Business data processing method and device, computer device and readable storage medium

Abstract

The application relates to a business data processing method and device, computer equipment, a storage medium and a computer program product, and belongs to the technical field of big data processing. The method comprises the following steps: acquiring a plurality of supply chain data; the plurality of supply chain data is collected based on data collection terminals arranged at nodes of enterprise supply chains; in response to a financial business processing request sent by an enterprise terminal, acquiring a financial business type and a supply chain operation state of the enterprise; determining matched target supply chain data from the plurality of supply chain data according to the supply chain operation state; the target supply chain data is data corresponding to a target supply chain in the enterprise, and the operation resource of the target supply chain is less than a preset resource; when it is determined that the enterprise meets a threshold requirement of the financial business type based on the target supply chain data, performing business processing of the financial business type on the enterprise based on the target supply chain. The method can improve the accuracy of business processing.

Description

Technical Field

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

[0002] With social development, enterprises will apply to financial institutions for financial services to meet their production and operation needs. This allows them to resolve difficulties in resource turnover, alleviate operational pressures, and promote improvements in production and operations.

[0003] Typically, when a company applies to a financial institution for financial services, the company provides the financial institution with relevant data so that the financial institution can determine whether to provide the company with financial services based on the data.

[0004] However, when financial institutions determine whether to provide financial services to enterprises based on this data, the financial institutions cannot determine whether the data has been tampered with by the enterprises because the data is provided by the enterprises. This results in a low accuracy rate in the financial institutions' processing of the enterprises' business. Summary of the Invention

[0005] Therefore, it is necessary to provide a business data processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product that can improve the accuracy of business processing in response to the above-mentioned technical problems.

[0006] Firstly, this application provides a business data processing method. The method includes: acquiring multiple supply chain data sets; the multiple supply chain data sets are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain; responding to a financial business processing request sent by the enterprise terminal, acquiring the financial business type and the enterprise's supply chain operation status; determining matching target supply chain data from the multiple supply chain data sets based on the supply chain operation status; the target supply chain data set is the data corresponding to a target supply chain in the enterprise whose operating resources are less than a preset resource; when it is determined based on the target supply chain data that the enterprise meets the threshold requirements of the financial business type, performing the business processing of the financial business type on the enterprise based on the target supply chain.

[0007] In one embodiment, determining matching target supply chain data from the plurality of supply chain data based on the supply chain operation status includes: determining a matching target supply chain from the plurality of supply chains based on the supply chain operation status; and obtaining the target supply chain data through the data acquisition terminal set within the target supply chain.

[0008] In one embodiment, the financial transaction processing request includes financial resources corresponding to the supply chain operation status and the enterprise's financial information; determining whether the enterprise meets the threshold requirements of the financial transaction type based on the target supply chain data includes: determining the first supply chain size of the target supply chain based on the financial information; the target supply chain is the supply chain corresponding to the target supply chain data; determining whether the financial resources are reasonable based on the first supply chain size and the target supply chain data; if reasonable, determining that the enterprise meets the threshold requirements of the financial transaction type.

[0009] In one embodiment, determining whether the financial resources are reasonable based on the first supply chain scale and the target supply chain data includes: obtaining the enterprise's historical financial resource return records; determining the enterprise's credit rating based on the historical financial resource return records; if the financial resources are within a preset financial resource range corresponding to the credit rating under the first supply chain scale, then determining a third-party institution based on the target supply chain data to obtain target data of the target supply chain from the third-party institution; and determining whether the financial resources are reasonable based on the target data and the target supply chain data.

[0010] In one embodiment, determining whether the financial resources are reasonable based on the target data and the target supply chain data includes: if the target data matches the target supply chain data, and the scale of the second supply chain corresponding to the target supply chain data matches the scale of the first supply chain, then the financial resources are determined to be reasonable.

[0011] In one embodiment, the method further includes: when performing business processing of the financial business type on the enterprise, outputting the target resource return time of the financial resource; if the current return time of the financial resource by the enterprise is later than the target resource return time, obtaining the target overdue return duration; and reducing the credit rating of the enterprise based on the target overdue return duration.

[0012] Secondly, this application provides a business data processing apparatus, the apparatus comprising:

[0013] The data acquisition module is used to acquire multiple supply chain data; the multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain;

[0014] The request and response module is used to respond to financial business processing requests sent by enterprise terminals and obtain the type of financial business and the enterprise's supply chain operation status.

[0015] The determination module is used to determine matching target supply chain data from the multiple supply chain data based on the supply chain operation status; the target supply chain data is the data corresponding to the target supply chain in the enterprise whose operating resources are less than preset resources.

[0016] The processing module is used to perform business processing of the financial business type on the enterprise based on the target supply chain when it is determined that the enterprise meets the threshold requirements of the financial business type based on the target supply chain data.

[0017] In one embodiment, the determining module is further configured to: determine a matching target supply chain from multiple supply chains based on the supply chain operation status; and obtain target supply chain data through the data acquisition terminal set within the target supply chain.

[0018] In one embodiment, the financial transaction processing request includes financial resources corresponding to the supply chain operation status and the enterprise's financial information; the processing module is further configured to: determine the scale of a first supply chain under the target supply chain based on the financial information; determine whether the financial resources are reasonable based on the scale of the first supply chain and the target supply chain data; if reasonable, determine that the enterprise meets the threshold requirements of the financial transaction type.

[0019] In one embodiment, the processing module is further configured to: obtain the enterprise's historical financial resource return records; determine the enterprise's credit rating based on the historical financial resource return records; if the financial resources are within the preset financial resource range corresponding to the credit rating under the first supply chain scale, determine a third-party institution based on the target supply chain data to obtain target data of the target supply chain from the third-party institution; and determine whether the financial resources are reasonable based on the target data and the target supply chain data.

[0020] In one embodiment, the processing module is further configured to: determine that the financial resources are reasonable if the target data matches the target supply chain data and the second supply chain scale corresponding to the target supply chain data matches the first supply chain scale.

[0021] In one embodiment, the processing module is further configured to: output the target resource return time of the financial resource when performing the business processing of the financial business type on the enterprise; if the current return time of the financial resource by the enterprise is later than the target resource return time, obtain the target overdue return duration; and reduce the credit rating of the enterprise according to the target overdue return duration.

[0022] 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 perform the following steps:

[0023] Acquire multiple supply chain data; the multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain;

[0024] In response to financial transaction processing requests sent by enterprise terminals, obtain the type of financial transaction and the enterprise's supply chain operation status;

[0025] Based on the supply chain operation status, a matching target supply chain data is determined from the multiple supply chain data; the target supply chain data is the data corresponding to the target supply chain in the enterprise whose operating resources are less than preset resources.

[0026] When it is determined based on the target supply chain data that the enterprise meets the threshold requirements of the financial business type, the business processing of the financial business type is performed on the enterprise based on the target supply chain.

[0027] 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, performs the following steps:

[0028] Acquire multiple supply chain data; the multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain;

[0029] In response to financial transaction processing requests sent by enterprise terminals, obtain the type of financial transaction and the enterprise's supply chain operation status;

[0030] Based on the supply chain operation status, a matching target supply chain data is determined from the multiple supply chain data; the target supply chain data is the data corresponding to the target supply chain in the enterprise whose operating resources are less than preset resources.

[0031] When it is determined based on the target supply chain data that the enterprise meets the threshold requirements of the financial business type, the business processing of the financial business type is performed on the enterprise based on the target supply chain.

[0032] Fifthly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, performs the following steps:

[0033] Acquire multiple supply chain data; the multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain;

[0034] In response to financial transaction processing requests sent by enterprise terminals, obtain the type of financial transaction and the enterprise's supply chain operation status;

[0035] Based on the supply chain operation status, a matching target supply chain data is determined from the multiple supply chain data; the target supply chain data is the data corresponding to the target supply chain in the enterprise whose operating resources are less than preset resources.

[0036] When it is determined based on the target supply chain data that the enterprise meets the threshold requirements of the financial business type, the business processing of the financial business type is performed on the enterprise based on the target supply chain.

[0037] The aforementioned business data processing methods, devices, computer equipment, storage media, and computer program products directly collect multiple supply chain data points from each node of the enterprise's supply chain through a data acquisition terminal. This allows for business processing without using data sent by the enterprise, preventing data tampering. Furthermore, upon receiving a financial business processing request from the enterprise terminal, the system can determine whether the enterprise meets the corresponding threshold requirements based on the directly collected supply chain data. Because the possibility of data tampering is eliminated, determining whether the enterprise meets the threshold requirements based on supply chain data and then processing the corresponding business transactions improves the accuracy of business processing. Attached Figure Description

[0038] Figure 1 This is an application environment diagram of a business data processing method in one embodiment;

[0039] Figure 2 This is a flowchart illustrating a business data processing method in one embodiment;

[0040] Figure 3 This is a schematic diagram of a process for determining matching target supply chain data from multiple supply chain data based on the supply chain operation status in one embodiment.

[0041] Figure 4 This is a schematic diagram of a process in one embodiment for determining the threshold requirements for a company to meet the type of financial business based on target supply chain data;

[0042] Figure 5 This is a flowchart illustrating the process of determining the rationality of financial resources based on the size of the first supply chain and the target supply chain data in one embodiment.

[0043] Figure 6 This is a flowchart illustrating a business data processing method in another embodiment;

[0044] Figure 7 This is a flowchart illustrating a business data processing method in another embodiment;

[0045] Figure 8 This is a flowchart illustrating a business data processing method in another embodiment;

[0046] Figure 9 This is a structural block diagram of a business data processing device in one embodiment;

[0047] Figure 10 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0048] 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.

[0049] The business data processing method provided in this application embodiment can be applied to, for example, Figure 1 In the application environment shown, terminal 102 communicates with enterprise terminal 104 and data acquisition terminal 106 via a network. Enterprise terminal 104 sends financial transaction processing requests to terminal 102. Data acquisition terminal 106 is located at various nodes in the enterprise supply chain, used to collect multiple supply chain data and send them to terminal 102. Terminal 102 communicates with server 108 via a network. The data storage system can store the data that server 108 needs to process; in this embodiment, the data storage system is used to store multiple supply chain data. The data storage system can be integrated on server 108 or placed in the cloud or on other network servers.

[0050] Specifically, data acquisition terminal 106 obtains multiple supply chain data points at various nodes of the enterprise's supply chain and sends these data points to terminal 102. Terminal 102 then sends these supply chain data points to server 108. When enterprise terminal 104 sends a financial transaction processing request to terminal 102, server 108 responds to the request by obtaining the financial transaction type and the enterprise's supply chain operational status. Server 108 determines the matching target supply chain data from the multiple supply chain data points based on the supply chain operational status. The target supply chain data corresponds to the data of the target supply chain within the enterprise whose operational resources are less than a preset resource. When the target supply chain data determines that the enterprise corresponding to the enterprise terminal meets the threshold requirements for the financial transaction type, server 108 performs the financial transaction processing for the enterprise based on the target supply chain.

[0051] The terminal 102 can be, but is not limited to, various personal computers, laptops, smartphones, and tablets. The server 108 can be implemented using a standalone server or a server cluster consisting of multiple servers.

[0052] The data acquisition terminal 106 can be referred to as a flexible terminal. A flexible terminal is a physical device that provides IoT connectivity and edge computing capabilities to enterprises and financial institutions. The hardware layer of the flexible terminal includes a computing unit, storage, a Universal Serial Bus (USB) controller, 5G / Wi-Fi 6 network hardware, and security management hardware such as power-down protection, trusted computing, and encryption. Simultaneously, the flexible terminal is equipped with a 5G communication module, enabling 5G communication functionality and data interaction with IoT devices through an interface layer. Specifically, in this embodiment, multiple supply chain data collected by the flexible terminal can be synchronized in real-time to the flexible terminal's server via 5G communication, and then the server sends multiple supply chain data to terminal 102.

[0053] Deploying data acquisition terminals within an enterprise's local area network allows for real-time access to various systems and IoT devices, enabling comprehensive tracking and monitoring of the entire production and operation process, including procurement, shipments, inventory, wholesale sales, and payments. This ensures detailed and accurate recording of every step from order receipt and contract signing, through material procurement, warehousing, and requisition, to product completion, delivery, payment collection, and raw material payment. This eliminates the possibility of data tampering at the source and provides relevant network security access points, allowing financial institutions to quickly, comprehensively, and accurately obtain underlying data. This physically and network-wise prevents data tampering by enterprises, effectively guaranteeing financial institutions' trust in enterprise data and fulfilling their financial data requirements of "authentic transactions, accurate data, complete information, and real-time status," thereby enabling financial institutions to provide matching financial services. Furthermore, the data stream generated by the data acquisition terminals uses a timeline as its basic reference coordinate. The data collected by the terminals is already fixed before visualization (non-blockchain model), eliminating the possibility of human intervention over time.

[0054] Furthermore, by deploying data collection terminals within the enterprise's production environment, and collecting the enterprise's business data (including supply chain data from each node of the enterprise's supply chain) in real time through various communication protocols, the cost of data falsification for enterprises is increased. Moreover, by integrating self-integrated sensors into the enterprise's systems and core processes, real-time data is transmitted via edge devices (i.e., mobile devices and Internet of Things (IoT) devices) and through independent network channels within the data collection terminals. This data is then frequently compared with data from authoritative institutions such as operators and governments (edge ​​devices), and verified against the real-time data fed back by the enterprise, ensuring consistency between accounts and reality. Ultimately, this achieves intelligent perception, collaborative interaction, shared aggregation, and analytical application of core enterprise IoT and business data.

[0055] Furthermore, with the improvement of edge sensor accuracy and the optimization of anti-counterfeiting algorithms, the cost of deliberately altering logically related multi-dimensional real-time data in a system that collects data at a high frequency daily is very high. In addition, the existence of third-party data verification and manual sampling checks independent of the enterprise system makes such forgery virtually impossible. Therefore, in financial applications, the data collected by data acquisition terminals and the real-time verification results determined through third-party data verification and manual sampling checks are trustworthy. In the transformation process of intelligent manufacturing, the data collected by data acquisition terminals can be truly valuable and reliable digital assets. Through long-term accumulation of this reliable data, combined with contract, transaction, payment, and logistics data, digital credit is formed, ultimately creating digital guarantees recognized by financial institutions.

[0056] For example, data acquisition terminals can be used in supply chain scenarios to collect data related to enterprise production, processing, and logistics. In the cold chain transportation of fresh agricultural products, for instance, GPS positioning modules and temperature / humidity monitoring sensors deployed on logistics vehicles collect GPS data, temperature, and humidity information. This data is transmitted via mobile internet to the data acquisition terminal monitoring center. The control center then verifies and processes this information against order data from the application end, ensuring the accuracy and authenticity of logistics information. Furthermore, financial institutions verify the logistics information against the data collected by the data terminal to determine whether to provide financial services to the enterprise.

[0057] This system also allows for the monitoring of flexible terminals. If a flexible terminal deployed at various nodes in the enterprise's supply chain is damaged by external forces, an early warning signal can be triggered to ensure the validity of the data collected by the data acquisition terminals deployed within the enterprise. Specifically, the system can monitor the flexible terminal's server, internal temperature, uninterruptible power supply (UPS) status, and physical lock switch status.

[0058] In one embodiment, such as Figure 2 As shown, a business data processing method is provided, which is applied to... Figure 1 Taking server 108 as an example, the explanation includes the following steps:

[0059] S202, acquire multiple supply chain data; multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain.

[0060] In this embodiment, the enterprise includes multiple supply chains, including but not limited to: product transportation supply chains and product manufacturing supply chains. Each supply chain corresponds to transaction data in actual operation; that is, supply chain data is used to represent the transaction data when the enterprise operates its supply chain. For example, if the supply chain is a product transportation supply chain, the supply chain data may include product transportation costs, product transportation routes, and product transportation times. If the supply chain is a product manufacturing supply chain, the supply chain data may include the number of workshops, workshop power consumption, and the number of workshop workers.

[0061] Specifically, each node in the enterprise's supply chain is equipped with a data acquisition terminal. After collecting the supply chain data corresponding to each node in the supply chain, each data acquisition terminal can periodically or periodically transmit the corresponding supply chain data to the terminal, so that the terminal can obtain multiple supply chain data.

[0062] S204, in response to a financial transaction processing request sent by an enterprise terminal, obtains the type of financial transaction and the enterprise's supply chain operation status.

[0063] In this embodiment, financial services refer to services related to resource transactions provided by financial institutions to enterprises. Financial services include, but are not limited to, financing services and loan services. A financial service processing request is a request from an enterprise to a financial institution to process a financial transaction. Based on this request, the financial institution can provide the enterprise with the corresponding financial services. Financial service processing requests include, but are not limited to, financing service processing requests and loan service processing requests. The financial service corresponding to a financing service processing request is a financing service, and the financial service corresponding to a loan service processing request is a loan service.

[0064] In this embodiment, the financial transaction type refers to the type of financial transaction that an enterprise requests a financial institution to process. Financial transaction types include, but are not limited to, financing transactions and loan transactions. Specifically, the financial transaction processing request includes an identifier for the financial transaction. The identifier corresponds to the financial transaction type; therefore, the financial transaction type can be determined based on the identifier. For example, the financial transaction processing request includes an identifier A, and identifier A corresponds to a financing transaction.

[0065] In this embodiment, the enterprise's supply chain operation status refers to the operational status of the enterprise's supply chain. This status can be categorized as good, satisfactory, or poor. A good supply chain operation status means the enterprise's supply chain resources are greater than its basic resources. A satisfactory supply chain operation status means the enterprise's supply chain resources are less than or equal to its basic resources, but greater than its preset resources. A poor supply chain operation status means the enterprise's supply chain resources are less than or equal to its preset resources, indicating insufficient resources. Operational resources refer to the resources available to the enterprise's supply chain, which may include funds, etc. In other words, a poor supply chain operation status is the reason the enterprise sends a financial service request to a financial institution so that the institution can provide corresponding services, such as loan or financing, to the enterprise's supply chain, enabling it to operate normally based on the resources provided by the financial institution. Here, "resources" can be understood as funds or other types of resources that allow the enterprise to operate its supply chain normally.

[0066] For example, if a company has multiple supply chains, including a product transportation supply chain, and the company lacks sufficient funds to operate the product transportation supply chain, the company can request financing or loan services from financial institutions through its own channels in order to maintain the normal operation of the product transportation supply chain.

[0067] The supply chain operation status of the aforementioned enterprises is illustrated by examples of good, favorable, or poor operation status. The supply chain operation status of enterprises can also be classified according to actual application scenarios. This embodiment does not impose any specific limitations.

[0068] S206, determine the matching target supply chain data from multiple supply chain data based on the supply chain operation status.

[0069] The enterprise comprises multiple supply chains, including a target supply chain. Target supply chain data refers to transaction data generated when the enterprise operates the target supply chain. Specifically, target supply chain data refers to data corresponding to the target supply chain within the enterprise whose operating resources are less than or equal to preset resources. Target supply chains include, but are not limited to, product manufacturing supply chains and product transportation supply chains. In this embodiment, matching target supply chain data is determined from multiple supply chain data based on the supply chain operation status. This allows financial institutions to determine whether to perform financial service transactions with the enterprise based on the target supply chain. For example, if the target supply chain data is transaction data generated when the enterprise operates its product transportation supply chain, the financial institution can determine whether to provide financing or loan services to the enterprise's product transportation supply chain based on the target supply chain data.

[0070] S208, When it is determined based on the target supply chain data that an enterprise meets the threshold requirements for the financial business type, the financial business type business processing shall be performed on the enterprise based on the target supply chain.

[0071] In this embodiment, the threshold requirement for a financial service type refers to the requirements for financial institutions to provide financial services corresponding to that type to enterprises. When it is determined that an enterprise meets the threshold requirement for a financial service type based on target supply chain data, the financial service type can be processed for the enterprise based on the target supply chain. For example, if the target supply chain data consists of transaction data from the enterprise's product transportation supply chain operations, and a financial institution determines that the enterprise meets the threshold requirement for financing services based on this data, then the financial institution can provide financing services to the enterprise's product transportation supply chain, enabling the enterprise to operate its product transportation supply chain normally based on the financing amount provided by the financial institution.

[0072] In summary, based on Figure 2 The method described above directly collects multiple supply chain data points from each node of the enterprise's supply chain through a data acquisition terminal. This allows for business processing without using data sent by the enterprise, preventing data tampering. Furthermore, upon receiving a financial business processing request from the enterprise's terminal, the method can determine whether the enterprise meets the corresponding threshold requirements based on the directly collected supply chain data. Because the possibility of data tampering is eliminated, determining whether the enterprise meets the threshold requirements based on supply chain data and then processing the corresponding business transactions improves the accuracy of business processing.

[0073] In one embodiment, such as Figure 3 As shown, a method is provided for determining matching target supply chain data from multiple supply chain data based on supply chain operational status, and this method is applied to... Figure 1 Taking server 108 as an example, the following steps may be included:

[0074] S302, based on the operational status of the supply chain, determines the matching target supply chain from multiple supply chains.

[0075] The supply chain operation status includes the operation status of multiple supply chains and the names of multiple supply chains. Specifically, by comparing the operation status of multiple supply chains, the names of the supply chains with poor operation status are obtained, and a matching target supply chain is determined from multiple supply chains based on the name of the supply chain.

[0076] S304: Obtain target supply chain data through a data acquisition terminal installed within the target supply chain.

[0077] Each supply chain data is collected by a data collection terminal set up in the corresponding supply chain. Thus, after determining the matching target supply chain from multiple supply chains based on the company's supply chain operation status, the target supply chain data can be obtained through the data collection terminal set up in the target supply chain.

[0078] In summary, based on Figure 3 The method described above identifies a matching target supply chain from multiple supply chains based on the enterprise's supply chain operation status. It then obtains target supply chain data using data collection terminals set up within the target supply chain, thus preventing data tampering. Furthermore, it determines whether the enterprise meets the corresponding threshold requirements based on the directly collected supply chain data. Because the possibility of data tampering is avoided, the accuracy of business processing is improved when determining whether an enterprise meets the threshold requirements based on supply chain data and when corresponding business processes are performed.

[0079] In one embodiment, a financial transaction processing request includes financial resources corresponding to the supply chain's operational status and the company's financial information. Financial resources represent the resources the company requests from a financial institution based on the target supply chain. For example, if resources represent funds, and the company lacks sufficient funds to operate its product transportation supply chain, it might request a loan of 500,000 from a financial institution to maintain normal supply chain operations. The company's financial information represents its profitability. Financial institutions can use this information to understand the profitability of the supply chain within the company, enabling them to determine whether to provide financial services to the company's supply chain.

[0080] Specifically, such as Figure 4 As shown, a flowchart illustrates a process for determining a company's eligibility for financial business types based on target supply chain data. This method is then applied to… Figure 1 Taking server 108 as an example, the following steps may be included:

[0081] S402, Based on financial information, determine the size of the first supply chain of the target supply chain.

[0082] In this embodiment, the target supply chain is the supply chain corresponding to the target supply chain data, and the data acquisition terminal set in the target supply chain can collect the target supply chain data. The enterprise's financial information is used to represent the enterprise's profitability information. If the enterprise includes multiple supply chains, then the enterprise's financial information includes the profitability of multiple supply chains. Therefore, through the enterprise's profitability information, the profitability of the target supply chain can be determined, and then the first supply chain size of the target supply chain can be determined based on the profitability of the target supply chain. Specifically, the first supply chain size of the target supply chain can be determined by comparing the profitability of the target supply chain with a preset profitability range. The supply chain size can include three types, four types, or other numerical types. For ease of description, the following examples illustrate supply chain sizes including three types and supply chain sizes including four types.

[0083] In some embodiments, the supply chain size can include three types, such as large, medium, and small, and the specific number of supply chain size types corresponds to the specific number of ranges corresponding to the preset profit range. For example, the preset profit range includes a first range, a second range, and a third range, with a large supply chain corresponding to the first range, a medium supply chain corresponding to the second range, and a small supply chain corresponding to the third range. The lower limit of the first range is greater than or equal to the upper limit of the second range, and the lower limit of the second range is greater than or equal to the upper limit of the third range.

[0084] For example, if the profitability of the target supply chain is in the first range, then the target supply chain is a large supply chain. If the profitability of the target supply chain is in the second range, then the target supply chain is a medium-sized supply chain. If the profitability of the target supply chain is in the third range, then the target supply chain is a small supply chain.

[0085] In some embodiments, the supply chain size may also include four types, such as large, medium, small, and micro, with the specific number of supply chain size types corresponding to the specific number of preset profit ranges. For example, the preset profit ranges include a fourth range, a fifth range, a sixth range, and a seventh range. A large supply chain corresponds to the fourth range, a medium supply chain corresponds to the fifth range, a small supply chain corresponds to the sixth range, and a micro supply chain corresponds to the seventh range. The lower limit of the fourth range is greater than or equal to the upper limit of the fifth range, the lower limit of the fifth range is greater than or equal to the upper limit of the sixth range, and the lower limit of the sixth range is greater than or equal to the upper limit of the seventh range.

[0086] For example, if the profitability of the target supply chain falls within the fourth range, then the target supply chain is a large supply chain. If the profitability of the target supply chain falls within the fifth range, then the target supply chain is a medium-sized supply chain. If the profitability of the target supply chain falls within the sixth range, then the target supply chain is a small supply chain. If the profitability of the target supply chain falls within the seventh range, then the target supply chain is a micro supply chain.

[0087] The specific values ​​of the above range can also be set according to the actual application scenario, and this embodiment does not impose specific limitations.

[0088] S404 determines whether financial resources are appropriate based on the size of the first supply chain and the target supply chain data.

[0089] In this embodiment, the financial transaction processing request includes financial information. The first supply chain size of the target supply chain is determined based on the financial information. Since the financial information is provided by the enterprise, if the financial resources are determined to be reasonable based on the first supply chain size of the target supply chain, the accuracy of the business processing for the enterprise cannot be guaranteed. Therefore, this application combines the first supply chain size of the target supply chain with the target supply chain data directly collected through the data acquisition terminal to determine whether the financial resources are reasonable, thereby improving the accuracy of business processing for the enterprise.

[0090] In one embodiment, the target supply chain size can be determined based on the target supply chain data. If the similarity between the target supply chain size and the first supply chain size is greater than a similarity threshold, and the financial resources are within the preset resource range corresponding to the first supply chain size, then the financial resources are determined to be reasonable.

[0091] S406, if reasonable, determine that the company meets the threshold requirements for the type of financial business.

[0092] In summary, based on Figure 4 The method shown determines the size of the first supply chain of the target supply chain based on financial information. Then, based on the size of the first supply chain and the target supply chain data, it determines whether the financial resources are reasonable. Thus, without the risk of data tampering, it can improve the accuracy of business processing when determining whether a company meets the corresponding threshold requirements based on the size of the first supply chain and the target supply chain data, and when performing corresponding business processing on the company.

[0093] In one embodiment, such as Figure 5 The diagram illustrates a process for determining the rationality of financial resources based on the size of the first supply chain and data from the target supply chain. This method is then applied to… Figure 1 Taking server 108 as an example, the following steps may be included:

[0094] S502, obtain the company's historical financial resource return records.

[0095] In this embodiment, the historical financial resource return record is used to represent the record of the enterprise returning financial resources to the financial institution when the financial institution provides financial resources to the enterprise. The historical financial resource return record may include, but is not limited to: the number and time when the enterprise borrowed financial resources from multiple institutions, the amount of financial resources borrowed by the enterprise from multiple institutions each time, and the time when the enterprise returned the borrowed financial resources from multiple institutions each time, etc., where multiple institutions include financial institutions.

[0096] For example, taking resources as funds, the number of times a company borrows financial resources from an institution represents the number of times the company makes loans from the institution, the time when the company borrows financial resources from the institution represents the time when the company makes loans from the institution, the number of financial resources borrowed by the company represents the amount of the loan made by the company from the institution, and the time when the company returns the borrowed financial resources to the institution represents the time when the company repays the loan to the institution.

[0097] S504 determines a company’s credit rating based on its historical financial resource return records.

[0098] In this embodiment, in conjunction with S502, the enterprise's credit rating can be determined by combining at least one of the following: the number of institutions from which the enterprise has historically borrowed financial resources, the number of times the enterprise has historically borrowed financial resources, and the time when the enterprise has historically returned borrowed financial resources. Furthermore, if the enterprise fails to return financial resources according to the agreed-upon time with the institution, the enterprise's credit rating can be further determined by combining the overdue return period. The overdue return period refers to the difference between the time when the enterprise fails to return the overdue financial resources and the return time agreed upon between the enterprise and the financial institution. The credit rating can include three levels, five levels, or other levels, and can be specifically set according to the actual application scenario.

[0099] The following example illustrates the credit rating system, which includes five levels: Level 1, Level 2, Level 3, Level 4, and Level 5. Level 1 is higher than Level 2, Level 2 is higher than Level 3, and so on. The lower the level, the less financial resources the financial institution provides.

[0100] Specifically, taking the example of a company having borrowed financial resources from an institution multiple times in the past, we can determine the company's credit rating. The following are some examples of such methods.

[0101] In one approach, if a company has historically borrowed financial resources from only one institution and has borrowed resources from multiple institutions, and if the company repays the borrowed financial resources each time within the repayment period agreed upon by the company and the institution, then the company's credit rating is Level 1.

[0102] In another scenario, if a company has historically borrowed financial resources from only one institution and has borrowed resources from that institution multiple times, and in half of those instances the company fails to repay the borrowed financial resources within the repayment period agreed upon by the company and the institution, then the company's credit rating is Level 2, which is lower than Level 1.

[0103] In another approach, if a company has historically borrowed financial resources from only one institution, and the company has borrowed resources from that institution multiple times, and if, in half of those instances, the company fails to repay the borrowed financial resources within the agreed-upon repayment period, and the total overdue repayment period is less than the first threshold, then the company's credit rating is Level 3, which is lower than Level 2. The total overdue repayment period is calculated by counting the overdue repayment periods corresponding to the financial resources the company failed to repay on time.

[0104] In another approach, if a company has historically borrowed financial resources from only one institution and has borrowed resources from that institution multiple times, and if, in half of those multiple times, the company fails to return the borrowed financial resources within the timeframe agreed upon by the company and the institution, and the total overdue period for resource returns is greater than or equal to the first time threshold but less than the second time threshold, then the company's credit rating is Level 4, which is lower than Level 3.

[0105] In another approach, if a company has historically borrowed financial resources from only one institution and has borrowed resources from that institution multiple times, and if, in half of those multiple times, the company fails to return the borrowed financial resources within the timeframe agreed upon by the company and the institution, and the total overdue period for resource returns is greater than or equal to the second timeframe threshold, then the company's credit rating is Level 5, which is lower than Level 4.

[0106] Specifically, the credit rating of a company can be determined by taking as an example the number of institutions from which it has historically borrowed financial resources, and the number of times it has borrowed resources from each institution multiple times. The following are some examples of such methods.

[0107] In one approach, when a company has historically borrowed financial resources from multiple institutions, and the company has borrowed resources from each institution multiple times, the number of times the company failed to repay the borrowed financial resources within the agreed repayment period between the company and each institution is counted. If this number equals the first-time threshold (which is 0), then the company's credit rating is Level 1.

[0108] In another approach, when a company has historically borrowed financial resources from multiple institutions, and the company has borrowed resources from each institution multiple times, the number of times the company failed to repay the borrowed financial resources within the agreed repayment period is counted. If this number is greater than the first threshold but less than or equal to the second threshold, the company's credit rating is Level 2, which is lower than Level 1. The second threshold is half the total number of institutions, which is the total number of institutions the company borrowed financial resources from historically.

[0109] In another approach, when a company has historically borrowed financial resources from multiple institutions, and the company has borrowed resources from each institution multiple times, the number of times the company failed to repay the borrowed financial resources within the agreed repayment period is counted. If this number exceeds a second threshold, multiple target institutions for which the company has not repaid the financial resources are identified, and the total overdue repayment period for each target institution is obtained. The number of target institutions whose total overdue repayment period is less than a first set value is then determined. If the number of target institutions is less than the first threshold, the company's credit rating is Level 3. The first threshold is a preset multiple of the number of target institutions, such as 1 / 2.

[0110] In another approach, when a company has historically borrowed financial resources from multiple institutions, and the company has borrowed resources from each institution multiple times, the number of times the company failed to repay the borrowed financial resources within the agreed repayment period is counted. If this number exceeds a second threshold, multiple target institutions for which the company has not repaid financial resources are identified, and the total overdue repayment period for each target institution is obtained. The number of target institutions whose total overdue repayment period is greater than or equal to a first set value and less than a second set value is also obtained. If the number of target institutions is less than or equal to the first threshold and less than the second threshold, the company's credit rating is level four.

[0111] In another approach, when a company has historically borrowed financial resources from multiple institutions, and the company has borrowed resources from each institution multiple times, the number of times the company failed to repay the borrowed financial resources within the agreed repayment period is counted. If this number exceeds a second threshold, multiple target institutions for which the company has not repaid financial resources are identified, and the total overdue repayment period for each target institution is obtained. The number of target institutions whose total overdue repayment period is greater than or equal to a second set value is also determined. If the number of target institutions is greater than or equal to the second threshold, the company's credit rating is level five.

[0112] It should be noted that the above is only an illustrative example assuming the credit rating includes five levels, with one institution having historically borrowed financial resources from the enterprise and the enterprise borrowing resources from that institution multiple times, or multiple institutions having historically borrowed financial resources from the enterprise and the enterprise borrowing resources from each institution multiple times. The credit rating may also include other numbers of credit ratings, and determining the enterprise's credit rating based on historical financial resource repayment records can be achieved in other possible ways, which are not specifically limited in this embodiment.

[0113] S506 If the financial resources are within the preset financial resource range corresponding to the credit rating under the first supply chain scale, then a third-party institution is determined based on the target supply chain data to obtain the target data of the target supply chain from the third-party institution.

[0114] In this embodiment, the pre-set range of financial resources provided by financial institutions to enterprises varies depending on the size and credit rating of the supply chain. For example, if the supply chain is medium-sized and the credit rating is level two, the corresponding pre-set range of financial resources is 1 million to 2 million. If an enterprise applies for financial resources from a financial institution and the application falls within the pre-set range corresponding to the credit rating under the first supply chain size, it indicates that the financial resources applied for by the enterprise match the financial resources that the financial institution can provide to the enterprise.

[0115] However, since the initial supply chain size of the target supply chain is determined based on financial information provided by the enterprise, if the financial resources are determined to be reasonable within a preset range corresponding to the credit rating of the initial supply chain size, the accuracy of business processing for the enterprise may be compromised. Therefore, this application, when determining the preset range of financial resources corresponding to the credit rating of the initial supply chain size, also incorporates the enterprise's target supply chain data directly collected by the data acquisition terminal to further determine the reasonableness of the financial resources, thereby improving the accuracy of business processing for the enterprise.

[0116] Specifically, third-party institutions can be identified based on target supply chain data. Target supply chain data refers to transaction data generated during the operation of a company's target supply chain; for example, a target supply chain could be a product manufacturing supply chain or a product transportation supply chain. Therefore, the type of target supply chain can be determined using this data, and then a third-party institution can be selected based on that type to obtain target supply chain data. This target data represents the service data provided by the third-party institution to the company's target supply chain. Specifically, target data can be obtained through data acquisition components deployed within the third-party institution.

[0117] For example, if the target supply chain is a product transportation supply chain and the type of the target supply chain is product transportation, then the third-party organization can be identified as a logistics company based on the product transportation type. The target data can be obtained by data collection components deployed on the logistics company's logistics vehicles. The target data may include product transportation costs, product transportation routes, and product transportation time.

[0118] S508 determines whether financial resources are appropriate based on target data and target supply chain data.

[0119] In this embodiment, if the target data matches the target supply chain data, and the scale of the second supply chain corresponding to the target supply chain data matches the scale of the first supply chain, then the financial resources are determined to be reasonable.

[0120] The second supply chain size corresponding to the target supply chain data refers to the supply chain size of the target supply chain derived from the target supply chain data. For example, the target supply chain data may include sales figures, product transportation costs, product transportation routes, and product transportation times. The product transportation costs, product transportation times, and transportation routes determine the expenditures of the target supply chain, while the sales figures determine its revenue. Based on the revenue and expenditure figures, the profitability of the target supply chain can be determined. Then, by comparing the profitability of the target supply chain with a preset profit range, the second supply chain size of the target supply chain is determined. For details, please refer to the description of the adaptation in S402, which will not be repeated here.

[0121] It is understandable that when the target data matches the target supply chain data, it indicates that the target supply chain data collected by this application through the data acquisition terminal is reasonable. In other words, the data acquisition terminal set up at the target supply chain node has not malfunctioned, and the data collected by the data acquisition terminal is the actual operational data of the target supply chain. When the scale of the second supply chain matches the scale of the first supply chain, it indicates that the financial information sent by the enterprise has not been tampered with by the enterprise, and therefore the scale of the first supply chain determined based on the financial information is accurate.

[0122] In this context, matching target data with target supply chain data can be understood as the existence of multiple data contents in the target supply chain data in the target data, and the specific values ​​of the multiple data contents in the target supply chain data being the same as the specific values ​​of the corresponding multiple data contents in the target data.

[0123] In summary, based on Figure 5The method described above obtains a company's historical financial resource return records to determine its credit rating. This credit rating then determines whether the financial resources the company applies for from financial institutions match the resources those institutions can provide. When the financial resources fall within the preset range corresponding to the credit rating at the first supply chain scale, it can be confirmed that the financial resources applied for by the company match the resources the financial institutions can provide. However, to prevent the company from tampering with the financial information provided, the method compares the target supply chain data collected by the data acquisition terminal with target data provided by a third-party institution to determine if the target supply chain data collected by the data acquisition terminal is reasonable. Furthermore, by comparing the second supply chain scale corresponding to the target supply chain data with the first supply chain scale, it is confirmed that the financial information sent by the company has not been tampered with. Therefore, by determining the reasonableness of the financial resources and confirming that the company meets the threshold requirements, the appropriate business processing can be performed, improving the accuracy of the company's business processing.

[0124] In one embodiment, such as Figure 6 As shown, a business data processing method is provided, which is applied to... Figure 1 Taking server 108 as an example, the following steps may be included:

[0125] S602, when performing financial business processing on an enterprise, outputs the target resource return time for financial resources.

[0126] Among them, the target resource return time of financial resources is used to indicate the return time of financial resources agreed between the enterprise and the financial institution. For example, taking resources as funds, the target resource return time of financial resources refers to the repayment time of the loan from the enterprise to the financial institution.

[0127] S604 If the current return time of the financial resources is later than the return time of the target resources, the enterprise obtains the target overdue return period.

[0128] Specifically, if the current return time of the financial resources is later than the target return time, it indicates that the company has not returned the applied financial resources to the financial institution on time. Therefore, based on the current return time and the target return time, the target overdue return period can be calculated. The target overdue return period refers to the length of time that the current return time exceeds the target return time.

[0129] S606, based on the length of time the target refund is overdue, lowers the company's credit rating.

[0130] Specifically, if the overdue refund period exceeds the time threshold, the company's credit rating will be downgraded to the target rating, which is the next lower level than the current credit rating. For example, according to S504, if the current credit rating of the company is level three, then the company's credit rating will be downgraded to level four.

[0131] Specifically, if the overdue refund period exceeds a preset multiple of the time threshold, the company's credit rating will be downgraded to the target level, which is two levels below the current credit rating. The preset multiple is greater than 1, and can be 2 or other values. For example, in conjunction with S504, if the current credit rating of the company is level three, then the company's credit rating will be downgraded to level five.

[0132] In summary, based on Figure 6 The method shown lowers the company's credit rating based on the overdue period when the current repayment time of financial resources is later than the target repayment time. This lowering of the company's credit rating restricts the company's next application for financial resources, preventing situations where companies fail to repay large amounts of financial resources. This increases the company's initiative in handling financial business transactions.

[0133] In summary, such as Figure 7 As shown, a business data processing method is provided, which is applied to... Figure 1 Taking server 108 as an example, the following steps may be included:

[0134] S702, acquires multiple supply chain data; multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain.

[0135] S704, in response to a financial transaction processing request sent by an enterprise terminal, obtains the type of financial transaction and the enterprise's supply chain operation status. The financial transaction processing request includes the financial resources corresponding to the supply chain operation status and the enterprise's financial information.

[0136] S706 determines the target supply chain from multiple supply chains based on the supply chain operation status.

[0137] S708 obtains target supply chain data through a data acquisition terminal set up within the target supply chain.

[0138] S710, based on financial information, determine the size of the first supply chain of the target supply chain; the target supply chain is the supply chain corresponding to the target supply chain data.

[0139] S712, obtain the company's historical financial resource return records.

[0140] S714 determines a company’s credit rating based on its historical financial resource return records.

[0141] S716 If the financial resources are within the preset financial resource range corresponding to the credit rating under the first supply chain scale, then a third-party institution is determined based on the target supply chain data to obtain the target data of the target supply chain from the third-party institution.

[0142] S718, when the target data matches the target supply chain data, and the scale of the second supply chain corresponding to the target supply chain data matches the scale of the first supply chain, and the financial resources are determined to be reasonable, the threshold requirements for the enterprise to meet the financial business type are determined.

[0143] S720 is a business processing method for financial transactions performed on enterprises based on the target supply chain.

[0144] The specific details of S702-S720 can be found in the aforementioned description and will not be repeated here.

[0145] In summary, such as Figure 8 As shown, Figure 8 Data acquisition terminals can be deployed at various nodes in an enterprise's supply chain to obtain data from multiple supply chains. Taking a logistics company as an example and the target supply chain as the product transportation supply chain, when an enterprise sends a financial transaction request through its terminal, it can obtain product transportation supply chain data from multiple supply chain data sources. Based on the product transportation supply chain, it obtains the target supply chain data from the logistics company. Simultaneously, it determines the first supply chain size based on the enterprise's financial information. When the target data matches the target supply chain data, and the second supply chain size corresponding to the target supply chain data matches the first supply chain size, it can be determined that the enterprise's requested financial resources meet the requirements. The financial institution then executes the corresponding financial transaction type for the enterprise's target supply chain; for example, the financial institution can provide loan services for this type of financial transaction.

[0146] It should be understood that although the steps in the flowcharts of the embodiments described above 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 embodiments described above 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.

[0147] Based on the same inventive concept, this application also provides a business data processing apparatus for implementing the business data 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 data processing apparatus embodiments provided below can be found in the limitations of the business data processing method described above, and will not be repeated here.

[0148] In one embodiment, such as Figure 9 As shown, a business data processing device is provided, including: a data acquisition module 902, a request response module 904, a determination module 906, and a processing module 908, wherein:

[0149] The data acquisition module acquires multiple supply chain data points, collected from data collection terminals located at various nodes within the enterprise's supply chain. The request-response module responds to financial transaction processing requests sent by the enterprise's terminals, acquiring the financial transaction type and the enterprise's supply chain operational status. The determination module identifies the target supply chain data from the multiple supply chain data points based on the supply chain operational status; the target supply chain data corresponds to the target supply chain within the enterprise whose operational resources are less than a preset limit. The processing module, when the target supply chain data determines that the enterprise meets the threshold requirements for a specific financial transaction type, executes the corresponding financial transaction processing for the enterprise based on the target supply chain.

[0150] In one embodiment, the determining module is further configured to: determine a matching target supply chain from multiple supply chains based on the supply chain operation status; and obtain target supply chain data through a data acquisition terminal set within the target supply chain.

[0151] In one embodiment, the financial transaction processing request includes financial resources corresponding to the supply chain operation status and the enterprise's financial information; the processing module is further configured to: determine the size of the first supply chain under the target supply chain based on the financial information; determine whether the financial resources are reasonable based on the size of the first supply chain and the target supply chain data; and if reasonable, determine whether the enterprise meets the threshold requirements for the type of financial transaction.

[0152] In one embodiment, the processing module is further configured to: obtain the enterprise's historical financial resource return records; determine the enterprise's credit rating based on the historical financial resource return records; if the financial resources are within the preset financial resource range corresponding to the credit rating under the first supply chain scale, determine a third-party institution based on the target supply chain data, so as to obtain the target data of the target supply chain from the third-party institution; and determine whether the financial resources are reasonable based on the target data and the target supply chain data.

[0153] In one embodiment, the processing module is further configured to: determine that the financial resources are reasonable if the target data matches the target supply chain data and the scale of the second supply chain corresponding to the target supply chain data matches the scale of the first supply chain.

[0154] In one embodiment, the processing module is further configured to: output the target return time of financial resources when performing financial business processing on the enterprise; if the current return time of the financial resources is later than the target return time, obtain the target overdue return duration; and reduce the enterprise's credit rating based on the target overdue return duration.

[0155] Each module in the aforementioned business data 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, or stored in the memory of a computer device as software, so that the processor can call and execute the operations corresponding to each module.

[0156] 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 multiple supply chain data sets. The network interface communicates with external terminals via a network connection. When executed by the processor, the computer program implements a business data processing method.

[0157] 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.

[0158] 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.

[0159] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, implements the steps in the above method embodiments.

[0160] 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.

[0161] 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.

[0162] 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.

[0163] 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.

[0164] 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 data processing method, characterized in that, The method includes: Acquire multiple supply chain data; the multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain; In response to financial transaction processing requests sent by enterprise terminals, obtain the type of financial transaction and the enterprise's supply chain operation status; Based on the supply chain operation status, a matching target supply chain data is determined from the multiple supply chain data; the target supply chain data is the data corresponding to the target supply chain in the enterprise whose operating resources are less than preset resources. When it is determined based on the target supply chain data that the enterprise meets the threshold requirements of the financial business type, the business processing of the financial business type is performed on the enterprise based on the target supply chain. The financial transaction processing request includes financial resources corresponding to the supply chain operation status and the enterprise's financial information. Determining whether the enterprise meets the threshold requirements for the financial transaction type based on the target supply chain data includes: determining the first supply chain size of the target supply chain based on a comparison between the profitability of the target supply chain contained in the financial information and a preset profit range; the target supply chain is the supply chain corresponding to the target supply chain data, and the specific number of supply chain sizes corresponds to the specific number of ranges corresponding to the preset profit range; determining the enterprise's credit rating based on the enterprise's historical financial resource return records; if the financial resources are within the preset financial resource range corresponding to the credit rating under the first supply chain size, then determining a third-party institution based on the target supply chain data to obtain target data for the target supply chain from the third-party institution; if the target data matches the target supply chain data, and the second supply chain size corresponding to the target supply chain data matches the first supply chain size, and the financial resources are determined to be reasonable, then determining that the enterprise meets the threshold requirements for the financial transaction type.

2. The method according to claim 1, characterized in that, The step of determining the matching target supply chain data from the multiple supply chain data based on the supply chain operation status includes: Based on the operational status of the supply chain, the target supply chain is determined from multiple supply chains to match; The target supply chain data is obtained by means of the data acquisition terminal set up within the target supply chain.

3. The method according to claim 1, characterized in that, The method further includes: When performing the financial business type business processing on the enterprise, output the target resource return time of the financial resources; If the current refund time of the financial resources by the enterprise is later than the refund time of the target resources, the target overdue refund period is obtained; The credit rating of the enterprise will be lowered based on the length of time the target refund is overdue.

4. The method according to claim 1, characterized in that, The method further includes: If the similarity between the second supply chain size corresponding to the target supply chain data and the first supply chain size is greater than a similarity threshold, and the financial resources are within the preset resource range corresponding to the first supply chain size, then the financial resources are determined to be reasonable.

5. The method according to claim 1, characterized in that, The historical financial resource return records include: the number of institutions that historically borrowed financial resources, the number of times they historically borrowed financial resources, and the time when they historically returned the borrowed financial resources; the method also includes: The credit rating of the enterprise is determined based on at least one of the following: the number of institutions that have historically borrowed financial resources, the number of times that have historically borrowed financial resources, and the time when that has historically repaid borrowed financial resources.

6. A business data processing device, characterized in that, The device includes: The data acquisition module is used to acquire multiple supply chain data; the multiple supply chain data are collected based on data acquisition terminals set up at various nodes of the enterprise's supply chain; The request and response module is used to respond to financial business processing requests sent by enterprise terminals and obtain the type of financial business and the enterprise's supply chain operation status. The determination module is used to determine matching target supply chain data from the multiple supply chain data based on the supply chain operation status; the target supply chain data is the data corresponding to the target supply chain in the enterprise whose operating resources are less than preset resources. The processing module is used to perform business processing of the financial business type on the enterprise based on the target supply chain when it is determined from the target supply chain data that the enterprise meets the threshold requirements of the financial business type. The financial transaction processing request includes financial resources corresponding to the supply chain operation status and the enterprise's financial information. The processing module is further configured to determine the first supply chain size of the target supply chain based on a comparison between the profitability of the target supply chain contained in the financial information and a preset profit range. The target supply chain is the supply chain corresponding to the target supply chain data, and the specific number of supply chain sizes corresponds to the specific number of ranges corresponding to the preset profit range. The credit rating of the enterprise is determined based on its historical financial resource return records. If the financial resources are within the preset financial resource range corresponding to the credit rating under the first supply chain size, a third-party institution is identified based on the target supply chain data to obtain target data for the target supply chain. If the target data matches the target supply chain data, and the second supply chain size corresponding to the target supply chain data matches the first supply chain size, and the financial resources are deemed reasonable, the enterprise is determined to meet the threshold requirements for the financial transaction type.

7. The apparatus according to claim 6, characterized in that, The determining module is further configured to: Based on the operational status of the supply chain, the target supply chain is determined from multiple supply chains to match; The target supply chain data is obtained by means of the data acquisition terminal set up within the target supply chain.

8. The apparatus according to claim 6, characterized in that, The processing module is further configured to: When performing the financial business type business processing on the enterprise, output the target resource return time of the financial resources; If the current refund time of the financial resources by the enterprise is later than the refund time of the target resources, the target overdue refund period is obtained; The credit rating of the enterprise will be lowered based on the length of time the target refund is overdue.

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 5.

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 5.

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 5.

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