdrawal operation: withdraw resources of amount X from target user account B to target organization account C. Executing the record update instruction updates the business operation records of target user account B and target organization account C respectively, resulting in the following updated business operation records.

[0117] For example, the updated business operation records of target user account B:

[0118] B expenditure X C

[0119] For example, the updated business operation records of target institution account C

[0120] C Accounts Receipt X B

[0121] Step S204: Obtain the user resource amount of the target user account and the institutional resource amount of the target institutional account through the business subsystem.

[0122] Step S206: The business subsystem processes the user resource amount based on the updated business operation records of the target user account, and updates the account resource records of the target user account using the remaining user amount obtained after processing.

[0123] Specifically, the server can obtain the current user resource amount held by the target user account and the current institutional resource amount held by the target institutional account through the business subsystem. The business subsystem processes the user resource amount of the target user account according to the updated business operation records of the target user account to obtain the remaining user resource amount held by the target user account after the resource transfer operation is executed. The remaining user resource amount is then used to update the account resource record of the target user account.

[0124] For example, the updated business operation records of target user account B:

[0125]

[0126] Step S208: The business subsystem processes the amount of institutional resources based on the updated business operation records of the target institutional account, and updates the account resource records of the target institutional account using the remaining amount of the institution obtained after processing.

[0127] Specifically, the server can process the account resource amount of the target institution account through the business subsystem based on the updated business operation records of the target institution account, obtain the remaining amount of the institution account held after the resource transfer operation is executed, and update the account resource records of the target institution account using the remaining amount of the institution.

[0128] For example, the updated business operation records for target user account C:

[0129]

[0130] In this embodiment, by updating business operation records and account resource records from both the user and institutional perspectives, it is possible to facilitate the financial supervision of user accounts and institutional accounts.

[0131] In one embodiment, the business processing system may further include a review subsystem, which can be used to implement functions such as "reconciliation management," "anomaly handling," "adjustment processing," and "statistical reports." Figure 3 As shown, a flowchart illustrating the recording and review process is provided, including:

[0132] Step S302: The review subsystem performs data matching between the record update instruction and the business operation record to obtain the first matching result, and performs data matching between the business operation record and the account resource record to obtain the second matching result.

[0133] Specifically, the server can use the review subsystem to perform data matching between the record update command and the updated business operation record. For example, it can match one or more parameters such as account identifier, operation type, and resource transfer amount in the record update command and the business operation record to obtain a first matching result. The review subsystem can then perform data matching between the business operation record and the account resource record, again matching one or more parameters such as account identifier, operation type, and resource transfer amount in the business operation record and the account resource record to obtain a second matching result.

[0134] Step S304: In response to the first matching result and / or the second matching result being a failed match, the review subsystem obtains the first record status of the business operation record and the second record status of the account resource record, respectively.

[0135] Step S306: The review subsystem determines the exception handling strategy based on the first record status and the second record status, and executes the exception handling strategy to correct the business operation record and account resource record.

[0136] The record status can be used to characterize the record update status, such as not updated or updated.

[0137] Specifically, in response to a failed first matching result and / or a failed second matching result, the server can use the review subsystem to obtain the first record status of the business operation record and the second record status of the account resource record. If the first and second record statuses are inconsistent, the review subsystem can determine the corresponding exception handling strategy as a refresh strategy and execute the refresh strategy to re-obtain the business operation record and account resource record. Alternatively, if the first and second record statuses are consistent, the review subsystem can determine the corresponding exception handling strategy as a manual review strategy and execute the manual review strategy to push record review prompts to the relevant business personnel, instructing them to correct the business operation record and account resource record.

[0138] In this embodiment, the accuracy of business operation records and account resource records is improved by using a review subsystem to match data between the business operation records and account resource records, and by determining and executing the corresponding exception handling strategy to correct the situation if the matching fails.

[0139] In one embodiment, the business processing method may further include: receiving a record adjustment request through a review subsystem, approving the record adjustment request to obtain a corresponding approval result; and, in response to the approved approval result, adjusting the data of the business operation record and account resource record according to the record adjustment request through the review subsystem.

[0140] Specifically, in the event of an error in a business request, the server can receive a record adjustment request through a review subsystem, process the request, and obtain an approval result. In response to the approved result, the review subsystem adjusts the data in the business operation records and account resource records according to the record adjustment request, such as by executing a reversal command.

[0141] In this embodiment, the fault tolerance of the business processing method can be improved by receiving and processing record adjustment requests through the review subsystem.

[0142] In one embodiment, such as Figure 4 As shown, a business processing method is provided for a business processing system, which includes a business subsystem, an early warning subsystem, and a review subsystem. The business subsystem shares data with the early warning subsystem and also with the review subsystem.

[0143] Step S402: Obtain the business request to be processed through the business subsystem, and extract the target parameters and target account corresponding to the resource transfer operation from the business request.

[0144] Step S404: The business subsystem generates a record update instruction corresponding to the resource transfer operation based on the target parameters, and executes the record update instruction to update the business operation record of the target account.

[0145] Step S406: The business subsystem updates the account resource records of the target account based on the updated business operation records.

[0146] Specifically, the server can obtain pending business requests through the business subsystem of the business processing system, extract the target parameters and target accounts corresponding to resource operations from the business requests, and asynchronously execute business processing operations and record update operations using multiple threads. Within the thread executing the record update operation, the business subsystem generates record update instructions corresponding to the resource transfer operation based on the target parameters. These instructions are then executed to update the business operation records for both the target user account and the target organization account, and the updated business operation records are used to update the account resource records. This achieves a four-layer business logic structure within the business subsystem: business – instruction – business operation record – account resource record.

[0147] Optionally, in some embodiments, the user account and organization status under the business subsystem can be formed as follows: Figure 5 The account structure shown includes an institutional sub-account corresponding to each institution and an unclaimed sub-account under the group contract account. Each institutional sub-account can interact with free funds accounts outside the business processing system. The unclaimed sub-account can be used to record resource transfer information from sources whose origins cannot be identified.

[0148] Alternatively, in some embodiments, such as Figure 6 The diagram illustrates the interaction between accounts within a business subsystem. The server can update the business operation records (ownerless ledgers) of unclaimed sub-accounts by executing deposit instructions through the business subsystem. By executing clearing instructions through the business subsystem, resources can be transferred between unclaimed sub-accounts (ownerless ledgers) and user accounts (pre-deposited ledgers). By executing deposit or refund instructions through the business subsystem, resources can be transferred between user accounts (pre-deposited ledgers) within the business subsystem and individual entity accounts outside the business processing system. By executing withdrawal or interest settlement operations through the business subsystem, resources can be transferred between user accounts (pre-deposited ledgers) and institutional accounts (income ledgers, interest ledgers). By executing cash withdrawal operations through the business subsystem, resources can be transferred between institutional accounts (income ledgers) and free funds accounts outside the business processing system.

[0149] Step S408a: Determine the business processing stage corresponding to the business request through the early warning subsystem, and obtain the preset conditions corresponding to the business processing stage.

[0150] Step S410a: The early warning subsystem determines the corresponding early warning parameters from the updated business operation records and account resource records based on the business processing stage, and judges the early warning parameters in the business subsystem using preset conditions to generate an early warning result corresponding to the target account.

[0151] Specifically, such as Figure 7 As shown, the server can use the data interaction between the early warning subsystem and the business subsystem to monitor and issue early warnings for the accounting operations involved in different business processing stages during the business request processing.

[0152] Step S408b: The review subsystem performs data matching between the record update instruction and the business operation record to obtain the first matching result, and performs data matching between the business operation record and the account resource record to obtain the second matching result.

[0153] In step S410b, the verification subsystem responds to the first matching result and / or the second matching result as a failed match, and obtains the first record status of the business operation record and the second record status of the account resource record respectively.

[0154] Step S412b: The review subsystem determines the exception handling strategy based on the first record status and the second record status, and executes the exception handling strategy to correct the business operation record and account resource record.

[0155] Step S414b: Receive record adjustment requests through the review subsystem, respond to the approved results, and adjust the data of business operation records and account resource records according to the record adjustment requests.

[0156] Specifically, the server can realize the reconciliation processing function of business operation records and account resource records through data interaction between the verification subsystem and the business subsystem, the abnormal correction function in case of reconciliation abnormality, and the adjustment processing function by using record adjustment requests.

[0157] Optionally, such as Figure 8 The diagram illustrates a logical architecture for a business processing system in a pension fund supervision scenario. The business subsystem comprises a four-layer logical processing structure: business – instruction – ledger – ledger. The early warning subsystem sets corresponding early warning conditions for the entry, disbursement, and exit stages. The review subsystem implements functions such as reconciliation management, adjustment management, anomaly handling, and statistical reporting.

[0158] In this embodiment, by dividing the work and cooperating among the business subsystem, the early warning subsystem, and the review subsystem, and by decoupling the business records for review, the difficulty of business processing can be reduced, the efficiency and accuracy of business processing can be improved, and it is convenient to carry out secondary development of business processing functions and business supervision functions to customize personalized products that meet the specific business needs of different fields.

[0159] It should be understood that although the steps in the flowcharts of the above embodiments are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the above embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0160] Based on the same inventive concept, this application also provides a business processing apparatus for implementing the business processing method described above. The solution provided by this apparatus is similar to the implementation scheme described in the above method; therefore, the specific limitations in one or more business processing apparatus embodiments provided below can be found in the limitations of the business processing method described above, and will not be repeated here.

[0161] In one embodiment, such as Figure 9 As shown, a business processing device 900 is provided, including: a parameter extraction module 902, an instruction execution module 904, a record update module 906, and an account early warning module 908, wherein:

[0162] The parameter extraction module 902 is used to obtain the business request to be processed through the business subsystem of the business processing system, and extract the target parameters and target account corresponding to the resource transfer operation from the business request.

[0163] The instruction execution module 904 is used to generate a record update instruction corresponding to the resource transfer operation based on the target parameters through the business subsystem, and execute the record update instruction to update the business operation records of the target account.

[0164] The record update module 906 is used to update the account resource records of the target account through the business subsystem based on the updated business operation records.

[0165] The account warning module 908 is used to judge the updated business operation records and account resource records in the business subsystem by using preset conditions through the warning subsystem of the business processing system, and generate a warning result corresponding to the target account. The warning result is used to indicate whether to perform warning processing on the target account.

[0166] In one embodiment, the account warning module 908 is further configured to: determine the business processing stage corresponding to the business request through the warning subsystem, and obtain the preset conditions corresponding to the business processing stage.

[0167] In one embodiment, the account warning module 908 includes: a parameter determination unit, used to determine corresponding warning parameters from the updated business operation records and account resource records according to the business processing stage through the warning subsystem, the warning parameters including at least one of resource transfer amount, resource transfer frequency or resource transfer channel; and a parameter comparison unit, used to judge the warning parameters in the business subsystem according to preset conditions through the warning subsystem, and generate a warning result corresponding to the target account.

[0168] In one embodiment, the target account includes a target user account and a target organization account.

[0169] The instruction execution module 904 is also used to generate record update instructions corresponding to the resource transfer operation through the business subsystem based on the target parameters, and execute the record update instructions to update the business operation records of the target user account and the target organization account respectively.

[0170] The record update module 906 includes: a data acquisition unit, used to acquire the user resource amount of the target user account and the organization resource amount of the target organization account through the business subsystem; a user update unit, used to process the user resource amount according to the updated business operation records of the target user account through the business subsystem, and update the account resource record of the target user account using the remaining user amount obtained after processing; and an organization update unit, used to process the organization resource amount according to the updated business operation records of the target organization account through the business subsystem, and update the account resource record of the target organization account using the remaining organization amount obtained after processing.

[0171] In one embodiment, the business processing device 900 further includes: a record matching module, configured to perform data matching between the record update instruction and the business operation record through the review subsystem of the business processing system to obtain a first matching result, and to perform data matching between the business operation record and the account resource record to obtain a second matching result; a status acquisition module, configured to, in response to the first matching result and / or the second matching result being a matching failure, obtain a first record status of the business operation record and a second record status of the account resource record through the review subsystem; and a record correction module, configured to, through the review subsystem, determine an exception handling strategy based on the first record status and the second record status, and execute the exception handling strategy to correct the business operation record and the account resource record.

[0172] In one embodiment, the business processing device 900 further includes: a record adjustment module, configured to receive a record adjustment request through a review subsystem, process the record adjustment request for approval and obtain a corresponding approval result, and, in response to the approved approval result through the review subsystem, adjust the data of the business operation record and the account resource record according to the record adjustment request.

[0173] Each module in the aforementioned business processing device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the operations corresponding to each module.

[0174] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 10 As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores data such as resource processing parameters, business operation records, and account resource records. The network interface communicates with external terminals via a network connection. When the computer program is executed by the processor, it implements a business processing method.

[0175] Those skilled in the art will understand that Figure 10 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0176] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0177] In one embodiment, a computer-readable storage medium is also provided, on which a computer program is stored, which, when executed by a processor, implements the steps in the above method embodiments.

[0178] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0179] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0180] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0181] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A business processing method, characterized in that, Applied to a business processing system, the business processing system including a business subsystem and an early warning subsystem, the method includes: The business subsystem obtains the business requests to be processed and extracts the target parameters and target accounts corresponding to the resource transfer operation from the business requests. The business subsystem generates a record update instruction corresponding to the resource transfer operation based on the target parameters, and executes the record update instruction to update the business operation record of the target account; The business subsystem updates the account resource records of the target account based on the updated business operation records; The early warning subsystem determines the business processing stage corresponding to the business request and obtains the preset conditions corresponding to the business processing stage. The early warning subsystem determines the corresponding early warning parameters from the updated business operation records and account resource records based on the business processing stage. The early warning parameters include at least one of the following: resource transfer amount, resource transfer frequency, or resource transfer channel. The early warning subsystem uses the preset conditions to judge the early warning parameters and generates an early warning result corresponding to the target account. The early warning result is used to indicate whether to perform early warning processing on the target account.

2. The method according to claim 1, characterized in that, The target accounts include target user accounts and target organization accounts; The step of generating a record update instruction corresponding to the resource transfer operation based on the target parameters through the business subsystem, and executing the record update instruction to update the business operation record of the target account, includes: The business subsystem generates a record update instruction corresponding to the resource transfer operation based on the target parameters, and executes the record update instruction to update the business operation records of the target user account and the target organization account respectively. The step of updating the account resource records of the target account through the business subsystem based on the updated business operation records includes: The business subsystems obtain the user resource amount of the target user account and the institutional resource amount of the target institution account, respectively. The business subsystem processes the user resource amount based on the updated business operation records of the target user account, and updates the account resource records of the target user account using the remaining user amount obtained after processing. The business subsystem processes the target institution's resource amount based on the updated business operation records of the target institution's account, and updates the target institution's account resource records using the remaining amount obtained after processing.

3. The method according to claim 1, characterized in that, The business processing system also includes a review subsystem; The method further includes: The review subsystem performs data matching between the record update instruction and the business operation record to obtain a first matching result, and performs data matching between the business operation record and the account resource record to obtain a second matching result. In response to the first matching result and / or the second matching result being a failed match, the review subsystem obtains the first record status of the business operation record and the second record status of the account resource record, respectively. The review subsystem determines an exception handling strategy based on the first record status and the second record status, and executes the exception handling strategy to correct the business operation record and the account resource record.

4. The method according to claim 3, characterized in that, The method further includes: The review subsystem receives record adjustment requests, processes the record adjustment requests, and obtains corresponding approval results. In response to the approved result, the review subsystem adjusts the data of the business operation record and the account resource record according to the record adjustment request.

5. A business processing device, characterized in that, The device includes: The parameter extraction module is used to obtain the business request to be processed through the business subsystem of the business processing system, and extract the target parameters and target account corresponding to the resource transfer operation from the business request; The instruction execution module is used to generate a record update instruction corresponding to the resource transfer operation based on the target parameters through the business subsystem, and execute the record update instruction to update the business operation record of the target account; The record update module is used to update the account resource record of the target account through the business subsystem based on the updated business operation record; The account early warning module is used to determine the business processing stage corresponding to the business request through the early warning subsystem, and obtain preset conditions corresponding to the business processing stage; the early warning subsystem determines the corresponding early warning parameters from the updated business operation records and account resource records based on the business processing stage, the early warning parameters including at least one of resource transfer amount, resource transfer frequency, or resource transfer channel; the early warning subsystem of the business processing system judges the early warning parameters using the preset conditions, and generates an early warning result corresponding to the target account, the early warning result being used to indicate whether to perform early warning processing on the target account.

6. The apparatus according to claim 5, characterized in that, The target accounts include target user accounts and target organization accounts; The instruction execution module is further configured to generate a record update instruction corresponding to the resource transfer operation based on the target parameters through the business subsystem, and execute the record update instruction to update the business operation records of the target user account and the business operation records of the target organization account respectively; The record update module includes: The data acquisition unit is used to acquire, through the business subsystem, the user resource amount of the target user account and the institutional resource amount of the target institutional account, respectively. The user update unit is used to process the user resource amount according to the updated business operation record of the target user account through the business subsystem, and update the account resource record of the target user account using the user remaining amount obtained after processing. The organization update unit is used to process the organization resource amount according to the updated business operation records of the target organization account through the business subsystem, and update the account resource records of the target organization account using the remaining organization amount obtained after processing.

7. The apparatus according to claim 5, characterized in that, The device further includes: The record matching module is used to perform data matching between the record update instruction and the business operation record through the review subsystem of the business processing system to obtain a first matching result, and to perform data matching between the business operation record and the account resource record to obtain a second matching result; The status acquisition module is used to acquire the first record status of the business operation record and the second record status of the account resource record respectively in response to the first matching result and / or the second matching result being a matching failure, through the review subsystem; The record correction module is used to determine an exception handling strategy based on the first record status and the second record status through the review subsystem, and execute the exception handling strategy to correct the business operation record and the account resource record.

8. The apparatus according to claim 7, characterized in that, The device further includes: The record adjustment module is used to receive record adjustment requests through the review subsystem, process the record adjustment requests to obtain corresponding approval results, and, in response to the approved approval results, adjust the data of the business operation records and the account resource records according to the record adjustment requests through the review subsystem.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 4.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 4.

11. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 4.

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