Business processing method, system, equipment, medium and product

Abstract

The invention provides a business processing method which can be used in the financial science and technology field or other fields. The business processing method is applied to a business centralized processing platform, the business centralized processing platform is connected with a business management module and a data review module, and the method comprises the following steps: in response to a received business processing request, obtaining transaction data and affiliated enterprise information in the business processing request; transmitting the enterprise information to a business management module, enabling the business management module to call a third-party supervision mechanism to perform qualification examination on the enterprise information, and determining a corresponding enterprise category according to a qualification examination result; transmitting the enterprise category and the transaction data to a data review module, and enabling the data review module to review the enterprise category and the transaction data; and receiving a review result fed back from the data review module, and controlling the service processing request according to the review result. The invention further provides a business processing system, equipment, a medium and a product.

Description

Technical Field

[0001] The present disclosure can be used in the field of financial technology or other fields, and specifically relates to a business processing method, system, equipment, medium and product. Background Art

[0002] Currently, in the business processing flow of the financial technology field, tellers need to review customer information and corporate qualifications, and business review information is usually scattered among multiple external regulatory or review systems. Tellers need to log in and switch systems multiple times when querying information. Due to the large number of manual verification operations, the traditional manual review and verification method can no longer meet business needs, which easily leads to low business processing efficiency.

[0003] At the same time, in the event of a bank teller's misoperation, it is easy for a business that fails the review to be released by mistake. When it is verified afterwards, it has already triggered the review of the external regulatory agency, affecting the company's business processing efficiency. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a business processing method, system, device, medium and product, which can improve the efficiency of enterprise qualification review and business processing.

[0005] According to the first aspect of the present disclosure, a business processing method is provided, which is applied to a business centralized processing platform, and the business centralized processing platform is connected to a business management module and a data review module respectively, and the method includes: in response to receiving a business processing request, obtaining transaction data and attributed enterprise information in the business processing request; transmitting the enterprise information to the business management module, so that the business management module calls a third-party regulatory agency to conduct a qualification review of the enterprise information, and determines the corresponding enterprise category according to the qualification review result; transmitting the enterprise category and transaction data to the data review module, so that the data review module reviews the enterprise category and transaction data; receiving the review result fed back from the data review module, and controlling the business processing request according to the review result.

[0006] According to an embodiment of the present disclosure, obtaining transaction data and attributed enterprise information in a business processing request includes: identifying the business type of the business processing request; when the business type meets predetermined conditions, obtaining transaction data and attributed enterprise information in the business processing request, wherein the enterprise information is information pre-registered with a third-party regulatory agency.

[0007] According to an embodiment of the present disclosure, transmitting enterprise categories and transaction data to a data review module includes: preprocessing the transaction data; extracting multiple elements to be reviewed from the preprocessed transaction data; and transmitting the enterprise categories and multiple elements to be reviewed to the data review module.

[0008] According to an embodiment of the present disclosure, the data review module reviews the enterprise category and transaction data, including: the data review module calls a pre-configured rule base, which stores multiple rules; according to each rule of the rule base, the enterprise category and multiple elements to be reviewed are reviewed to obtain intermediate review results; when the intermediate review results corresponding to each rule of the rule base are all passed, the review result of the data review module is determined to be passed.

[0009] According to an embodiment of the present disclosure, transmitting enterprise categories and transaction data to a data review module further includes: extracting a minimum portion of data from the transaction data that meets the data volume requirements of the data review module; and transmitting the enterprise categories and the minimum portion of data to the data review module.

[0010] According to an embodiment of the present disclosure, controlling the business processing request according to the review result includes: if the review result is passed, releasing the business processing request; if the review result is failed, intercepting the business processing request and generating prompt information according to the review result.

[0011] The second aspect of the present disclosure provides a business processing system, including a business centralized processing platform, a business management module, a third-party regulatory agency and a data review module, wherein the business centralized processing platform is connected to the business management module and the data review module respectively, and the business management module is connected to the third-party regulatory agency, wherein: the business centralized processing platform is used to respond to receiving a business processing request, obtain transaction data and attributed enterprise information in the business processing request, transmit the enterprise information to the business management module, and transmit the transaction data to the data review module; the business management module is used to call the third-party regulatory agency to conduct a qualification review of the enterprise information, determine the corresponding enterprise category according to the qualification review results, and transmit the enterprise level to the data review module; the data review module is used to review the enterprise category and transaction data; the business centralized processing platform is also used to receive the review results fed back from the data review module, and control the business processing request according to the review results.

[0012] According to an embodiment of the present disclosure, the centralized business processing platform is also used to: pre-process transaction data; extract multiple elements to be reviewed from the pre-processed transaction data; and transmit the multiple elements to be reviewed to a data review module.

[0013] According to an embodiment of the present disclosure, the business processing system also includes a preconfigured rule base, which stores multiple rules; the data review module is also used to: call the rule base, review the enterprise category and multiple elements to be reviewed according to each rule of the rule base, and obtain an intermediate review result; when the intermediate review results corresponding to each rule of the rule base are all passed, determine that the review result of the data review module is passed.

[0014] According to an embodiment of the present disclosure, the rule base is updated according to business scenarios and regulatory requirements.

[0015] A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above method.

[0016] The fourth aspect of the present disclosure further provides a computer-readable storage medium having a computer program or instructions stored thereon, which implements the steps of the above method when the above computer program or instructions are executed by a processor. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0018] Figure 1 A flowchart of a business processing method according to an embodiment of the present disclosure is schematically shown;

[0019] Figure 2 A flowchart schematically shows enterprise categories and transaction data transmission according to an embodiment of the present disclosure;

[0020] Figure 3 A flowchart schematically shows a review process of a data review module according to an embodiment of the present disclosure;

[0021] Figure 4 A flowchart for controlling a business processing request according to an embodiment of the present disclosure is schematically shown;

[0022] Figure 5 The structure block diagram of the business processing system according to an embodiment of the present disclosure is schematically shown;

[0023] Figure 6 The structure block diagram of a business processing system according to another embodiment of the present disclosure is schematically shown;

[0024] Figure 7 A block diagram of an electronic device suitable for implementing a service processing method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0025] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0026] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0027] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0028] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0029] In the technical solution of the present disclosure, the user information (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0030] In the scenario of using personal information for automated decision-making, the methods, devices, and systems provided by the embodiments of the present disclosure provide users with corresponding operation portals for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision-making" here refers to the activity of automatically analyzing and evaluating a person's behavioral habits, interests and hobbies, or economic, health, credit status, etc. through computer programs, and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by people who specialize in a certain field, have specialized experience, knowledge and skills, and have reached a certain level of professionalism.

[0031] It should be noted that the business processing methods, systems, devices, media, and products provided in the embodiments of the present disclosure can be used in the field of financial technology. The above is only an example and does not limit the application field of the business processing methods, systems, devices, media, and products provided in the embodiments of the present disclosure.

[0032] As can be seen from the background technology, currently bank tellers need to switch systems multiple times to handle business during qualification review and business processing, which is cumbersome and prone to errors, resulting in low business processing efficiency, and it is difficult to remedy the situation after the review. In addition, for complex cross-border business, business personnel must have a high level of understanding of the business review mechanism and processing procedures, and master the enterprise qualifications and relevant regulatory rules in order to correctly handle the business.

[0033] In view of this, the embodiment of the present disclosure provides a business processing method, which is applied to a business centralized processing platform, and the business centralized processing platform is connected to a business management module and a data review module respectively. The method includes: in response to receiving a business processing request, obtaining transaction data and attributed enterprise information in the business processing request; transmitting the enterprise information to the business management module, so that the business management module calls a third-party regulatory agency to conduct a qualification review on the enterprise information, and determines the corresponding enterprise category according to the qualification review result; transmitting the enterprise category and transaction data to the data review module, so that the data review module reviews the enterprise category and transaction data; receiving the review result fed back from the data review module, and controlling the business processing request according to the review result. In this way, it is not necessary for the teller at the branch to switch the system to process the business multiple times, which reduces the operation volume and error rate of the teller when processing the business, and improves the efficiency of enterprise qualification review and business processing.

[0034] Figure 1 The flowchart of the service processing method according to the embodiment of the present disclosure is schematically shown.

[0035] like Figure 1 As shown, the business processing method of this embodiment is applied to a business centralized processing platform, and the business centralized processing platform is connected to the business management module and the data review module respectively. The business processing method includes operations S110 to S140.

[0036] In operation S110 , in response to receiving the business processing request, the transaction data and the attributed enterprise information in the business processing request are acquired.

[0037] In an embodiment of the present disclosure, before obtaining the transaction data and the attributed enterprise information in the business processing request, the consent or authorization of the enterprise may be obtained. For example, before operation S110, a request for obtaining the transaction data and enterprise information may be issued to the enterprise. When the enterprise agrees or authorizes the acquisition of the transaction data and enterprise information, the operation S110 is performed.

[0038] Enterprise information refers to the information of the request provider of the business processing request, such as enterprise code, enterprise name, location, etc. Transaction data refers to the business activity data recorded by the request provider, such as sales orders, purchase orders, invoices, etc.

[0039] In operation S120, the enterprise information is transmitted to the business management module, so that the business management module calls a third-party regulatory agency to conduct a qualification review of the enterprise information, and determines the corresponding enterprise category according to the qualification review result.

[0040] For example, the business management module is another unified management module within the bank that is different from the business centralized processing platform. For cross-border business or international business, the business management module can be the International Business Management (IOMA) system.

[0041] The business management module is connected to a third-party regulatory agency, whereby the business management module sends the received enterprise information to the third-party regulatory agency, which then conducts a qualification review of the enterprise information and determines the corresponding enterprise category based on the qualification review results.

[0042] For example, the third-party regulatory agency can be the SAFE Enterprise Supervision Information System. The SAFE Enterprise Supervision Information System can receive enterprise information obtained by the International Business Management (IOMA) system, conduct qualification review on the enterprise information, and obtain the qualification review results. Then, the SAFE Enterprise Supervision Information System can also determine the corresponding enterprise category based on the qualification review results.

[0043] In operation S130 , the enterprise category and the transaction data are transmitted to a data review module, so that the data review module reviews the enterprise category and the transaction data.

[0044] It is understandable that the data review module reviews transaction data, while the aforementioned third-party regulatory agency conducts qualification review of corporate information. The two review methods are different.

[0045] In operation S140, the review result fed back from the data review module is received, and the business processing request is controlled according to the review result.

[0046] Through the embodiments of the present disclosure, a centralized business processing platform is established, and the decentralized business management module and data review module are respectively associated with the centralized business processing platform. When a business processing request is received, the processing of the business processing request is controlled in turn according to the results of the enterprise qualification review and the transaction data review. As a result, during the business processing process, bank tellers do not need to switch back and forth between the bank's own business system and other external supervision or review systems, which reduces the amount of operations and error rate of tellers when handling business, and improves the efficiency of enterprise qualification review and business processing. In addition, considering that post-review is difficult to remedy, the traditional post-review method is adjusted to the in-process review method, which can timely discover the business that has not passed the review, so as to remind the enterprise to remedy it, and can accurately control the in-process review link of the foreign exchange management of foreign exchange business, thereby improving the processing efficiency of cross-border business.

[0047] In an embodiment of the present disclosure, the above-mentioned operation S110 of obtaining the transaction data and the attributed enterprise information in the business processing request includes: identifying the business type of the business processing request; when the business type meets the predetermined conditions, obtaining the transaction data and the attributed enterprise information in the business processing request, wherein the enterprise information is the information pre-registered with the third-party regulatory agency.

[0048] For example, business types include domestic business, cross-border business (or international business, foreign exchange business); the predetermined condition is that the business type needs to undergo qualification review. Therefore, if the business type is identified as cross-border business, the business type meets the predetermined condition, and the qualification review is required first, and only after the review is passed can the business processing process be entered.

[0049] It should be noted that the teller needs to register the corporate information with the third-party regulatory agency in advance so that the third-party regulatory agency can conduct a qualification review of the corporate information later.

[0050] Through the embodiments of the present disclosure, for various business processing requests, only some requests whose business types meet predetermined conditions are triggered to conduct qualification review in the process stage, so that the business processing requests are reasonably screened, thereby improving the efficiency of enterprise qualification review in cross-border business.

[0051] In an embodiment of the present disclosure, the above-mentioned operation S120 business management module sends the received enterprise information to a third-party regulatory agency, and the third-party regulatory agency conducts a qualification review on the registered enterprise information and determines the corresponding enterprise category according to the qualification review results. The qualification review results include enterprise qualification information, such as enterprise scale, business nature, and enterprise directory status. The enterprise directory status may include normal, abnormal operation, etc.

[0052] The third-party regulatory agency determines the corresponding enterprise category based on the qualification review results. For example, based on the operating income and total assets indicators under normal conditions, the third-party regulatory agency can classify enterprises into three categories: A, B, and C. For another example, based on the nature of the enterprise's business, the third-party regulatory agency can classify the enterprise into a production enterprise, a trading enterprise, a service enterprise, and a construction enterprise.

[0053] In some embodiments, after the business management module calls the third-party regulatory agency in operation S120, the operation further includes: registering a query log with the third-party regulatory agency. The query log is a detailed information recorded in real time during the call process, which can enable the third-party regulatory agency to play a very important role in maintaining data integrity, security, and data dump backup.

[0054] In some embodiments, the above operation S130 of transmitting the enterprise category and transaction data to the data review module also includes: extracting the minimum portion of data that meets the data volume requirement of the data review module from the transaction data; and transmitting the enterprise category and the minimum portion of data to the data review module.

[0055] Through the embodiments of the present disclosure, only the minimum portion of transaction data that meets the data volume requirement of the data review module is transmitted to the data review module, thereby avoiding leakage of a large amount of redundant data and sensitive data, ensuring data security, and improving data transmission and data review efficiency.

[0056] Figure 2 The flowchart of enterprise category and transaction data transmission according to an embodiment of the present disclosure is schematically shown.

[0057] like Figure 2 As shown, in an embodiment of the present disclosure, the above operation S130 transmits the enterprise category and transaction data to the data review module, and may include operations S231 to S233.

[0058] In operation S231, the transaction data is preprocessed.

[0059] For example, preprocessing includes data cleaning, format conversion, and data encryption. Data cleaning can further include processing missing values, processing outliers, data type conversion, deduplication, data standardization, data normalization, etc. Format conversion refers to converting transaction data into data that meets the format requirements of the data review module. Data encryption can protect potential sensitive information in transaction data and ensure information security.

[0060] In operation S232, a plurality of elements to be reviewed are extracted from the pre-processed transaction data.

[0061] For example, the multiple elements to be reviewed include transaction code, transaction amount, transaction type and transaction remarks. Transaction types can be further divided into bank counter transactions, ATM transactions, online banking transactions, etc. according to the nature of the transaction.

[0062] In operation S233, the enterprise category and multiple elements to be reviewed are transmitted to the data review module.

[0063] Through the embodiments of the present disclosure, the transaction data is preprocessed, and then a plurality of elements to be reviewed are extracted, providing accurate and standardized data support for the subsequent review process, thereby improving the efficiency of data review.

[0064] Next, the data review module can use preset review algorithms or models to automatically review business categories and transaction data.

[0065] Figure 3 The flowchart schematically shows the review process of the data review module according to the embodiment of the present disclosure.

[0066] like Figure 3 As shown, in an embodiment of the present disclosure, the above-mentioned operation S130 data review module reviews the enterprise category and transaction data, which may include operations S331 to S333.

[0067] In operation S331, the data review module calls a pre-configured rule base, which includes multiple rules.

[0068] In operation S332, the enterprise category and multiple elements to be reviewed are reviewed according to each rule of the rule base to obtain an intermediate review result.

[0069] Each rule in the rule base can determine whether a business has passed the review based on the enterprise category and multiple elements to be reviewed. For example, the rules stored in the rule base include requirements such as counterparty information, transaction amount, and transaction type.

[0070] For example, the rule base can set different rules for different enterprise categories, different rules for different elements to be reviewed, and different rules can be set according to different combinations of enterprise categories and elements to be reviewed. For any rule in the rule base, by comparing the enterprise category with the rule requirements in the rule base, and by comparing the transaction amount, transaction type and other data in the business transaction with the rule requirements in the rule base, it is determined whether the business has passed the review and an intermediate review result is generated.

[0071] In operation S333, when the intermediate review results corresponding to each rule of the rule base are all passed, it is determined that the review result of the data review module is passed.

[0072] Accordingly, when the intermediate review result corresponding to any rule of the rule base is review failure, the review result of the data review module is determined to be review failure.

[0073] Through the embodiments of the present disclosure, a data review module is used to automatically review enterprise categories and transaction data, so as to more accurately identify potential risk points in business processing requests.

[0074] In some embodiments, the rule base is updated according to business scenarios and regulatory requirements. In this way, the rule base is updated in a timely manner to cope with changes in business scenarios and regulatory requirements, ensuring that the review content is always consistent with the latest policies and requirements.

[0075] In addition, the rule base can also comprehensively protect the data security of the rule base by implementing access control, data encryption and desensitization, audit monitoring and other measures, thereby building a safe and reliable review environment.

[0076] Next, the review results of the data review module are fed back to the centralized business processing platform.

[0077] Figure 4 A flowchart for controlling a business processing request according to an embodiment of the present disclosure is schematically shown.

[0078] like Figure 4 As shown, in an embodiment of the present disclosure, the above-mentioned operation S140, in which the centralized business processing platform controls the business processing request according to the review result, may include operations S441 to S443.

[0079] In operation S441, determine whether the review result is passed. If yes, proceed to operation S442; otherwise, proceed to operation S443.

[0080] In operation S442, the business processing request is released.

[0081] In operation S443, the business processing request is intercepted, and prompt information is generated according to the review result. The prompt information may provide, for example, detailed reasons for the violation, so as to facilitate subsequent processing by business personnel.

[0082] Through the embodiments of the present disclosure, after completing the data review, the centralized business processing platform will release the business that has passed the review of the business processing request according to the review results, and accurately intercept and prompt the business that has not passed the review. Considering that it is difficult to remedy the post-review, the traditional post-review method is adjusted to the in-process review method, which can timely discover the business that has not passed the review, so as to remind the enterprise to remedy it, and can accurately control the in-process review link of the foreign exchange management of foreign exchange business, thereby improving the processing efficiency of cross-border business.

[0083] Thus, the business processing method provided by the embodiment of the present disclosure has improved the automated processing capability of banking business, reduced the review workload of tellers at terminal outlets, reduced the cost investment in business review, improved review efficiency and accuracy, and enhanced customer experience and business competitiveness.

[0084] Based on the above business processing method, the present disclosure also provides a business processing system. Figure 5 The system is described in detail.

[0085] Figure 5 The structure block diagram of a business processing system according to an embodiment of the present disclosure is schematically shown.

[0086] like Figure 5 As shown, the business processing system 500 of this embodiment includes a business centralized processing platform 510, a business management module 520, a third-party regulatory agency 530 and a data review module 540. The business centralized processing platform 510 is connected to the business management module 520 and the data review module 540 respectively, and the business management module 520 is connected to the third-party regulatory agency 530.

[0087] The centralized business processing platform 510 is used to obtain the transaction data and the attributed enterprise information in the business processing request in response to receiving the business processing request, transmit the enterprise information to the business management module 520, and transmit the transaction data to the data review module 540.

[0088] The business management module 520 is used to call the third-party regulatory agency 530 to make the third-party regulatory agency 530 conduct a qualification review of the enterprise information and determine the corresponding enterprise category according to the qualification review result. The business management module 520 is also used to transmit the enterprise level to the data review module 540.

[0089] The data review module 540 is used to review the enterprise category and transaction data, and feed back the review results to the business centralized processing platform 510. The business centralized processing platform 510 is also used to control the business processing request according to the review results.

[0090] In the embodiment of the present disclosure, the centralized business processing platform 510 is also used to: pre-process the transaction data; extract multiple elements to be reviewed from the pre-processed transaction data; and transmit the multiple elements to be reviewed to the data review module 540 .

[0091] Figure 6 The structural block diagram of a business processing system according to another embodiment of the present disclosure is schematically shown.

[0092] like Figure 6As shown, the business processing system 600 of this embodiment is different from the business processing system 500 provided in the previous embodiment in that it also includes a pre-configured rule base 610, and the rule base 610 stores multiple rules.

[0093] The data review module 540 is also used to: call the rule base 610, review the enterprise category and multiple elements to be reviewed according to each rule of the rule base 610, and obtain an intermediate review result; when the intermediate review results corresponding to each rule of the rule base 610 are all passed, determine that the review result of the data review module 540 is passed.

[0094] In an embodiment of the present disclosure, the rule base 610 is updated according to business scenarios and regulatory requirements.

[0095] The business processing system provided by the embodiment of the present disclosure establishes a centralized business processing platform, and uses the centralized business processing platform to associate the dispersed business management modules and data review modules respectively. When receiving a business processing request, the processing of the business processing request is controlled in turn according to the results of the enterprise qualification review and the transaction data review. As a result, during the business processing process, bank tellers do not need to switch back and forth between the bank's own business system and other external supervision or review systems, which reduces the amount of operations and error rate of tellers when handling business, and improves the efficiency of enterprise qualification review and business processing. In addition, considering that post-review is difficult to remedy, the traditional post-review method is adjusted to the in-process review method, which can timely discover the business that has not passed the review, so as to remind the enterprise to remedy it, and can accurately control the in-process review link of the foreign exchange management of foreign exchange business, thereby improving the processing efficiency of cross-border business.

[0096] It should be noted that the implementation method of the system part is similar to the implementation method of the method part, and the technical effects achieved are also similar. For specific details, please refer to the implementation method of the above-mentioned method part, which will not be repeated here.

[0097] According to an embodiment of the present disclosure, any multiple modules in the business centralized processing platform 510, the business management module 520, the third-party regulatory agency 530, the data review module 540 and the rule base 610 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the business centralized processing platform 510, the business management module 520, the third-party regulatory agency 530, the data review module 540 and the rule base 610 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in an appropriate combination of any of them. Alternatively, at least one of the business centralized processing platform 510, the business management module 520, the third-party regulatory agency 530, the data review module 540 and the rule base 610 can be at least partially implemented as a computer program module, which can perform corresponding functions when executed.

[0098] Figure 7 A block diagram of an electronic device suitable for implementing a service processing method according to an embodiment of the present disclosure is schematically shown.

[0099] like Figure 7 As shown, the electronic device 700 according to an embodiment of the present disclosure includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage part 708 to a random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), etc. The processor 701 may also include an onboard memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0100] In RAM 703, various programs and data required for the operation of electronic device 700 are stored. Processor 701, ROM 702 and RAM 703 are connected to each other via bus 704. Processor 701 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 702 and / or RAM 703. It should be noted that the program can also be stored in one or more memories other than ROM 702 and RAM 703. Processor 701 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0101] According to an embodiment of the present disclosure, the electronic device 700 may further include an input / output (I / O) interface 705, which is also connected to the bus 704. The electronic device 700 may further include one or more of the following components connected to the input / output (I / O) interface 705: an input portion 706 including a keyboard, a mouse, etc.; an output portion 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 708 including a hard disk, etc.; and a communication portion 709 including a network interface card such as a LAN card, a modem, etc. The communication portion 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the input / output (I / O) interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed, so that a computer program read therefrom is installed into the storage portion 708 as needed.

[0102] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the business processing method according to the embodiment of the present disclosure is implemented.

[0103] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, it may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the ROM 702 and / or RAM 703 described above and / or one or more memories other than ROM 702 and RAM 703.

[0104] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the business processing method provided by the embodiment of the present disclosure.

[0105] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 701. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0106] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 709, and / or installed from the removable medium 711. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0107] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 709, and / or installed from the removable medium 711. When the computer program is executed by the processor 701, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0108] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0109] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0110] It will be appreciated by those skilled in the art that the features described in the various embodiments of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations or combinations are not explicitly described in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features described in the various embodiments of the present disclosure may be combined and / or combined in a variety of ways. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0111] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A business processing method, characterized in that: Applied to a centralized business processing platform, the centralized business processing platform is connected to a business management module and a data review module respectively, and the method comprises: In response to receiving the business processing request, acquiring transaction data and attributed enterprise information in the business processing request; Transmitting the enterprise information to the business management module, so that the business management module calls a third-party regulatory agency to conduct a qualification review of the enterprise information, and determining the corresponding enterprise category according to the qualification review result; Transmitting the enterprise category and the transaction data to the data review module, so that the data review module reviews the enterprise category and the transaction data; Receive the review result fed back from the data review module, and control the business processing request according to the review result.

2. The method according to claim 1, characterized in that: Acquiring the transaction data and the attributable enterprise information in the business processing request includes: Identifying a business type of the business processing request; In the case where the business type meets a predetermined condition, the transaction data and the affiliated enterprise information in the business processing request are obtained, wherein the enterprise information is the information pre-registered with the third-party regulatory agency.

3. The method according to claim 1, characterized in that Transmitting the enterprise category and the transaction data to the data review module includes: Preprocessing the transaction data; Extracting multiple elements to be reviewed from pre-processed transaction data; The enterprise category and the multiple elements to be reviewed are transmitted to the data review module.

4. The method according to claim 3, characterized in that The data review module reviews the enterprise category and the transaction data, including: The data review module calls a pre-configured rule base, which stores multiple rules; According to each rule of the rule base, review the enterprise category and the multiple elements to be reviewed to obtain an intermediate review result; When the intermediate review results corresponding to each rule of the rule base are all passed, it is determined that the review result of the data review module is passed.

5. The method according to claim 1, characterized in that The transmitting the enterprise category and the transaction data to the data review module further comprises: Extracting a minimum portion of data from the transaction data that meets the data volume requirement of the data review module; The enterprise category and the minimum portion of data are transmitted to the data review module.

6. The method according to claim 1, characterized in that The controlling the business processing request according to the review result includes: If the review result is passed, the business processing request is released; When the review result is that the review is not passed, the business processing request is intercepted and prompt information is generated according to the review result.

7. A business processing system, characterized in that: It includes a business centralized processing platform, a business management module, a third-party regulatory agency and a data review module. The business centralized processing platform is connected to the business management module and the data review module respectively, and the business management module is connected to the third-party regulatory agency, wherein: The business centralized processing platform is used to respond to receiving a business processing request, obtain the transaction data and the attributed enterprise information in the business processing request, transmit the enterprise information to the business management module, and transmit the transaction data to the data review module; The business management module is used to call the third-party regulatory agency to conduct a qualification review of the enterprise information, determine the corresponding enterprise category according to the qualification review result, and transmit the enterprise level to the data review module; The data review module is used to review the enterprise category and the transaction data; The centralized business processing platform is also used to receive the review result fed back from the data review module, and control the business processing request according to the review result.

8. The business processing system according to claim 7, characterized in that: The business centralized processing platform is also used for: Preprocessing the transaction data; Extracting multiple elements to be reviewed from pre-processed transaction data; The multiple elements to be reviewed are transmitted to the data review module.

9. The business processing system according to claim 8, characterized in that: The business processing system also includes a preconfigured rule base, wherein the rule base stores a plurality of rules; The data review module is also used to: Calling the rule base, and reviewing the enterprise category and the multiple elements to be reviewed according to each rule of the rule base to obtain an intermediate review result; When the intermediate review results corresponding to each rule of the rule base are all passed, it is determined that the review result of the data review module is passed.

10. The business processing system according to claim 9, characterized in that: The rule base is updated according to business scenarios and regulatory requirements.

11. An electronic device, comprising: one or more processors; a memory for storing one or more computer programs, It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 6.

12. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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