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

Abstract

The invention discloses a business data processing method and device, equipment, a medium and a program product, and relates to the technical field of data processing, and the method comprises the steps: obtaining the current batch of first business data of all transaction sub-libraries when the business data of a plurality of transaction sub-libraries needs to be processed in batches, different first product groups are obtained according to the first product information group, and a first payment request instruction is sent to an advance fund institution end associated with the different first product groups; and if first text data fed back by the advance information institution end based on the first payment request instruction is received, determining first institution account information according to the first text data, and updating first business data in a transaction sub-library matched with the first text data according to the first institution account information. The data interaction is processed in batches, so that the data processing efficiency is improved. By accurately summarizing the transaction amount, when a third-party advance fund institution is paid, the third-party advance fund institution can be accurately informed of the paid amount, so that fund waste is avoided.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a business data processing method, device, equipment, medium and program product. Background Art

[0002] In recent years, the agency money fund quick redemption business has relied on the rapid development of financial technology and Internet finance and has become the key to financial institutions' services. Its immediacy and high frequency characteristics have led to the system needing to process massive transactions and facing huge concurrency pressure, which has made it inevitable to apply a distributed architecture to the quick redemption business, but it has also brought more technical challenges. In a distributed scenario, the business data processing corresponding to the quick redemption business is complex and frequent. For example, in a distributed scenario, after a transaction between two ends (such as the client and the agency end), in order for the advance payment institution to know the relevant business data that needs to be advanced (such as the advance payment amount data), the business data related to each transaction needs to be sent to the advance payment institution, which leads to too many data interactions between different devices, increasing the number of data processing times, and the huge number of data processing times will reduce the efficiency of data processing. Summary of the invention

[0003] The main purpose of this application is to provide a business data processing method, device, equipment, medium and program product, aiming to solve the technical problem of low data processing efficiency caused by too many data interactions between the agency end and the advance payment agency end.

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

[0005] When batch processing is required for business data of multiple transaction sub-databases, the first business data of all current batches of all transaction sub-databases is obtained, wherein the first business data is data determined according to the quick redemption instruction sent by the client for each transaction, and the transaction is the data interaction between the client and the agency end;

[0006] Grouping all first business data according to the first product information to obtain different first product groups, and sending first payment request instructions to the advance funding institution terminals associated with the different first product groups, wherein the first business data includes the first product information;

[0007] If the first text data is received from the advance funding institution based on the first payment request instruction, the first institution account information is determined based on the first text data, and the first business data in the transaction sub-database matching the first text data is updated based on the first institution account information.

[0008] In one embodiment, when batch processing is required for business data of multiple transaction sub-databases, before the step of obtaining all current batches of first business data of all transaction sub-databases, the method further includes:

[0009] For each transaction sub-database, obtain the first batch information contained in the latest business data in the transaction sub-database, wherein the first batch information includes the first batch expiration time;

[0010] Determine whether the current time matches the first batch expiration time;

[0011] If the current time matches the expiration time of the first batch, it is determined that the first batch identifier in the first batch information has expired, and all business data belonging to the first batch identifier will be used as the first business data of the current batch. After determining that the first batch identifier in the first batch information has expired, the new business data generated during the next transaction between the client and the advance payment institution will use the new batch identifier. Based on the new business data belonging to the new batch identifier, the following steps are executed: all the first business data will be grouped according to the first product information.

[0012] In one embodiment, after the step of determining whether the current time matches the first batch expiration time, the following step is further included:

[0013] If the current time does not match the first batch expiration time, the step of determining whether the current time matches the first batch expiration time is continued after a preset time interval.

[0014] In one embodiment, the step of determining the first institution account information according to the first text data, and updating the first business data in the transaction sub-database matching the first text data according to the first institution account information, further includes:

[0015] If the first text data includes a successful payment request result, determining the funding institution identification information in the first text data and the first funding account information corresponding to the funding institution identification information, wherein the first institution account information includes the funding institution identification information and the first funding account information;

[0016] Using the first business data in the transaction sub-database that matches the first text data as the first business data to be updated;

[0017] The institution information in the first business data to be updated is updated to match the identification information of the advance funding institution, and the account information in the first business data to be updated is updated to match the first advance funding account information.

[0018] In one embodiment, the step of determining the first institution account information according to the first text data, and updating the first business data in the transaction sub-database matching the first text data according to the first institution account information, further includes:

[0019] If the first text data includes a payment request failure result, the first business data in the transaction sub-database matching the first text data is used as the second business data to be updated;

[0020] The institution information in the second business data to be updated is updated to match the preset sales agency end identification information, and the account information in the second business data to be updated is updated to match the second advance payment account information, wherein the second advance payment account information is the advance payment account information corresponding to the sales agency end identification information.

[0021] In one embodiment, the business data processing method further includes:

[0022] When batch processing is required for business data of a single transaction sub-database, a single transaction sub-database is determined from multiple transaction sub-databases, and the second batch of information contained in the latest business data in the single transaction sub-database is obtained at a preset interval;

[0023] Determine whether the current time matches the second batch expiration time in the second batch information;

[0024] If the current time does not match the expiration time of the second batch, continue to execute the step of obtaining the second batch of information contained in the latest business data in the single transaction sub-database according to the preset interval time;

[0025] If the current time matches the second batch expiration time, it is determined that the second batch identifier in the second batch information has expired, and all business data belonging to the second batch identifier is used as the second business data;

[0026] The second business data is grouped according to the second product information to obtain different second product groups, and second payment request instructions are sent to the advance payment institution terminals associated with the different second product groups, wherein the second business data includes the second product information;

[0027] If the second text data is received from the advance payment institution based on the second payment request instruction, the second institution account information is determined according to the second text data, and the second business data in the single transaction sub-database is updated according to the second institution account information.

[0028] In addition, to achieve the above purpose, the present application also proposes a business data processing device disposed at the agency end, the agency end is connected to the client end and the advance payment agency end respectively, and the device includes:

[0029] The acquisition module, when batch processing is required for business data of multiple transaction sub-databases, acquires the first business data of all current batches of all transaction sub-databases, wherein the first business data is data determined according to the quick redemption instruction sent by the client for each transaction, and the transaction is the data interaction between the client and the agency end;

[0030] The sending module groups all the first business data according to the first product information to obtain different first product groups, and sends the first payment request instruction to the advance payment institution end associated with the different first product groups, wherein the first business data includes the first product information;

[0031] The receiving module, if receiving the first text data fed back by the advance funding institution based on the first payment request instruction, determines the first institution account information according to the first text data, and updates the first business data in the transaction sub-database matching the first text data according to the first institution account information.

[0032] In addition, to achieve the above objectives, the present application also proposes a device, which includes: 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 as described above.

[0033] In addition, to achieve the above-mentioned purpose, the present application also proposes a medium, which is a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the business data processing method as described above are implemented.

[0034] In addition, to achieve the above-mentioned purpose, the present application also provides a program product, which is a computer program product. The computer program product includes 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.

[0035] One or more technical solutions proposed in this application have at least the following technical effects:

[0036] The agency end in this application is connected to the client and the advance payment agency end respectively, and when the agency end needs to process the business data of multiple transaction sub-libraries in batches, it obtains the first business data of all current batches of all transaction sub-libraries, and the first business data is determined according to the quick redemption instruction sent by the client for each transaction. The transaction is a data interaction between the client and the agency end, which can ensure that the first business data of the current batch obtained in the transaction sub-library is closely related to each transaction. And the agency end groups all the first business data according to the first product information to obtain different first product groups, and sends the first payment request instruction to the advance payment agency end associated with the different first product groups, and the first business data includes the first product information, thereby realizing the precise request of the payment request instruction. By sending the first payment request instruction to these advance payment agency ends in batches, the agency end effectively reduces the number of interactions with the advance payment agency end, significantly shortens the data processing cycle, and improves the overall response speed and efficiency of the system.

[0037] In addition, the sales agency will receive the first text data fed back by the advance payment agency based on the first payment request instruction, determine the first agency account information based on the first text data, and update the first business data in the transaction sub-database that matches the first text data based on the first agency account information. This update process ensures the timeliness and consistency of the data, effectively avoids business risks caused by data delays or erroneous updates, further improves the accuracy and reliability of data processing, and improves data processing efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] 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.

[0039] 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.

[0040] Figure 1 This is a flowchart of the first embodiment of the business data processing method of this application;

[0041] Figure 2 A schematic diagram of the process of requesting payment in batches in a distributed scenario provided in Example 1 of the present application;

[0042] Figure 3 A schematic diagram of the process of requesting payment by batches in a single transaction sub-database scenario provided in Example 2 of the present application;

[0043] Figure 4 A schematic diagram of the process of placing an order and requesting payment in a single transaction sub-database scenario provided in Example 3 of the present application;

[0044] Figure 5 This is a schematic diagram of the module structure of the business data processing device according to an embodiment of the present application;

[0045] Figure 6 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;

[0046] 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

[0047] 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.

[0048] 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.

[0049] The data processing of the agency-sold money fund quick redemption business is a kind of business data processing. At present, when processing the data of the agency-sold money fund quick redemption business, three advance payment methods are adopted: direct advance payment by the agency, advance payment by the advance payment institution, and joint advance payment (for example, the advance payment institution advances the funds first, and if the advance payment fails, the agency will advance the funds).

[0050] Although the above three advance payment methods have met the needs of the agency money fund quick redemption business to a certain extent, each of them has certain defects: the agency advance payment is borne by the agency; if the agency advance payment amount is insufficient, the customer's quick redemption will fail; although the agency advance payment transfers the pressure, it will still fail when the agency funds are insufficient, and in order to ensure sufficient funds, more funds need to be prepared in advance, but this may cause idle funds; joint advance payment is a more preferred solution, which can reduce the risk of transaction failure due to insufficient advance payment. However, there is still room for improvement in the precise calculation of advance payment amount, reduction of system interaction costs and efficient operation of distributed environment.

[0051] Therefore, in this embodiment, a business data processing method is proposed. First, the system generates a new batch number regularly (for example, every 10 minutes). When a transaction occurs, the batch to which the transaction currently belongs is recorded. When the batch is switched, the transactions of the old batch are summarized, and a request for payment is initiated to the advance funding institution according to the summarized amount to accurately calculate the advance funding amount, and the advance funding institution does not need additional advance funding. The advance funding instruction is issued at the granularity of the batch, which can effectively reduce the number of advance funding requests and reduce the advance funding cost. The system generates a new batch number regularly (for example, every 10 minutes). When a transaction occurs, the batch to which the transaction currently belongs is recorded. When the batch is switched, the transactions of the old batch are summarized, and a request for payment is initiated to the advance funding institution according to the summarized amount. This batch-based request reduces the number of advance funding requests to reduce the system interaction cost. Secondly, when a transaction occurs, the default advance funding account is first advanced by the agency to ensure that the customer gets the redemption funds in real time. And afterwards, according to the transaction amount, an advance payment fast redemption payment instruction is initiated to the advance funding institution. After receiving the advance funding instruction, the advance funding institution completes the advance payment operation within the specified time. If the advance payment is successful, the transaction is determined to be advanced by the advance payment institution, and the advance payment amount of the agency agency is corrected; if the advance payment fails, the transaction is determined to be advanced by the agency agency's advance payment account. Through this method of advance payment by the agency agency, not only can the advance payment amount of the agency agency be reduced, but also the maximum guarantee is that the customer's quick redemption will not have insufficient advance payment balance. At the same time, this embodiment also supports the initiation of advance payment instructions in batches in distributed transaction scenarios, realizing the efficient operation of the agency money fund quick redemption business in a distributed environment.

[0052] It should be noted that the execution subject terminal of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a server, an intelligent system, a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, etc. The following takes the agency end or the agency end system (hereinafter referred to as the system) as the execution subject terminal as an example to illustrate this embodiment and the following embodiments.

[0053] 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.

[0054] In this embodiment, it is applied to the sales agency end, which is connected to the client end and the advance payment agency end respectively. The business data processing method includes steps S10 to S30:

[0055] Step S10, when batch processing is required for business data of multiple transaction sub-databases, first business data of all current batches of all transaction sub-databases are obtained, wherein the first business data is data determined according to the quick redemption instruction sent by the client for each transaction, and the transaction is data interaction between the client and the agency end;

[0056] It should be noted that the agency end refers to the terminal of the institution or enterprise responsible for selling money funds and processing redemption business, such as a bank terminal. The client end refers to the terminal responsible for initiating a quick redemption instruction. The funding institution end refers to the terminal of the institution or enterprise that provides financial support. The data interaction between the agency end and the client end and the funding institution end can be reflected in the client end sending a quick redemption instruction to the agency end, the agency end sending the business data generated by these quick redemption instructions to the funding institution end, and the agency end receiving the data returned by the funding institution end based on the first business data. The transaction sub-database is to process a large amount of business data, and is divided into multiple independent sub-databases. Each transaction sub-database processes a part of the business data, and multiple transaction sub-databases form a distributed architecture. Batch processing is to merge multiple business data within a period of time into one batch for processing to improve processing efficiency. The current batch refers to the group of business data that is currently being processed or to be processed by all transaction sub-databases when batch processing is performed on the agency end. Business data is data determined according to the quick redemption instruction sent by the client for each transaction. The first business data is business data in the scenario where multiple transaction sub-databases process data in batches.

[0057] In a distributed environment, there are multiple transaction sub-libraries, each of which processes and stores business data in real time. In this embodiment, the agency end system first determines multiple transaction sub-libraries that need to be processed in batches, such as at least two transaction sub-libraries. The business data packaged in batches by the transaction sub-libraries that need to be processed in batches are collected. If the business data of all transaction sub-libraries that need to be processed in batches have been collected, these business data are determined as the first business data, and step S20 is performed.

[0058] For example, suppose there is a large bank (sales agency) operating multiple money fund products and providing customers with quick redemption (quick redemption) services. In order to process a large amount of business data, the bank adopts a distributed database architecture to store business data in three transaction sub-databases (DB1, DB2, DB3), each of which is responsible for processing a part of the business data. The bank system detects that it is necessary to batch process the business data in multiple transaction sub-databases within a recent period of time (for example, within the past 10 minutes) to improve processing efficiency and reduce system load. The system first determines the transaction sub-databases that need to be batch processed: DB1, DB2, DB3. Each transaction sub-database processes and stores the business data generated by the quick redemption instruction initiated by the client in real time. These data include time information, batch information, transaction amount, customer ID, money fund product information, etc. The system sends a request to each transaction sub-database to collect the set of business data they are currently processing (i.e., the current batch of business data). Assuming that DB1 provides 100 quick redemption business data, DB2 provides 80, and DB3 provides 120, the system will summarize the business data collected from DB1, DB2, and DB3, confirm that these data are the first business data of the current batch, totaling 300 records, and prepare to enter step S20 for subsequent data processing.

[0059] In a feasible implementation manner, step S10 may include steps A10 to A30:

[0060] Step A10, for each transaction sub-database, obtaining the first batch information contained in the latest business data in the transaction sub-database, wherein the first batch information includes the first batch expiration time;

[0061] It should be noted that batch information can be information recorded in business data before or when business data is stored in the database, which is used to identify or describe the characteristics and status of the batch data. Each business data in each batch contains batch information, and the batch information may include a batch expiration time, wherein the batch expiration time is a timestamp indicating when all business data under the batch can be considered ready for subsequent processing. In this embodiment, when the system determines that all business data under a batch has exceeded the batch expiration time, all business data under the batch will be obtained as the first business data. The first batch information is the batch information in the scenario where multiple transaction sub-databases process data in batches, and the first batch expiration time is the batch expiration time in the scenario where multiple transaction sub-databases process data in batches.

[0062] In this embodiment, in order to optimize data processing, the agency packages transactions within a certain period of time into a batch for processing. Specifically, for the transaction sub-database that needs to be processed in batches, the latest business data can be obtained from the transaction sub-database regularly or in real time, and the first batch of information of the business data can be collected.

[0063] Step A20, determining whether the current time matches the first batch expiration time;

[0064] The system will obtain the current system time and compare the current time with the first batch expiration time obtained from the transaction sub-database. There are many ways to compare. For example, the current time and the first batch expiration time can be converted into timestamp comparison (i.e., the number of milliseconds from a fixed time point (such as January 1, 1970) to the current time), and then compare the size of the two timestamps, or format them into strings with the same format (such as yyyy-MM-dd HH:mm:ss), and then compare them in the lexicographic order of the strings. Furthermore, instead of comparing with the current time, a countdown method can be used to determine whether the business data is invalid, which is not specifically limited in this embodiment.

[0065] Step A30, if the current time matches the expiration time of the first batch, it is determined that the first batch identifier in the first batch information has expired, and all business data belonging to the first batch identifier is used as the first business data of the current batch, wherein, after determining that the first batch identifier in the first batch information has expired, the new business data generated during the next transaction between the client and the advance payment institution uses the new batch identifier, and according to the new business data belonging to the new batch identifier, the step of grouping all the first business data according to the first product information is executed.

[0066] It should be noted that the batch ID is a unique identifier used to identify a batch. The batch information in all business data under the batch contains the batch ID. The first batch ID is the batch ID in the scenario where multiple transaction sub-databases process data in batches.

[0067] If it is determined that the current time matches the first batch expiration time, the first batch identifier in the first batch information is obtained, and the identifier is marked as expired. The system will further search for all business data with the first batch identifier. These found business data are used as the first business data, which means that they are ready for subsequent processing, waiting to be obtained by the system at one time and grouped by product to initiate a request for advance payment to the advance payment institution. Further, there are many ways to determine the first business data. It can be based on the first batch identifier in the identified first batch information, find all business data belonging to the first batch identifier, and use it as the first business data, or set a queue to be processed at the beginning, put the business data received later into the queue to be processed, and when the first batch identifier is marked as expired, directly determine all business data in the queue to be processed as the first business data. After determining that the first batch identifier in the first batch information has expired, the new business data generated when the client and the advance payment institution conduct the next transaction will use the new batch identifier. After the new batch identifier expires, the new business data belonging to the new batch identifier will be grouped by product and a payment request instruction will be sent to the advance payment institution.

[0068] In a feasible implementation manner, step A20 may include step A201 after step A20:

[0069] Step A201, if the current time does not match the first batch expiration time, then continue to execute the step of determining whether the current time matches the first batch expiration time after a preset determination time interval.

[0070] It should be noted that the preset judgment time interval is the interval time of the scheduled task for judging whether the first batch identifier in the first batch information has expired, and can be customized in the system.

[0071] If it is determined that the current time matches the first batch expiration time, then after a preset judgment time interval, continue to execute step A20 to determine whether the current time matches the first batch expiration time.

[0072] In this embodiment, for the data management in the transaction sub-database, by introducing the concept of expiration time and tracking these time markers in real time, efficient management of payment requests by batches is achieved. Specifically, first, the first batch of information contained in the latest business data, including its expiration time, is obtained in real time. This step ensures the timeliness and accuracy of the data. Then, by judging the match between the current time and the expiration time, the system can automatically trigger the processing flow of the first batch of business data, thereby accurately controlling the timing of payment requests. Because the payment request method is changed from a single payment request to packaging transactions that occur within a time period into a batch, payment requests by batch significantly reduce the number of payment requests and the number of advance payments by the advance payment institution.

[0073] Step S20, grouping all first business data according to the first product information to obtain different first product groups, and sending first payment request instructions to the advance funding institution terminals associated with the different first product groups, wherein the first business data includes the first product information;

[0074] It should be noted that product information refers to the money fund product information involved in the business data, which is used to distinguish different money fund products. Product grouping is based on the product classification in the product information. The business data in each product group belongs to the same product. The first product grouping is the product grouping in the scenario where multiple transaction sub-databases process data in batches. The advance payment institution refers to the institution responsible for providing advance payment services to the agency end, which can be the advance payment institution. The payment request instruction is an instruction sent by the agency end to the advance payment institution to request advance payment, which includes the amount of advance payment required and related information. The first payment request instruction is a payment request instruction in the scenario where multiple transaction sub-databases process data in batches.

[0075] Optionally, the first product information in the first business data is grouped to form different first product groups. Subsequently, the system determines the advance payment institution end associated with each product group according to a predefined configuration or real-time query results. Next, the system generates a corresponding first payment request instruction for each product group, and sends these instructions to the corresponding advance payment institution end through an appropriate communication protocol.

[0076] Step S30: If the first text data fed back by the advance funding institution based on the first payment request instruction is received, the first institution account information is determined according to the first text data, and the first business data in the transaction sub-database matching the first text data is updated according to the first institution account information.

[0077] It should be noted that the first text data is the response data of the advance funding institution to the first payment request instruction, which may include key data such as whether the payment request is successful, relevant institution identification, account information, etc. The first text data is text data in the scenario where multiple transaction sub-databases process data in batches. The first institution account information is the institution information and account information of the successful advance funding, which is used for subsequent fund transfer and account processing. The first institution account information is the institution account information in the scenario where multiple transaction sub-databases process data in batches.

[0078] After receiving the first text data fed back by the advance funding institution based on the first payment request instruction, the system first parses this data to determine the first institution account information, which may include the information of the institution that successfully advanced funding, account details, etc. Subsequently, the system uses this information as a reference to retrieve the first business data record that matches the first text data in the transaction sub-database. Once a match is found, the system will automatically update the status of these records, such as marking them as "advance funding", and synchronously update the relevant fields to reflect the information of successful advance funding, such as institution information, account information, etc.

[0079] In a feasible implementation, step S30 may include steps B10 to B20:

[0080] Step B10, if the first text data includes a successful payment request result, determining the funding institution identification information in the first text data, and the first funding account information corresponding to the funding institution identification information, wherein the first institution account information includes the funding institution identification information and the first funding account information;

[0081] It should be noted that the identification information of the advance funding institution refers to an identifier or code that can identify the advance funding institution, which is used to identify the source of advance funding in the system. The first advance funding account information is a special account information associated with the advance funding institution for receiving and transferring advance funding funds, which may include key elements such as account number and opening bank.

[0082] After receiving the first text data fed back by the advance funding institution based on the first payment request instruction, if the data indicates that the payment request result is successful, it is determined that the advance funding institution has provided advance funding, and the payment information in the payment request result is updated to the advance funding account of the agency. The system further parses the first text data to accurately extract the advance funding institution identification information and the corresponding first advance funding account information.

[0083] Step B20, take the first business data in the transaction sub-database that matches the first text data as the first business data to be updated, update the first institution information in the first business data to be updated to match the advance payment institution identification information, and update the first account information in the first business data to be updated to match the first advance payment account information.

[0084] The system can find the first business data matching the first text data as the object to be updated (i.e., the first business data to be updated) in each transaction sub-database according to the batch information and product information contained in the first text data. Next, the system updates the first institution information in the first business data to be updated to the advance payment institution end identification information or the advance payment institution end corresponding to the advance payment institution end identification information. At the same time, the system will also update the first account information in the first business data to be updated to the first advance payment account information or the first advance payment account corresponding to the first advance payment account information.

[0085] In this embodiment, the system demonstrates significant advantages and benefits through efficient batch processing of successful payment request results on the advance funding institution side. Specifically, when the advance funding institution side successfully completes the payment request operation and feedbacks the corresponding success information, the system can respond quickly and update multiple data at one time. This process not only greatly improves the processing speed, but also ensures the accuracy and consistency of the data, thereby enhancing the efficiency and reliability of the entire financial transaction system.

[0086] In a feasible implementation, step S30 may include steps B30 to B40:

[0087] Step B30: if the first text data includes a payment request failure result, the first business data in the transaction sub-database matching the first text data is used as the second business data to be updated;

[0088] It should be noted that the sales agency identification information refers to an identifier or code that can identify the sales agency.

[0089] After receiving the first text data fed back by the advance funding institution based on the first payment request instruction, if the data indicates that the payment request result failed, it means that the advance funding of the advance funding institution failed, and it is determined to be the advance funding of the agency, and the payment information in the payment request result is updated to the advance funding account of the agency. When the system identifies a transaction record that matches the first text data, it will automatically retrieve the corresponding first business data from the corresponding transaction sub-database as the object to be updated (i.e., the second business data to be updated).

[0090] Step B40, update the institution information in the second business data to be updated to match the preset agency identification information, and update the account information in the second business data to be updated to match the second advance payment account information, wherein the second advance payment account information is the advance payment account information corresponding to the agency identification information. It should be noted that the second advance payment account information is a special account information associated with the agency end for receiving and transferring advance payment funds, which may include key elements such as account number and opening bank.

[0091] The system updates the second institution information in the second business data to be updated to the agency end corresponding to the agency end identification information or the agency end identification information. At the same time, the system also replaces the second account information in the second business data to be updated with the second advance payment account information or the second advance payment account corresponding to the second advance payment account information.

[0092] In this embodiment, when the payment request result received from the advance funding institution fails, by directly determining that the advance funding is provided by the sales agency and automatically updating business data, not only the intelligence level of the system and business processing efficiency are improved, but also the risk prevention and control capabilities and user experience are significantly enhanced.

[0093] For example, for the convenience of description, the agency system can be divided into two parts: transaction sub-database and payment application. The payment application is responsible for collecting transactions of each batch in all transaction sub-databases. After all transactions are collected, payment requests for the batch are initiated by product group. Each transaction sub-database obtains the payment request results through the payment application and updates the agency account information used in the transaction. Figure 2 , Figure 2 The following is a flow chart of requesting payment by batch in a distributed scenario: First, after executing the batch switching operation, the transaction sub-database (including transaction sub-database 1, transaction sub-database 2, and transaction sub-database 3) sends the payment request of the old batch to the payment request application. The payment request application receives payment requests (i.e., the first business data) from all transaction sub-databases. If a batch has received payment requests from all transaction sub-databases, the batch can initiate a payment request. When requesting payment, the payment request application will summarize the different groups of products and initiate a payment request to the corresponding advance payment institution for each product (such as product 1, product 2, and product 3). After receiving the request, the advance payment institution will process the advance payment and feedback the advance payment result (i.e., the first text data) to the payment request application. After receiving the advance payment result, the payment request application will determine whether the advance payment is successful. If the advance payment is successful, the transaction sub-database will determine the transaction of this batch of products as the advance payment of the designated account of the advance payment institution, and transfer the advance payment to the advance payment account of the agency that has advanced the funds to the customer in advance. If the payment request fails, the transaction of this batch is determined to be the advance payment of the advance payment account of the agency. Finally, each transaction sub-database will obtain the advance payment result of each product through the payment request application, and update the institutional account information finally used for the corresponding transaction (business data). The fund company will transfer the quick redemption principal and income to the designated account of the corresponding advance payment institution on T+1 day.

[0094] In this embodiment, a business data processing method is proposed. First, in a distributed scenario, when it is necessary to perform batch processing on the business data of multiple transaction sub-databases, after obtaining the first business data of all current batches sent by all transaction sub-databases, the first business data is grouped according to product information, and payment instructions are respectively initiated to the advance funding institution end corresponding to the product information. Each business data interaction between the institution is processed in batches, which reduces the number of data interactions, thereby shortening the data processing time and improving the interaction efficiency of the overall system. Secondly, after receiving the text data returned by the advance funding institution end, the text data is parsed to determine the institution account information, and updated to the corresponding transaction sub-database, ensuring the timeliness and consistency of the data, effectively avoiding the problem of data errors or delayed updates, and improving the accuracy and reliability of data processing. In general, the present invention ensures the consistency and accuracy of the data while improving efficiency, providing strong support for complex and changing business scenarios.

[0095] 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 introduction, and will not be described in detail later. The business data processing method includes steps C10 to C60:

[0096] Step C10, when it is necessary to perform batch processing on the business data of the single transaction sub-database, obtain the second batch information contained in the latest business data in the single transaction sub-database according to the preset interval time;

[0097] It should be noted that the second batch of information is the batch information in the scenario where data is processed in batches in a single transaction sub-database.

[0098] When the sales agency needs to perform batch processing on the business data of a single transaction sub-database, the system first identifies the single transaction sub-database, and then enters the timed polling mode. At the preset interval (such as once an hour), the system captures the latest business data in the single transaction sub-database and finds the second batch of information in the latest business data. It is worth noting that finding the latest business data is only an optimal method to determine the second batch of information. If the batch information of the second batch is recorded directly in the transaction sub-database, the required business data can also be directly queried based on the batch information.

[0099] The preset interval time can be set freely. In high-frequency trading scenarios, the system can shorten the preset interval time to capture the latest business data in real time in minutes or even seconds to ensure the timeliness and accuracy of the data. In scenarios with smaller trading volumes, the system will lengthen the preset interval time to reduce the number of unnecessary queries.

[0100] Step C20, determining whether the current time matches the second batch expiration time in the second batch information;

[0101] It should be noted that the second batch expiration time is the batch expiration time in the scenario where a single transaction sub-database processes data in batches.

[0102] Step C30: if the current time does not match the expiration time of the second batch, then continue to execute the step of obtaining the second batch of information contained in the latest business data in the single transaction sub-database at a preset interval;

[0103] If the current time does not match the expiration time of the second batch, it means that the batch of data is still valid. Therefore, the system will not immediately perform any special processing on the batch of data, but will continue to regularly retrieve and obtain the latest business data from the single transaction sub-database at the preset interval (such as every hour, every half day, etc.).

[0104] Step C40: if the current time matches the expiration time of the second batch, it is determined that the second batch identifier in the second batch information has expired, and all business data belonging to the second batch identifier is used as the second business data;

[0105] The system detects that the current time exactly matches the second batch expiration time, which means that the second batch identifier of the batch has exceeded its scheduled validity period. At this point, the system needs to perform a series of operations to process all business data belonging to the second batch identifier, namely the second business data. First, the system extracts the second batch identifier from the second batch information, which is a unique identifier used to distinguish different data batches. Then, the system uses this second batch identifier to retrieve and mark all business data belonging to the batch identifier, treating these data as second business data.

[0106] Step C50, grouping the second business data according to the second product information to obtain different second product groups, and sending second payment request instructions to the advance payment institutions associated with the different second product groups, wherein the second business data includes the second product information;

[0107] It should be noted that the second product information is product information in the scenario where a single transaction sub-database processes data in batches, the second product grouping is product grouping in the scenario where a single transaction sub-database processes data in batches, and the second payment request instruction is a payment request instruction in the scenario where a single transaction sub-database processes data in batches.

[0108] The system further processes and classifies the business data that has been determined to be invalid. The system will group according to the second product information (such as product type, product number, etc.) contained in each second business data, with the aim of merging all invalid data belonging to the same second product into the same group. After completing the grouping, the system will send the second payment request instruction to these advance payment institutions based on the advance payment institution information associated with each second product group. This instruction usually contains the specific product information that needs to be advanced, detailed information on the invalid business data, and the corresponding payment amount or requirements.

[0109] Furthermore, in order to improve efficiency and accuracy, the system can maintain a mapping table between the advance payment institution and the product information. Before sending the second payment request instruction, the system can automatically query this mapping table and quickly determine which advance payment institution each second product group should be associated with, thus avoiding manual matching or incorrect matching.

[0110] Step C60: If the second text data fed back by the advance funding institution based on the second payment request instruction is received, the second institution account information is determined according to the second text data, and the second business data in the single transaction sub-database is updated according to the second institution account information.

[0111] It should be noted that the second text data is text data in a scenario where a single transaction sub-database processes data in batches, and the second institutional account information is institutional account information in a scenario where a single transaction sub-database processes data in batches.

[0112] The system receives the second text data fed back from the advance funding institution based on the second payment request instruction sent previously. These text data may include the response information of the advance funding institution to the payment request instruction, such as whether the advance funding is successful, the advance funding amount, the advance funding conditions, and related institutional account information. The system needs to parse these text data and extract the second institution account information from them, which is the key information for subsequent fund transfer or business data update. Once the second institution account information is obtained, the system will update the second business data in the transaction sub-library that matches the second text data based on this information. The update operation may include marking these business data as being in an advance funding status, recording the advance funding amount, updating the associated account information, etc.

[0113] Furthermore, in order to let the administrator of the agency know the progress of the advance payment, the system can send a notification to the relevant parties upon receiving the confirmation information of the success or failure of the payment request. In addition, the system should also provide a tracking function, allowing the administrator to query the sending status, processing progress and final results of the payment request instruction.

[0114] For example, refer to Figure 3 , Figure 3The process diagram of requesting payment by batch in the scenario of single transaction sub-database is as follows: the system first conducts online transactions with the client. When the customer initiates a quick redemption request (i.e., a quick redemption instruction), the system accepts the request, and the default advance payment account of the agency end advances the customer and records the batch information to which the transaction (i.e., business data) belongs. At this time, an online transaction ends. Subsequently, the system will periodically obtain the current batch information (i.e., the second batch information) and its expiration time (i.e., the second batch expiration time), and check whether it has expired. If it has not expired (i.e., the current time and the second batch expiration time do not match), continue to execute the step of periodically obtaining the current batch information and its expiration time; if the transaction has expired (i.e., the current time and the second batch expiration time match), switch to a new batch, and summarize the transactions of the old batch (all business data belonging to the second batch identifier) ​​as the second business data, and initiate a request for payment (i.e., the second request for payment instruction) according to the product group. In the "advance payment processing by the advance payment agency" stage, the advance payment agency end will perform advance payment processing according to the request for payment, and feedback the advance payment result (i.e., the second text data) to the system. After the system receives the advance funding result, if the advance funding is successful, it means that the request for payment is successful. If the request for payment is successful, the transaction sub-database will determine the transactions of this batch of products as advance funding from the designated account of the advance funding institution, and at the same time transfer the advance funding to the advance funding account of the agency that has advanced funds to the customer in advance. If the request for payment fails, the transactions of this batch of products are determined as advance funding from the advance funding account of the agency. Finally, each transaction sub-database will obtain the advance funding result of each product through the request for payment application, and update the institutional account information finally used for the corresponding transaction (business data). The fund company will transfer the quick redemption principal and income to the designated account of the corresponding advance funding institution on T+1 day.

[0115] This embodiment provides an efficient and intelligent solution for the scenario of processing business data in batches in a single transaction sub-database. First, when there is a need for batch processing, the system can quickly locate the single transaction sub-database and accurately obtain the second batch information of the latest business data therein according to the preset interval time. This step ensures the timeliness and accuracy of the data, lays a solid foundation for subsequent batch processing, and enhances the response speed and data processing capabilities of the system. Subsequently, the system realizes the refined management of the life cycle of business data by intelligently judging the matching of the current time and the expiration time of the second batch. If the current time does not match, the system continues to monitor at the preset interval to avoid unnecessary waste of resources; if it matches, the second business data belonging to the expired mark is immediately determined, and the single business data is aggregated into a batch for processing, which improves the data processing efficiency. Further, the system groups the second business data according to the second product information, and automatically sends the second payment request instruction to the corresponding advance payment institution. This step not only simplifies the process of manual intervention, but also ensures the accuracy and timeliness of the payment request instruction, and enhances the efficiency and transparency of capital flow. At the same time, by receiving feedback from the advance funding institution and updating the business data in the transaction sub-database accordingly, the system realizes real-time synchronization of data status, further improves the integrity and reliability of the data, and reduces the risks that may be caused by data delays.

[0116] Based on the first and second embodiments 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 introduction and will not be described in detail later. The business data processing method includes steps D10 to D30:

[0117] Step D10, when it is necessary to perform a single processing on the business data of the single transaction sub-database, obtain the second business data based on the latest quick redemption instruction sent by the client, and store the second business data in the single transaction sub-database;

[0118] The first business data is the business data in a single transaction sub-database single-time data processing scenario.

[0119] When the system needs to perform a single processing on the business data in the single transaction sub-database, the system will obtain the corresponding second business data according to the latest quick redemption instruction sent by the client, and obtain the amount data in the second business data, and update the amount data to the account that matches the account information of the second business data. After completing these operations, the system will store these second business data in the designated single transaction sub-database for subsequent single processing operations.

[0120] Step D20, determining the advance payment institution end associated with the second business data, and sending a preset third payment request instruction to the advance payment institution end;

[0121] The third payment request instruction is a payment request instruction in a single transaction sub-database single data processing scenario.

[0122] The system needs to determine the advance payment institution end associated with the product information of the second business data based on the second business data previously obtained from the client and stored in the single transaction sub-database. Once the associated advance payment institution end is determined, the system will send a preset third payment request instruction to the institution, requesting it to provide the corresponding fund advance payment service.

[0123] Step D30: If the third text data fed back by the advance funding institution based on the third payment request instruction is received, the third institution account information is determined according to the third text data, and the second business data in the single transaction sub-database is updated according to the third institution account information.

[0124] The third text data is text data in a scenario where a single transaction sub-database processes data once, and the third institutional account information is institutional account information in a scenario where a single transaction sub-database processes data once.

[0125] The system receives the third text data fed back from the advance payment institution based on the third payment request instruction sent previously, parses the text data, and determines the account information of the third institution. The system will update the second business data in the single transaction sub-database based on this information. The parsing process refers to steps B10 and B20, which will not be repeated here. It is worth noting that only the single transaction sub-database is updated here, and there is no need to consider the situation of multiple sub-databases.

[0126] For example, refer to Figure 4 , Figure 4 Schematic diagram of the process of placing an order for a single transaction and requesting payment for a database-based scenario: During the online transaction process, when a customer initiates a quick redemption request (i.e., a quick redemption instruction), the system will first accept the request, and the agency will give the customer the quick redemption payment from the internal advance payment account in real time. That is, advance payment is made through the internal advance payment account so that the customer can get the redemption payment immediately after the transaction. After that, the online transaction ends, and the system uses the second business data generated by the quick redemption request to initiate a advance payment request (i.e., the third payment request instruction) to the advance payment agency. After receiving the request, the advance payment agency performs the advance payment processing, and the system then receives the advance payment result (i.e., the third text data). If the advance payment is successful, the system will determine that the transaction is advanced by the account designated by the advance payment agency, and transfer the advance payment to the account designated by the agency; if the advance payment fails, the system will determine that the transaction is advanced by the account designated by the agency. Finally, the system will save the specific institutional end of the transaction (the agency end or the funding institution end) and the relevant funding account information (i.e. the third-party institution account information). The fund company will transfer the quick redemption principal and income to the corresponding designated account of the funding institution end on T+1.

[0127] In this embodiment, when the sales agency needs to process the transaction sub-database business data once, the present invention effectively improves processing efficiency, reduces human errors, and enhances the transparency of fund flow and the level of intelligent management by automatically responding to quick redemption instructions, accurately acquiring and storing data, intelligently matching the advance payment agency and sending payment instructions, and updating business data in real time.

[0128] It should be noted that, under the condition that the technology is feasible and the logic is clear, the above embodiments can be combined in pairs or in multiple combinations.

[0129] 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.

[0130] The present application also provides a business data processing device arranged at the agency end, which is connected to the client end and the advance payment agency end respectively. Figure 5 , the business data processing device comprises:

[0131] The acquisition module, when batch processing is required for business data of multiple transaction sub-databases, acquires the first business data of all current batches of all transaction sub-databases, wherein the first business data is data determined according to the quick redemption instruction sent by the client for each transaction, and the transaction is the data interaction between the client and the agency end;

[0132] The sending module groups all the first business data according to the first product information to obtain different first product groups, and sends the first payment request instruction to the advance payment institution end associated with the different first product groups, wherein the first business data includes the first product information;

[0133] The receiving module, if receiving the first text data fed back by the advance funding institution based on the first payment request instruction, determines the first institution account information according to the first text data, and updates the first business data in the transaction sub-database matching the first text data according to the first institution account information.

[0134] 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 data processing efficiency caused by too many data interactions between the agency agency and the advance payment agency. 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.

[0135] 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.

[0136] Reference below Figure 6 , which shows a schematic diagram of the structure of a business data processing device suitable for implementing the 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: tablet computers), PMPs (Portable Media Players: portable multimedia players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 6 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.

[0137] like Figure 6As 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.

[0138] 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.

[0139] 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 data processing efficiency caused by too many data interactions between the agency agency and the advance payment agency. 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.

[0140] 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.

[0141] 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.

[0142] The present application provides a medium, which is a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the business data processing method in the above-mentioned embodiment.

[0143] 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.

[0144] 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.

[0145] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the business data processing device, the business data processing device:

[0146] When batch processing is required for business data of multiple transaction sub-databases, the first business data of all current batches of all transaction sub-databases is obtained, wherein the first business data is data determined according to the quick redemption instruction sent by the client for each transaction, and the transaction is the data interaction between the client and the agency end;

[0147] Grouping all first business data according to the first product information to obtain different first product groups, and sending first payment request instructions to the advance funding institution terminals associated with the different first product groups, wherein the first business data includes the first product information;

[0148] If the first text data is received from the advance funding institution based on the first payment request instruction, the first institution account information is determined based on the first text data, and the first business data in the transaction sub-database matching the first text data is updated based on the first institution account information.

[0149] 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).

[0150] The flow chart and block diagram in the accompanying drawings illustrate the system architecture, function and operation that can be realized according to the system, method and computer program product of 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 implementations as replacements, 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.

[0151] 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.

[0152] The readable storage medium provided by the present 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 data processing efficiency caused by too many data interactions between the agency agency and the advance payment agency. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the business data processing method provided by the above-mentioned embodiment, and will not be repeated here.

[0153] The present application also provides a program 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.

[0154] The computer program product provided by this application can solve the technical problem of low data processing efficiency caused by too many data interactions between the agency and the advance payment agency. 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.

[0155] 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: Applied to the agency end, the agency end is connected to the client end and the advance payment end, and the business data processing method includes: When batch processing is required for business data of multiple transaction sub-databases, first business data of all current batches of all transaction sub-databases are obtained, wherein the first business data is data determined according to the quick redemption instruction sent by the client for each transaction, and the transaction is data interaction between the client and the agency end; Grouping all the first business data according to the first product information to obtain different first product groups, and sending first payment request instructions to the advance funding institution terminals associated with the different first product groups, wherein the first business data includes the first product information; If the first text data is received from the advance payment institution based on the first payment request instruction, the first institution account information is determined based on the first text data, and the first business data in the transaction sub-database matching the first text data is updated based on the first institution account information.

2. The business data processing method according to claim 1, characterized in that: When batch processing is required for the business data of multiple transaction sub-databases, before the step of obtaining all the first business data of the current batch of all the transaction sub-databases, the step further includes: For each transaction sub-database, obtain the first batch information contained in the latest business data in the transaction sub-database, wherein the first batch information includes the first batch expiration time; Determine whether the current time matches the expiration time of the first batch; If the current time matches the expiration time of the first batch, it is determined that the first batch identifier in the first batch information has expired, and all business data belonging to the first batch identifier will be used as the first business data of the current batch. After determining that the first batch identifier in the first batch information has expired, the new business data generated during the next transaction between the client and the advance payment institution will use the new batch identifier. Based on the new business data belonging to the new batch identifier, the steps are executed: all the first business data will be grouped according to the first product information.

3. The business data processing method according to claim 2, after the step of determining whether the current time matches the first batch expiration time, further comprising: If the current time does not match the first batch expiration time, the step of determining whether the current time matches the first batch expiration time is continued after a preset determination time interval.

4. The business data processing method according to claim 1, characterized in that: The step of determining the first institution account information according to the first text data, and updating the first business data in the transaction sub-database matching the first text data according to the first institution account information, further includes: If the first text data includes a successful payment request result, determining the funding institution identification information in the first text data and the first funding account information corresponding to the funding institution identification information, wherein the first institution account information includes the funding institution identification information and the first funding account information; Using the first business data in the transaction sub-database that matches the first text data as the first business data to be updated; The institution information in the first business data to be updated is updated to match the identification information of the advance funding institution, and the account information in the first business data to be updated is updated to match the first advance funding account information.

5. The business data processing method according to claim 1, characterized in that: The step of determining the first institution account information according to the first text data, and updating the first business data in the transaction sub-database matching the first text data according to the first institution account information, further includes: If the first text data includes a payment request failure result, the first business data in the transaction sub-database matching the first text data is used as the second business data to be updated; The institution information in the second business data to be updated is updated to match the preset sales agency end identification information, and the account information in the second business data to be updated is updated to match the second advance payment account information, wherein the second advance payment account information is the advance payment account information corresponding to the sales agency end identification information.

6. The business data processing method according to claim 1, further comprising: When it is necessary to perform batch processing on the business data of the single transaction sub-database, obtaining the second batch of information contained in the latest business data in the single transaction sub-database at a preset interval; Determining whether the current time matches the second batch expiration time in the second batch information; If the current time and the second batch expiration time do not match, continue to execute the step of obtaining the second batch of information contained in the latest business data in the single transaction sub-database at a preset interval; If the current time matches the expiration time of the second batch, it is determined that the second batch identifier in the second batch information has expired, and all business data belonging to the second batch identifier is used as the second business data; The second business data is grouped according to the second product information to obtain different second product groups, and second payment request instructions are sent to the advance payment institution terminals associated with the different second product groups, wherein the second business data includes the second product information; If the second text data fed back by the advance payment institution based on the second payment request instruction is received, the second institution account information is determined according to the second text data, and the second business data in the single transaction sub-database is updated according to the second institution account information.

7. A business data processing device, characterized in that: The business data processing device is arranged at the agency end, and the agency end is connected to the client end and the advance payment agency end respectively, and includes: An acquisition module, when batch processing is required for business data of multiple transaction sub-databases, acquires first business data of all current batches of all transaction sub-databases, wherein the first business data is data determined according to a quick redemption instruction sent by the client for each transaction, and the transaction is a data interaction between the client and the agency end; The sending module groups all the first business data according to the first product information to obtain different first product groups, and sends the first payment request instruction to the advance payment institution end associated with the different first product groups, wherein the first business data includes the first product information; The receiving module, if receiving the first text data fed back by the advance payment institution based on the first payment request instruction, determines the first institution account information according to the first text data, and updates the first business data in the transaction sub-database matching the first text data according to the first institution account information.

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 program product, characterized in that The program 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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