Method, device and equipment for processing business data and computer readable medium

Abstract

The invention discloses a business data processing method, device and equipment and a computer readable medium, and relates to the technical field of big data. A specific embodiment of the method comprises the steps of querying a client tree corresponding to an account identifier according to the account identifier of an account operation request to obtain an operation contract corresponding to the account identifier, and verifying the operation contract corresponding to the account identifier; the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, querying a client tree by using the account identifier to obtain an associated account, and constructing an operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier; and according to a processing time period determined by a payee identifier in the account operation request, sending an operation task of the account operation request through a message queue so as to process service data at the payee, and receiving a response message of the operation task of the account operation request. According to the embodiment, the data circulation security of the business data in the transaction process can be improved.

Description

Technical Field

[0001] The present invention relates to the field of big data technology, and in particular to a method, device, equipment and computer-readable medium for processing business data. Background Art

[0002] A money transfer is the process of moving money from one account to another. This can be between accounts within the same bank or across banks. Remittances are the transfer of money from one place to another, usually involving bank accounts in different regions or countries.

[0003] Transfers or remittances are both account transactions. While providing related services, it is necessary to ensure that the transfers or remittances are absolutely safe.

[0004] In the process of implementing the present invention, the inventors found that there are at least the following problems in the prior art: whether transferring or remittance is limited by the balance in the account, which leads to low efficiency in processing business data in the account. Summary of the invention

[0005] In view of this, embodiments of the present invention provide a method, apparatus, device and computer-readable medium for processing business data, which can improve the processing efficiency of business data in an account.

[0006] To achieve the above object, according to one aspect of an embodiment of the present invention, a method for processing business data is provided, comprising:

[0007] In response to the account operation request, query the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition, and the client tree corresponding to the account identifier includes the operation contract and the account associated with the account identifier;

[0008] The processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the account identifier is used to query the customer tree to obtain the associated account, so as to construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier;

[0009] According to the processing time period determined by the payee identifier in the account operation request, the operation task of the account operation request is sent through the message queue to process the business data at the payee, and a response message of the operation task of the account operation request is received.

[0010] The step of responding to the account operation request, querying the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, and verifying the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition includes:

[0011] Receive and parse the account operation request, and traverse the client tree corresponding to the account identifier according to the operation type of the account operation request to obtain the operation contract corresponding to the account identifier;

[0012] If the operation contract corresponding to the account identifier matches the operation type and the operation contract corresponding to the account identifier is within the validity period, it is determined that the business data operation conditions are met.

[0013] The processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the account identifier is used to query the customer tree to obtain the associated account, so as to construct an operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier, including:

[0014] The customer tree is queried according to the account identifier to obtain the balance of the fund pool corresponding to the account identifier, and if the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, the root node of the account identifier and / or the child nodes of the account identifier in the customer tree are traversed by using the account identifier to obtain the associated account;

[0015] An operation task for the account operation request is constructed according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

[0016] The step of constructing the operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier includes:

[0017] Querying the customer tree according to the associated account, verifying that the account operation request has the authority to operate the associated account, and obtaining the balance of the fund pool corresponding to the associated account;

[0018] An operation task for the account operation request is constructed according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

[0019] The step of sending the operation task of the account operation request through a message queue according to the processing time period determined by the payee identifier in the account operation request, and receiving a response message of the operation task of the account operation request includes:

[0020] Acquire the processing time period according to the payee identifier in the account operation request, and send an operation task of the account operation request through a message queue within the processing time period, wherein the operation task includes the payee identifier and the processing amount;

[0021] A response message of the operation task of the account operation request is received, wherein the response message includes the payee identifier and the processing amount.

[0022] The method further comprises:

[0023] Based on the current time, the operation contracts with approaching validity periods in the client tree corresponding to the account identifier are screened out, and the operation contracts with approaching validity periods are pushed to the client corresponding to the account identifier to update the validity periods of the operation contracts.

[0024] The operation type includes direct connection;

[0025] The operation task of sending the account operation request through a message queue according to the processing time period determined according to the payee identifier in the account operation request includes:

[0026] After the processing time period is determined according to the payee identifier in the account operation request, verifying that the account identifier and the processing amount in the account operation request meet the direct connection operation conditions;

[0027] Send the operation task of the account operation request through the message queue.

[0028] According to a second aspect of an embodiment of the present invention, there is provided a device for processing service data, including:

[0029] a verification module, configured to, in response to an account operation request, query a client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain an operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition, and the client tree corresponding to the account identifier includes the operation contract and an associated account of the account identifier;

[0030] A task module, used for, when the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, querying the customer tree using the account identifier to obtain the associated account, so as to construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier;

[0031] The interaction module is used to send the operation task of the account operation request through the message queue to process the business data at the payee according to the processing time period determined by the payee identifier in the account operation request, and receive a response message of the operation task of the account operation request.

[0032] According to a third aspect of an embodiment of the present invention, there is provided an electronic device for processing service data, including:

[0033] one or more processors;

[0034] a storage device for storing one or more programs,

[0035] When the one or more programs are executed by the one or more processors, the one or more processors implement the above method.

[0036] According to a fourth aspect of an embodiment of the present invention, there is provided a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the method as described above is implemented.

[0037] According to a fifth aspect of an embodiment of the present invention, a computer program product is provided, including a computer program, and when the program is executed by a processor, the method as described above provided by an embodiment of the present invention is implemented.

[0038] One embodiment of the above invention has the following advantages or beneficial effects: in response to an account operation request, query the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation conditions, and the client tree corresponding to the account identifier includes the operation contract and the associated account of the account identifier; the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the client tree is queried using the account identifier to obtain the associated account, so as to construct the operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier; according to the processing time period determined by the payee identifier in the account operation request, send the operation task of the account operation request through the message queue to process the business data at the payee, and receive the response message of the operation task of the account operation request. The balance in the fund pool is increased by using the associated account, so that the account operation request can be directly processed, which can improve the processing efficiency of the business data in the account.

[0039] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0041] Figure 1 is a schematic diagram of the main flow of a method for processing business data according to an embodiment of the present invention;

[0042] Figure 2 is a schematic diagram of a flow chart of an operation contract corresponding to a verification account identifier according to an embodiment of the present invention;

[0043] Figure 3 It is a schematic diagram of a process for processing business data according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier according to an embodiment of the present invention;

[0044] Figure 4 is a flowchart of an operation task of constructing an account operation request according to an embodiment of the present invention;

[0045] Figure 5 is a flowchart of an operation task of sending an account operation request according to an embodiment of the present invention;

[0046] Figure 6 is a flowchart of an operation task of sending an account operation request by a direct connection service according to an embodiment of the present invention;

[0047] Figure 7 is a schematic diagram of the main structure of a device for processing business data according to an embodiment of the present invention;

[0048] Figure 8 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0049] Fig. 9 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0050] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description. The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0051] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0052] When transferring or remitting money, business data is mostly operated through online banking or direct connection. Regardless of whether it is a transfer or remittance, it is limited by the balance in the account. If the amount involved in the business data is greater than the balance, it is necessary to notify the user to reduce the amount involved in the business data, or use other accounts for transfer or remittance, which leads to low efficiency in processing business data in the account.

[0053] In order to solve the low efficiency of processing business data in an account, the following technical solution in the embodiment of the present invention can be adopted.

[0054] See also Figure 1 , Figure 1 FIG. 1 is a schematic diagram of the main flow of a method for processing business data according to an embodiment of the present invention, which uses associated accounts to jointly process account operation requests to improve the efficiency of processing business data. Figure 1 As shown in 100, the following steps are specifically included:

[0055] S101. In response to an account operation request, query the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation conditions, and the client tree corresponding to the account identifier includes the operation contract and the associated account of the account identifier.

[0056] In an embodiment of the present invention, the business data is processed in response to the account operation request sent by the client. Specifically, after receiving the account operation request, the client tree corresponding to the account identifier can be queried according to the account identifier of the account operation request. The operation contract corresponding to the account identifier is verified through the client tree to determine whether the operation type meets the business data operation conditions.

[0057] See also Figure 2 That is 200, Figure 2 This is a flow chart of the operation contract corresponding to the verification account identifier according to an embodiment of the present invention. Specifically, it includes the following steps:

[0058] S201. Receive and parse an account operation request, and traverse the client tree corresponding to the account identifier according to the operation type of the account operation request to obtain the operation contract corresponding to the account identifier.

[0059] In one embodiment of the present invention, before executing an account operation request, an operation contract needs to be used to verify the account. As an example, the account operation request includes an account transfer request or an account remittance request, and a transfer contract or a remittance contract needs to be used to verify the account. As another example, the account operation request includes an account direct connection request, and a direct connection contract needs to be used to verify the account. Using an operation contract to verify the account can increase the security of the account operation request.

[0060] In one embodiment of the present invention, the client tree corresponding to the account identifier may be traversed according to the operation type of the account operation request, and the operation contract corresponding to the account identifier may be obtained in the client tree corresponding to the account identifier.

[0061] The operation contract is stored in the customer tree according to the account identifier. As an example, the customer tree includes a root node, a child node, and a leaf node. The root node corresponds to the account identifier of the master account, the child node corresponds to the account identifier of the sub-account, and the leaf node corresponds to the account identifier of the grandchild account. The nodes in the customer tree store the operation contract of the account identifier. There is a corresponding relationship between the account identifier and the operation contract. As an example, the account identifier includes: a direct connection account, and the operation contract includes: a direct connection contract; the account identifier includes: a transfer account, and the operation contract includes: a transfer contract; the account identifier includes: a remittance account, and the operation contract includes: a remittance contract. Among them, the operation contract is a contract established after the client corresponding to the account identifier interacts.

[0062] After receiving and parsing the account operation request, the client tree corresponding to the account identifier is traversed according to the operation type of the account operation request to obtain the operation contract corresponding to the operation type in the account identifier in the client tree.

[0063] In an embodiment of the present invention, the customer tree corresponding to the account identifier includes an operation contract and an associated account of the account identifier. The customer tree includes multiple nodes, such as a root node and a leaf node. The root node and the leaf node are associated accounts with each other. The interconnected leaf nodes are associated accounts with each other. Each node can set an operation contract. As an example, the node sets the operation contract confirmed by the account. The customer tree is used to store the operation contract of the account identifier and mark the associated account of the account identifier.

[0064] As an example, according to the account identifier and the account's confirmed operation contract, add a node corresponding to the account identifier in the customer tree. The newly added node needs to establish a connection relationship with the root node and other leaf nodes. As the account identifier increases, the number of nodes in the customer tree increases accordingly.

[0065] S202: If the operation contract corresponding to the account identifier matches the operation type and the operation contract corresponding to the account identifier is within the validity period, it is determined that the business data operation conditions are met.

[0066] According to the account type, the operation contract corresponding to the account type is obtained, and it is determined that the operation contract corresponding to the account type matches the operation type. The operation contract has a time limit constraint, that is, the operation contract has a validity period. As an example, the validity period of the operation contract includes: January 1, 2020 to December 31, 2020.

[0067] The operation contract corresponding to the account type is within the validity period, that is, the operation contract corresponding to the account type is within the validity period on the current date, and it is determined that the business data operation conditions are met. If the business data operation conditions are met, the verification is successful.

[0068] exist Figure 2 In the embodiment of the present invention, the client tree corresponding to the account identifier is used to verify the operation contract to ensure the security of the account operation request.

[0069] In one embodiment of the present invention, in order to improve the validity of the operation contract in the client tree, the operation contract in the client tree can be updated. Specifically, based on the current time, the operation contract with a near expiration date in the client tree corresponding to the account identifier is filtered out, and the operation contract with a near expiration date is pushed to the client corresponding to the account identifier to update the validity period of the operation contract.

[0070] At the current time, filter out the operation contracts whose remaining validity period is less than the remaining validity period threshold, and use the operation contracts in the customer tree corresponding to the filtered account identifiers as the operation contracts with approaching validity periods.

[0071] The operation contract with an approaching validity period is pushed to the client corresponding to the account ID. After receiving the operation contract with an approaching validity period, the client reconfirms and signs the operation contract to update the validity period of the operation contract.

[0072] It is understandable that all the operation contracts in the customer tree are within the validity period. The operation contracts outside the validity period in the customer tree can be directly deleted.

[0073] S102: If the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, the account identifier is used to query the customer tree to obtain the associated account, so as to construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

[0074] In an embodiment of the present invention, the account identifier in the customer tree corresponds to a fund pool. The fund pool records the balance, and the account operation request can operate the balance in the fund pool. As an example, the processing amount in the account operation request includes a transfer of RMB 300,000, and the balance of the fund pool corresponding to the account identifier includes RMB 350,000, then the account operation request is executed to transfer RMB 300,000.

[0075] If the amount to be processed in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, the balance of the fund pool corresponding to the account identifier cannot satisfy the account operation request. You can use the account identifier to query the customer tree to obtain the associated account. According to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier, construct the operation task of the account operation request;

[0076] See also Figure 3That is 300, Figure 3 This is a flow chart of processing business data according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier according to an embodiment of the present invention. Specifically, it includes the following steps:

[0077] S301. Query the customer tree according to the account identifier to obtain the balance of the fund pool corresponding to the account identifier. If the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, use the account identifier to query and traverse the root node of the account identifier and / or the child nodes of the account identifier in the customer tree to obtain the associated accounts.

[0078] The customer tree is queried according to the account ID to obtain the balance of the fund pool corresponding to the account ID. The processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account ID. In order to improve the efficiency of processing account operation requests, the account ID query can be used to traverse the root node of the account ID and / or the child nodes of the account ID in the customer tree to obtain the associated accounts.

[0079] As an example, the root node of the account identifier in the customer tree is traversed by using the account identifier to obtain the main account corresponding to the account identifier, and / or the child node and leaf node of the account identifier in the customer tree are traversed by using the account identifier to obtain the sub-account and grandchild account corresponding to the account identifier. One or more of the above main account, sub-account and grandchild account are used as associated accounts.

[0080] In one embodiment of the present invention, when the associated account includes multiple accounts, the priority of the associated account can be determined according to the relationship between the associated account and the account identifier. As an example, if the associated account is a primary account, the priority is high; if the associated account is a sub-account, the priority is medium; if the associated account is a grandchild account, the priority is low.

[0081] S302: Construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

[0082] When the balance of the fund pool corresponding to the account identifier cannot satisfy the account operation request, the operation task of the account operation request can be constructed according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier. Among them, when there are multiple associated accounts, the associated account is selected according to the priority of the associated account. When the balance of the fund pool corresponding to the selected associated account and the balance of the fund pool corresponding to the account identifier satisfy the account operation request, the associated account can be determined. When the balance of the fund pool corresponding to the selected associated account and the balance of the fund pool corresponding to the account identifier do not satisfy the account operation request, the associated account needs to be determined again.

[0083] exist Figure 3 In the embodiment, an operation task of an account operation request is constructed by selecting an associated account to process the account operation request in a timely manner.

[0084] See also Figure 4 That is 400, Figure 4 This is a flowchart of an operation task for constructing an account operation request according to an embodiment of the present invention. Specifically, it includes the following steps:

[0085] S401. Query the customer tree according to the associated account, verify that the account operation request has the authority to operate the associated account, and obtain the balance of the fund pool corresponding to the associated account.

[0086] In an embodiment of the present invention, considering the security requirements of banking services, when using associated accounts, it is necessary to query the customer tree according to the associated accounts to verify whether the account operation request has the authority to operate the associated accounts. As an example, it is verified whether the account operation request has the authority to operate the associated accounts according to the relationship between the associated accounts and the account identifiers. For example, if the relationship between the associated accounts and the account identifiers belongs to the relationship between the main account and the sub-account, then it is verified that the account operation request has the authority to operate the associated accounts; if the relationship between the associated accounts and the account identifiers belongs to the relationship between the sub-account and the main account, then it is verified that the account operation request does not have the authority to operate the associated accounts.

[0087] After verifying that the account operation request has the authority to operate the associated account, the balance of the corresponding fund pool of the associated account can be obtained.

[0088] S402: Construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

[0089] According to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier, an operation task for the account operation request is constructed, and then business data is processed based on the account operation request.

[0090] exist Figure 4 In an embodiment of the present invention, the security of the associated account is improved by verifying the account operation request.

[0091] S103. Sending an operation task of the account operation request through a message queue to process business data at the payee according to a processing time period determined by the payee identifier in the account operation request, and receiving a response message of the operation task of the account operation request.

[0092] In an embodiment of the present invention, the account operation request needs to be sent to the payee for processing at the payee. The payee has a processing time period, such as 9:00 to 17:00 every day. In order to improve the security of the account operation request, within the processing time period determined by the payee identifier, the operation task of the account operation request is sent through the message queue to process the business data at the payee, and a response message of the operation task of the account operation request is received.

[0093] See also Figure 5 That is 500, Figure 5 This is a flowchart of an operation task of sending an account operation request according to an embodiment of the present invention. Specifically, it includes the following steps:

[0094] S501. Obtain a processing time period according to a payee ID in an account operation request, and send an operation task of the account operation request through a message queue within the processing time period, wherein the operation task includes a payee ID and a processing amount.

[0095] The processing time period is different for different payees. As an example, if the payee is branch A, the processing time period is from 8:00 to 17:00; if the payee is branch B, the processing time period is from 0:00 to 24:00. The processing time period can be obtained according to the payee ID in the account operation request.

[0096] Send the operation task of the account operation request through the message queue within the processing time period. Specifically, the operation task of the account operation request is encapsulated into a message and sent to the message queue, where the operation task includes the payee ID and the processing amount. The payee monitors the message queue, and when a new message arrives, it parses the message and performs the corresponding account operation.

[0097] In financial business, the security of message queues is a crucial consideration. The high value and sensitivity of business data in the financial field have strict requirements on data security. The messages in the message queue are encrypted. The payee receives the encrypted message through the message queue, decrypts the encrypted message using the payee ID, and obtains the operation task of the account operation request.

[0098] S502: Receive a response message of the operation task of the account operation request, where the response message includes a payee identifier and a processing amount.

[0099] The payee performs the corresponding operation for the operation task of the account operation request. Feedback the response message of the operation task of the account operation request. Receive the response message of the operation task of the account operation request, the response message includes the payee ID and the processing amount. The response message of the operation task of the account operation request indicates that the business data has been successfully processed.

[0100] exist Figure 5 In the embodiment, the operation task of the account operation request is sent through the message queue, thereby ensuring the security of the business data.

[0101] See also Figure 6 That is 600, Figure 6 This is a flowchart of an operation task of sending an account operation request for a direct connection service according to an embodiment of the present invention. Specifically, the following steps are included:

[0102] S601. After a processing time period is determined according to the payee identifier in the account operation request, verify that the account identifier and the processing amount in the account operation request meet direct connection operation conditions.

[0103] Direct connection business is the direct data exchange between financial institutions and financial institutions or enterprises without going through intermediaries. This improves efficiency and reduces intermediate links. When the operation type includes direct connection, it is necessary to verify whether the account ID and processing amount in the account operation request meet the direct connection operation conditions. As an example, the direct connection operation conditions include a preset account ID and processing amount threshold.

[0104] After the processing time period is determined according to the payee ID in the account operation request, the account ID and processing amount in the account operation request are checked to see if they meet the direct connection operation conditions, so as to improve the security of the direct connection operation.

[0105] S602: Send an operation task of the account operation request through a message queue.

[0106] If the account ID and processing amount in the account operation request meet the direct connection operation conditions, it means that the security of the account operation request meets the requirements, and the operation task of the account operation request can be sent through the message queue.

[0107] exist Figure 6 In the embodiment, in order to improve the security of the direct connection operation, the direct connection operation condition is used to check the account operation request.

[0108] In the above embodiment of the present invention, in response to an account operation request, the client tree corresponding to the account identifier is queried according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, and the operation contract corresponding to the account identifier is verified to determine that the operation type meets the business data operation conditions, and the client tree corresponding to the account identifier includes the operation contract and the associated account of the account identifier; the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the client tree is queried using the account identifier to obtain the associated account, so as to construct the operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier; according to the processing time period determined by the payee identifier in the account operation request, the operation task of the account operation request is sent through the message queue to process the business data at the payee, and the response message of the operation task of the account operation request is received. The balance in the fund pool is increased by using the associated account, and the account operation request can be directly processed, which can improve the processing efficiency of the business data in the account.

[0109] See also Figure 7 , Figure 7is a schematic diagram of the main structure of a device for processing business data according to an embodiment of the present invention. The device for processing business data can implement a method for processing business data, such as Figure 7 As shown in 700, the device for processing business data specifically includes:

[0110] Verification module 701, used to respond to the account operation request, query the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition, and the client tree corresponding to the account identifier includes the operation contract and the associated account of the account identifier;

[0111] Task module 702, used for querying the customer tree using the account identifier to obtain the associated account when the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, so as to construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier;

[0112] The interaction module 703 is used to send the operation task of the account operation request through the message queue to process the business data at the payee according to the processing time period determined by the payee identifier in the account operation request, and receive a response message of the operation task of the account operation request.

[0113] In one embodiment of the present invention, the verification module 701 is specifically used to receive and parse the account operation request, and traverse the client tree corresponding to the account identifier according to the operation type of the account operation request to obtain the operation contract corresponding to the account identifier;

[0114] If the operation contract corresponding to the account identifier matches the operation type and the operation contract corresponding to the account identifier is within the validity period, it is determined that the business data operation conditions are met.

[0115] In one embodiment of the present invention, the task module 702 is specifically used to query the customer tree according to the account identifier to obtain the balance of the fund pool corresponding to the account identifier, and the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and use the account identifier to query and traverse the root node of the account identifier and / or the child node of the account identifier in the customer tree to obtain the associated account;

[0116] An operation task for the account operation request is constructed according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

[0117] In one embodiment of the present invention, the task module 702 is specifically used to query the customer tree according to the associated account, verify that the account operation request has the authority to operate the associated account, and obtain the balance of the fund pool corresponding to the associated account;

[0118] An operation task for the account operation request is constructed according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

[0119] In one embodiment of the present invention, the interaction module 703 is specifically configured to obtain the processing time period according to the payee identifier in the account operation request, and send the operation task of the account operation request through a message queue within the processing time period, wherein the operation task includes the payee identifier and the processing amount;

[0120] A response message of the operation task of the account operation request is received, wherein the response message includes the payee identifier and the processing amount.

[0121] In one embodiment of the present invention, the verification module 701 is specifically used to filter out the operation contracts with approaching validity periods in the customer tree corresponding to the account identifier based on the current time, and push the operation contracts with approaching validity periods to the client corresponding to the account identifier to update the validity period of the operation contracts.

[0122] In one embodiment of the present invention, the interaction module 703 is specifically used for the operation type including direct connection; after a processing time period determined according to the payee identifier in the account operation request, verifying that the account identifier and processing amount in the account operation request meet the direct connection operation conditions; and sending the operation task of the account operation request through a message queue.

[0123] Figure 8 An exemplary system architecture 800 is shown to which the method for processing business data or the apparatus for processing business data according to the embodiments of the present invention can be applied.

[0124] like Figure 8 As shown, system architecture 800 may include terminal devices 801, 802, 803, a network 804, and a server 805. Network 804 is used to provide a medium for communication links between terminal devices 801, 802, 803 and server 805. Network 804 may include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0125] Users can use terminal devices 801, 802, and 803 to interact with server 805 through network 804 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 801, 802, and 803, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0126] The terminal devices 801 , 802 , and 803 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0127] The server 805 may be a server that provides various services, such as a backend management server (only an example) that provides support for shopping websites browsed by users using the terminal devices 801, 802, and 803. The backend management server may analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information, product information - only an example) to the terminal device.

[0128] It should be noted that the method for processing business data provided in the embodiment of the present invention is generally executed by the server 805 , and accordingly, the device for processing business data is generally set in the server 805 .

[0129] It should be understood that Figure 8 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0130] A computer program product according to an embodiment of the present invention includes a computer program, and when the program is executed by a processor, the method for processing business data provided by the embodiment of the present invention is implemented.

[0131] Reference below Fig. 9 , which shows a schematic diagram of the structure of a computer system 900 of a terminal device suitable for implementing an embodiment of the present invention. Fig. 9 The terminal 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 invention.

[0132] like Fig. 9As shown, the computer system 900 includes a central processing unit (CPU) 901, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage part 908 into a random access memory (RAM) 903. In the RAM 903, various programs and data required for the operation of the system 900 are also stored. The CPU 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. An input / output (I / O) interface 905 is also connected to the bus 904.

[0133] The following components are connected to the I / O interface 905: an input section 906 including a keyboard, a mouse, etc.; an output section 907 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 908 including a hard disk, etc.; and a communication section 909 including a network interface card such as a LAN card, a modem, etc. The communication section 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to the I / O interface 905 as needed. A removable medium 911, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 910 as needed, so that a computer program read therefrom is installed into the storage section 908 as needed.

[0134] In particular, according to the embodiments disclosed in the present invention, 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 invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 909, and / or installed from the removable medium 911. When the computer program is executed by the central processing unit (CPU) 901, the above-mentioned functions defined in the system of the present invention are executed.

[0135] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, 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 the present invention, a 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, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0136] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two 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 box in the block diagram or flow chart, and the combination of the boxes in the block diagram 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.

[0137] The modules involved in the embodiments of the present invention may be implemented in software or hardware. The modules described may also be set in a processor, for example, they may be described as: a processor including a verification module, a task module and an interaction module. The names of these modules do not, in some cases, limit the modules themselves. For example, the verification module may also be described as "used to respond to an account operation request, query the customer tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation conditions, and the customer tree corresponding to the account identifier includes the operation contract and the associated account of the account identifier".

[0138] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0139] In response to the account operation request, query the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition, and the client tree corresponding to the account identifier includes the operation contract and the account associated with the account identifier;

[0140] The processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the account identifier is used to query the customer tree to obtain the associated account, so as to construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier;

[0141] According to the processing time period determined by the payee identifier in the account operation request, the operation task of the account operation request is sent through the message queue to process the business data at the payee, and a response message of the operation task of the account operation request is received.

[0142] According to the technical solution of the embodiment of the present invention, in response to an account operation request, the client tree corresponding to the account identifier is queried according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, and the operation contract corresponding to the account identifier is verified to determine that the operation type meets the business data operation conditions, and the client tree corresponding to the account identifier includes the operation contract and the associated account of the account identifier; the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the client tree is queried using the account identifier to obtain the associated account, so as to construct the operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier; according to the processing time period determined by the payee identifier in the account operation request, the operation task of the account operation request is sent through the message queue to process the business data at the payee, and the response message of the operation task of the account operation request is received. The balance in the fund pool is increased by using the associated account, so that the account operation request can be directly processed, which can improve the processing efficiency of the business data in the account.

[0143] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

[0144] It should be noted that in the technical solution of the present invention, the collection, analysis, use, transmission, storage and other aspects of user personal information involved are in compliance with the provisions of relevant laws and regulations, are used for legal and reasonable purposes, are not shared, leaked or sold outside of these legal uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken for user personal information to prevent illegal access to such personal information data, ensure that persons who have access to personal information data comply with the provisions of relevant laws and regulations, and ensure the security of user personal information. Once these user personal information data are no longer needed, the risks should be minimized by limiting or even prohibiting data collection and / or deleting data.

[0145] When applicable, including in certain relevant applications, protect user privacy by de-identifying data, such as by removing specific identifiers (e.g., date of birth, etc.) when applicable, controlling the amount or specificity of data stored (e.g., collecting location data at a city level rather than at a specific address level), controlling how data is stored, and / or other de-identification methods.

Claims

1. A method for processing business data, characterized in that: include: In response to the account operation request, query the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition, and the client tree corresponding to the account identifier includes the operation contract and the account associated with the account identifier; The processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the account identifier is used to query the customer tree to obtain the associated account, so as to construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier; According to the processing time period determined by the payee identifier in the account operation request, the operation task of the account operation request is sent through the message queue to process the business data at the payee, and a response message of the operation task of the account operation request is received.

2. The method for processing business data according to claim 1, characterized in that: The step of responding to the account operation request, querying the client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain the operation contract corresponding to the account identifier, and verifying the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition includes: Receive and parse the account operation request, and traverse the client tree corresponding to the account identifier according to the operation type of the account operation request to obtain the operation contract corresponding to the account identifier; If the operation contract corresponding to the account identifier matches the operation type and the operation contract corresponding to the account identifier is within the validity period, it is determined that the business data operation conditions are met.

3. The method for processing business data according to claim 1, characterized in that: The processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, and the account identifier is used to query the customer tree to obtain the associated account, so as to construct an operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier, including: The customer tree is queried according to the account identifier to obtain the balance of the fund pool corresponding to the account identifier, and if the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, the root node of the account identifier and / or the child nodes of the account identifier in the customer tree are traversed by using the account identifier to obtain the associated account; An operation task for the account operation request is constructed according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

4. The method for processing business data according to claim 3, characterized in that: The step of constructing the operation task of the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier includes: Querying the customer tree according to the associated account, verifying that the account operation request has the authority to operate the associated account, and obtaining the balance of the fund pool corresponding to the associated account; An operation task for the account operation request is constructed according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier.

5. The method for processing business data according to claim 1, characterized in that: The step of sending the operation task of the account operation request through a message queue according to the processing time period determined by the payee identifier in the account operation request, and receiving a response message of the operation task of the account operation request includes: Acquire the processing time period according to the payee identifier in the account operation request, and send an operation task of the account operation request through a message queue within the processing time period, wherein the operation task includes the payee identifier and the processing amount; A response message of the operation task of the account operation request is received, wherein the response message includes the payee identifier and the processing amount.

6. The method for processing business data according to claim 1, characterized in that: The method further comprises: Based on the current time, the operation contracts with approaching validity periods in the client tree corresponding to the account identifier are screened out, and the operation contracts with approaching validity periods are pushed to the client corresponding to the account identifier to update the validity periods of the operation contracts.

7. The method for processing business data according to claim 1, characterized in that: The operation type includes direct connection; The operation task of sending the account operation request through a message queue according to the processing time period determined according to the payee identifier in the account operation request includes: After the processing time period is determined according to the payee identifier in the account operation request, verifying that the account identifier and the processing amount in the account operation request meet the direct connection operation conditions; Send the operation task of the account operation request through the message queue.

8. A device for processing business data, characterized in that: include: a verification module, configured to, in response to an account operation request, query a client tree corresponding to the account identifier according to the account identifier of the account operation request to obtain an operation contract corresponding to the account identifier, verify the operation contract corresponding to the account identifier to determine that the operation type meets the business data operation condition, and the client tree corresponding to the account identifier includes the operation contract and an associated account of the account identifier; A task module, used for, when the processing amount in the account operation request is greater than the balance of the fund pool corresponding to the account identifier, querying the customer tree using the account identifier to obtain the associated account, so as to construct an operation task for the account operation request according to the balance of the fund pool corresponding to the associated account and the balance of the fund pool corresponding to the account identifier; The interaction module is used to send the operation task of the account operation request through the message queue to process the business data at the payee according to the processing time period determined by the payee identifier in the account operation request, and receive a response message of the operation task of the account operation request.

9. An electronic device for processing business data, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

10. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

11. 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 7 is implemented.

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