Differentiation processing method and device based on supply chain finance multiple systems and medium

Abstract

The invention relates to the technical field of supply chains, and discloses a supply chain financial multi-system-based differentiation processing method and device and a medium, and the method comprises the steps: recognizing a capital system in a financial service data set, and determining an account system and a settlement mode system corresponding to the capital system according to the financial service data set; screening a target account and a target settlement mode corresponding to each fund party in the capital party system in the account system and the settlement mode system; according to the target account and the target settlement mode, fund business logic corresponding to each fund party is generated, and the fund business logic corresponding to all the fund parties is packaged into a unified standardized business interface; when a fund service request is received, performing security verification on external communication corresponding to the fund service request; and when the fund service request passes the security verification, performing differentiated service logic processing on the verified fund service request by using the unified standardized service interface. According to the invention, the efficiency of differentiated management can be improved.

Description

Technical Field

[0001] The present invention relates to the field of supply chain technology, and in particular to a differentiated processing method, device and medium based on a supply chain finance multi-system. Background Art

[0002] With the rapid development of supply chain finance, the demand for capital flow and settlement is increasing. However, in supply chain finance business, due to differences in funding parties, account systems, settlement methods, etc., in order to improve the efficiency of capital business processing, it is necessary to provide a statistical method for capital business processing.

[0003] The existing supply chain finance differentiated management is to standardize and integrate the account systems of different funding parties, and settle funds on a unified platform based on the cloud platform. In actual applications, data transmission is required based on the cloud platform, which consumes a lot of cloud computing resources during the data transmission process, thus reducing the efficiency of differentiated management. Summary of the invention

[0004] The present invention provides a differentiated processing method, device and medium based on supply chain finance multi-system, the main purpose of which is to solve the problem of low efficiency in differentiated management.

[0005] To achieve the above purpose, the present invention provides a differentiated processing method based on a multi-system of supply chain finance, comprising:

[0006] Identify the capital system in the pre-acquired financial business data set, and determine the account system and settlement method system corresponding to the capital system according to the financial business data set;

[0007] Selecting the target account and target settlement method corresponding to each funding party in the funding party system in the account system and the settlement method system;

[0008] Generate the funding business logic corresponding to each funding party according to the target account and the target settlement method, and encapsulate the funding business logic corresponding to all funding parties into a unified standardized business interface;

[0009] When receiving a preset fund service request, performing security verification on the external communication corresponding to the fund service request;

[0010] When the fund service request passes the security verification, the unified standardized service interface is used to perform differentiated service logic processing on the verified fund service request to obtain a unified service processing result.

[0011] Optionally, the identifying the capital system in the pre-acquired financial business data set includes:

[0012] Identifying a single financial service data in the financial service data set according to a preset service number;

[0013] Extracting a single business data field from the single financial business data;

[0014] Querying the capital party field in the single business data field through a preset query statement;

[0015] The investor data corresponding to the investor field is extracted, and all the investor data are collected into an investor system according to the business number.

[0016] Optionally, determining the account system and settlement method system corresponding to the capital system according to the financial business data set includes:

[0017] Extracting the business data field corresponding to each financial business data in the financial business data set;

[0018] Query the account field and the settlement method field in the business data field through a query statement;

[0019] Extracting the account data corresponding to the account field, and extracting the settlement method data corresponding to the settlement method field;

[0020] Repeatedly screen the account data corresponding to all financial business data, and aggregate the screened account data into the account system corresponding to the capital system;

[0021] The settlement method data corresponding to all financial business data are repeatedly screened, and the screened settlement method data are collected to form a settlement method system corresponding to the capital system.

[0022] Optionally, the step of screening the target account and target settlement method corresponding to each funding party in the funding party system in the account system and the settlement method system includes:

[0023] Query the account type and settlement method type corresponding to the capital system according to the preset business number;

[0024] Counting a first quantity of the account type, and counting a second quantity of the settlement method type;

[0025] Determine all accounts corresponding to the funding party according to the first quantity and the account type, and determine all settlement methods corresponding to the funding party according to the second quantity and the settlement method type;

[0026] A mapping relationship between all accounts and all settlement methods corresponding to the funding party and each funding party is constructed, and a target account and a target settlement method corresponding to each funding party are extracted according to the mapping relationship.

[0027] Optionally, generating the funding business logic corresponding to each funding party according to the target account and the target settlement method includes:

[0028] Extracting historical settlement method data corresponding to each account in the target account;

[0029] Filtering the settlement method corresponding to each account from the target settlement method according to the historical settlement method data;

[0030] Generate business trigger conditions between each account and the settlement method corresponding to each account;

[0031] Generate the funding business logic corresponding to each funding party based on the business triggering conditions and the preset business transaction operation process.

[0032] Optionally, the encapsulation of the funding business logic corresponding to all funding parties into a unified standardized business interface includes:

[0033] Encapsulate the funding business logic corresponding to all funding parties into a funding business interface;

[0034] Generate unified input parameters and unified output parameters of the unified standardized business interface according to the funding party parameters corresponding to the funding business interface and the preset business transaction parameters;

[0035] configuring a unified data structure according to the unified input parameter and the unified output parameter;

[0036] The unified data structure and the unified output parameters are encapsulated into a unified standardized business interface.

[0037] Optionally, the performing security verification on the external communication corresponding to the fund service request includes:

[0038] Authentication of the sender of the financial service request;

[0039] When the identity authentication is passed, external communication access control is performed on the fund service request to obtain an access control result, and a service authorization for the fund service request is generated according to the access control result;

[0040] When the service authorization is valid, a security verification is performed on the communication protocol of the fund service request, a security verification is performed on the request message format of the fund service request, and a security verification is performed on the external connection mode of the fund service request.

[0041] According to the security verification of the communication protocol, the security verification of the request message format and the security verification of the external connection mode, it is determined whether the external communication corresponding to the fund business request has passed the security verification.

[0042] Optionally, using the unified standardized business interface to perform differentiated business logic processing on the verified fund business request to obtain a unified business processing result includes:

[0043] Standardize the data structure of request parameters in verified fund business requests;

[0044] Extracting business request parameters from fund business requests with a unified and standardized data structure;

[0045] Calling the funding service interface in the unified standardized service interface according to the funding party in the service request parameter;

[0046] The fund business interface is executed according to the business fund parameters in the business request parameters to obtain a unified business processing result.

[0047] In order to solve the above problem, the present invention further provides an electronic device, the electronic device comprising:

[0048] at least one processor; and,

[0049] a memory communicatively connected to the at least one processor; wherein,

[0050] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the above-mentioned differentiated processing method based on supply chain finance multi-system.

[0051] In order to solve the above problems, the present invention also provides a computer-readable storage medium, in which at least one computer program is stored. The at least one computer program is executed by a processor in an electronic device to implement the above-mentioned differentiated processing method based on multiple supply chain financial systems.

[0052] By identifying and classifying the funding party system, the embodiment of the present invention can clearly understand the accounts and settlement methods of each funding party, and provide basic data for subsequent business processing; determining the specific account and settlement method of each funding party helps to accurately specify the flow of funds and the settlement path, avoiding confusion and errors; the business logic of different funding parties is uniformly encapsulated as a standard interface, which simplifies the complexity of interacting with different funding parties and improves the maintainability and scalability of the system; ensure the security of funding business requests, prevent unauthorized access and potential security risks, maintain the integrity of system data and user trust; according to the verified funding business request, the supply chain financial business can be uniformly processed due to different funding parties, different account systems, different settlement methods, etc. Therefore, the differentiated processing method, device and medium based on the supply chain financial multi-system proposed by the present invention can solve the problem of low efficiency when performing differentiated management. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] Figure 1 A flowchart of a differentiated processing method based on multiple supply chain financial systems provided by an embodiment of the present invention;

[0054] Figure 2 A schematic diagram of a process for selecting accounts and settlement methods provided by an embodiment of the present invention;

[0055] Figure 3 A schematic diagram of a flow chart of generating funds business logic provided by an embodiment of the present invention;

[0056] Figure 4 A schematic diagram of the structure of an electronic device for implementing the differentiated processing method based on multiple supply chain financial systems provided in one embodiment of the present invention.

[0057] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0058] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0059] The embodiment of the present application provides a differentiated processing method based on multiple systems of supply chain finance. The execution subject of the differentiated processing method based on multiple systems of supply chain finance includes but is not limited to at least one of the electronic devices such as the server, terminal, etc. that can be configured to execute the method provided by the embodiment of the present application. In other words, the differentiated processing method based on multiple systems of supply chain finance can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc. The server can be an independent server, or it can be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and big data and artificial intelligence platforms.

[0060] Reference Figure 1 FIG. 1 is a flow chart of a differentiated processing method based on multiple supply chain financial systems provided by an embodiment of the present invention. In this embodiment, the differentiated processing method based on multiple supply chain financial systems includes:

[0061] S1. Identify the capital system in the pre-acquired financial business data set, and determine the account system and settlement method system corresponding to the capital system according to the financial business data set.

[0062] In an embodiment of the present invention, the funding party system refers to the collection of funding parties involved in each financial business transaction process. Each financial business has its corresponding funding party, and the funding party includes but is not limited to banks, investment funds, individual investors, and companies. Funds participate in different financial businesses based on their sources of funds, risk preferences, investment objectives and other factors, forming a corresponding funding party system.

[0063] In the embodiment of the present invention, the step of identifying the capital system in the pre-acquired financial business data set includes:

[0064] Identifying a single financial service data in the financial service data set according to a preset service number;

[0065] Extracting a single business data field from the single financial business data;

[0066] Querying the capital party field in the single business data field through a preset query statement;

[0067] The investor data corresponding to the investor field is extracted, and all the investor data are collected into an investor system according to the business number.

[0068] In detail, according to the unique business number corresponding to each financial business in the financial business data set, a single financial business data corresponding to the number can be extracted, and the business data field can be extracted from each extracted single financial business data. The business data field includes transaction time, transaction amount, transaction type, funding party ID, funding party name, transaction account, and transaction settlement method. Then, the funding party field is queried in the single business data field using a query statement of the structured query language (SQL), such as SELECT funding party field; FROM a single business data table WHERE; business number = 'preset business number', the clause in the SQL statement is used to specify the funding party field to be queried, the clause is used to specify the table to be queried, the clause is used to filter the records that meet the preset business number, thereby obtaining the funding party field and extracting the funding party data corresponding to the funding party field, and the funding party data includes the funding party name, funding party ID, funding party contact information, etc., and all the funding party data are collected into a funding party system, wherein the funding party data corresponding to the funding party field can be extracted from a pre-stored storage area through a computer statement with a data capture function (such as a Java statement, a Python statement, etc.).

[0069] Furthermore, each investor in the investor system may have its own account system and settlement method. These accounts and settlement methods may vary according to their business needs and processes. For example, some investors may prefer to use specific bank accounts for settlement, while others may prefer to use third-party payment platforms. Therefore, it is necessary to analyze the accounts and settlement methods of different funding parties in the investor system to improve the efficiency of financial business transactions.

[0070] In an embodiment of the present invention, the account system refers to a collection of corresponding funds transfer-in or transfer-out accounts involving all funding parties, such as bank accounts, electronic wallets, investment accounts, etc. Each account has a unique identifier and may contain personal or institutional information of the account holder; the settlement method system refers to a collection of the overall organizational structure of specific methods or methods used by all funding parties to complete financial transactions and settle funds. Settlement methods may include cash transactions, bank transfers, credit card payments, third-party payment platforms, etc.

[0071] In the embodiment of the present invention, the determining of the account system and the settlement method system corresponding to the capital system according to the financial business data set includes:

[0072] Extracting the business data field corresponding to each financial business data in the financial business data set;

[0073] Query the account field and the settlement method field in the business data field through a query statement;

[0074] Extracting the account data corresponding to the account field, and extracting the settlement method data corresponding to the settlement method field;

[0075] Repeatedly screen the account data corresponding to all financial business data, and aggregate the screened account data into the account system corresponding to the capital system;

[0076] The settlement method data corresponding to all financial business data are repeatedly screened, and the screened settlement method data are collected to form a settlement method system corresponding to the capital system.

[0077] In detail, each financial business data has a corresponding business data field, including transaction time, transaction amount, transaction type, funding party ID, funding party name, transaction account, and transaction settlement method. If the business data table is named financial_transactions and contains the account field account_field and the settlement method field payment_method_field, the account field and the settlement method field are queried through the SQL query statement SELECT account_field, payment_method_field; FROM financial_transactions, and the account data corresponding to the account field and the settlement method data corresponding to the settlement method field are extracted, that is, the account data and settlement method data are extracted from a pre-stored storage area through a programming language (such as Python), where the storage area includes but is not limited to a database and a blockchain.

[0078] Specifically, all non-duplicate account data and settlement method data are filtered out from the financial business data through Python statements. That is, assuming that the data has been stored in a CSV file named "financial_data.csv", then df = pd.read_csv("financial_data.csv"), extract the account field from the financial business data and remove duplicates, that is, unique_accounts = df['account_field'].unique(), and then output all non-duplicate account data print(unique_accounts). Similarly, extract the settlement method field from the financial business data and remove duplicates, that is, unique_payment_methods = df['payment_method_field'].u nique(), and then output the non-duplicate settlement method data print(unique_payment_methods), which uses the unique() function in Python's pandas library to extract all unique values ​​of a column in the DataFrame (in this example, 'payment_method_field') and return an array containing these unique values. The purpose is to extract all non-duplicate values ​​of the settlement method field in the financial business data, so as to obtain non-duplicate account data and settlement method data, and merge the filtered account data and settlement method data into an account system and a settlement method system, where the account system refers to the accounts that all funding parties can involve, and the settlement method system refers to the settlement methods that all funding parties can involve, that is, the funding party system and the account system and the settlement method system are not mutually corresponding.

[0079] Furthermore, each funding party may have specific requirements for the account. It is necessary to screen out the corresponding account and settlement method of the funding party according to the funding party's own preferences, which is conducive to establishing a closer cooperative relationship, improving cooperation efficiency, speeding up transaction processing and reducing unnecessary delays.

[0080] S2. Filter the target account and target settlement method corresponding to each funding party in the funding party system in the account system and the settlement method system.

[0081] In the embodiment of the present invention, the target account refers to one or more accounts corresponding to each funding party, such as account A, account B or account C, and the target settlement method refers to one or more settlement methods corresponding to each funding party, such as electronic transfer, fund redemption, check payment, cash payment, credit card payment, bank remittance, and there is no corresponding relationship between the target account and the target settlement method.

[0082] In the embodiment of the present invention, refer to Figure 2 As shown, the target account and target settlement method corresponding to each funding party in the funding party system are screened in the account system and the settlement method system, including:

[0083] S21. Query the account type and settlement method type corresponding to the capital system according to the preset business number;

[0084] S22, counting the first number of the account type, and counting the second number of the settlement method type;

[0085] S23. Determine all accounts corresponding to the funding party according to the first quantity and the account type, and determine all settlement methods corresponding to the funding party according to the second quantity and the settlement method type;

[0086] S24. Construct a mapping relationship between all accounts and all settlement methods corresponding to the funding party and each funding party, and extract a target account and a target settlement method corresponding to each funding party according to the mapping relationship.

[0087] In detail, all corresponding account types and settlement method types in the capital party system are queried through the business number through SQL statements, such as ELECT account type, settlement method type; FROM capital party system WHERE business number = 'business number', the SQL query database contains a table called "capital party system table", which contains fields such as business number, account type, settlement method type, etc.; and the number of all account types and the number of all settlement method types are counted, such as SELECT account type, COUNT(*) AS the first number, FROM capital party system table, WHERE business number = business number, GROUP BY account type; SELECT settlement method type, COUNT(*) AS the second number, FROM capital party system table, WHERE business number = business number, GROUP BY settlement method type.

[0088] Specifically, the number of all accounts corresponding to the funding party can be determined according to the first quantity, all account types corresponding to the funding party can be determined according to the account type, and the number of all settlement methods corresponding to the funding party can be determined according to the second quantity, and all settlement method types corresponding to the funding party can be determined according to the settlement method type, such as extracting all account types corresponding to the funding party through SELECT funding party, GROUP_CONCAT (account type) AS all accounts, FROM funding party system table, WHERE business number = business number, GROUP BY funding party, and extracting all account types corresponding to the funding party through SELECT funding party, GROUP_CONCAT (settlement method type) AS all settlement methods, FROM funding party system table, WHERE business number = business number, GROUP BY funding party extracts all settlement methods corresponding to the funding party, and then constructs a mapping relationship between all accounts and all settlement methods corresponding to the funding party and each funding party, that is, all accounts and all settlement methods corresponding to each funding party. For example, all accounts corresponding to funding party A are account a, account b and account c, and all settlement methods are electronic transfer, fund redemption, and check payment; all accounts corresponding to funding party B are account a and account b, and all settlement methods are electronic transfer, fund redemption, and bank remittance. Therefore, according to the mapping relationship, the target account and target settlement method corresponding to each funding party can be clearly obtained.

[0089] Furthermore, the transaction business logic of each funding party in the financial business transaction process can be analyzed according to the target account and target settlement method corresponding to each funding party, which can ensure that when there are differences in supply chain financial business such as different funding parties, different account systems, and different settlement methods, the differences can be unified.

[0090] S3. Generate the funding business logic corresponding to each funding party according to the target account and the target settlement method, and encapsulate the funding business logic corresponding to all funding parties into a unified standardized business interface.

[0091] In an embodiment of the present invention, the fund business logic refers to various business processes and rules involving fund flows, defines the operational process of fund transfers, including rules for determining settlement methods and conditions. Settlement methods may include electronic transfers, checks, credit card payments, etc., and settlement conditions involve restrictions and triggering conditions on account balances, transaction frequencies, transaction amounts, etc.

[0092] In the embodiment of the present invention, referring to Figure 3 As shown, the fund business logic corresponding to each funding party is generated according to the target account and the target settlement method, including:

[0093] S31, extracting historical settlement method data corresponding to each account in the target account;

[0094] S32, filtering the settlement method corresponding to each account from the target settlement method according to the historical settlement method data;

[0095] S33, generating a business trigger condition between each account and the settlement method corresponding to each account;

[0096] S34. Generate the funding business logic corresponding to each funding party according to the business triggering conditions and the preset business transaction operation process.

[0097] In detail, the historical settlement method data includes the settlement methods used by each account in the past few months or years, such as electronic transfer, check, credit card payment, etc. The historical settlement method data is extracted according to the written access script, and the query includes the required fields, such as account number, settlement method, settlement date, etc. After the query is executed, the historical settlement method data that meets the conditions will be returned, and then the queried historical settlement method will be compared with the target settlement method, and each account will be compared one by one. The settlement method corresponding to each account that is the same as the historical settlement method is selected from the target settlement method. For example, the historical settlement methods include electronic transfer, check, and bank remittance, and the target settlement method includes electronic transfer, fund redemption, and bank remittance, then the settlement method corresponding to each account is electronic transfer and bank remittance.

[0098] Specifically, each account is matched with the corresponding settlement method of each account. For example, the settlement method corresponding to account a is electronic transfer and bank remittance, and the settlement method corresponding to account b is electronic transfer and bank remittance. The business trigger condition refers to the selected account type. Different settlement methods are triggered according to the selected account type. Then, the capital business logic corresponding to each funding party is generated according to the business trigger conditions and the business transaction operation process. That is, the business transaction operation process includes how customers initiate transactions, how the system processes them, how funds flow, etc. Then, the account status and transaction requests are monitored according to the business trigger conditions, and the corresponding settlement method is selected according to the trigger conditions, such as electronic transfer, investment redemption, etc., and the selected settlement method is executed to complete operations such as fund transfer, clearing and settlement.

[0099] Furthermore, each funding party has its own funding business logic, and it is necessary to encapsulate the differentiated logics to obtain a unified funding business logic. The standardized business interface provides a loosely coupled integration method, making the configuration between the various funding parties more flexible without having to write specific integration code for each funding party.

[0100] In the embodiment of the present invention, the unified standardized business interface refers to the integration of the funding business logics corresponding to different funding parties, and defines a set of unified interface specifications and conventions. The interface specifications include input parameters, output parameters, operation methods, error handling, etc., to ensure that transactions between different parts can proceed smoothly and reduce the cost of integration and maintenance.

[0101] In the embodiment of the present invention, the fund business logic corresponding to all fund parties is encapsulated into a unified standardized business interface, including:

[0102] Encapsulate the funding business logic corresponding to all funding parties into a funding business interface;

[0103] Generate unified input parameters and unified output parameters of the unified standardized business interface according to the funding party parameters corresponding to the funding business interface and the preset business transaction parameters;

[0104] configuring a unified data structure according to the unified input parameter and the unified output parameter;

[0105] The unified data structure and the unified output parameters are encapsulated into a unified standardized business interface.

[0106] In detail, first define a unified funding business interface, that is, each payment type corresponds to an interface method. For example, the funding business logic corresponding to funding party A includes account a and account b, and the corresponding settlement methods are electronic transfer and bank remittance. Then encapsulate the funding business logic into a funding business interface, that is, define a class of financial services, FinanceProvider, which can handle funding deposit operations. During initialization, this class will initialize two accounts a and b, and each account of funding party A has two settlement methods: electronic transfer and bank remittance, such as self.accounts = {a: [electronic transfer, bank remittance], b: [electronic transfer, bank remittance]}, define a unique funding deposit function relative to funding party A, then the funding deposit function is deposit(self, amount, account_type), settlement_methods = self.accounts[account_type], get the settlement method of the account according to the account type, and print out the selected account type and settlement method, that is, if electronic transfer in settlement_methods, print("Execute electronic transfer operation"), if bank transfer in settlement_methods, print("Execute bank transfer operation"), then the selected account type account_type and settlement method settlement_methods are output, and the function will return a status or result pair, such as the status is success or failure, and the result pair is the successful completion of a certain amount of storage in a certain account. Similarly, the operations corresponding to funding party A include not only deposit operations deposit, but also withdrawal, payment, and refund operations. The deposit function is deposit(self, amount, account_type), the withdrawal function is withdraw(self, amount, account_type), the payment function is pay(self, amount, account_type), and the refund function is refund(self, amount, account_type). The funding business interface corresponding to funding party A is Atransaction(self, transaction_type, amount, account_type), and the funding business interface corresponding to funding party B is Btransaction(self, transaction_type, amount, account_type), that is, if transaction_type=="deposit", call deposit(self,amount,account_type) function, else if transaction_type=="withdraw", call withdraw(self,amount,account_type), where transaction_type corresponds to deposit, withdraw, pay, refund. .

[0107] Specifically, the funding party parameters and business transaction parameters corresponding to the funding business interface can generate unified input parameters and unified output parameters of a unified standardized business interface. The unified input parameters are funding party parameter name, account amount amount, account type transaction_type, and transaction type account_type. The unified output parameters are output status status and result corresponding message. The unified input parameters and unified output parameters are configured with the data structure of a unified standardized business interface. The unified standardized business interface is Transaction(self, name, transaction_type, amount, account_type). If name=="funding party A", the Atransaction(self, transaction_type, amount, account_type) function corresponding to funding party A is called; if name=="funding party B", the Btransaction(self, transaction_type, amount, account_type) function corresponding to funding party B is called.

[0108] Furthermore, all the differences of external systems are uniformly classified and processed, the differentiated logics are encapsulated, and a unified standardized processing interface and processing flow are provided to the outside world. However, when using the unified standardized processing interface to process financial business requests, the security of the financial business requests needs to be verified to ensure the security of the transaction process.

[0109] S4. When a preset fund service request is received, security verification is performed on the external communication corresponding to the fund service request.

[0110] In an embodiment of the present invention, when a fund business request is received from a preset supply chain party, such as transfer-in or transfer-out between fund parties, the fund business request will be security verified before the request is processed based on the fund business request. The security verification ensures that only authorized users can perform fund operations, preventing the risk of unauthorized access and tampering with fund data, thereby protecting the security of fund transactions.

[0111] In the embodiment of the present invention, the security verification of the external communication corresponding to the fund service request includes:

[0112] Authentication of the sender of the financial service request;

[0113] When the identity authentication is passed, external communication access control is performed on the fund service request to obtain an access control result, and a service authorization for the fund service request is generated according to the access control result;

[0114] When the service authorization is valid, a security verification is performed on the communication protocol of the fund service request, a security verification is performed on the request message format of the fund service request, and a security verification is performed on the external connection mode of the fund service request.

[0115] According to the security verification of the communication protocol, the security verification of the request message format and the security verification of the external connection mode, it is determined whether the external communication corresponding to the fund business request has passed the security verification.

[0116] In detail, the platform is connected to many external funding parties, and the external connection is deployed separately and independently of the business system. The external system connects to the platform through the external connection. The external connection platform needs to achieve secure isolation between the external system and the core business system to prevent the external system from directly accessing the sensitive data and resources of the core business system. The access control mechanism can be implemented in the external connection platform to restrict and monitor the access to the external system to ensure that only authorized external systems can access the core business system. First, the sender in the request parameter in the fund business request is authenticated, such as through a digital certificate or token-based authentication. Once the sender's identity is authenticated, the fund business request will be subject to external communication access control, which will cross The specific parameters of the request and the security policy determine whether the request is allowed to access the required resources or services, which can prevent unauthorized access or illegal operations. The external connection platform verifies the validity of the identity credentials provided by the external system and authorizes it to access the corresponding functions and resources, thereby obtaining the access control result of the external communication access control. When the access control result is that the access is safe, the financial business request is authorized for business access; when the access control result is that the access is unsafe, the financial business request is not authorized for business access, and then when the business authorization is not valid, the access to the financial business request is denied. Only when the business authorization is valid, the communication protocol, request message format and external connection method of the financial business request are securely verified.

[0117] Specifically, when receiving fund business requests, multiple communication protocols, multiple message formats, and multiple connection methods are supported. That is, in fund business requests, the communication protocol plays an important role in communication and transaction data. In order to ensure the security of the communication protocol, it is necessary to verify whether the security parameters of the communication protocol meet the security standards; and the security verification of the request message format is an important step to ensure the integrity and correctness of the request data. The request parameters are verified to ensure that their type, range, and format meet expectations. For example, verify whether the amount field is a number and is within the valid range; the external connection method security verification is to ensure that the connection between the fund business request and the external system or service is secure and reliable, and configure firewall rules to limit the source and target of external connections, prevent unauthorized access or limit access rights to external connections, and only allow authorized systems or services to connect. Only after the security verification of the communication protocol, the security verification of the request message format, and the security verification of the external connection method have all passed the security verification, can it be determined that the external communication corresponding to the fund business request has passed the security verification.

[0118] Furthermore, when a financial business request passes security verification, a unified and standardized business interface can be used to process financial business requests of various types and formats, making it more flexible and scalable when adding new businesses or connecting new business partners, and enabling each module or service to exchange data and share information more efficiently, thereby improving the efficiency and speed of overall business processing.

[0119] S5. When the fund business request passes the security verification, the verified fund business request is processed with differentiated business logic using the unified standardized business interface to obtain a unified business processing result.

[0120] In the embodiment of the present invention, only when the fund business request passes the security verification can the unified standardized business interface be used to process fund business requests of various types and formats, and the account system, settlement method, etc. of each type of funding party can be configured.

[0121] In the embodiment of the present invention, the use of the unified standardized business interface to perform differentiated business logic processing on the verified fund business request to obtain a unified business processing result includes:

[0122] Standardize the data structure of request parameters in verified fund business requests;

[0123] Extracting business request parameters from fund business requests with a unified and standardized data structure;

[0124] Calling the funding service interface in the unified standardized service interface according to the funding party in the service request parameter;

[0125] The fund business interface is executed according to the business fund parameters in the business request parameters to obtain a unified business processing result.

[0126] In detail, the request parameters in the fund business requests from different sources are standardized according to the interface parameters of the unified standardized business interface, and the funding party, transaction amount, transaction type, and account type in the fund business request are extracted. The class is used to unify the request parameters in the fund business request, and the fund business interface in the unified standardized business interface is called according to the different funding parties in the business request parameters, and the fund business interface is executed according to the transaction type in the business request parameters, so as to obtain the processing result after the unified standard business interface is called, that is, the unified business processing result. The unified business processing result includes a status of success or failure, and the result is the successful completion of the storage of a certain amount of money into a certain account.

[0127] Furthermore, all the differences of external systems are uniformly classified and processed, the differentiated logics are encapsulated, and a unified standardized processing interface and processing flow are provided to the outside world. The account system, settlement method, etc. of various types of funding parties can be supported through configuration.

[0128] By identifying and classifying the funding party system, the embodiment of the present invention can clearly understand the accounts and settlement methods of each funding party, and provide basic data for subsequent business processing; determining the specific account and settlement method of each funding party helps to accurately specify the flow of funds and the settlement path, avoiding confusion and errors; the business logic of different funding parties is uniformly encapsulated as a standard interface, which simplifies the complexity of interacting with different funding parties and improves the maintainability and scalability of the system; ensure the security of funding business requests, prevent unauthorized access and potential security risks, maintain the integrity of system data and user trust; according to the verified funding business request, the supply chain financial business can be uniformly processed due to different funding parties, different account systems, different settlement methods, etc. Therefore, the differentiated processing method, device and medium based on the supply chain financial multi-system proposed by the present invention can solve the problem of low efficiency when performing differentiated management.

[0129] like Figure 4 , which is a schematic diagram of the structure of an electronic device for implementing a differentiated processing method based on multiple supply chain financial systems provided by an embodiment of the present invention.

[0130] The electronic device may include a processor 10, a memory 11, a communication bus 12 and a communication interface 13, and may also include a computer program stored in the memory 11 and executable on the processor 10, such as a differentiated processing program based on a multi-system of supply chain finance.

[0131] In some embodiments, the processor 10 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or a plurality of integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and combinations of various control chips. The processor 10 is the control core (ControlUnit) of the electronic device, and uses various interfaces and lines to connect the various components of the entire electronic device, and executes or executes the programs or modules stored in the memory 11 (for example, executing the differentiated processing program based on the multi-system of supply chain finance, etc.), and calls the data stored in the memory 11 to execute various functions of the electronic device and process data.

[0132] The memory 11 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disk, multimedia card, card-type memory (for example: SD or DX memory, etc.), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 11 can be an internal storage unit of an electronic device, such as a mobile hard disk of the electronic device. In other embodiments, the memory 11 can also be an external storage device of an electronic device, such as a plug-in mobile hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the electronic device. Further, the memory 11 can also include both an internal storage unit of the electronic device and an external storage device. The memory 11 can not only be used to store application software and various types of data installed in the electronic device, such as the code of the differentiated processing program based on the multi-system of supply chain finance, but also can be used to temporarily store data that has been output or is to be output.

[0133] The communication bus 12 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. The bus is configured to realize connection and communication between the memory 11 and at least one processor 10, etc.

[0134] The communication interface 13 is used for communication between the above-mentioned electronic device and other devices, including a network interface and a user interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is generally used to establish a communication connection between the electronic device and other electronic devices. The user interface may be a display (Display), an input unit (such as a keyboard (Keyboard)), and optionally, the user interface may also be a standard wired interface, a wireless interface. Optionally, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, and an OLED (Organic Light-Emitting Diode, organic light-emitting diode) touch device, etc. Among them, the display may also be appropriately referred to as a display screen or a display unit, which is used to display information processed in the electronic device and to display a visual user interface.

[0135] The figure only shows an electronic device with components. Those skilled in the art will understand that the structure shown in the figure does not constitute a limitation on the electronic device, and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0136] For example, although not shown, the electronic device may also include a power source (such as a battery) for supplying power to each component. Preferably, the power source may be logically connected to the at least one processor 10 through a power management device, so that the power management device can realize functions such as charging management, discharging management, and power consumption management. The power source may also include one or more DC or AC power sources, recharging devices, power failure detection circuits, power converters or inverters, power status indicators, and other arbitrary components. The electronic device may also include a variety of sensors, Bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

[0137] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0138] The differentiated processing program based on the multi-system of supply chain finance stored in the memory 11 of the electronic device is a combination of multiple instructions. When running in the processor 10, it can achieve:

[0139] Identify the capital system in the pre-acquired financial business data set, and determine the account system and settlement method system corresponding to the capital system according to the financial business data set;

[0140] Selecting the target account and target settlement method corresponding to each funding party in the funding party system in the account system and the settlement method system;

[0141] Generate the funding business logic corresponding to each funding party according to the target account and the target settlement method, and encapsulate the funding business logic corresponding to all funding parties into a unified standardized business interface;

[0142] When receiving a preset fund service request, performing security verification on the external communication corresponding to the fund service request;

[0143] When the fund service request passes the security verification, the unified standardized service interface is used to perform differentiated service logic processing on the verified fund service request to obtain a unified service processing result.

[0144] Specifically, the specific implementation method of the processor 10 for the above instructions can refer to the description of the relevant steps in the corresponding embodiment of the accompanying drawings, which will not be repeated here.

[0145] Furthermore, if the module / unit integrated in the electronic device is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. The computer-readable storage medium can be volatile or non-volatile. For example, the computer-readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a USB flash drive, a mobile hard disk, a magnetic disk, an optical disk, a computer memory, and a read-only memory (ROM).

[0146] The present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor of an electronic device, the computer program can implement:

[0147] Identify the capital system in the pre-acquired financial business data set, and determine the account system and settlement method system corresponding to the capital system according to the financial business data set;

[0148] Selecting the target account and target settlement method corresponding to each funding party in the funding party system in the account system and the settlement method system;

[0149] Generate the funding business logic corresponding to each funding party according to the target account and the target settlement method, and encapsulate the funding business logic corresponding to all funding parties into a unified standardized business interface;

[0150] When receiving a preset fund service request, performing security verification on the external communication corresponding to the fund service request;

[0151] When the fund service request passes the security verification, the unified standardized service interface is used to perform differentiated service logic processing on the verified fund service request to obtain a unified service processing result.

[0152] In the several embodiments provided by the present invention, it should be understood that the disclosed devices, media and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative, for example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

[0153] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0154] In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0155] It is obvious to those skilled in the art that the present invention is not limited to the details of the above exemplary embodiments, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0156] Therefore, no matter from which point of view, the embodiments should be regarded as illustrative and non-restrictive, and the scope of the present invention is not limited only according to the above description, and it is intended that all changes within the meaning and scope of equivalent elements within the scope of protection are included in the present invention.

[0157] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0158] In addition, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the system can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

[0159] Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present invention can be modified or replaced by equivalents without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. A differentiated processing method based on multiple supply chain financial systems, characterized in that: The method comprises: Identify the capital system in the pre-acquired financial business data set, and determine the account system and settlement method system corresponding to the capital system according to the financial business data set; Selecting the target account and target settlement method corresponding to each funding party in the funding party system in the account system and the settlement method system; Generate the funding business logic corresponding to each funding party according to the target account and the target settlement method, and encapsulate the funding business logic corresponding to all funding parties into a unified standardized business interface; When receiving a preset fund service request, performing security verification on the external communication corresponding to the fund service request; When the fund service request passes the security verification, the unified standardized service interface is used to perform differentiated service logic processing on the verified fund service request to obtain a unified service processing result.

2. The differentiated processing method based on the supply chain finance multi-system as claimed in claim 1 is characterized in that: The identifying of the capital system in the pre-acquired financial business data set includes: Identifying a single financial service data in the financial service data set according to a preset service number; Extracting a single business data field from the single financial business data; Querying the capital party field in the single business data field through a preset query statement; The investor data corresponding to the investor field is extracted, and all the investor data are collected into an investor system according to the business number.

3. The differentiated processing method based on supply chain finance multi-system as claimed in claim 1 is characterized in that: Determining the account system and settlement method system corresponding to the capital system according to the financial business data set includes: Extracting the business data field corresponding to each financial business data in the financial business data set; Query the account field and the settlement method field in the business data field through a query statement; Extracting the account data corresponding to the account field, and extracting the settlement method data corresponding to the settlement method field; Repeatedly screen the account data corresponding to all financial business data, and aggregate the screened account data into the account system corresponding to the capital system; The settlement method data corresponding to all financial business data are repeatedly screened, and the screened settlement method data are collected to form a settlement method system corresponding to the capital system.

4. The differentiated processing method based on multiple supply chain financial systems as claimed in claim 1 is characterized in that: The step of selecting the target account and the target settlement method corresponding to each funding party in the funding party system in the account system and the settlement method system includes: Query the account type and settlement method type corresponding to the capital system according to the preset business number; Counting a first quantity of the account type, and counting a second quantity of the settlement method type; Determine all accounts corresponding to the funding party according to the first quantity and the account type, and determine all settlement methods corresponding to the funding party according to the second quantity and the settlement method type; A mapping relationship between all accounts and all settlement methods corresponding to the funding party and each funding party is constructed, and a target account and a target settlement method corresponding to each funding party are extracted according to the mapping relationship.

5. The differentiated processing method based on supply chain finance multi-system as claimed in claim 1, characterized in that: The generating of the fund business logic corresponding to each funding party according to the target account and the target settlement method includes: Extracting historical settlement method data corresponding to each account in the target account; Filtering the settlement method corresponding to each account from the target settlement method according to the historical settlement method data; Generate business trigger conditions between each account and the settlement method corresponding to each account; Generate the funding business logic corresponding to each funding party based on the business triggering conditions and the preset business transaction operation process.

6. The differentiated processing method based on supply chain finance multi-system as claimed in claim 1, characterized in that: The funding business logic corresponding to all funding parties is encapsulated into a unified standardized business interface, including: Encapsulate the funding business logic corresponding to all funding parties into a funding business interface; Generate unified input parameters and unified output parameters of the unified standardized business interface according to the funding party parameters corresponding to the funding business interface and the preset business transaction parameters; configuring a unified data structure according to the unified input parameter and the unified output parameter; The unified data structure and the unified output parameters are encapsulated into a unified standardized business interface.

7. The differentiated processing method based on supply chain finance multi-system as claimed in claim 1, characterized in that: The security verification of the external communication corresponding to the fund business request includes: Authentication of the sender of the financial service request; When the identity authentication is passed, external communication access control is performed on the fund service request to obtain an access control result, and a service authorization for the fund service request is generated according to the access control result; When the service authorization is valid, a security verification is performed on the communication protocol of the fund service request, a security verification is performed on the request message format of the fund service request, and a security verification is performed on the external connection mode of the fund service request. According to the security verification of the communication protocol, the security verification of the request message format and the security verification of the external connection mode, it is determined whether the external communication corresponding to the fund business request has passed the security verification.

8. The differentiated processing method based on supply chain finance multi-system as claimed in claim 1, characterized in that: The method of using the unified standardized business interface to perform differentiated business logic processing on the verified fund business request to obtain a unified business processing result includes: Standardize the data structure of request parameters in verified fund business requests; Extracting business request parameters from fund business requests with a unified and standardized data structure; Calling the funding service interface in the unified standardized service interface according to the funding party in the service request parameter; The fund business interface is executed according to the business fund parameters in the business request parameters to obtain a unified business processing result.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the differentiated processing method based on supply chain finance multi-system as described in any one of claims 1 to 8.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, it implements the differentiated processing method based on supply chain finance multi-system as described in any one of claims 1 to 8.

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