Business data processing method and device, storage medium and electronic equipment

Abstract

The invention discloses a business data processing method and device, a storage medium and electronic equipment. The method comprises the steps that a target business record is acquired, and the target business record comprises an identity label; the target service record is sent to the third-party platform, and the identity label is used for indicating the identity of a target object requesting for the target service; target voucher data determined by the third-party platform according to the identity label is received, the target voucher data comprises guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target service; and performing multi-level chained auditing based on the target credential data and the target business record, determining a target auditing result, and determining that the target object is allowed to perform the target business under the condition that the target auditing result indicates passing. The technical problem of relatively low business data processing efficiency is solved.

Description

Technical Field

[0001] The present application relates to the field of computers, and in particular to a method and device for processing business data, a storage medium, and an electronic device. Background Art

[0002] Since the processing of existing asset business is often limited by traditional manual operation processes, for example, after the application materials are submitted manually, they rely on non-systematic means such as email reporting for subsequent approval and management, which is not only time-consuming and labor-intensive, but also easily leads to delays in data transmission and processing, and increases the error rate. Therefore, there is a technical problem of low efficiency in processing business data in the existing technology.

[0003] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0004] The embodiments of the present application provide a method and device for processing business data, a storage medium, and an electronic device, so as to at least solve the technical problem of low efficiency in processing business data.

[0005] According to one aspect of an embodiment of the present application, a method for processing business data is provided, including: obtaining a target business record, wherein the target business record includes an identity identifier; sending the target business record to a third-party platform, wherein the identity identifier is used to indicate the identity of a target object requesting to perform the target business; receiving target credential data determined by the third-party platform based on the identity identifier, wherein the target credential data includes guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business; performing a multi-level chain audit based on the target credential data and the target business record to determine a target audit result, and when the target audit result indicates a pass, determining that the target object is allowed to perform the target business.

[0006] According to another aspect of an embodiment of the present application, a business data processing device is also provided, including: an acquisition module, used to acquire a target business record, wherein the target business record includes an identity identifier; a sending module, used to send the target business record to a third-party platform, wherein the identity identifier is used to indicate the identity of a target object requesting to perform the target business; a receiving module, used to receive target credential data determined by the third-party platform based on the identity identifier, wherein the target credential data includes guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business; a determination module, used to perform a multi-level chain audit based on the target credential data and the target business record, determine a target audit result, and determine that the target object is allowed to perform the target business when the target audit result indicates a pass.

[0007] Optionally, the device is used to receive target credential data determined by the third-party platform based on the identity identifier in the following manner: receiving first credential data obtained by the third-party platform in its own storage space based on the identity identifier, wherein the first credential data represents the business resources owned by the target object in the first system and is used to determine the guarantee information; receiving second credential data obtained by the third-party platform in its own storage space based on the identity identifier, wherein the second credential data represents the business resources owned by the target object in the second system and is used to determine the guarantee information, wherein the first system and the second system are different.

[0008] Optionally, the device is also used to: upon obtaining the first credential data and the second credential data, perform a resource comparison operation on the first credential data and the second credential data, wherein the resource comparison operation is used to delete duplicate data in the first credential data and the second credential data, and integrate the first credential data and the second credential data to obtain the target credential data; perform a multi-level chain audit based on the target credential data and the target business records to determine the target audit result, and when the target audit result indicates a pass, determine that the target object is allowed to perform the target business.

[0009] Optionally, the device is used to perform a multi-level chain audit based on the target credential data and the target business records to determine the target audit result in the following manner: retain the third credential data in the target credential data that meets the preset time condition; delete the fourth credential data in the target credential data that does not meet the preset time condition.

[0010] Optionally, the device is also used to: create the data transmission channel between the target system and the third-party platform according to the business process of the target business; and send the target business record to the third-party platform in response to the target interactive operation.

[0011] Optionally, the device is used to perform a multi-level chain audit based on the target credential data and the target business record to determine the target audit result in the following manner: the target business record is received by an initial node in the target system to determine an initial processing state of the target business; the initial processing state and the target credential data are received by an intermediate node in the target system, the initial processing state is updated, and an intermediate processing state is obtained; the intermediate processing state and the target credential data are received by an intermediate node in the target system, the intermediate processing state is updated, and a target processing state is obtained; and the target audit result is generated based on the target processing state and the target credential data.

[0012] Optionally, the device is also used for at least one of the following: generating and sending a first prompt message to a terminal device used by the target object, wherein the first prompt message indicates that the target audit result indicates that the target object is allowed to conduct the target business; generating and sending a second prompt message to the terminal device, wherein the second prompt message indicates that the target audit result indicates that the target object is prohibited from conducting the target business.

[0013] According to another aspect of the embodiments of the present application, a computer-readable storage medium is provided, in which a computer program is stored, wherein the computer program is configured to execute the above-mentioned method for processing business data when running.

[0014] According to another aspect of the embodiment of the present application, a computer program product or a computer program is provided, the computer program product or the computer program includes computer instructions, the computer instructions are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the above method for processing business data.

[0015] According to another aspect of an embodiment of the present application, there is also provided an electronic device, including a memory and a processor, wherein the memory stores a computer program, and the processor is configured to execute the business data processing method through the computer program.

[0016] In the embodiment of the present application, the target business record is obtained, wherein the target business record includes an identity identifier; the target business record is sent to a third-party platform, wherein the identity identifier is used to indicate the identity of the target object requesting the target business; the target credential data determined by the third-party platform according to the identity identifier is received, wherein the target credential data includes the guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business; a multi-level chain audit is performed based on the target credential data and the target business record to determine the target audit result, and when the target audit result indicates passing, the method of allowing the target object to conduct the target business is determined, and by building an automated interface with the third-party platform, the rapid acquisition and synchronization of customer information is achieved, and the processing speed of business data is significantly improved by using an instant data exchange method. At the same time, a multi-level chain audit mechanism is adopted to subdivide the audit process into multiple stages, and each stage automatically receives the data and audit results of the previous stage and performs the next audit, thereby avoiding manual transmission and repeated verification, further improving the audit efficiency, and thus solving the technical problem of low efficiency in processing business data. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0018] Figure 1 is a schematic diagram of an application environment of an optional method for processing business data according to an embodiment of the present application;

[0019] Figure 2 is a flowchart of an optional method for processing business data according to an embodiment of the present application;

[0020] Figure 3 is a schematic diagram of the architecture of an optional method for processing business data according to an embodiment of the present application;

[0021] Figure 4 This is a data interaction diagram of an optional business data processing method according to an embodiment of the present application;

[0022] Figure 5 It is a schematic diagram of process nodes of an optional method for processing business data according to an embodiment of the present application;

[0023] Figure 6 is a schematic diagram of process nodes of another optional method for processing business data according to an embodiment of the present application;

[0024] Figure 7 is a schematic diagram of the structure of an optional service data processing device according to an embodiment of the present application;

[0025] Figure 8 is a schematic diagram of the structure of an optional business data processing product according to an embodiment of the present application;

[0026] Fig. 9 It is a schematic diagram of the structure of an optional electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0027] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0028] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0029] The present application is described below in conjunction with embodiments:

[0030] According to one aspect of an embodiment of the present application, a method for processing business data is provided. Optionally, in this embodiment, the method for processing business data can be applied to: Figure 1 In the hardware environment composed of the server 101 and the terminal device 103 shown in FIG. Figure 1 As shown, the server 101 is connected to the terminal 103 via a network, and can be used to provide services for the terminal device or an application 107 installed on the terminal device. The application can be a video application, an instant messaging application, a browser application, an educational application, a game application, etc. A database 105 may be set up on the server or independently of the server to provide data storage services for the server 101, for example, a game data storage server. The above-mentioned network may include, but is not limited to, a wired network and a wireless network, wherein the wired network includes, a local area network, a metropolitan area network and a wide area network; the wireless network includes, Bluetooth, WIFI and other networks that implement wireless communication; the terminal device 103 may be a terminal configured with an application, and may include, but is not limited to, at least one of the following: a mobile phone (such as an Android phone, an iOS phone, etc.), a laptop computer, a tablet computer, a PDA, a MID (Mobile Internet Devices), a PAD, a desktop computer, a smart TV, an intelligent voice interaction device, a smart home appliance, a vehicle-mounted terminal, an aircraft, a virtual reality (VR) terminal, an augmented reality (AR) terminal, a mixed reality (MR) terminal and other computer devices; the above-mentioned server may be a single server, a server cluster consisting of multiple servers, or a cloud server.

[0031] Combination Figure 1As shown, the above-mentioned method for processing business data can be executed by an electronic device, which can be a terminal device or a server. The above-mentioned method for processing business data can be implemented by the terminal device or the server respectively, or by the terminal device and the server together.

[0032] The above is only an example and is not specifically limited in this embodiment.

[0033] Optionally, as an optional implementation, as Figure 2 As shown, the method for processing the above business data includes:

[0034] S202, obtaining a target business record, wherein the target business record includes an identity identifier;

[0035] S204, sending the target business record to the third-party platform, wherein the identity identifier is used to indicate the identity of the target object requesting the target business;

[0036] S206, receiving target credential data determined by the third-party platform according to the identity identifier, wherein the target credential data includes guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business;

[0037] S208, performing a multi-level chain audit based on the target voucher data and the target business record, determining the target audit result, and when the target audit result indicates a pass, determining that the target object is allowed to conduct the target business.

[0038] Optionally, in an embodiment of the present application, the above-mentioned target business record refers to the one generated within the bank system, which is used to record detailed information of a customer's specific business application, including but not limited to the customer's basic information, business type, application amount and term.

[0039] Optionally, in the embodiment of the present application, the above-mentioned identity identifier refers to information in the target business record that is used to uniquely identify the identity of the target object requesting the target business, including but not limited to data fields such as ID card number, customer number, and mobile phone number that can be used to distinguish different customers. The above-mentioned third-party platform here specifically refers to an external system that can provide additional information or services to assist the bank in completing business approval, including but not limited to the target object's own business platform, other financial institution systems, etc.

[0040] Optionally, in the embodiment of the present application, the third-party platform refers to an external system that can provide additional information or services related to the target business; the target credential data refers to a collection of information directly related to the target business approval that is queried and returned by the third-party platform based on the received identity, including but not limited to guarantee information, credit reports, historical transaction records, etc. Among them, guarantee information is data closely related to the target business that is provided by the third-party platform for the target object, such as guarantee amount, guarantee period, guarantee type, etc.

[0041] Optionally, in an embodiment of the present application, the above-mentioned multi-level chain review refers to a hierarchical and continuous review process designed by the business system that can carry out the target business, which is used to evaluate and approve business applications, including but not limited to preliminary review, re-review, final review and other stages. The review at each stage is based on the target voucher data and target business records, and is automatically executed by auditors or systems at different levels.

[0042] Optionally, in the embodiment of the present application, the above target review result is the final output of the multi-level chain review process, reflecting the bank's approval decision on the target business application, including but not limited to the review status of approval, rejection or need for further information. If the target review result indicates passing, the bank will determine that the target object is allowed to conduct the target business, that is, the business application is approved, and the target object can continue to the next step such as loan disbursement.

[0043] For example, taking the bank's review system as an example, multi-level chain review based on target voucher data and target business records means that the bank's internal system automatically or semi-automatically reviews the business applications submitted by customers at each level according to preset review processes and rules, from the preliminary review submitted by the account manager to the multi-level review and approval of the branch, second-level branch, provincial branch, etc. Each step of the review is based on the latest data information, ensuring the efficiency of the review process and the accuracy of the decision-making.

[0044] In an exemplary embodiment, the account manager first enters the customer's identity and other basic information into the bank system, which triggers the generation of the target business record. Subsequently, the bank system automatically sends the target business record to the agricultural guarantee company platform, which queries and returns the guarantee information about the customer based on the received identity, that is, the target voucher data. After the bank system receives the target voucher data, it combines it with the information in the target business record and automatically starts a multi-level chain review process. Starting from the initial review, each level of review makes a decision based on the complete data set. After all review levels are passed, the system finally determines that the target object is allowed to conduct the target business.

[0045] Through the embodiment of the present application, the target business record is obtained, wherein the target business record includes an identity identifier; the target business record is sent to a third-party platform, wherein the identity identifier is used to indicate the identity of the target object requesting the target business; the target credential data determined by the third-party platform according to the identity identifier is received, wherein the target credential data includes the guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business; a multi-level chain audit is performed based on the target credential data and the target business record to determine the target audit result, and when the target audit result indicates passing, the method of allowing the target object to conduct the target business is determined, and by building an automated interface with the third-party platform, the rapid acquisition and synchronization of customer information is achieved, and the processing speed of business data is significantly improved by using an instant data exchange method. At the same time, a multi-level chain audit mechanism is adopted to subdivide the audit process into multiple stages, and each stage automatically receives the data and audit results of the previous stage and performs the next audit, thereby avoiding manual transmission and repeated verification, further improving the audit efficiency, and thus solving the technical problem of low efficiency in processing business data.

[0046] As an optional scheme, the above-mentioned receiving the target credential data determined by the above-mentioned third-party platform according to the above-mentioned identity identifier includes: receiving the first credential data obtained by the above-mentioned third-party platform in its own storage space according to the above-mentioned identity identifier, wherein the above-mentioned first credential data represents the business resources owned by the above-mentioned target object in the first system and is used to determine the above-mentioned guarantee information; receiving the second credential data obtained by the above-mentioned third-party platform in its own storage space according to the above-mentioned identity identifier, wherein the above-mentioned second credential data represents the business resources owned by the above-mentioned target object in the second system and is used to determine the above-mentioned guarantee information, wherein the above-mentioned first system and the above-mentioned second system are different.

[0047] Optionally, in an embodiment of the present application, the above-mentioned first credential data refers to business resources related to the guarantee information owned by the target object in the first system, including but not limited to customer approval records, historical guarantee amounts, credit ratings and other information in the agricultural guarantee company system; the above-mentioned second credential data refers to business resources related to the guarantee information owned by the target object in the second system, which may be credit reports from other financial institutions, customer registration information, or financial status from other third-party data sources.

[0048] In an exemplary embodiment, when the account manager submits the target business record containing the identity identifier in the bank system, the bank system automatically calls the interface of the agricultural guarantee company. The agricultural guarantee company retrieves and returns the first voucher data in its own storage space based on the identity identifier, that is, the historical loan guarantee situation of the customer within the agricultural guarantee company; at the same time, the agricultural guarantee company also obtains the second voucher data from the systems of other financial institutions with which it cooperates, such as the customer's loan record and credit status in other banks. After receiving these data, the bank system integrates them into the target voucher data for subsequent multi-level chain review, ensuring the comprehensiveness and real-time nature of the information in the review process.

[0049] Through the embodiments of the present application, by obtaining credential data from different systems, the technical effects of integrated information processing and automated review processes are achieved, thereby achieving the purpose of improving business data processing efficiency while ensuring decision-making accuracy and customer satisfaction.

[0050] As an optional solution, the method further includes: when the first credential data and the second credential data are obtained, performing a resource comparison operation on the first credential data and the second credential data, wherein the resource comparison operation is used to delete duplicate data in the first credential data and the second credential data, and integrate the first credential data and the second credential data to obtain the target credential data; performing a multi-level chain audit based on the target credential data and the target business record to determine the target audit result, and when the target audit result indicates a pass, determining that the target object is allowed to perform the target business.

[0051] Optionally, in an embodiment of the present application, the above-mentioned resource comparison operation refers to a data processing process, the purpose of which is to analyze and integrate the first credential data and the second credential data received from different systems, including but not limited to data cleaning, deduplication, format unification and other operations. This operation ensures the accuracy and consistency of the data and avoids decision-making errors caused by duplicate data or format mismatch.

[0052] In an exemplary embodiment, when a business application enters the review stage, the bank system not only obtains the first voucher data from the agricultural guarantee company, but also obtains the second voucher data from other business systems. Before conducting a multi-level chain review, the system first performs a resource comparison operation to compare and eliminate duplicate parts of the two data, such as the same credit score record, multiple occurrences of guarantee amount, etc., to ensure that each piece of data is independent and up-to-date. Then, the system integrates the processed voucher data into the target voucher data and submits it to the review process together with the target business record, supporting the subsequent decision-making process.

[0053] Through the embodiments of the present application, the technology of resource comparison and data integration is adopted to achieve the technical effect of accurate processing and efficient use of information, and achieve the purpose of optimizing business processes and improving approval accuracy and efficiency.

[0054] As an optional solution, the above-mentioned multi-level chain audit is performed based on the above-mentioned target credential data and the above-mentioned target business records to determine the above-mentioned target audit result, including: retaining the third credential data in the above-mentioned target credential data that meets the preset time condition; deleting the fourth credential data in the above-mentioned target credential data that does not meet the above-mentioned preset time condition.

[0055] Optionally, in an embodiment of the present application, the above-mentioned preset time condition refers to a time standard formulated according to business needs and data timeliness, which is used to determine whether the credential data is expired or whether it should be considered in the current business decision, including but not limited to the creation date, update date or validity period of the data; the above-mentioned third credential data refers to those credential data that meet the preset time conditions, which means that these data are valid and should be referenced in the current business decision; the above-mentioned fourth credential data refers to credential data that does not meet the preset time conditions, and the fourth credential data may include but is not limited to no longer reflecting the latest business status of the target object because of a long time, and therefore should be eliminated in the current business decision.

[0056] In an exemplary embodiment, after receiving the target voucher data, the bank system will check the timestamp in the voucher data to determine whether the data is within a preset time window. For example, the preset time condition can be that the validity period of the data is 30 days, and the system will retain the third voucher data updated within 30 days, such as recent credit assessments, the latest guarantee information, etc.; at the same time, the system will delete the fourth voucher data that has not been updated for more than 30 days, such as expired financial statements, old versions of credit records, etc., to ensure that the review decision is based on the most timely and accurate information.

[0057] Through the embodiment of the present application, the technology of filtering data by time condition is adopted to achieve the technical effect of controlling the timeliness and accuracy of data, and achieve the purpose of improving the quality and efficiency of business decision-making. This method effectively avoids the risks that can be brought about by making decisions based on outdated data, and ensures the latest and reliability of the information that the bank relies on when processing business.

[0058] As an optional solution, the method further includes: creating the data transmission channel between the target system and the third-party platform according to the business process of the target business; and sending the target business record to the third-party platform in response to the target interactive operation.

[0059] Optionally, in an embodiment of the present application, the above-mentioned data transmission channel refers to a communication link established between the target system and the third-party platform for efficiently and securely transmitting business data, including but not limited to API interface, data synchronization channel, encrypted transmission link, etc., to ensure seamless connection and real-time updating of data between different systems; the above-mentioned target interaction operation refers to a request or instruction initiated by the target system or user for exchanging data with a third-party platform, including but not limited to operations such as submitting business applications, requesting data updates, and querying review status.

[0060] In an exemplary embodiment, if it is necessary to obtain the guarantee information of the customer from the agricultural guarantee company, the target system, i.e. the integrated management platform, will send the target business record to the agricultural guarantee company through the pre-created data transmission channel according to the specific business process, and request to obtain the latest guarantee information related to the business application.

[0061] As an optional solution, the above-mentioned multi-level chain audit is performed based on the above-mentioned target credential data and the above-mentioned target business records to determine the above-mentioned target audit result, including: the initial node in the target system receives the above-mentioned target business record to determine the initial processing status of the above-mentioned target business; the intermediate node in the above-mentioned target system receives the above-mentioned initial processing status and the above-mentioned target credential data, updates the above-mentioned initial processing status, and obtains the intermediate processing status; the intermediate node in the above-mentioned target system receives the above-mentioned intermediate processing status and the above-mentioned target credential data, updates the above-mentioned intermediate processing status, and obtains the target processing status; and the above-mentioned target audit result is generated based on the above-mentioned target processing status and the above-mentioned target credential data.

[0062] Optionally, in the embodiment of the present application, the initial node refers to the starting point of the business process in the target system, which receives the target business record, records and determines the initial processing status of the business, which usually includes but is not limited to the status of "pending review" and "pending submission", reflecting the initial stage of the business process. The intermediate node is the transition processing point of the business process in the target system, responsible for receiving the initial processing status from the initial node and the target credential data from the third-party platform, updating and processing the business status, and generating an intermediate processing status; the above target processing status is obtained after further processing by the intermediate node, which is the basis for generating the final target review result.

[0063] In an exemplary embodiment, a user submits a loan application as a target business record in the system. At this time, the initial node in the system receives this record and determines that its initial processing status is "pending review". Subsequently, the intermediate node 1 receives the target voucher data, such as the guarantee approval form, the customer's agricultural business situation, etc., according to the feedback of the business platform interface corresponding to the target object, and updates the business status based on these data. The status can be changed to "under review", and a preliminary data compliance check is performed to generate an intermediate processing status. Then, the intermediate node 2 continues to receive the intermediate processing status and target voucher data, which may include a more detailed credit assessment and risk assessment, and further updates the business status to "pending for approval by the leader" to obtain the target processing status. Finally, based on the target processing status and the target voucher data, the system generates the final target review result to decide whether to approve the loan.

[0064] Through the embodiments of the present application, the node processing and status update technologies are adopted to achieve the technical effects of automated management of business processes and accurate generation of audit results, thereby achieving the purpose of improving business processing efficiency and reducing operating costs, ensuring that each step of the business process is processed in detail, avoiding information omissions and processing errors, and facilitating monitoring and auditing, thereby improving the transparency and controllability of the process.

[0065] As an optional scheme, the above method also includes at least one of the following: generating and sending a first prompt message to the terminal device used by the above target object, wherein the above first prompt message indicates that the above target review result indicates that the above target object is allowed to conduct the above target business; generating and sending a second prompt message to the above terminal device, wherein the above second prompt message indicates that the above target review result indicates that the above target object is prohibited from conducting the above target business.

[0066] Optionally, in the embodiment of the present application, the terminal device refers to a device used by the target object to receive banking service information, including but not limited to a smart phone, a personal computer, a tablet computer, etc. The target review result is the final review conclusion of the target business application in the business process, including but not limited to approval or rejection, which is based on a series of business rules and the analysis results of the voucher data. The first prompt information and the second prompt information are generated according to the target review result, and are used to provide instant feedback to the target object on the status of its business application.

[0067] In an exemplary embodiment, corresponding prompt information can be generated based on the target review result. If the review result is that the target business is allowed, the system will automatically generate a first prompt information, such as "Dear customer, your application has been approved, please log in to website A to view the details and make the payment." This information will be sent to the terminal device of the target object through the mobile phone number or email address reserved by the target object.

[0068] On the contrary, if the review result is that the target business is prohibited, the system will automatically generate a second prompt message, such as "Dear customer, unfortunately your application has not passed this review for the following reasons: XXX. You can resubmit your application or contact our customer representative for more information." This message will also be sent to the target object's terminal device to ensure that it receives clear feedback.

[0069] Through the embodiment of the present application, the technology of automatically generating and sending prompt information is adopted to achieve the technical effect of instant feedback of audit results and customer communication, and achieve the purpose of improving customer service quality, enhancing customer trust and optimizing bank operation procedures. This method not only improves the communication efficiency between banks and customers, but also ensures the accuracy and timeliness of information transmission, making the customer experience smoother and more satisfactory, but also reduces the workload of bank personnel and improves operational efficiency.

[0070] In an exemplary embodiment, considering the close correlation between asset business and regional economy, the existing general system often cannot fully adapt to the personalized needs of each branch. In the business application process, there is a lack of effective system tools to support business operations, which makes it difficult for management to fully grasp and effectively manage the application process for loans and other businesses. For this reason, the embodiment of the present application abstracts the business process with the help of digital business tools, thereby effectively assisting the decision-making level in business management.

[0071] It should be noted that, assuming that the target system is the Xiangjin Comprehensive Management Platform, the mainstream technical architecture can be used to ensure efficient and stable operation from the front end to the back end. Its front-end interface design incorporates open source technologies and components such as Jquery, Vue, and ElementUI, providing users with an intuitive and convenient operation experience. The back end relies on the mature Spring Boot framework to achieve effective interaction with the Oracle database and ensure the security and reliability of data. In addition, the Xiangjin Comprehensive Management Platform is connected to the big data cloud platform, the new generation of core systems, and third-party data sources to build a comprehensive data ecosystem, realize cross-system data circulation, and ensure the smooth progress of a single business process inside and outside the bank.

[0072] The township finance integrated management platform has standardized the application process and reserved sufficient expansion space, so that the approval process can be abstracted into reusable components to meet the process requirements of more products in the future. At the same time, the platform uses multi-level and multi-state data statistics functions combined with data visualization technology to achieve efficient integration and display of complex business data, thereby helping management to better understand business dynamics and improve decision-making efficiency and execution.

[0073] It should be noted that application submission, in the financial field, usually refers to the process of a client submitting application materials to a financial institution in order to obtain a certain financial service or product, such as a loan, credit card, etc. The financial institution will review the materials submitted by the client to decide whether to approve the client's application. This process may include identity verification, credit assessment, proof of income, and other steps.

[0074] Specifically, the specific implementation steps of the approval flow that can be abstracted into reusable components include but are not limited to: the account manager fills in the customer information; the target system automatically calls the interface of the Agricultural Guarantee Company to obtain the guarantee approval form and additional customer information; the account manager submits for review; the branch reviews; the second-level branch reviews; the provincial bank conducts preliminary review; the provincial bank reviews again; the leader signs and approves; synchronizes with the head office's core system; completes the loan application, and the customer can see the credit limit on the mobile APP and make payments.

[0075] The loan products mentioned in the embodiments of this application do not require physical collateral, but rely on third-party guarantees or other non-physical forms of guarantees. This type of loan has the characteristics of fast approval, high flexibility, high risk, and limited quota. The main responsibility of the above-mentioned agricultural guarantee company is to provide credit guarantee services for agriculture and help solve the funding problems in agricultural production and operation. The guarantee materials here are first submitted by the bank to the agricultural guarantee company. Basic information of the customer, such as ID number, name, loan amount, etc. The agricultural guarantee company supplements the farmer's relevant production and operation information data and guarantee information feedback to the bank. When the borrower fails to repay the principal and interest of the loan to the lender on time, the guarantee company shall assume the guarantee liability in accordance with the guarantee agreement during the claim stage.

[0076] Understandably, the traditional method is for the account manager to submit the customer materials to the agricultural guarantee company offline. After the agricultural guarantee company approves it, the account manager obtains the guarantee materials and enters them into the bank's internal system to proceed with the next step of the approval process. The rural finance comprehensive management platform realizes the connection with the third party (agricultural guarantee company) system level. The account manager enters the customer information in the system and submits the relevant materials to the agricultural guarantee company. The system automatically obtains the electronic version of the guarantee approval form of the agricultural guarantee company and associates it with the corresponding customer.

[0077] Since the existing application approval process relies on email reporting and other methods, there is no systematic tool support, which shows the characteristics of delayed timeliness, extensive management, and low efficiency; in addition, the traditional application approval process only focuses on the internal part of the bank, and the rural financial asset business relies on the guarantee materials of the agricultural guarantee company. The guarantee materials are related to the product type of bank loans. For example, bank loans are divided into many product types. For example, mortgage loans usually refer to loans applied to lending institutions by borrowers using their assets (such as real estate, vehicles or other tangible property) as collateral. This type of loan has the characteristics of low risk, low interest rate, high limit, long term, and complex operation process.

[0078] In an exemplary embodiment, Figure 3 is a schematic diagram of the architecture of an optional method for processing business data according to an embodiment of the present application. The overall system architecture of the embodiment of the present application is as follows Figure 3 As shown, Figure 4 is a data interaction diagram of an optional business data processing method according to an embodiment of the present application, and the data flow interaction is as follows Figure 4 As shown, the data flow is initiated by the township financial management platform, and a layer of message standardization is performed through the internal management and external call service. A unified export for the interaction between the bank's internal system and the third-party company is realized through the interface. For example, common component capabilities such as transaction monitoring, data encryption, and message processing are realized. The third-party agricultural guarantee company interface is called through the interface to obtain additional customer information data and guarantee approval form attachments. The data then enters the intranet system through the interface, passes through the internal management gateway, and the gateway's main functions are encryption and decryption and load balancing, and is finally transmitted to the township financial management platform system.

[0079] Exemplarily, the embodiments of the present application can achieve the following functions:

[0080] S1, loan application, the bank account manager fills in the customer's basic information and additional information, and after submission, it enters the approval stage of the Agricultural Guarantee Company.

[0081] S2, pending preliminary review and application, Figure 5 is a schematic diagram of a process node of an optional method for processing business data according to an embodiment of the present application, such as Figure 5 As shown in the figure, the business record after the approval of the Agricultural Guarantee Company will be associated with the supplementary information such as the guarantee approval form and approval number pushed by the Agricultural Guarantee Company. The handling personnel will then initiate the review operation in the system and enter the loan application preliminary review and approval flow. The bank account manager will initiate it during the loan application stage and fill in the basic information of the customer. This is a business record. The Agricultural Guarantee Company will supplement the production and operation of the customer based on the basic information, such as the customer's related persons, real estate, other bank loans, equity structure of the operating entity, and guarantee information, and associate the guarantee information with the same business record, and record the operation time.

[0082] S3, pending review and application, Figure 6 is a schematic diagram of a process node of another optional method for processing business data according to an embodiment of the present application, such as Figure 6 As shown, the business records after the preliminary review process will be transferred to the provincial branch (intermediate node) level, and the business personnel of the Rural Revitalization Finance Department of the provincial branch will review the records and enter the loan application review and approval process.

[0083] S4, data statistics, the target system can provide a summary query list of the handling agency dimension, which can query all customer loan application records under a certain agency, including agricultural guarantee approval number, initial review number, review number and other elements; provide full-process tracking of a single business record, which can query the current process status of a single business record; provide imported customer query of the customer dimension, which can query all historical loan application records and detailed information of a certain customer; provide business progress notification of the agency dimension, and can select the second-level branch and sub-branch to query the number of reserve applications, reserve amount, and number of in-transit applications in various statuses of a certain agency; provide a customer approval list of the review dimension, which can query the total number of customers approved in each review process, the total amount, the number of second-level branches involved, the number of sub-branches involved, and other information; provide a visual data dashboard, including the number of applications submitted, amount analysis (articles, 10,000 yuan) in the bar chart, daily application amount analysis (10,000 yuan) in the curve chart, new amount ratio analysis (10,000 yuan) in the pie chart, first-level classification ratio analysis (10,000 yuan), and average approval process analysis (days) in the heat map.

[0084] Through the embodiments of the present application, a variety of mainstream technology stacks are integrated, and multiple data sources are connected to solve the pain points of product submission, approval and consultation project process management, and strengthen the effective connection of various links in the project; online process management replaces manual ledgers, emails, etc., and at the same time collects system data as the only data source for future statistical analysis, so as to further improve the level of refinement of approval project process management.

[0085] It is understandable that in the specific implementation of this application, related data such as user information is involved. When the above embodiments of this application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards of relevant countries and regions.

[0086] It should be noted that, for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the present application.

[0087] According to another aspect of the embodiment of the present application, a device for processing business data for implementing the above-mentioned business data processing method is also provided. Figure 7 As shown, the device comprises:

[0088] An acquisition module 702 is used to acquire a target business record, wherein the target business record includes an identity identifier;

[0089] A sending module 704 is used to send the target service record to a third-party platform, wherein the identity identifier is used to indicate the identity of the target object requesting the target service;

[0090] A receiving module 706 is used to receive target credential data determined by the third-party platform according to the identity identifier, wherein the target credential data includes guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business;

[0091] The determination module 708 is used to perform a multi-level chain audit based on the target credential data and the target business record, determine the target audit result, and determine to allow the target object to conduct the target business when the target audit result indicates a pass.

[0092] As an optional solution, the above-mentioned device is used to receive target credential data determined by a third-party platform based on an identity identifier in the following manner: receiving first credential data obtained by the third-party platform in its own storage space based on the identity identifier, wherein the first credential data represents the business resources owned by the target object in the first system and is used to determine the guarantee information; receiving second credential data obtained by the third-party platform in its own storage space based on the identity identifier, wherein the second credential data represents the business resources owned by the target object in the second system and is used to determine the guarantee information, wherein the first system and the second system are different.

[0093] As an optional solution, the above-mentioned device is also used to: when the first credential data and the second credential data are obtained, perform a resource comparison operation on the first credential data and the second credential data, wherein the resource comparison operation is used to delete duplicate data in the first credential data and the second credential data, and integrate the first credential data and the second credential data to obtain target credential data; perform a multi-level chain audit based on the target credential data and the target business record to determine the target audit result, and when the target audit result indicates a pass, determine to allow the target object to conduct the target business.

[0094] As an optional solution, the above-mentioned device is used to perform a multi-level chain audit based on the target credential data and the target business records in the following manner to determine the target audit result: retain the third credential data in the target credential data that meets the preset time condition; delete the fourth credential data in the target credential data that does not meet the preset time condition.

[0095] As an optional solution, the above device is also used to: create a data transmission channel between the target system and the third-party platform according to the business process of the target business; and send the target business record to the third-party platform in response to the target interactive operation.

[0096] As an optional solution, the above-mentioned device is used to perform a multi-level chain audit based on the target credential data and the target business record to determine the target audit result in the following manner: the initial node in the target system receives the target business record and determines the initial processing status of the target business; the intermediate node in the target system receives the initial processing status and the target credential data, updates the initial processing status, and obtains the intermediate processing status; the intermediate node in the target system receives the intermediate processing status and the target credential data, updates the intermediate processing status, and obtains the target processing status; and generates the target audit result based on the target processing status and the target credential data.

[0097] As an optional solution, the above-mentioned device is also used for at least one of the following: generating and sending a first prompt message to a terminal device used by the target object, wherein the first prompt message indicates that the target review result indicates that the target object is allowed to conduct the target business; generating and sending a second prompt message to the terminal device, wherein the second prompt message indicates that the target review result indicates that the target object is prohibited from conducting the target business.

[0098] In the embodiments of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program with a predetermined function, and works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as processing circuits or memories) or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be part of an overall module or unit that includes the function of the module or unit.

[0099] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0100] According to one aspect of the present application, a computer program product is provided. The computer program product includes a computer program.

[0101] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0102] Figure 8 The structure block diagram of a computer system for implementing an electronic device according to an embodiment of the present application is schematically shown.

[0103] It should be noted that Figure 8 The computer system 800 of the electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0104] like Figure 8As shown, the computer system 800 includes a central processing unit 801 (CPU), which can perform various appropriate actions and processes according to the program stored in the read-only memory 802 (ROM) or the program loaded from the storage part 808 to the random access memory 803 (RAM). Various programs and data required for system operation are also stored in the random access memory 803. The central processing unit 801, the read-only memory 802 and the random access memory 803 are connected to each other through a bus 804. The input / output interface 805 (Input / Output interface, i.e., I / O interface) is also connected to the bus 804.

[0105] The following components are connected to the input / output interface 805: an input section 806 including a keyboard, a mouse, etc.; an output section 807 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 808 including a hard disk, etc.; and a communication section 809 including a network interface card such as a local area network card, a modem, etc. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the input / output interface 805 as needed. A removable medium 811, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 810 as needed so that a computer program read therefrom is installed into the storage section 808 as needed.

[0106] In particular, according to an embodiment of the present application, the process described in each method flow chart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product, which includes a computer program carried on a computer readable medium, and the computer program contains a program code for executing the method shown in the flow chart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 809, and / or installed from the removable medium 811. When the computer program is executed by the central processor 801, various functions defined in the system of the present application are executed.

[0107] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 809, and / or installed from the removable medium 811. When the computer program is executed by the central processor 801, various functions provided by the embodiment of the present application are performed.

[0108] According to another aspect of the embodiment of the present application, an electronic device for implementing the above-mentioned business data processing method is also provided. The electronic device may be Figure 1 The terminal device or server shown in the figure. This embodiment is described by taking the electronic device as a terminal device as an example. Fig. 9 As shown, the electronic device includes a memory 902 and a processor 904. The memory 902 stores a computer program, and the processor 904 is configured to execute the steps in any of the above method embodiments through the computer program.

[0109] Optionally, in this embodiment, the electronic device may be located in at least one network device among a plurality of network devices of a computer network.

[0110] Optionally, in this embodiment, the above-mentioned processor can be configured to execute the methods in each embodiment of the present application through a computer program.

[0111] Alternatively, a person skilled in the art may understand that: Fig. 9 The structure shown is for illustration only. Fig. 9 The structure of the electronic device is not limited. Fig. 9 More or fewer components (such as network interfaces, etc.) as shown in, or with Fig. 9 Different configurations shown.

[0112] Among them, the memory 902 can be used to store software programs and modules, such as program instructions / modules corresponding to the business data processing method and device in the embodiments of the present application. The processor 904 executes various functional applications and data processing by running the software programs and modules stored in the memory 902, that is, realizing the above-mentioned business data processing method. The memory 902 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 902 may further include a memory remotely located relative to the processor 904, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof. Among them, the memory 902 can be specifically, but not limited to, used to store the above-mentioned business data and other information. As an example, such as Fig. 9 As shown, the memory 902 may include, but is not limited to, the acquisition module 702, the sending module 704, the receiving module 706, and the determination module 708 in the business data processing device. In addition, it may also include, but is not limited to, other module units in the business data processing device, which will not be repeated in this example.

[0113] Optionally, the transmission device 906 is used to receive or send data via a network. Specific examples of the above-mentioned network may include a wired network and a wireless network. In one example, the transmission device 906 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices and routers via a network cable so as to communicate with the Internet or a local area network. In one example, the transmission device 906 is a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0114] In addition, the electronic device further includes: a display 908 for displaying the business data; and a connection bus 910 for connecting various module components in the electronic device.

[0115] In other embodiments, the terminal device or server may be a node in a distributed system, wherein the distributed system may be a blockchain system, and the blockchain system may be a distributed system formed by connecting the multiple nodes through network communication. The nodes may form a peer-to-peer network, and any form of computing device, such as a server, terminal or other electronic device, may become a node in the blockchain system by joining the peer-to-peer network.

[0116] According to one aspect of the present application, a computer-readable storage medium is provided, and a processor of an electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the electronic device executes the business data processing method provided in various optional implementation methods of the above-mentioned business data processing.

[0117] Optionally, in this embodiment, the above-mentioned computer-readable storage medium can be configured to store data for executing the methods in various embodiments of the present application.

[0118] Optionally, in this embodiment, a person of ordinary skill in the art may understand that all or part of the steps in the various methods of the above embodiments may be completed by instructing hardware related to the terminal device through a program, and the program may be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a disk or an optical disk, etc.

[0119] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0120] If the integrated units in the above embodiments are implemented in the form of software functional units and sold or used as independent products, they can be stored in the above computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for one or more electronic devices to execute all or part of the steps of the methods described in each embodiment of the present application.

[0121] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0122] In the several embodiments provided in the present application, it should be understood that the disclosed application can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0123] The units described as separate components may or may not be physically separated, and the components shown as units 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 units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0124] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or 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 software functional units.

[0125] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for processing business data, characterized in that: include: Acquire a target business record, wherein the target business record includes an identity identifier; Sending the target service record to a third-party platform, wherein the identity identifier is used to indicate the identity of the target object requesting the target service; Receiving target credential data determined by the third-party platform according to the identity identifier, wherein the target credential data includes guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business; A multi-level chain audit is performed based on the target credential data and the target business record to determine a target audit result. If the target audit result indicates a pass, it is determined that the target object is allowed to conduct the target business.

2. The method according to claim 1, characterized in that The receiving target credential data determined by the third-party platform according to the identity identifier includes: Receiving first credential data acquired by the third-party platform in its own storage space according to the identity identifier, wherein the first credential data represents a business resource owned by the target object in the first system and used to determine the guarantee information; Receive second credential data obtained by the third-party platform in its own storage space according to the identity identifier, wherein the second credential data represents the target object's possession in the second system and is used to determine the guarantee information business resource, wherein the first system and the second system are different.

3. The method according to claim 2, characterized in that The method further comprises: In the case where the first credential data and the second credential data are obtained, performing a resource comparison operation on the first credential data and the second credential data, wherein the resource comparison operation is used to delete duplicate data in the first credential data and the second credential data, and integrate the first credential data and the second credential data to obtain the target credential data; A multi-level chain audit is performed based on the target credential data and the target business record to determine the target audit result. If the target audit result indicates a pass, it is determined that the target object is allowed to conduct the target business.

4. The method according to claim 1, characterized in that: The performing of multi-level chain audit based on the target credential data and the target business record to determine the target audit result includes: retaining the third credential data in the target credential data that meets the preset time condition; The fourth credential data in the target credential data that does not meet the preset time condition is deleted.

5. The method according to claim 1, characterized in that: The method further comprises: Creating the data transmission channel between the target system and the third-party platform according to the business process of the target business; In response to the target interactive operation, the target business record is sent to the third-party platform.

6. The method according to claim 1, characterized in that The performing of multi-level chain audit based on the target credential data and the target business record to determine the target audit result includes: An initial node in the target system receives the target service record and determines an initial processing state of the target service; The intermediate node in the target system receives the initial processing state and the target credential data, updates the initial processing state, and obtains an intermediate processing state; The intermediate node in the target system receives the intermediate processing state and the target credential data, updates the intermediate processing state, and obtains the target processing state; The target audit result is generated based on the target processing status and the target credential data.

7. The method according to claim 1, characterized in that The method further comprises at least one of the following: Generate and send a first prompt message to a terminal device used by the target object, wherein the first prompt message indicates that the target audit result indicates that the target object is allowed to conduct the target business; Generate and send a second prompt message to the terminal device, wherein the second prompt message indicates that the target audit result indicates that the target object is prohibited from performing the target business.

8. A device for processing business data, characterized in that: include: An acquisition module, used to acquire a target business record, wherein the target business record includes an identity identifier; A sending module, used for sending the target service record to a third-party platform, wherein the identity identifier is used to indicate the identity of the target object requesting the target service; A receiving module, configured to receive target credential data determined by the third-party platform according to the identity identifier, wherein the target credential data includes guarantee information provided by the third-party platform for the target object, and the guarantee information is related to the target business; A determination module is used to perform a multi-level chain audit based on the target credential data and the target business record, determine the target audit result, and determine to allow the target object to conduct the target business when the target audit result indicates a pass.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored computer program, wherein the computer program can be executed by an electronic device to perform the method described in any one of claims 1 to 7.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method described in any one of claims 1 to 7 are implemented.

11. An electronic device comprising a memory and a processor, characterized in that: A computer program is stored in the memory, and the processor is configured to execute the method according to any one of claims 1 to 7 through the computer program.

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