Account business handling method and device and business system

Abstract

The invention provides an account business handling method and device and a business system, and the method comprises the steps: obtaining a target impact factor corresponding to a current business transaction, the target impact factor being one or more of a plurality of impact factors, and the impact factors at least comprising a transaction channel, a transaction currency and an account state; determining an influence factor value of each target influence factor according to the transaction scene of the current business transaction, and forming a unique factor check item by the influence factor values of the target influence factors; according to a factor check item mapping relation, determining a business check result corresponding to a unique factor check item, the factor check item mapping relation being a mapping relation between factor check items corresponding to different transaction scenes of different business transactions and the business check result, and the business check result including transaction permission and transaction dispermission; and the current business transaction is handled according to the business check result. The problem of high development workload of account state check of business transaction in the prior art is solved.

Description

Technical Field

[0001] The present invention relates to the field of business processing technology, and in particular to an account business processing method, device, computer-readable storage medium, computer program product and business system. Background Art

[0002] The existing financial account status check basically adopts a less flexible processing method. Different transactions, transaction channels, transaction currencies, etc. use different branch code logics to make judgments and processes based on different values ​​when implementing account status checks. For example, if there are three transaction channels and ten transaction currencies, it is necessary to develop 30 branch code logics for account status checks for judgment and processing. This not only requires high development costs, but logic modifications can easily cause logic confusion, and subsequent maintenance costs are greatly increased, which is not conducive to adapting to business development. Summary of the invention

[0003] The main purpose of the present application is to provide an account business processing method, device, computer-readable storage medium, computer program product and business system to at least solve the problem of high development workload of account status checking in business processing in the prior art.

[0004] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for handling account business is provided, including: obtaining a target influencing factor corresponding to a current business transaction, the target influencing factor being one or more of a plurality of influencing factors, the influencing factors including at least a transaction channel, a transaction currency and an account status; determining an influencing factor value of each of the target influencing factors according to a transaction scenario of the current business transaction, and forming a unique factor check item with the influencing factor values ​​of each of the target influencing factors; determining a business check result corresponding to the unique factor check item according to a factor check item mapping relationship, the factor check item mapping relationship being a mapping relationship between factor check items corresponding to different transaction scenarios of different business transactions and the business check results, the business check results including allowing handling and not allowing handling; handling the current business transaction according to the business check result.

[0005] Optionally, before determining the impact factor value of each target impact factor according to the transaction scenario of the current business transaction, the method further includes: setting the impact factor value for different types of each impact factor, one impact factor corresponds to multiple impact factor values, and one type of an impact factor corresponds to one impact factor value.

[0006] Optionally, the impact factor value is set for different types of the impact factors, including: when the transaction channels include counter processing, ATM processing and mobile phone processing, the impact factor value of the counter processing of the transaction channel is set to 0, the impact factor value of the ATM processing of the transaction channel is set to 1, and the impact factor value of the mobile phone processing of the transaction channel is set to 2; when the transaction currencies include a first currency, a second currency, a third currency, a fourth currency and a fifth currency, the impact factor value of the first currency is set to 0, the impact factor value of the second currency is set to 1, the impact factor value of the third currency is set to 2, the impact factor value of the fourth currency is set to 3, and the impact factor value of the fifth currency is set to 4; when the account status includes a reported loss status and a not reported loss status, the impact factor value of the reported loss status is set to 0, and the impact factor value of the not reported loss status is set to 1.

[0007] Optionally, the influence factor value of each target influence factor is determined according to the transaction scenario of the current business transaction, and the influence factor value of each target influence factor is combined into a unique factor check item, including: when the transaction channel corresponding to the transaction scenario of the current business transaction is the counter processing, the corresponding transaction currency is the third currency and the corresponding account status is the reported lost status, determine that the influence factor value of the transaction channel is 0, the influence factor value of the transaction currency is 2 and the influence factor value of the account status is 0; combine the influence factor value of the transaction channel, the influence factor value of the transaction currency and the influence factor value of the account status into 020 to obtain the unique factor check item.

[0008] Optionally, the method also includes: in the case of conducting new business transactions, determining the influencing factors corresponding to each of the new business transactions; determining the factor inspection items corresponding to different transaction scenarios of each of the new business transactions to obtain multiple new factor inspection items; determining the business inspection results corresponding to the multiple new factor inspection items; and updating the multiple new factor inspection items and the corresponding business inspection results to the factor inspection item mapping relationship.

[0009] Optionally, the method further includes: when a transaction rule of the business transaction changes, modifying the business check result of the factor check item corresponding to the business transaction.

[0010] According to another aspect of the present application, an account business processing device is provided, including: an acquisition unit, used to acquire a target influencing factor corresponding to a current business transaction, the target influencing factor being one or more of a plurality of influencing factors, the influencing factors including at least a transaction channel, a transaction currency and an account status; a first determination unit, used to determine an influencing factor value of each of the target influencing factors according to a transaction scenario of the current business transaction, and to form a unique factor check item with the influencing factor values ​​of each of the target influencing factors; a second determination unit, used to determine a business check result corresponding to the unique factor check item according to a factor check item mapping relationship, the factor check item mapping relationship being a mapping relationship between factor check items corresponding to different transaction scenarios of different business transactions and the business check results, the business check results including allowing processing and not allowing processing; a processing unit, used to process the current business transaction according to the business check result.

[0011] According to another aspect of the present application, a computer-readable storage medium is provided, wherein the computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute any one of the methods described.

[0012] According to another aspect of the present application, a computer program product is provided, comprising a computer program, wherein when the computer program is executed by a processor, any one of the methods described above is implemented.

[0013] According to another aspect of the present application, a business system is provided, comprising: one or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include means for executing any one of the methods described.

[0014] By applying the technical solution of the present application, the above-mentioned account business processing method forms factor inspection items with the influencing factor values ​​of the influencing factors of each business transaction. The influencing factor values ​​are different in different transaction scenarios of the business transaction. For example, the influencing factor value of counter processing is 0, and the influencing factor value of ATM processing is 1. Different transaction scenarios of different business transactions form multiple factor inspection items. The business transaction and transaction scenario corresponding to each factor inspection item are judged whether to allow processing, and the corresponding business inspection result is obtained, thereby establishing a factor inspection item mapping relationship. The business inspection result in the transaction scenario corresponding to the current business transaction can be determined according to the factor inspection item mapping relationship. If processing is allowed, the current business transaction is processed; if processing is not allowed, the current business transaction is informed that processing is not allowed. There is no need to develop multiple branch code logics for different transaction scenarios of different business transactions, which greatly reduces the development workload and solves the problem of high development workload of account status check for business processing in the prior art. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] Figure 1 A hardware structure block diagram of a mobile terminal for executing an account service handling method provided in an embodiment of the present application is shown;

[0016] Figure 2 A schematic diagram of a flow chart of an account service handling method provided according to an embodiment of the present application is shown;

[0017] Figure 3 A structural block diagram of an account service processing device provided according to an embodiment of the present application is shown.

[0018] The above drawings include the following reference numerals:

[0019] 102, processor; 104, memory; 106, transmission device; 108, input and output devices. DETAILED DESCRIPTION

[0020] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0021] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0022] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0023] For the convenience of description, some nouns or terms involved in the embodiments of the present application are explained below:

[0024] Business transactions: business transactions between customers and financial institutions based on their own needs, such as customers depositing money or withdrawing money from a bank.

[0025] Influencing factors: Factors that affect the success of a transaction when a customer makes a transaction in a financial institution, such as transaction channels, transaction currencies, etc.

[0026] Factor sequence number: All factors that affect the success of a transaction are sorted in order to facilitate the standardization of factors in all transaction scenarios.

[0027] Suspension of non-counter transactions: The customer’s financial account is prohibited from non-counter transactions, and the customer can only handle transactions at the counter. For example, after the non-counter transactions are suspended, the customer can no longer make transactions through the mobile phone and can only handle transactions at the counter.

[0028] As introduced in the background technology, the development workload of account status checking for business processing in the prior art is high. To solve this technical problem, the embodiments of the present application provide an account business processing method, device, computer-readable storage medium, computer program product and business system.

[0029] The technical solutions in the embodiments of the present invention will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present invention.

[0030] The method embodiments provided in the embodiments of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Taking running on a mobile terminal as an example, Figure 1 FIG. 1 is a hardware structure block diagram of a mobile terminal of an account service handling method according to an embodiment of the present invention. Figure 1 As shown, the mobile terminal may include one or more ( Figure 1 Only one is shown in the figure) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data, wherein the mobile terminal may also include a transmission device 106 and an input / output device 108 for communication functions. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the mobile terminal. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0031] The memory 104 can be used to store computer programs, for example, software programs and modules of application software, such as the computer program corresponding to the account business handling method in the embodiment of the present invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, the above method is implemented. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories can be connected to the mobile terminal via a network. Examples of the above-mentioned network include but are not limited to the Internet, corporate intranets, local area networks, mobile communication networks and combinations thereof. The transmission device 106 is used to receive or send data via a network. The above-mentioned specific examples of the network may include a wireless network provided by a communication provider of the mobile terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, referred to as NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 may be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0032] In this embodiment, a method for handling account business operations running on a mobile terminal, a computer terminal or a similar computing device is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0033] Figure 2 Flowchart of the account service handling method according to the embodiment of the present application. Figure 2 As shown, the method comprises the following steps:

[0034] Step S201, obtaining a target impact factor corresponding to the current business transaction, where the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include transaction channel, transaction currency, and account status;

[0035] Step S202, determining the impact factor value of each of the above target impact factors according to the transaction scenario of the above current business transaction, and forming the impact factor value of each of the above target impact factors into a unique factor check item;

[0036] Step S203, determining the business inspection result corresponding to the unique factor inspection item according to the factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between the factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, and the business inspection results include permission to process and non-permission to process;

[0037] Step S204: Process the current business transaction according to the business inspection result.

[0038] The above-mentioned account business processing method forms factor inspection items with the influencing factor values ​​of the influencing factors of each business transaction. The influencing factor values ​​are different in different transaction scenarios of business transactions. For example, the influencing factor value of counter processing is 0, and the influencing factor value of ATM processing is 1. Different transaction scenarios of different business transactions form multiple factor inspection items. The business transaction and transaction scenario corresponding to each factor inspection item are judged whether to allow processing, and the corresponding business inspection result is obtained, thereby establishing a factor inspection item mapping relationship. The business inspection result in the transaction scenario corresponding to the current business transaction can be determined according to the factor inspection item mapping relationship. If processing is allowed, the current business transaction is processed; if processing is not allowed, the current business transaction is not allowed to be processed. There is no need to develop multiple branch code logics for different transaction scenarios of different business transactions, which greatly reduces the development workload and solves the problem of high development workload of account status check for business processing in the prior art.

[0039] For the convenience of recording, in an optional implementation manner, before determining the impact factor value of each of the above target impact factors according to the transaction scenario of the above current business transaction, the above method further includes:

[0040] Step S301 : setting the impact factor value for different types of the impact factors, one impact factor corresponds to a plurality of impact factor values, and one type of an impact factor corresponds to one impact factor value.

[0041] In the above implementation, financial business transactions and influencing factors involved in the transactions are identified, and the serial positions of the influencing factors in a string of characters are specified for permutation and combination; conversion rules for different influencing factor values ​​in different scenarios are configured, and adaptive conversion configuration can be performed according to one's own needs to improve the convenience of implementation and reduce the error rate.

[0042] In order to set the impact factor value, in an optional implementation, the above step S301 includes:

[0043] Step S3011, when the transaction channels include counter handling, ATM handling and mobile phone handling, the impact factor value of the counter handling of the transaction channel is set to 0, the impact factor value of the ATM handling of the transaction channel is set to 1, and the impact factor value of the mobile phone handling of the transaction channel is set to 2;

[0044] Step S3012, when the transaction currencies include the first currency, the second currency, the third currency, the fourth currency and the fifth currency, the impact factor value of the first currency is set to 0, the impact factor value of the second currency is set to 1, the impact factor value of the third currency is set to 2, the impact factor value of the fourth currency is set to 3, and the impact factor value of the fifth currency is set to 4;

[0045] Step S3013, when the account status includes a reported loss status and a not reported loss status, the impact factor value of the reported loss status is set to 0, and the impact factor value of the not reported loss status is set to 1.

[0046] In the above implementation, the corresponding impact factor values ​​are set in sequence according to the types of impact factors. For example, if there are five transaction currencies, the impact factor values ​​corresponding to the first currency, the second currency, the third currency, the fourth currency and the fifth currency are 0, 1, 2, 3, and 4 respectively. The setting method of other impact factors is similar.

[0047] In order to determine the unique factor check item of the current business transaction, in an optional implementation, the above step S202 includes:

[0048] Step S2021, when the transaction channel corresponding to the transaction scenario of the current business transaction is the counter handling, the corresponding transaction currency is the third currency, and the corresponding account status is the reported loss status, determine that the impact factor value of the transaction channel is 0, the impact factor value of the transaction currency is 2, and the impact factor value of the account status is 0;

[0049] Step S2022, the influencing factor value of the transaction channel, the influencing factor value of the transaction currency, and the influencing factor value of the account status are combined into 020 to obtain the unique factor check item.

[0050] In the above implementation, the converted factor values ​​are combined according to the position sequence number of the influencing factors, and the string formed after the combination is the unique factor check item corresponding to the business scenario. Taking the bank's high-frequency business account transfer as an example, the counter and ATM are different transaction channels, and suspension of non-counter, freezing, and stop payment are different account states, and transfer-in account and transfer-out account are different transaction directions. The influencing factors such as the initiation channel, transaction type, and deposit and withdrawal direction can be converted into different factor check items, and different factor check items can be associated with different transaction scenarios, so that when the counter initiates a transfer transaction, the non-counter state account transaction is successfully suspended, and when the ATM channel initiates a transfer transaction, the non-counter state account transaction fails. Such personalized account status verification can be achieved. The above-mentioned transaction channel corresponding to the current business transaction is the above-mentioned counter handling, the corresponding above-mentioned transaction currency is the above-mentioned third currency, and the corresponding above-mentioned account status is the above-mentioned loss report status, then the unique factor check item is 020.

[0051] In order to facilitate modification and development of new business transactions, in an optional implementation, the above method further includes:

[0052] Step S401, in the case of carrying out new business transactions, determining the impact factors corresponding to each of the above new business transactions;

[0053] Step S402, determining factor check items corresponding to different transaction scenarios of each of the above new business transactions, and obtaining multiple new factor check items;

[0054] Step S403, determining the service inspection results corresponding to the plurality of new factor inspection items;

[0055] Step S404: Update the multiple new factor inspection items and the corresponding service inspection results to the factor inspection item mapping relationship.

[0056] In the above implementation, new business transactions are carried out, and the influencing factors corresponding to the new business are determined, thereby adding new factor inspection items, determining the above business inspection results corresponding to the new factor inspection items, and updating the factor inspection item mapping relationship. The addition of business scenarios and the adjustment of account status control rules do not require changes to the code logic, and can be done by adding or modifying configuration information, which is simple and convenient.

[0057] In order to achieve flexible adjustment, in an optional implementation manner, the method further includes:

[0058] Step S501, when the transaction rules of the business transaction are changed, modify the business check result of the factor check item corresponding to the business transaction.

[0059] In the above implementation, the transaction rules of the business transaction are changed. For example, the factor check item is 020, which originally allowed counter processing, but is now changed to not allowing counter processing. The business inspection result corresponding to the factor check item 020 can be directly modified. Through flexible configuration, business effects can be achieved, rapid business innovation can be supported, and customers' personalized, differentiated, and customized development capabilities and response speeds can be met, thus supporting business development better and faster.

[0060] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0061] The embodiment of the present application also provides an account business processing device. It should be noted that the account business processing device of the embodiment of the present application can be used to execute the account business processing method provided by the embodiment of the present application. The device is used to implement the above-mentioned embodiments and preferred implementation modes, and the descriptions that have been made will not be repeated. As used below, the term "module" can implement a combination of software and / or hardware for a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0062] The following is an introduction to the account service processing device provided in the embodiment of the present application.

[0063] Figure 3 is a structural block diagram of an account service handling device according to an embodiment of the present application. Figure 3 As shown, the device comprises:

[0064] An acquisition unit 10 is used to acquire a target impact factor corresponding to the current business transaction, where the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include a transaction channel, a transaction currency, and an account status;

[0065] A first determination unit 20 is used to determine the impact factor value of each of the above target impact factors according to the transaction scenario of the above current business transaction, and to form a unique factor check item with the impact factor value of each of the above target impact factors;

[0066] A second determining unit 30 is used to determine a business inspection result corresponding to the unique factor inspection item according to a factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, wherein the business inspection results include permission to process and non-permission to process;

[0067] The processing unit 40 is used to process the current business transaction according to the business inspection result.

[0068] The above-mentioned account business processing device forms factor inspection items with the influencing factor values ​​of the influencing factors of each business transaction. The influencing factor values ​​are different in different transaction scenarios of the business transaction. For example, the influencing factor value of counter processing is 0, and the influencing factor value of ATM processing is 1. Different transaction scenarios of different business transactions form multiple factor inspection items. The business transaction and transaction scenario corresponding to each factor inspection item are judged whether to allow processing, and the corresponding business inspection result is obtained, thereby establishing a factor inspection item mapping relationship. The business inspection result in the transaction scenario corresponding to the current business transaction can be determined according to the factor inspection item mapping relationship. If processing is allowed, the current business transaction is processed; if processing is not allowed, the current business transaction is not allowed to be processed. There is no need to develop multiple branch code logics for different transaction scenarios of different business transactions, which greatly reduces the development workload and solves the problem of high development workload of account status check for business processing in the prior art.

[0069] For the convenience of recording, in an optional implementation, the above device further includes:

[0070] The setting unit is used to set the above-mentioned influence factor values ​​for different types of each of the above-mentioned influence factors before determining the influence factor values ​​of each of the above-mentioned target influence factors according to the transaction scenario of the above-mentioned current business transaction, one above-mentioned influence factor corresponds to multiple above-mentioned influence factor values, and one type of one above-mentioned influence factor corresponds to one above-mentioned influence factor value.

[0071] In the above implementation, financial business transactions and influencing factors involved in the transactions are identified, and the serial positions of the influencing factors in a string of characters are specified for permutation and combination; conversion rules for different influencing factor values ​​in different scenarios are configured, and adaptive conversion configuration can be performed according to one's own needs to improve the convenience of implementation and reduce the error rate.

[0072] In order to set the impact factor value, in an optional implementation manner, the second determining unit includes:

[0073] A first setting module is used for, when the transaction channels include counter handling, ATM handling and mobile phone handling, setting the impact factor value of the counter handling of the transaction channel to 0, setting the impact factor value of the ATM handling of the transaction channel to 1, and setting the impact factor value of the mobile phone handling of the transaction channel to 2;

[0074] A second setting module is used for, when the transaction currencies include a first currency, a second currency, a third currency, a fourth currency and a fifth currency, setting the impact factor value of the first currency to 0, setting the impact factor value of the second currency to 1, setting the impact factor value of the third currency to 2, setting the impact factor value of the fourth currency to 3, and setting the impact factor value of the fifth currency to 4;

[0075] The third setting module is used to set the impact factor value of the reported loss state to 0 and the impact factor value of the non-reported loss state to 1 when the account status includes a reported loss state and a non-reported loss state.

[0076] In the above implementation, the corresponding impact factor values ​​are set in sequence according to the types of impact factors. For example, if there are five transaction currencies, the impact factor values ​​corresponding to the first currency, the second currency, the third currency, the fourth currency and the fifth currency are 0, 1, 2, 3, and 4 respectively. The setting method of other impact factors is similar.

[0077] In order to determine the unique factor check item of the current business transaction, in an optional implementation manner, the first determination unit includes:

[0078] A first determination module is used to determine that the impact factor value of the transaction channel is 0, the impact factor value of the transaction currency is 2, and the impact factor value of the account status is 0 when the transaction channel corresponding to the transaction scenario of the current business transaction is the counter handling, the corresponding transaction currency is the third currency, and the corresponding account status is the reported loss status;

[0079] The second determination module is used to combine the influencing factor value of the transaction channel, the influencing factor value of the transaction currency and the influencing factor value of the account status into 020 to obtain the unique factor check item.

[0080] In the above implementation, the converted factor values ​​are combined according to the position sequence number of the influencing factors, and the string formed after the combination is the unique factor check item corresponding to the business scenario. Taking the bank's high-frequency business account transfer as an example, the counter and ATM are different transaction channels, and suspension of non-counter, freezing, and stop payment are different account states, and transfer-in account and transfer-out account are different transaction directions. The influencing factors such as the initiation channel, transaction type, and deposit and withdrawal direction can be converted into different factor check items, and different factor check items can be associated with different transaction scenarios, so that when the counter initiates a transfer transaction, the non-counter state account transaction is successfully suspended, and when the ATM channel initiates a transfer transaction, the non-counter state account transaction fails. Such personalized account status verification can be achieved. The above-mentioned transaction channel corresponding to the current business transaction is the above-mentioned counter handling, the corresponding above-mentioned transaction currency is the above-mentioned third currency, and the corresponding above-mentioned account status is the above-mentioned loss report status, then the unique factor check item is 020.

[0081] In order to facilitate modification and development of new business transactions, in an optional implementation, the above-mentioned device further includes:

[0082] A third determining unit is used to determine the impact factor corresponding to each of the above new business transactions when conducting new business transactions;

[0083] A fourth determining unit is used to determine factor check items corresponding to different transaction scenarios of each of the above new business transactions to obtain multiple new factor check items;

[0084] A fifth determining unit, configured to determine the service inspection results corresponding to the plurality of new factor inspection items;

[0085] An updating unit is used to update the multiple new factor inspection items and the corresponding service inspection results to the factor inspection item mapping relationship.

[0086] In the above implementation, new business transactions are carried out, and the influencing factors corresponding to the new business are determined, thereby adding new factor inspection items, determining the above business inspection results corresponding to the new factor inspection items, and updating the factor inspection item mapping relationship. The addition of business scenarios and the adjustment of account status control rules do not require changes to the code logic, and can be done by adding or modifying configuration information, which is simple and convenient.

[0087] In order to achieve flexible adjustment, in an optional implementation manner, the above device further includes:

[0088] The modification unit is used to modify the business inspection result of the factor inspection item corresponding to the business transaction when the transaction rule of the business transaction changes.

[0089] In the above implementation, the transaction rules of the business transaction are changed. For example, the factor check item is 020, which originally allowed counter processing, but is now changed to not allowing counter processing. The business inspection result corresponding to the factor check item 020 can be directly modified. Through flexible configuration, business effects can be achieved, rapid business innovation can be supported, and customers' personalized, differentiated, and customized development capabilities and response speeds can be met, thus supporting business development better and faster.

[0090] The above-mentioned account business handling device includes a processor and a memory, and the above-mentioned acquisition unit, the first determination unit, the second determination unit and the processing unit are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize the corresponding functions. The above-mentioned modules are all located in the same processor; or, the above-mentioned modules are located in different processors in any combination.

[0091] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the problem of high development workload of account status check in business handling in the prior art can be solved by adjusting kernel parameters.

[0092] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0093] An embodiment of the present invention provides a computer-readable storage medium, wherein the computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute the account service handling method.

[0094] Specifically, the account business handling methods include:

[0095] Step S201, obtaining a target impact factor corresponding to the current business transaction, where the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include transaction channel, transaction currency, and account status;

[0096] Step S202, determining the impact factor value of each of the above target impact factors according to the transaction scenario of the above current business transaction, and forming the impact factor value of each of the above target impact factors into a unique factor check item;

[0097] Step S203, determining the business inspection result corresponding to the unique factor inspection item according to the factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between the factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, and the business inspection results include permission to process and non-permission to process;

[0098] Step S204: Process the current business transaction according to the business inspection result.

[0099] An embodiment of the present invention provides a processor, and the processor is used to run a program, wherein the account business handling method is executed when the program is running.

[0100] Specifically, the account business handling methods include:

[0101] Step S201, obtaining a target impact factor corresponding to the current business transaction, where the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include transaction channel, transaction currency, and account status;

[0102] Step S202, determining the impact factor value of each of the above target impact factors according to the transaction scenario of the above current business transaction, and forming the impact factor value of each of the above target impact factors into a unique factor check item;

[0103] Step S203, determining the business inspection result corresponding to the unique factor inspection item according to the factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between the factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, and the business inspection results include permission to process and non-permission to process;

[0104] Step S204: Process the current business transaction according to the business inspection result.

[0105] An embodiment of the present invention provides a business system, the business system includes a processor, a memory, and a program stored in the memory and executable on the processor, and when the processor executes the program, at least the following steps are implemented:

[0106] Step S201, obtaining a target impact factor corresponding to the current business transaction, where the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include transaction channel, transaction currency, and account status;

[0107] Step S202, determining the impact factor value of each of the above target impact factors according to the transaction scenario of the above current business transaction, and forming the impact factor value of each of the above target impact factors into a unique factor check item;

[0108] Step S203, determining the business inspection result corresponding to the unique factor inspection item according to the factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between the factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, and the business inspection results include permission to process and non-permission to process;

[0109] Step S204: Process the current business transaction according to the business inspection result.

[0110] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing a program for initializing at least the following method steps:

[0111] Step S201, obtaining a target impact factor corresponding to the current business transaction, where the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include transaction channel, transaction currency, and account status;

[0112] Step S202, determining the impact factor value of each of the above target impact factors according to the transaction scenario of the above current business transaction, and forming the impact factor value of each of the above target impact factors into a unique factor check item;

[0113] Step S203, determining the business inspection result corresponding to the unique factor inspection item according to the factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between the factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, and the business inspection results include permission to process and non-permission to process;

[0114] Step S204: Process the current business transaction according to the business inspection result.

[0115] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order than here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0116] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0117] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0118] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0119] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0120] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0121] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0122] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0123] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0124] From the above description, it can be seen that the above embodiments of the present application achieve the following technical effects:

[0125] 1) The account business processing method of the present application forms factor inspection items with the influencing factor values ​​of the influencing factors of each business transaction. The influencing factor values ​​are different in different transaction scenarios of the business transaction. For example, the influencing factor value of the counter processing is 0, and the influencing factor value of the ATM processing is 1. Different transaction scenarios of different business transactions form multiple factor inspection items. The business transaction and transaction scenario corresponding to each factor inspection item are judged whether to allow the processing, and the corresponding business inspection result is obtained, thereby establishing a factor inspection item mapping relationship. The business inspection result in the transaction scenario corresponding to the current business transaction can be determined according to the factor inspection item mapping relationship. If the processing is allowed, the current business transaction is processed; if the processing is not allowed, the current business transaction is not allowed to be processed. There is no need to develop multiple branch code logics for different transaction scenarios of different business transactions, which greatly reduces the development workload and solves the problem of high development workload of account status check for business processing in the prior art.

[0126] 2) The account business processing device of the present application forms factor inspection items with the influencing factor values ​​of the influencing factors of each business transaction. The influencing factor values ​​are different in different transaction scenarios of the business transaction. For example, the influencing factor value of counter processing is 0, and the influencing factor value of ATM processing is 1. Different transaction scenarios of different business transactions form multiple factor inspection items. The business transaction and transaction scenario corresponding to each factor inspection item are judged whether to allow processing, and the corresponding business inspection result is obtained, thereby establishing a factor inspection item mapping relationship. The business inspection result in the transaction scenario corresponding to the current business transaction can be determined according to the factor inspection item mapping relationship. If processing is allowed, the current business transaction is processed; if processing is not allowed, the current business transaction is not allowed to be processed. There is no need to develop multiple branch code logics for different transaction scenarios of different business transactions, which greatly reduces the development workload and solves the problem of high development workload of account status check for business processing in the prior art.

[0127] The above description is only the preferred embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A method for handling account services, characterized in that: include: Obtaining a target impact factor corresponding to the current business transaction, where the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include a transaction channel, a transaction currency, and an account status; Determine the impact factor value of each target impact factor according to the transaction scenario of the current business transaction, and form the impact factor value of each target impact factor into a unique factor check item; Determine the business inspection result corresponding to the unique factor inspection item according to the factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between the factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, and the business inspection results include allowing the processing and not allowing the processing; The current business transaction is processed according to the business inspection result.

2. The method according to claim 1, characterized in that Before determining the impact factor value of each target impact factor according to the transaction scenario of the current business transaction, the method further includes: The impact factor value is set for different types of the impact factors, one impact factor corresponds to a plurality of impact factor values, and one type of an impact factor corresponds to one impact factor value.

3. The method according to claim 2, characterized in that Setting the impact factor value for different types of the impact factors includes: In the case where the transaction channels include counter handling, ATM handling and mobile phone handling, the impact factor value of the counter handling of the transaction channel is set to 0, the impact factor value of the ATM handling of the transaction channel is set to 1, and the impact factor value of the mobile phone handling of the transaction channel is set to 2; In the case where the transaction currencies include a first currency, a second currency, a third currency, a fourth currency, and a fifth currency, the impact factor value of the first currency is set to 0, the impact factor value of the second currency is set to 1, the impact factor value of the third currency is set to 2, the impact factor value of the fourth currency is set to 3, and the impact factor value of the fifth currency is set to 4; In the case that the account status includes a reported loss status and a not reported loss status, the impact factor value of the reported loss status is set to 0, and the impact factor value of the not reported loss status is set to 1.

4. The method according to claim 3, characterized in that Determining the impact factor value of each target impact factor according to the transaction scenario of the current business transaction, and forming the impact factor value of each target impact factor into a unique factor check item, including: When the transaction channel corresponding to the transaction scenario of the current business transaction is the counter handling, the corresponding transaction currency is the third currency, and the corresponding account status is the loss report status, determine that the impact factor value of the transaction channel is 0, the impact factor value of the transaction currency is 2, and the impact factor value of the account status is 0; The influencing factor value of the transaction channel, the influencing factor value of the transaction currency, and the influencing factor value of the account status are combined into 020 to obtain the unique factor check item.

5. The method according to any one of claims 1 to 4, characterized in that The method further comprises: In the case of conducting new business transactions, determining the impact factor corresponding to each of the new business transactions; Determine factor check items corresponding to different transaction scenarios of each of the new business transactions to obtain multiple new factor check items; Determine the service inspection results corresponding to the multiple new factor inspection items; The plurality of new factor inspection items and the corresponding service inspection results are updated to the factor inspection item mapping relationship.

6. The method according to any one of claims 1 to 4, characterized in that The method further comprises: In the case where the transaction rule of the business transaction changes, the business check result of the factor check item corresponding to the business transaction is modified.

7. An account service handling device, characterized in that: include: An acquisition unit, configured to acquire a target impact factor corresponding to a current business transaction, wherein the target impact factor is one or more of a plurality of impact factors, and the impact factors at least include a transaction channel, a transaction currency, and an account status; A first determining unit, configured to determine an impact factor value of each of the target impact factors according to a transaction scenario of the current business transaction, and to form a unique factor check item with the impact factor values ​​of each of the target impact factors; a second determining unit, configured to determine a business inspection result corresponding to the unique factor inspection item according to a factor inspection item mapping relationship, wherein the factor inspection item mapping relationship is a mapping relationship between factor inspection items corresponding to different transaction scenarios of different business transactions and the business inspection results, wherein the business inspection results include permission to process and non-permission to process; A processing unit is used to handle the current business transaction according to the business inspection result.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored program, wherein when the program is executed, the device where the computer-readable storage medium is located is controlled to execute the method according to any one of claims 1 to 6.

9. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

10. A business system, characterized in that: include: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include methods for executing any one of claims 1 to 6.

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