Business data processing method and device, equipment, medium and product

Abstract

The invention discloses a service data processing method and device, equipment, a medium and a product, relates to the technical field of data processing, and discloses a service data processing method which comprises the following steps: receiving a discount application message input externally, and determining and matching general parameters of the message with historical parameters in a cache; and if not, triggering the asynchronous task to call the peripheral system to perform parameter check, updating the check result to the first message table, and storing the general parameters to the cache. And analyzing and clearing the discount application message, storing discount application information in a first message table, performing real-time and asynchronous check on the information, updating a check result to the first message table, and generating a clearing message. Based on the liquidation message, triggering an asynchronous liquidation task, and calling a peripheral system to execute liquidation processing; if clearing fails, an asynchronous retry mechanism is triggered for processing. According to the invention, the business data processing efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to business data processing methods, devices, equipment, media and products. Background Art

[0002] At present, data processing for different business data (such as discount loan business) is implemented by using stand-alone applications. However, due to the defects of server performance (such as poor scalability) in the traditional stand-alone application architecture, the data processing of business data is inefficient and costly. Therefore, in order to avoid this defect, a distributed system is used to process business data. However, when using a distributed system for data processing of business data, there are also certain defects, such as the need to frequently call external systems for complex business data checks, which not only increases the time and resource consumption caused by data transmission, protocol processing, etc. in network communication, resulting in slow response of the system interface, but also may encounter communication timeout problems. In addition, when the distributed system receives erroneous data and causes business processing to fail, it is necessary to re-receive external data input, which prolongs the business process. Therefore, a more efficient business data processing method is urgently needed. Summary of the invention

[0003] The main purpose of this application is to provide a business data processing method, device, equipment, medium and product, aiming to solve the technical problem of low efficiency of existing business data processing.

[0004] To achieve the above objectives, the present application proposes a business data processing method, the method comprising:

[0005] Receive a discount application message for business data input from the outside, determine a message general parameter to be checked in the discount application message, and match the message general parameter with a historical message general parameter in a preset cache;

[0006] If there is no historical message universal parameter matching the message universal parameter, trigger a preset asynchronous task, call the peripheral system corresponding to the asynchronous task to check the message universal parameters of the discount application message, update the universal parameter check result to the preset message table, obtain the first message table, and store the checked message universal parameters to the cache;

[0007] Parsing and sorting the discount application message, obtaining discount application information of the discount application message, storing the discount application information in the first message table, and obtaining the second message table;

[0008] Performing real-time check and asynchronous check on the discount application information in the second message table, and updating the check results of the real-time check and the asynchronous check into the second message table when both the real-time check and the asynchronous check are completed;

[0009] If the preset asynchronous clearing task is triggered, the peripheral system is called to perform clearing processing on the business data according to the second message table with the inspection results and the triggered asynchronous clearing task. If the clearing processing fails, the preset asynchronous retry mechanism is triggered to perform clearing processing on the business data, wherein the asynchronous retry mechanism is an asynchronous task mechanism that can be repeatedly executed after the execution of the task fails.

[0010] In one embodiment, the steps of performing real-time and asynchronous checking on the discount application information in the second message table include:

[0011] Calling the peripheral system to perform real-time information check on the discount application information, wherein the real-time information check includes real-time check on the basic information and subject information of the discount application information;

[0012] In the case of real-time information check, an asynchronous task is called to perform an asynchronous full check on the discount application information, wherein the asynchronous full check is an asynchronous check on other information in the discount application information except the real-time information.

[0013] In one embodiment, the step of triggering a preset asynchronous retry mechanism to perform clearing processing on business data includes:

[0014] Based on the triggered asynchronous retry mechanism, query the asynchronous liquidation tasks whose task status is failed, and modify the error information of the asynchronous liquidation tasks whose task status is failed;

[0015] When the error information is modified, the steps of calling the peripheral system to perform clearing processing on the business data are executed again according to the second message table with the inspection result and the triggered asynchronous clearing task.

[0016] In one embodiment, if the step of triggering the preset asynchronous clearing task also includes:

[0017] Obtaining financial parameters in the second message table having the inspection result;

[0018] Encapsulate financial parameters into an object data structure and store the object data structure;

[0019] Create asynchronous clearing tasks based on the stored object data structure.

[0020] In one embodiment, after the step of updating the inspection result to the second message table, the step further includes:

[0021] Checking the application status and asynchronous flag of the second message table with the check result, wherein the asynchronous flag includes the general parameter check result and the check results of the real-time check and the asynchronous check;

[0022] When the application status is pre-examined and the asynchronous flags are all passed, a discount response message is output.

[0023] In one embodiment, the step of triggering the asynchronous clearing task further includes:

[0024] Updating the application status of the first message table with the inspection result from the pre-examination status to the cleared status;

[0025] Output cleared status.

[0026] In addition, to achieve the above-mentioned purpose, the present application also proposes a business data processing device, which is arranged in a business data processing system, and the business data processing system is deployed in a distributed architecture, including:

[0027] A discount application module, used for receiving an externally input discount application message for business data, determining a message universal parameter to be checked in the discount application message, and matching the message universal parameter with a historical message universal parameter in a preset cache; if there is no historical message universal parameter matching the message universal parameter, triggering a preset asynchronous task, calling a peripheral system corresponding to the asynchronous task to check the message universal parameter of the discount application message, updating the universal parameter check result to a preset message table, obtaining a first message table, and storing the standard message universal parameter corresponding to the message universal parameter in a preset cache;

[0028] A discount approval module is used to parse and clear discount application messages, obtain discount application information of the discount application messages, store the discount application information in a first message table, perform real-time check and asynchronous check on the discount application information in the first message table, and update the check results to the first message table when both the real-time check and the asynchronous check are completed, and generate a clearing message;

[0029] The discount clearing module is used to trigger the preset asynchronous clearing task based on the clearing message, call the peripheral system according to the first message table and the triggered asynchronous clearing task to perform clearing processing on the business data, and if the clearing processing fails, trigger the preset asynchronous retry mechanism to perform clearing processing on the business data, wherein the asynchronous retry mechanism is an asynchronous task mechanism that can be repeatedly executed after the execution of the task fails.

[0030] In addition, to achieve the above objectives, the present application also proposes a business data processing device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the business data processing method as described above.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a medium, which is a storage medium, and the storage medium is a computer-readable storage medium. A computer program is stored on the storage medium, and when the computer program is executed by a processor, the steps of the business data processing method as described above are implemented.

[0032] In addition, to achieve the above-mentioned purpose, the present application also provides a product, which is a computer program product, including a computer program, and when the computer program is executed by a processor, the steps of the business data processing method as described above are implemented.

[0033] The method of the present application is applied to a business data processing system deployed in a distributed architecture. First, when receiving a discount application message for business data input from the outside, a pre-check is performed on the message general information in the discount application message in the cache. When there is no historical message general information matching the message general information in the cache, the peripheral system is called for checking according to the triggered asynchronous task, and the general parameter check result is updated to the message table to obtain the first message table, and the checked message general parameters are stored in the cache, thereby avoiding the subsequent repeated checking of the general part of the discount application message, improving the processing efficiency of the discount application message, caching the message general information that will not change in the peripheral system within a certain period of time, so that the inspection result can be quickly obtained when the same information is checked again within a certain period of time. Then, the discount application information of the discount application message is stored in the first message table to obtain the second message table, and the discount application information in the second message table is checked in real time and asynchronously, and the real-time inspection result and message table status are returned to the user in real time, and the asynchronous task is used to call the peripheral system for asynchronous inspection to improve the inspection speed. When errors occur during real-time checks and asynchronous checks, error information is returned to the user, which is convenient for the user to modify and provides a good user experience. Finally, after the discount application is approved, the asynchronous clearing task is triggered, and the asynchronous clearing task is used to call the peripheral system for clearing processing. For failed processing, the asynchronous retry mechanism is triggered to retry the clearing processing. The asynchronous retry mechanism is an asynchronous task mechanism that can be repeatedly executed after the task fails. The asynchronous retry mechanism avoids direct manual processing of failed tasks, shortens the business processing process, and improves the efficiency of business data processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0035] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0036] Figure 1 A flowchart of the first embodiment of the method for processing business data of this application is provided;

[0037] Figure 2 A schematic diagram of a pre-check process provided for the first embodiment of the business data processing method of this application;

[0038] Figure 3 A schematic diagram of a liquidation process flow provided for the first embodiment of the present application;

[0039] Figure 4 A schematic diagram of a brief flow of the pre-examination process provided for the second embodiment of the present application;

[0040] Figure 5 A schematic diagram of a brief process flow of an asynchronous retry mechanism provided in the third embodiment of the present application;

[0041] Figure 6 A brief flowchart of the post-preliminary review and approval process provided for the fifth embodiment of this application

[0042] Figure 7 This is a schematic diagram of the module structure of the business data processing device according to an embodiment of the present application;

[0043] Figure 8 This is a schematic diagram of the device structure of the hardware operating environment involved in the business data processing method in the embodiment of the present application.

[0044] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0045] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0046] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0047] The main solution of the embodiment of the present application is: by receiving the message and verifying its common parameters, using the cache to reduce repeated checks, real-time and asynchronous double-checking of the application information, generating a clearing message after ensuring the data is accurate, and finally executing the clearing through asynchronous tasks, automatically retrying in case of failure, thereby ensuring the efficient and reliable execution of the discount business.

[0048] In this embodiment, for ease of description, the following description is made using a business data processing system deployed in a distributed architecture as an execution subject.

[0049] At present, data processing for different business data (such as discount loan business) is implemented by using stand-alone applications. However, due to the defects of server performance (such as poor scalability) in the traditional stand-alone application architecture, the data processing of business data is inefficient and costly. Therefore, in order to avoid this defect, a distributed system is used to process business data. However, when using a distributed system for data processing of business data, there are also certain defects, such as the need to frequently call peripheral systems for complex business data checks, which not only increases the time and resource consumption caused by data transmission, protocol processing, etc. in network communication, resulting in slow response of the system interface, but also may encounter communication timeout problems. In addition, when the distributed system receives erroneous data and causes business processing failure, it is necessary to re-receive external data input, which prolongs the business process and greatly reduces the processing efficiency of business data.

[0050] The present application provides a solution, which checks the general parameters of the message when a discount application message is received, and quickly obtains the inspection results by matching the general parameters of the message with the general parameters of historical messages in a preset cache. If the general parameters of the historical message corresponding to the general parameters of the message cannot be obtained in the cache, the general parameters of the message are called to check the general parameters of the message by triggering an asynchronous task. For the general parameters of the target message that will not change within a certain period of time, they are stored in the cache so that they can be quickly matched during the next inspection, thereby obtaining the corresponding inspection results. For the inspection results, it is updated to the preset message table, the discount application message is parsed and cleared, the discount application information is obtained, the discount application information is also stored in the message table, and the discount application information in the message table is checked. First, the peripheral system is called to perform real-time inspection on the basic and main information in the discount application information, so that users can obtain real-time information feedback and improve the user experience. After the inspection is passed, the peripheral system will be called to perform asynchronous full inspection on the discount application information to check the information in the discount application information that does not need to be returned immediately. By splitting the discount application information and checking the asynchronous task, the inspection efficiency is greatly improved while also increasing the user's discount application experience. In addition, after the discount application information is checked, the application status of the message table will be updated to the pre-examined state. For the message table in the pre-examined state, the system will check the application status and asynchronous flag in the message table to ensure that the message table is in the pre-examined state and the discount application information is correct, thereby effectively improving the success rate of business data processing. Finally, if the application status and asynchronous flag check results are passed, the system's message receiving and sending module will generate a clearing message, notifying the system's asynchronous processing module to call the peripheral system to clear the business data in the message table. If the clearing process fails, the asynchronous retry mechanism will be triggered. After the system modifies the business data, it will repeat the clearing process, avoiding the user from making changes directly when the clearing fails, thereby prolonging the business process. In addition, before the clearing process is performed, a clearing notification will be sent to the user to inform the user of the business processing progress, further improving the user experience.

[0051] It should be noted that the execution subject of this embodiment may be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a business data processing system, etc. The following takes the business data processing system as an example to illustrate this embodiment and the following embodiments.

[0052] Based on this, the present application embodiment provides a business data processing method, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the business data processing method of the present application.

[0053] In this embodiment, the service data processing method includes steps S10 to S50:

[0054] Step S10, receiving an externally input discount application message for business data, determining a message universal parameter to be checked in the discount application message, and matching the message universal parameter with a historical message universal parameter in a preset cache;

[0055] It should be noted that the external system can be a terminal system outside the business data processing system. The terminal system can be dedicated to bill trading and clearing, and can be operated by a regulatory agency or a financial market infrastructure provider, responsible for bill registration, custody, transfer and clearing. Business data refers to the sum of all data used to make a discount application. A discount application message refers to an electronic communication document used in the financial field to request bill discount services, which contains all the necessary information for discounting, that is, discount application information, so that financial institutions (such as banks) can evaluate and process discount requests.

[0056] It should be noted that discounting refers to the process in which the bill holder transfers the bill to a financial institution, and the general parameters of the message refer to the general information about the bill in the discount application message, such as the bill collector, the acceptor, and the transaction, etc. The preset cache refers to a temporary data processing mechanism specially designed to store the general parameters of historical messages on the business data processing device of the business data processing system, which is usually stored in the memory.

[0057] Specifically, combined Figure 2 , the message module 01 in the system executes step A01, receives the discount application message, and parses the message general parameters in the discount application message. These message general parameters include but are not limited to basic information such as the beneficiary, the acceptor, and the transaction bank. The message module 01 executes step A02 to register the asynchronous peripheral inspection. At the same time, the asynchronous processing module 02 will trigger the asynchronous task, execute step A03, and perform asynchronous pre-inspection. The asynchronous processing module 02 executes step A04 to determine whether the cache is hit, that is, the message general parameters are matched with the historical message general parameters in the preset cache to check whether the cache is hit. And in the case of yes, the inspection result hit in the cache is obtained, and the asynchronous processing module 02 executes step A06 to update the inspection result to the message table. In the case of no, the asynchronous processing module 02 executes step A05, calls the peripheral inspection, caches the result, that is, calls the peripheral system for inspection, and stores the inspection result in the cache, and updates the inspection result to the message table.

[0058] It is understandable that since the business data processing system needs to process a large number of discount application messages, and the processing of each message involves complex verification and settlement processes, performing step S10 can avoid repeated processing of the same message common information, thereby improving the processing efficiency of business data.

[0059] Step S20: If there is no historical message universal parameter matching the message universal parameter, trigger a preset asynchronous task, call the peripheral system corresponding to the asynchronous task to check the message universal parameter of the discount application message, update the universal parameter check result to the preset message table, obtain the first message table, and store the checked message universal parameter to the cache;

[0060] It should be noted that the historical message common parameters refer to some common message parameters stored in the cache after the common message parameters were checked and the check results passed the last time. Some common message parameters are message parameters that will not change in the peripheral system within a certain period of time. The preset asynchronous task refers to a task that is automatically executed in the system background and is used to call the peripheral system service to asynchronously check the common parameters in the discount application message. The preset message table refers to a database table or data structure used to store message information and its verification results, including but not limited to the unique identifier of the message, the common parameter check results, the discount application information, etc.

[0061] Specifically, if the business data processing system does not find historical general message parameters that match the general message parameters in the currently received discount application message in the preset cache, the system will trigger the preset asynchronous task. This asynchronous task is designed to avoid blocking the main business process and ensure that the system can continue to receive and process other messages without reducing the overall efficiency due to the inspection process of a single message. The asynchronous task will call the corresponding peripheral system to check the general message parameters of the discount application message. The peripheral system may include but is not limited to the credit assessment system, anti-fraud system, compliance inspection system, etc., each of which is responsible for a specific part of the inspection work to ensure that all aspects of the discount application meet certain parameter requirements, such as the parameter requirements specified by financial institutions.

[0062] If the result of the general parameter check of the general parameter check is passed, it means that there is no problem with the information of the general parameters of the message, and it meets all business and compliance standards. In order to prevent the same discount application message from being received again in the future or the same parameters in the message from being checked repeatedly, the business data processing system will store the general parameters of the message of the current message in the preset cache. In this way, the next time the business data processing system receives a message with the same general parameters, it can directly read the information from the cache and quickly determine whether the message has been processed, thereby avoiding unnecessary repeated checks and improving the response speed and processing efficiency of the business data processing system. At the same time, the business data processing system will update the check results to the preset message table to obtain the first message table. The message table is a place in the business data processing system for recording and managing all valid discount application messages. It contains the general parameter check results of all messages that have undergone preliminary checks and is an important basis for subsequent processing procedures.

[0063] In this step, the application of asynchronous tasks and caching mechanisms not only ensures the accuracy and compliance of business data processing, but also greatly enhances the ability of the business data processing system to process large-scale data, thereby improving the efficiency of processing business data.

[0064] Step S30, parsing and sorting the discount application message, obtaining the discount application information of the discount application message, storing the discount application information in the first message table, and obtaining the second message table;

[0065] It should be noted that parsing refers to the process of decomposing the received discount application message into its components. In this process, the business data processing system will identify and extract the various fields and data elements in the message according to the format specification of the message. For example, in the discount application message, the applicant information, discount bill information, discount amount, discount interest rate and other discount application information may be parsed. Clearing refers to the preliminary processing and classification of the data in the discount application message for subsequent review and processing. The discount application information refers to the sum of all the data related to the discount application contained in the discount application message. The general parameters of the message mentioned in steps S10 and S20 are also included in the discount application information.

[0066] Combination Figure 2, after the message module 01 executes step A01 and registers the asynchronous peripheral inspection, it executes step A07 to register the message information, that is, to parse and clear the discount application message, obtain the discount application information of the discount application message, store the discount application information in the first message table, and obtain the second message table. Parsing and clearing the discount message is to group the various types of information in the discount application message to facilitate subsequent processing of the information. The message module 01 then executes step A08, that is, to update the application status of the second message table, that is, to update it to the state to be signed.

[0067] Step S40, performing real-time check and asynchronous check on the discount application information in the second message table, and updating the check results of the real-time check and the asynchronous check into the second message table when both the real-time check and the asynchronous check are completed;

[0068] It should be noted that real-time check refers to the check of the basic and main information in the discount application information, which includes the discounter, guarantor, etc. Asynchronous check refers to the check of the discount detail information, such as the calculation results of the discount amount, discount interest and net discount amount, etc. Asynchronous check of discount detail information usually takes longer because it involves the calculation of the net amount in the discounted bill.

[0069] Specifically, the business data processing system first parses the received discount application message. This process involves disassembling the message according to the preset format specification and extracting the discount application information including but not limited to the applicant information, discount bill details, application amount and interest rate. Clearing stage Immediately after the parsing, the business data processing system will preliminarily process and classify the discount application information to ensure the accuracy and completeness of the information, so as to facilitate the subsequent review process. The discount application information is fully recorded in the second message table. The real-time check is then carried out, mainly for the rapid verification of the correctness of the basic and main information, such as confirming the identity and qualifications of the discounter and the guarantor. At the same time, the asynchronous check is more in-depth, focusing on the calculation of the discount details, such as the calculation of the discount amount, interest and net amount. Since this type of check may involve complex financial calculations, it is carried out asynchronously, allowing more time and resources to complete accurate verification. Once both the real-time check and the asynchronous check are correct, the check results will be updated in the second message table, indicating that the application has passed all necessary reviews. At this time, the business data processing system generates a clearing message based on these verified application status and discount application information. This clearing message sends instructions to the system's discount processing module, indicating that it can safely perform the discount operation, thereby completing the entire discount application processing flow.

[0070] For example, suppose a company submits an electronic message to apply for a discount, which contains detailed bill information and financial data. After receiving it, the business data processing system immediately begins parsing and clearing, registering all necessary information on the second message table, and quickly performs real-time checks to confirm the identity of the company and the guarantor. Subsequently, the business data processing system asynchronously checks the financial details of the bill to ensure that the calculation of the discount amount is correct. When all checks are completed, the business data processing system automatically updates the second message table and generates a clearing message to notify the corresponding part of the business data processing system to perform the discount operation, ultimately realizing the circulation of funds.

[0071] Step S50, if the preset asynchronous clearing task is triggered, then according to the second message table with the inspection result and the triggered asynchronous clearing task, the peripheral system is called to perform clearing processing on the business data. If the clearing processing fails, the preset asynchronous retry mechanism is triggered to perform clearing processing on the business data, wherein the asynchronous retry mechanism is an asynchronous task mechanism that can be repeatedly executed after the execution task fails.

[0072] It should be noted that the preset asynchronous clearing task refers to a pre-set non-immediate processing job in financial transactions, account processing or other business scenarios that require time to process. This task will not be executed immediately, but will be scheduled at a later time, usually through background batch processing or scheduled tasks. Triggering refers to the action or condition of starting a program, function, event or task. When a specific event occurs or a preset condition is reached, the business data processing system will automatically or manually start the corresponding response or operation. Optionally, the triggering condition may be the receipt of a clearing message.

[0073] For example, combined with Figure 3, when the message module 01 of the business data processing system executes step B01, receives the clearing message, and then executes step B02, that is, based on the clearing method information carried in the clearing message, it determines whether to perform online clearing. If the clearing method is online clearing, step B03 is executed to make offline payment, and the business data is manually processed by the business processing agency, that is, the bank pays the customer directly. If the clearing method is non-online clearing, step B04 is executed to register the asynchronous pending payment task, and step B05 is executed to reply the receipt, such as replying to the customer with a receipt in the cleared status to notify the customer that the discount has been successful. At the same time, the asynchronous processing module 02 will execute step B06 to connect to large-amount payments. That is, the asynchronous clearing task is triggered, and the large-amount payment system in the peripheral system is called by the asynchronous clearing task to process the business data, wherein the determination of the business data is determined by the discount application information in the first message table. The asynchronous processing module 02 will execute step B07 to check whether the payment is successful. If so, it will execute step B08. The financial processing in the business data processing system will update the business data. After completion, the asynchronous processing module 02 will execute step B09 to end the overall process. However, if the payment is not successful, step B10 will be executed to perform an asynchronous retry. That is, the discount module 03 triggers the asynchronous retry mechanism to reprocess the business data. For the case where the asynchronous clearing task fails to execute due to an internal error in the business data processing system, the asynchronous retry mechanism can re-execute the asynchronous clearing task after a period of time. For business data that cannot be successfully processed after multiple retries, the business processing personnel of the business processing organization will modify the business data on the front-end page 04, and the asynchronous processing module 02 will execute the asynchronous clearing task and perform an asynchronous retry. At the same time, the asynchronous processing module 02 will continue to execute the asynchronous clearing task to process the business data without errors.

[0074] The present embodiment provides a business data processing method. The present embodiment first triggers an asynchronous task in a peripheral system when receiving a discount application message for business data input from an external source, and then performs a pre-check on the general information in the discount application message in a cache. When there is no matching check result in the cache, the peripheral system is called according to the triggered asynchronous task to perform the check, and the general parameter check result is updated to a message table to obtain a first message table, and the checked message general parameters are stored in the cache, thereby avoiding subsequent repeated checks on the general part of the discount application message, improving the processing efficiency of the discount application message, and caching the target check results that will not change in a certain period of time in the peripheral system, so that the check results can be quickly obtained when the same information is checked again within a certain period of time. Then, the discount application information of the discount application message is stored in the first message table to obtain the second message table. The discount application information in the second message table is checked in real time and asynchronously. The error information and message table status are returned to the user in real time, and the asynchronous task is called to check the non-subject and basic information of the discount application information in the peripheral system. The use of asynchronous tasks to call the peripheral system not only improves the inspection speed, but also provides a good user experience for the user. In addition, after the inspection is completed, the application status in the message table and the asynchronous flag containing the inspection result will be checked to ensure that the discount application information in the message table is correct and improve the success rate of the discount application. Finally, after the discount application is approved, the clearing message is received to determine that the message table can be discounted, and the asynchronous clearing task is triggered. The asynchronous clearing task is used to call the peripheral system for clearing processing. For failed processing, the asynchronous retry mechanism is triggered to retry the clearing processing. The asynchronous retry mechanism avoids direct manual processing of failed tasks, further shortens the business data processing process, and improves the business data processing efficiency.

[0075] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the first embodiment can be referred to the above description, and will not be described in detail later. On this basis, the step S40 of performing real-time and asynchronous checking on the discount application information in the second message table also includes steps S401 to S402:

[0076] Step S401, calling a peripheral system to perform real-time information check on the discount application information, wherein the real-time information check includes real-time check on the basic information and subject information of the discount application information;

[0077] For the parsed and cleared discount application information, the business data processing system will call the peripheral system in the main thread to perform real-time information checks on the basic information and main information in the discount application information. When performing real-time information checks, the module that performs discount processing in the business data processing system will first return the results to the front end. If the real-time information check reports an error, the discount application message approval will be terminated. If the real-time information check does not report an error, an asynchronous check task will be submitted for an asynchronous full check. At this time, the application status in the message table is updated from the waiting-for-receipt status to the checking status. Among them, the basic information and main information in the discount application information refer to the discount subject, guarantor, and account number in the discount bill. The inspection results of this type of information need to be returned to the user in real time to facilitate the user to modify it.

[0078] Step S402: When the real-time information check is passed, an asynchronous task is called to perform an asynchronous full check on the discount application information, wherein the asynchronous full check is an asynchronous check on other information in the discount application information except the real-time information.

[0079] It should be noted that other information besides real-time information refers to other information besides the basic and principal information in the discountable bills of the discount application information, such as the calculation results of the discount amount and discount interest, etc. This type of information requires time-consuming calculations by the peripheral system, so it is necessary to trigger asynchronous tasks to execute them to avoid communication timeouts between the front end and the business data processing system, which causes users to wait for a long time for a response, resulting in a poor user experience.

[0080] Specifically, after the real-time information check, an asynchronous task is triggered, and the peripheral system is called to perform an asynchronous full check on the discountable bills in the discount application information. If the asynchronous full check reports an error, the approval is terminated. If the asynchronous full check does not report an error, the discount application status in the first message table is updated to the pre-reviewed status.

[0081] Exemplarily, in order to help understand the implementation process of the real-time information check and asynchronous information check of the discount application information obtained by combining this embodiment with the above-mentioned embodiment 1,

[0082] Please refer to Figure 4 For example, when Enterprise A performs step A11 in the front page 04 of the bank website to query its discountable bills, the business data processing system responds immediately. The discount module 03 performs step A12 to query the discountable bills and returns the discountable bill information related to Enterprise A. Based on this information, Enterprise A selects bills and submits a discount application. The front page A04 performs step A13 to obtain the discountable bill information submitted by Enterprise A and initiates a series of automated processing flows.

[0083] The business data processing system first parses the discount application message and decomposes the message content into various components, including but not limited to detailed information of Company A, the type of bill, amount, expiration date and other key elements. Then, the business data processing system performs a clearing operation to classify and organize these data, preparing to enter the next step of real-time inspection and asynchronous full inspection. The real-time inspection is quickly carried out, and the discount module 03 in the business data processing system executes step A13 to perform a basic and main inspection of the discountable bill information, such as whether the status of the bill is indeed discountable, confirming the identity and credit status of Company A, and ensuring that it is eligible for discounting. The discount module 03 executes step A14 to determine whether there is an error based on the inspection results of the basic and main inspections. If so, execute step A17 to end the process. If not, execute step A15 to submit the asynchronous inspection task.

[0084] When receiving the asynchronous check task, the asynchronous processing module 02 executes step A16 to perform an asynchronous full check. The asynchronous full check involves complex financial calculations, such as the precise calculation of the discount amount, the application of the discount rate, the calculation of the discount interest, and the determination of the final net amount.

[0085] During the asynchronous full check, step A18 is executed to check whether an error message appears. If so, step A19 is executed to end the process and feedback the specific reasons to enterprise A so that the enterprise can make corresponding adjustments or supplementary materials. If not, after the asynchronous full check is completed, step A20 is executed, and the business data processing system updates the discount application status to pre-examined according to the check results.

[0086] In this embodiment, real-time information check and asynchronous full-volume check are performed in parallel. By splitting the business data in the discount application information, asynchronous tasks are triggered to execute time-consuming business data, thereby speeding up the business data processing and improving the efficiency of business data processing. In addition, by returning the inspection results of real-time information inspection, the user's business handling experience is improved.

[0087] Based on the first embodiment or the second embodiment of the present application, in the third embodiment of the present application, the same or similar contents as those in the above embodiments can be referred to the above description, and will not be repeated in the following. On this basis, the step of triggering the preset asynchronous retry mechanism to clear the business data in step S50 also includes steps S501 to S502:

[0088] Step S501, based on the triggered asynchronous retry mechanism, query the asynchronous liquidation task whose task status is a failed state, and modify the error information of the asynchronous liquidation task whose task status is a failed state;

[0089] It should be noted that the asynchronous retry mechanism is a mechanism that can be executed repeatedly after the execution of a task fails. Specifically, when an asynchronous liquidation task fails, the asynchronous retry mechanism will automatically trigger a retry of the asynchronous liquidation task. After the business data processing system corrects the error information, it will try to re-execute the task until the task succeeds or reaches the preset retry limit. The error information refers to an internal error of the business data processing system that occurs when the business data processing system executes the asynchronous liquidation task, rather than an error in the business data itself required to execute the asynchronous liquidation task. This internal error can be corrected by the business data processing system.

[0090] Step S502, when the error information is modified, the step of calling the peripheral system to perform clearing processing on the business data is executed again according to the second message table with the inspection result and the triggered asynchronous clearing task.

[0091] When the business processing system has finished modifying the error information, the asynchronous clearing task calls the peripheral system to perform clearing processing on the business data according to the second message table having the inspection result.

[0092] It should be noted that after the error information is modified, the business data processing system can better adapt to the current environment or data requirements and ensure the smooth progress of asynchronous clearing services. The retry of asynchronous clearing tasks is performed at a certain time interval, rather than immediately. For example, when a failed asynchronous clearing task is queried, the business processing system will execute it again after an interval of 10 minutes, calling the peripheral system to perform clearing processing on the business data, reserving time for processing error information, avoiding repeated execution of failed tasks that are bound to fail, and reducing the efficiency of business data processing.

[0093] For example, to help understand the implementation process of the asynchronous retry mechanism obtained by combining this embodiment with the above-mentioned embodiment 1, please refer to Figure 5 , Figure 5 A brief flowchart of an asynchronous retry mechanism is provided, specifically:

[0094] A bank needs to clear a large number of bill discount transactions every day. Due to the huge volume of transactions, the bank uses asynchronous clearing tasks to process these bills and ensures the accuracy and stability of the clearing process through an asynchronous retry mechanism. The asynchronous clearing task receiving terminal 05 of the bank's business data processing system executes step C01, automatically receives the asynchronous clearing task, and executes step C02 to obtain task data and execute, such as connecting to the large-value payment system to start executing the asynchronous clearing task. Then execute step C03 to check whether the asynchronous clearing task is executed successfully. If so, proceed to step C04 to update the task status of this asynchronous clearing task to success. If the asynchronous clearing task fails in the first execution due to some reasons (such as network fluctuations, database connection failure, etc.), proceed to step C05 to update the task status, and proceed to step C06 to update the task status to failure. The business data processing system detects that the status of the task has changed to "failed". The business data processing system records the error information of this failure, such as "database connection timeout". Based on the preset asynchronous retry mechanism, the bank's business data processing system decides to retry to execute the asynchronous clearing task after 10 minutes. After 10 minutes, the receiving end 05 and the front-end page 04 in the business data processing system will both execute step C07 to query the failed tasks, and after querying the failed tasks, execute step C08 to retry the tasks, that is, re-execute the asynchronous clearing task. The receiving end 05 of the bank business data processing system executes step C01 to receive the asynchronous clearing task, thereby executing the task, but due to database maintenance, the task fails again. The business data processing system records new error information, such as: "Database maintenance, please try again later." After 10 minutes, the bank business data processing system once again queries the tasks with a failed task status and tries to execute the asynchronous clearing task again. This time the database maintenance is over, the asynchronous clearing task is successfully executed, and the clearing is completed. If the task still fails after the preset maximum number of retries (for example, 5 times), the business data processing system will record the final failure status and error information, and notify relevant personnel to intervene and handle manually. Through this asynchronous retry mechanism, the bank can ensure that the clearing task of the bill discount transaction can be completed as automatically as possible even when there is a problem with the business data processing system.

[0095] In this embodiment, the asynchronous retry mechanism is used to realize automatic error detection and correction, which significantly improves the success rate of business data processing. At the same time, for some errors that can be handled by the business data processing system, the business data processing system automatically corrects the errors, avoiding direct manual intervention, effectively shortening the business process, and improving the efficiency of business data processing.

[0096] Based on the first embodiment, the second embodiment, or the third embodiment of the present application, in the fourth embodiment of the present application, the same or similar contents as those in the above embodiments can be referred to the above description, and will not be described in detail later. On this basis, if the preset asynchronous clearing task is triggered in step S50, steps S511 to S513 are also included before the step:

[0097] Step S511, obtaining the financial parameters in the second message table with the inspection results; Step S512, encapsulating the financial parameters into an object data structure and storing the object data structure; Step S513, creating an asynchronous clearing task based on the stored object data structure.

[0098] It should be noted that the first message table with the inspection results refers to the message table storing the inspection results of the real-time information inspection and the asynchronous full inspection in the first embodiment, and the financial parameter refers to the information related to the clearing process in the discount application information, such as the clearing data such as the discount amount and the discounter. Storing the object data structure refers to storing the object data structure in the relevant database of the business data processing system. The object data structure may include a graph structure, etc.

[0099] Specifically, combined Figure 5 , the asynchronous clearing task initiator 06 of the business data processing system executes step D01 to assemble the asynchronous task, that is, to assemble the asynchronous clearing task and obtain the financial parameters from the first message table. Then, these financial parameters are encapsulated into an object data structure as task data to facilitate unified management and processing in the business data processing system. The encapsulation process of the object data structure organizes these task data into a structured format to facilitate storage and retrieval. The encapsulated object data structure is then stored in the database of the business data processing system, that is, to execute step D02, the process of storing task data. Then, step D03 is executed to submit the asynchronous task, that is, based on the stored task data, the asynchronous clearing task is submitted to the asynchronous clearing task receiving end of the business data processing system, and then step D04 is executed to set the task status of the asynchronous clearing task to be executed.

[0100] In this embodiment, by systematically processing and packaging business data, the consistency and accuracy of the data are ensured, the efficiency of data storage and retrieval is improved, and the management of asynchronous clearing tasks is optimized.

[0101] Based on the first embodiment, the second embodiment, the third embodiment, or the fourth embodiment of the present application, in the fifth embodiment of the present application, the same or similar contents as those in the above embodiments can be referred to the above description, and will not be described in detail later. On this basis, after the step S40 updates the inspection result to the second message table, the steps S403 to S404 are also included:

[0102] Step S403, checking the application status and asynchronous flag of the first message table with the check result, wherein the asynchronous flag includes the general parameter check result and the check results of the real-time check and the asynchronous check;

[0103] Step S404: when the application status is in the pre-examination status and the asynchronous flags are all passed, a discount response message is output, and a step of generating a settlement message is performed according to the first message table with the inspection result.

[0104] Before checking the application status and asynchronous flag of the first message table with the check result, the business data processing system will update the application status in the first message table from the checking status to the pre-examination status. Figure 6 When the user performs a query operation on the front-end page 04, the front-end page 04 executes step H01 to query the pre-reviewed bills, and the discount module 03 of the business data processing system executes step H02, which queries the pre-reviewed bills in the background database and returns the query results to the front-end page 04. The front-end page 04 executes step H03 to submit the pre-reviewed bills for approval. The discount module 03 executes step H04 to verify the status and elements of the submitted pre-reviewed bills, that is, to verify the application status and asynchronous flag of the message table. The application status refers to the application status of the message table, and the asynchronous flag refers to a flag returned to the business data processing system each time a peripheral system check is performed. It records whether the inspection results of all checks on the discount application information are passed. All checks include message general parameter checks, real-time information checks, and asynchronous full checks.

[0105] The discount module H04 executes step H05. When the verification status and elements have passed, it executes step H06 to end the approval process. That is, the application status and elements of the message table are verified. The element is the asynchronous flag. When the application status is pre-examined and all asynchronous flags are passed, the approval is passed and the approval process of the business data ends.

[0106] The asynchronous processing module 02 executes step H07 and sends an application response message (the application response message is also a discount response message). When the message module 01 of the business data processing system receives the application response message, it will also execute step H08 to send the application response message to the outside, and generate a settlement message according to the message table to facilitate the subsequent settlement processing of the message table.

[0107] In addition, it should be noted that the settlement message is generated by the message module 01 in the business data processing system after the subsequent inspection results of the application status and discount application information in the first message table are verified, and is used to notify the discount module 03 in the business data processing system to perform discounting.

[0108] In this embodiment, by comprehensively checking the application status and asynchronous flag of the message table, it is ensured that only when all the check results are passed will it be approved, and the discount response message will be output and the settlement message will be generated, thereby ensuring the accuracy of the processing of business data (such as the discount application information in the message table).

[0109] Based on the first embodiment, the second embodiment, the third embodiment, the fourth embodiment, or the fifth embodiment of the present application, in the sixth embodiment of the present application, the same or similar contents as those in the above embodiments can be referred to the above description, and will not be repeated later. On this basis, the step of the asynchronous clearing task triggered by step S50 also includes steps S521 to S522:

[0110] Step S521, updating the application status of the first message table with the inspection result from the pre-examination status to the cleared status; Step S522, outputting the cleared status.

[0111] It should be noted that step S521 and step S522 are executed after the step of triggering the asynchronous clearing task in order to separate the business data processing flow. Specifically, after the asynchronous clearing task is triggered, the message table status is updated at the same time, the cleared status is output and the asynchronous clearing task is called to connect to the peripheral system to perform clearing processing. This separation ensures that each stage of business data processing can be managed independently and clearly. Step S521 updates the application status to the cleared status, indicating that the application has completed all necessary clearing operations. Step S522 outputs the cleared status, providing clear feedback to external systems and users, ensuring that all relevant parties can understand the progress of task processing in a timely manner.

[0112] In this embodiment, by updating the application status to the cleared status and outputting the cleared status, timely feedback is provided to the external system and users, ensuring that all relevant parties can synchronously understand the processing progress of the task, reducing errors or delays that may be caused by unclear status or overlapping processing processes, and ultimately improving the efficiency of business data processing.

[0113] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the business data processing method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0114] This application also provides a business data processing device, please refer to Figure 7 The business data processing device is arranged in a business data processing system, and the business data processing system is deployed in a distributed architecture, including:

[0115] The discount application module 10 is used to receive an externally input discount application message for business data, determine the message general parameters to be checked in the discount application message, and match the message general parameters with the historical message general parameters in a preset cache; if there is no historical message general parameter matching the message general parameter, trigger a preset asynchronous task, call the peripheral system corresponding to the asynchronous task to check the message general parameters of the discount application message, update the general parameter check result to the preset message table, obtain the first message table, and store the checked message general parameters to the cache; parse and clear the discount application message, obtain the discount application information of the discount application message, store the discount application information in the first message table, and obtain the second message table;

[0116] The discount approval module 20 performs real-time and asynchronous checks on the discount application information in the second message table, and updates the inspection results of the real-time and asynchronous checks to the second message table when both the real-time and asynchronous checks are completed;

[0117] The discount settlement module 30 is used to call the peripheral system to perform settlement processing on the business data according to the second message table with the inspection result and the triggered asynchronous settlement task if the preset asynchronous settlement task is triggered. If the settlement processing fails, the preset asynchronous retry mechanism is triggered to perform settlement processing on the business data, wherein the asynchronous retry mechanism is an asynchronous task mechanism that can be repeatedly executed after the execution task fails.

[0118] The business data processing device provided by the present application adopts the business data processing method in the above embodiment, which can solve the technical problem of low business data processing efficiency in the prior art. Compared with the prior art, the beneficial effects of the business data processing device provided by the present application are the same as the beneficial effects of the business data processing method provided by the above embodiment, and other technical features in the business data processing device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0119] The present application provides a business data processing device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the business data processing method in the above-mentioned embodiment one.

[0120] Reference below Figure 8, which shows a schematic diagram of the structure of a business data processing device suitable for implementing an embodiment of the present application. The business data processing device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 8 The business data processing device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0121] like Figure 8 As shown, the business data processing device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the business data processing device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the business data processing device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a business data processing device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0122] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0123] The business data processing device provided by the present application adopts the business data processing method in the above embodiment, which can solve the technical problem of low business data processing efficiency. Compared with the prior art, the beneficial effects of the business data processing device provided by the present application are the same as the beneficial effects of the business data processing method provided by the above embodiment, and other technical features in the business data processing device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0124] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0125] The above are only specific implementations of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0126] The present application provides a medium having computer-readable program instructions (ie, computer programs) stored thereon, wherein the computer-readable program instructions are used to execute the business data processing method in the above-mentioned embodiment.

[0127] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0128] The computer-readable storage medium may be included in the business data processing device; or may exist independently without being installed in the business data processing device.

[0129] The computer-readable storage medium carries one or more programs, and the one or more programs can be executed by the business data processing device.

[0130] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0131] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0132] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0133] The medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned business data processing method, and can solve the technical problem of low business data processing efficiency in the prior art. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the business data processing method provided in the above-mentioned embodiment, and will not be repeated here.

[0134] The present application also provides a product, which is a computer program product, including a computer program, and when the computer program is executed by a processor, the steps of the business data processing method as described above are implemented.

[0135] The product provided by this application can solve the technical problem of low efficiency of business data processing in the prior art. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the business data processing method provided by the above embodiment, which will not be repeated here.

[0136] The above are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect application in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A business data processing method, characterized in that: The method is applied to a business data processing system deployed in a distributed architecture, including: Receiving an externally input discount application message for business data, determining a message universal parameter to be checked in the discount application message, and matching the message universal parameter with a historical message universal parameter in a preset cache; If there is no historical message universal parameter matching the message universal parameter, triggering a preset asynchronous task, calling a peripheral system corresponding to the asynchronous task to perform message universal parameter check on the discount application message, updating the universal parameter check result to a preset message table, obtaining a first message table, and storing the checked message universal parameter to the cache; parsing and sorting the discount application message, obtaining discount application information of the discount application message, storing the discount application information into the first message table, and obtaining a second message table; Performing a real-time check and an asynchronous check on the discount application information in the second message table, and when both the real-time check and the asynchronous check are completed, updating the check results of the real-time check and the asynchronous check into the second message table; If the preset asynchronous clearing task is triggered, the peripheral system is called to perform clearing processing on the business data according to the second message table with the inspection result and the triggered asynchronous clearing task. If the clearing processing fails, the preset asynchronous retry mechanism is triggered to perform clearing processing on the business data, wherein the asynchronous retry mechanism is an asynchronous task mechanism that can be repeatedly executed after the execution of the task fails.

2. The method according to claim 1, characterized in that The step of performing real-time and asynchronous checking on the discount application information in the second message table comprises: Calling the peripheral system to perform real-time information check on the discount application information, wherein the real-time information check includes real-time check on basic information and subject information of the discount application information; In the case where the real-time information check is passed, the asynchronous task is called to perform an asynchronous full check on the discount application information, wherein the asynchronous full check is an asynchronous check performed on other information in the discount application information except the real-time information.

3. The method according to claim 1, characterized in that The step of triggering a preset asynchronous retry mechanism to perform clearing processing on the business data includes: Based on the triggered asynchronous retry mechanism, query the asynchronous liquidation task whose task status is a failed state, and modify the error information of the asynchronous liquidation task whose task status is a failed state; When the error information is modified, the step of calling the peripheral system to perform clearing processing on the business data according to the second message table with the inspection result and the triggered asynchronous clearing task is executed again.

4. The method according to claim 1, characterized in that Before the step of triggering the preset asynchronous clearing task, the method further includes: Obtaining financial parameters in a second message table having the inspection result; Encapsulating the financial parameters into an object data structure, and storing the object data structure; The asynchronous clearing task is established based on the stored object data structure.

5. The method according to claim 1, characterized in that After the step of updating the inspection result into the second message table, the step further includes: Checking the application status and asynchronous flag of the second message table having the inspection result, wherein the asynchronous flag includes the inspection result of the general parameter and the inspection results of the real-time inspection and the asynchronous inspection; When the application status is in the pre-examination status and the asynchronous flags are all passed, a discount response message is output.

6. The method according to claim 5, characterized in that The step of triggering the asynchronous clearing task also includes: Updating the application status of the first message table having the inspection result from the pre-examination status to the cleared status; Output the cleared status.

7. A business data processing device, characterized in that: The device is arranged in a business data processing system, and the business data processing system is deployed in a distributed architecture, including: A discount application module, used for receiving an externally input discount application message for business data, determining a message universal parameter to be checked in the discount application message, and matching the message universal parameter with a historical message universal parameter in a preset cache; if there is no historical message universal parameter matching the message universal parameter, triggering a preset asynchronous task, calling a peripheral system corresponding to the asynchronous task to perform a message universal parameter check on the discount application message, updating the universal parameter check result to a preset message table, obtaining a first message table, and storing the checked message universal parameter to the cache; parsing and clearing the discount application message, obtaining the discount application information of the discount application message, storing the discount application information in the first message table, and obtaining a second message table; a discount approval module, configured to perform real-time and asynchronous checks on the discount application information in the second message table, and update the inspection results of the real-time and asynchronous checks into the second message table when both the real-time and asynchronous checks are completed; The discount settlement module is used to call the peripheral system to perform settlement processing on the business data according to the second message table with the inspection result and the triggered asynchronous settlement task if the preset asynchronous settlement task is triggered. If the settlement processing fails, the preset asynchronous retry mechanism is triggered to perform settlement processing on the business data, wherein the asynchronous retry mechanism is an asynchronous task mechanism that can be repeatedly executed after the execution of the task fails.

8. A business data processing device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the business data processing method according to any one of claims 1 to 6.

9. A medium, characterized in that The medium is a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the business data processing method according to any one of claims 1 to 6 are implemented.

10. A product, characterized in that The product is a computer program product, which includes a computer program. When the computer program is executed by a processor, the steps of the business data processing method according to any one of claims 1 to 6 are implemented.

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