Business processing method and device, equipment, medium and product

Abstract

The invention discloses a business processing method and device, equipment, a medium and a product, and relates to the technical field of business data processing, and the method comprises the steps: sending a collection request to a fund collection layer based on a pre-obtained periodic business plan, carrying out the fund collection through the fund collection layer according to the collection request, obtaining a collection result, and sending the collection result to a fund collection layer; the collection result is sent to the service scene layer; and receiving a collection result sent by the fund collection layer, and performing service processing according to the collection result to obtain a processing result. Therefore, the collection request is sent to the fund collection layer based on the obtained periodic business plan, the fund collection layer carries out fund collection to obtain the collection result, and finally business processing is carried out according to the collection result to obtain the processing result. The problem that corresponding fund collection and processing cannot be carried out is solved, and the business processing efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of business data processing technology, and in particular to a business processing method, device, equipment, medium and product. Background Art

[0002] As customers' diversified fund allocation needs continue to develop, the single fund collection behavior of automatically allocating funds from Bank A to Bank B on a periodic basis cannot meet customer needs. Customers also hope to combine fund collection with periodic scenarios, such as purchasing financial products, paying living expenses, repaying credit card bills, etc., to meet diverse fund allocation needs.

[0003] In order to meet the above customer needs, the following solutions are usually adopted in the prior art: (1) When customers sign a business plan, they are also required to sign a fund collection plan, and the cycle date of the fund collection plan must be earlier than the cycle date of the business plan to ensure that there is sufficient balance in the customer account when the business plan is executed; (2) After the customer signs the business plan, each business scenario will realize fund collection on its own, and continue the business behavior after the fund scheduling is completed.

[0004] However, in the above solution (1), customers are required to sign two plans and control the order of the execution cycles of the two plans by themselves, which results in high maintenance costs and poor experience for customers. As for solution (2), each business scenario is equipped with the ability to pool funds, and once the basic business rules for fund pooling are changed, all business scenarios need to be modified accordingly, resulting in a low cohesion of the entire system.

[0005] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0006] The main purpose of this application is to provide a business processing method, device, equipment, medium and product, aiming to solve the technical problem that when users have periodic business plans, they cannot perform corresponding fund collection and processing.

[0007] To achieve the above objectives, the present application proposes a business processing method, which is applied to the business scenario layer and includes:

[0008] Based on the pre-acquired periodic business plan, a collection request is sent to the fund collection layer, and the fund collection layer collects funds according to the collection request, obtains a collection result, and sends the collection result to the business scenario layer;

[0009] Receive the collection result sent by the fund collection layer, perform business processing according to the collection result, and obtain the processing result.

[0010] In one embodiment, before the step of sending a collection request to the fund collection layer based on the pre-acquired periodic business plan, the method further includes:

[0011] Receive the user's business plan, and parse the business plan to obtain the business period, business type and business amount;

[0012] Establishing a timetable based on the business period, business type and business amount;

[0013] Periodic planning is performed according to the schedule to obtain a periodic business plan.

[0014] In one embodiment, the step of sending a collection request to a fund collection layer based on a pre-acquired periodic business plan, and the fund collection layer collecting funds according to the collection request to obtain a collection result includes:

[0015] Performing real-time detection on the periodic business plan;

[0016] When it is detected that the periodic business plan reaches the business deadline, a collection request is sent to the fund collection layer, and the fund collection layer generates a batch serial number based on the collection request and sends it to the business scenario layer;

[0017] The batch serial number is analyzed to obtain batch detail information, and the batch detail information is sent to the fund collection layer, which collects funds based on the batch detail information to obtain a collection result.

[0018] In one embodiment, the step of performing business processing according to the collection result to obtain the processing result includes:

[0019] Performing integrity verification on the collection result to obtain a verification result;

[0020] If the verification result is passed, then based on the business type and business amount, the business is processed through the collection result to obtain a processing result;

[0021] If the verification result is failure, then based on the service priority in the timetable, the service is processed through the collection result to obtain a processing result.

[0022] In addition, to achieve the above purpose, the present application also proposes a business processing method, which is applied to the fund collection layer and includes:

[0023] Receive the collection request sent by the business scenario layer;

[0024] Funds are collected based on the collection request to obtain a collection result, and the collection result is sent to the business scenario layer, which performs business processing based on the collection result to obtain a processing result.

[0025] In one embodiment, the step of performing fund collection based on the collection request to obtain a collection result includes:

[0026] Generate a batch serial number based on the collection request, and send the batch serial number to the business scenario layer, which analyzes the batch serial number to obtain batch detail information;

[0027] Receive batch detail information sent by the business scenario layer;

[0028] Based on the batch details information, the data interface is called to collect funds and obtain an initial collection result;

[0029] Performing a result query on the initial collection result to obtain collection information of each piece of information in the batch detail information, wherein the collection information includes one or more of collection success, collection failure, unknown, and collection details;

[0030] A summary analysis is performed based on the collected information to obtain a collection result.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a business processing device, wherein the business processing is applied to the business scenario layer, and the device includes:

[0032] A sending module, configured to send a collection request to a fund collection layer based on a pre-acquired periodic business plan, and the fund collection layer collects funds according to the collection request, obtains a collection result, and sends the collection result to the business scenario layer;

[0033] The processing module is used to receive the collection results sent by the fund collection layer, perform business processing according to the collection results, and obtain processing results.

[0034] In addition, to achieve the above objectives, the present application also proposes a business processing device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the business processing method described above.

[0035] In addition, to achieve the above objectives, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the business processing method described above are implemented.

[0036] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the business processing method described above are implemented.

[0037] One or more technical solutions proposed in this application have at least the following technical effects:

[0038] The embodiments of the present application propose a business processing method, device, equipment, storage medium and computer program product. Based on a pre-acquired periodic business plan, a collection request is sent to a fund collection layer, and the fund collection layer performs fund collection according to the collection request to obtain a collection result, and sends the collection result to the business scenario layer; the collection result sent by the fund collection layer is received, and business processing is performed according to the collection result to obtain a processing result. Thus, based on the acquired periodic business plan, a collection request is sent to the fund collection layer, and the fund collection layer performs fund collection to obtain a collection result. Finally, business processing is performed according to the collection result to obtain a processing result, which solves the problem that when a user has a periodic business plan, the corresponding fund collection and processing cannot be performed, and the efficiency of business processing is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0040] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0041] Figure 1 A flowchart of the first embodiment of the business processing method of this application is provided;

[0042] Figure 2 This is a schematic diagram of the overall process of the business processing method for this application;

[0043] Figure 3 A flowchart of the second embodiment of the business processing method of this application is provided;

[0044] Figure 4 A schematic diagram of the interaction between the fund collection layer and the business scenario layer involved in the business processing method of this application;

[0045] Figure 5 This is a schematic diagram of the module structure of the service processing device according to an embodiment of the present application;

[0046] Figure 6 This is a schematic diagram of the device structure of the hardware operating environment involved in the business processing method in the embodiment of the present application.

[0047] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0048] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0049] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0050] The main solution of the embodiment of the present application is: receiving the business plan of the user, and parsing the business plan to obtain the business period, business type and business amount; establishing a timetable based on the business period, business type and business amount; performing periodic planning according to the timetable to obtain a periodic business plan. Performing real-time detection on the periodic business plan; in the case of detecting that the periodic business plan has reached the business period, sending a collection request to the fund collection layer, the fund collection layer generates a batch serial number based on the collection request and sends it to the business scenario layer; analyzing the batch serial number to obtain batch details, and sending the batch details to the fund collection layer, the fund collection layer performs fund collection based on the batch details to obtain a collection result. Performing integrity verification on the collection result to obtain a verification result; if the verification result is passed, then based on the business type and business amount, the business processing is performed through the collection result to obtain a processing result; if the verification result is not passed, then based on the business priority in the timetable, the business processing is performed through the collection result to obtain a processing result. Receive the collection request sent by the business scenario layer; perform fund collection based on the collection request to obtain the collection result, and send the collection result to the business scenario layer, and the business scenario layer performs business processing according to the collection result to obtain the processing result. Generate a batch serial number based on the collection request, and send the batch serial number to the business scenario layer, and the business scenario layer analyzes the batch serial number to obtain batch detail information; receive the batch detail information sent by the business scenario layer; call the data interface based on the batch detail information to collect funds and obtain the initial collection result; perform a result query on the initial collection result to obtain the collection information of each piece of information in the batch detail information, and the collection information includes one or more of collection success, collection failure, unknown and collection details; perform summary analysis based on the collection information to obtain the collection result. This solves the problem that when users have periodic business plans, they cannot perform corresponding fund collection and processing, realizes the processing of business, and improves the efficiency of business processing. Based on the solution of the present invention, in view of the continuous development of the diversified fund allocation needs of customers in reality, customers also hope to combine fund collection with periodic scenarios, such as purchasing financial products, paying living expenses, repaying credit card bills, etc., but the single fund collection behavior of periodic automatic allocation from Bank A to Bank B cannot meet customer needs. Starting from the problem, a business processing method is designed, and the effectiveness of the business processing method of the present invention is verified when processing the business. Finally, the efficiency of business processing through the method of the present invention is significantly improved.

[0051] In this embodiment, for the convenience of description, the following description is made with the business processing device as the execution subject.

[0052] In the prior art, when conducting business processing that requires fund collection, customers need to sign a fund collection plan at the same time as signing a business plan, and the cycle date of the fund collection plan needs to be earlier than the cycle date of the business plan to ensure that there is sufficient balance in the customer account when the business plan is executed. This solution requires customers to sign two plans and control the order of the execution cycle dates of the two plans by themselves. The customer's maintenance cost is high and the experience is poor. In addition, after the customer signs the business plan, each business scenario will realize fund collection by itself, and continue the business behavior after the fund scheduling is completed. This solution requires each business scenario to build the ability to collect funds, and once the basic business rules for fund collection are changed, all business scenarios need to follow the change, which will affect the entire system and the entire system will be in a low cohesive state. Therefore, the above solutions cannot meet the needs of users.

[0053] The present application provides a solution. In the business scenario layer, a collection request is sent to the fund collection layer based on a periodic business plan, and after obtaining the collection result sent by the fund collection layer, corresponding business processing is performed. At the same time, corresponding funds are collected through the fund collection layer to provide users with better services.

[0054] From the above embodiments, it can be seen that the present application sends a collection request to the fund collection layer based on the pre-acquired periodic business plan, and the fund collection layer performs fund collection according to the collection request, obtains the collection result, and sends the collection result to the business scenario layer; receives the collection result sent by the fund collection layer, performs business processing according to the collection result, and obtains the processing result. Thus, based on the acquired periodic business plan, a collection request is sent to the fund collection layer, and the fund collection layer performs fund collection to obtain the collection result. Finally, business processing is performed according to the collection result to obtain the processing result, which solves the problem that when the user has a periodic business plan, the corresponding fund collection and processing cannot be performed, and the efficiency of business processing is improved.

[0055] It should be noted that the execution subject of this embodiment may be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a business processing device, etc. The following takes the business processing device as an example to illustrate this embodiment and the following embodiments.

[0056] Based on this, the present application embodiment provides a business processing method, referring to Figure 1 , Figure 1 This is a flowchart of the first embodiment of the business processing method of the present application.

[0057] In this embodiment, the business processing method is applied to the business scenario layer, and the method includes steps S04 to S05:

[0058] Step S04: Based on the pre-acquired periodic business plan, a collection request is sent to the fund collection layer, and the fund collection layer collects funds according to the collection request, obtains a collection result, and sends the collection result to the business scenario layer;

[0059] It should be clear that with the continuous development of customers' diversified fund allocation needs, the single fund collection behavior of automatically allocating funds from Bank A to Bank B on a periodic basis cannot meet customer needs. Customers also hope to combine fund collection with periodic scenarios, such as purchasing financial products, paying living expenses, repaying credit card bills, etc., to meet diversified fund allocation needs.

[0060] In order to meet the above customer needs, the following solutions are usually adopted in the prior art: (1) When customers sign a business plan, they are also required to sign a fund collection plan, and the cycle date of the fund collection plan must be earlier than the cycle date of the business plan to ensure that there is sufficient balance in the customer account when the business plan is executed; (2) After the customer signs the business plan, each business scenario will realize fund collection on its own, and continue the business behavior after the fund scheduling is completed.

[0061] However, in the above solution (1), customers are required to sign two plans and control the order of the execution cycles of the two plans by themselves, which results in high maintenance costs and poor experience for customers. As for solution (2), each business scenario is equipped with the ability to pool funds, and once the basic business rules for fund pooling are changed, all business scenarios need to be modified accordingly, resulting in a low cohesion of the entire system.

[0062] Therefore, in this embodiment, based on the pre-obtained periodic business plan, a collection request is sent to the fund collection layer, where fund collection refers to a financial management method that centrally manages and allocates various types of funds of an enterprise or organization. Its main purpose is to improve the efficiency of fund use, reduce the cost of fund occupation, and enhance the liquidity and flexibility of funds. However, when funds are collected, higher resources are required for interface calls, fund circulation, and information recording. In order not to affect specific business operations, in this embodiment, the business scenario layer and the fund collection layer are decoupled. After the fund collection layer receives the collection request, the corresponding fund collection is performed to obtain the collection result, and the collection result is sent to the business scenario.

[0063] Step S05, receiving the collection result sent by the fund collection layer, performing business processing according to the collection result, and obtaining the processing result.

[0064] After receiving the collection results sent by the funds collection layer, corresponding business processing can be performed according to the collection results to obtain processing results. Among them, business processing includes but is not limited to purchasing financial management, bill repayment and fund transfer, etc. The collection in this embodiment mainly relies on the funds collection layer. The collection results include collection completion and collection failure. The business scenario layer only needs to perform corresponding business processing based on the received collection results without performing more operations, thereby achieving more efficient business processing.

[0065] Specifically, before the step S04 of sending a collection request to the fund collection layer based on the pre-acquired periodic business plan, the method further includes:

[0066] Step S01, receiving a user's business plan, and parsing the business plan to obtain a business term, a business type, and a business amount;

[0067] Step S02, establishing a timetable based on the business period, business type and business amount;

[0068] Step S03: Perform periodic planning according to the timetable to obtain a periodic business plan.

[0069] In this embodiment, the business scenario layer provides a plan setting function for the user, so that the user can customize the corresponding plan, for example, planning to purchase a financial product of 100 yuan on October 2, repay a mortgage of 200 yuan on October 10, and pay a water and electricity fee of 300 yuan on October 15, etc., and thus obtain the corresponding business plan;

[0070] The business scenario layer then analyzes the business plan to obtain the business period, business type, and business amount, and uses this to build a timetable, that is, the business involved at each time point;

[0071] Finally, periodic planning is carried out according to the schedule to obtain a periodic business plan.

[0072] After the acquisition process of the periodic plan is clear, the collection request can be sent according to the obtained periodic plan. Therefore, the above step S04, based on the pre-acquired periodic business plan, sends a collection request to the fund collection layer, and the fund collection layer collects funds according to the collection request. The step of obtaining the collection result includes:

[0073] Step S041, performing real-time detection on the periodic business plan;

[0074] Step S042, when it is detected that the periodic business plan has reached the business deadline, a collection request is sent to the fund collection layer, and the fund collection layer generates a batch serial number based on the collection request and sends it to the business scenario layer;

[0075] Step S043, analyzing the batch serial number to obtain batch detail information, and sending the batch detail information to the fund collection layer, which collects funds based on the batch detail information to obtain a collection result.

[0076] After obtaining the periodic business plan, the business scenario layer will perform real-time detection on the periodic business plan to avoid missing the business deadline specified in the business plan;

[0077] When it is detected that a periodic business plan has reached its business deadline, a collection request is sent to the funds collection layer, which generates a batch serial number based on the collection request and sends it to the business scenario layer for further analysis to obtain batch details. Subsequently, the funds collection layer collects funds based on the batch details to obtain the collection result.

[0078] From the above solution, we can know that the business scenario layer performs fund scheduling and business execution for customers on the cycle date set by customers. Users do not need to set up a periodic plan for fund collection separately, which reduces the cost of customer plan management and improves customer experience.

[0079] For example, if a customer uses Bank A card to buy a 100 yuan wealth management product in Bank B client on the 10th of every month, the customer only needs to set up a plan to use Bank A card to purchase wealth management products on the 10th of every month in the wealth management column of Bank B client. There is no need to set up a plan to transfer 100 yuan from Bank A to Bank B and a plan to purchase wealth management products in Bank B at the same time.

[0080] Furthermore, in the above step S05, the step of performing business processing according to the collection result and obtaining the processing result includes:

[0081] Step S051, performing integrity verification on the collection result to obtain a verification result;

[0082] Step S052: if the verification result is passed, then based on the business type and business amount, business processing is performed through the collection result to obtain a processing result;

[0083] Step S053: If the verification result is not passed, then based on the service priority in the timetable, the service is processed through the collection result to obtain a processing result.

[0084] After obtaining the collection results, the corresponding business processing can be carried out. Specifically, the integrity of the collection results needs to be verified first to determine whether the current fund collection is completed. If the verification result is passed, the corresponding business processing is carried out based on the business type and business amount through the amount collected in the collection results to obtain the processing result;

[0085] If the verification result fails, the corresponding business processing is performed based on the business priority set in the previous schedule and the processing result is obtained. Due to the decoupling of the fund collection layer and the business scenario layer, the business scenario layer only needs to perform corresponding business processing based on the collection result after obtaining the collection result. For example, if the collection result is a collection failure (only a certain amount is collected and not completely successful), it can be processed according to the previously obtained business priority, which can achieve more efficient business processing.

[0086] The overall solution of this embodiment is as follows Figure 2 As shown, in the business scenario layer, a business plan signed by a user is received, such as purchasing financial management, paying for life expenses, repaying bills, etc., and then a periodic business plan is obtained based on the above business plan;

[0087] Perform real-time detection of periodic business plans and interact with the funds collection layer, such as batch registration, batch detail upload, and transaction result query. Similarly, after receiving the funds collection request, the funds collection layer will simultaneously interact with the business scenario layer and return the corresponding batch flow and transaction results, etc.

[0088] After the funds collection layer has processed the funds, the business scenario layer confirms that the funds have been successfully collected and can then proceed with subsequent business function processing;

[0089] Let's continue with the example of a customer using a bank card to buy a 100 yuan wealth management product on the B bank client on the 10th of each month. The B bank wealth management area initiates fund collection for the customer on the 10th of each month. After confirming that the fund collection is successful, it purchases a 100 yuan wealth management product for the customer.

[0090] This embodiment uses the above scheme, specifically by sending a collection request to the fund collection layer based on a pre-acquired periodic business plan, and the fund collection layer performs fund collection according to the collection request to obtain a collection result, and sends the collection result to the business scenario layer; receives the collection result sent by the fund collection layer, performs business processing according to the collection result, and obtains a processing result. Thus, based on the acquired periodic business plan, a collection request is sent to the fund collection layer, and the fund collection layer performs fund collection to obtain a collection result, and finally performs business processing according to the collection result to obtain a processing result, which solves the problem that when a user has a periodic business plan, the corresponding fund collection and processing cannot be performed, and improves the efficiency of business processing.

[0091] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 2The business processing method is also applied to the fund collection layer, including steps S06-S07:

[0092] Step S06, receiving a collection request sent by the business scenario layer;

[0093] Step S07, performing fund collection based on the collection request to obtain a collection result, and sending the collection result to the business scenario layer, and the business scenario layer performs business processing according to the collection result to obtain a processing result.

[0094] After the fund collection layer receives the collection request sent by the business scenario layer, it can collect funds according to the information set in the collection request, such as the collection account, collection amount, and collection period, and obtain the collection result;

[0095] The collection results can then be sent to the business scenario layer, which performs corresponding business processing based on the collection results to obtain the processing results.

[0096] Specifically, the above step S07, the step of performing fund collection based on the collection request and obtaining the collection result includes:

[0097] Step S071, generating a batch serial number based on the collection request, and sending the batch serial number to the business scenario layer, which analyzes the batch serial number to obtain batch detail information;

[0098] Step S072, receiving batch detail information sent by the business scenario layer;

[0099] Step S073, calling a data interface to collect funds based on the batch detail information to obtain an initial collection result;

[0100] Step S074, querying the initial collection result to obtain collection information of each piece of information in the batch detail information, wherein the collection information includes one or more of collection success, collection failure, unknown, and collection details;

[0101] Step S075, performing summary analysis based on the collected information to obtain a collection result.

[0102] In this embodiment, the operation of the fund collection layer is as follows: Figure 4 As shown, the business scenario layer collects all the fund collection plans to be executed on each cycle day, and submits these plans in batches to the fund collection layer. The business scenario layer is unaware of the implementation of fund collection and can be easily accessed by following the interface usage specifications and calling sequence.

[0103] The fund collection layer provides a total of 5 interfaces. The business scenarios need to call interfaces ①②③ in sequence, and call interfaces ④⑤ as needed. The specific functions are as follows:

[0104] ① Batch registration: i.e. authentication, is the first step in upstream business scenario access, indicating that the business layer is going to initiate a batch of fund collection requests. At this time, the fund collection layer will return a globally unique batch serial number for subsequent transaction processing;

[0105] ② Batch details upload: After the upstream business scenario obtains the batch number through authentication check, it can start uploading the collected transaction details. This interface supports uploading 200 records at a time and can be uploaded continuously for 10 times, that is, a single batch supports up to 2,000 transactions;

[0106] ③ End of batch upload: After the upstream business scenario has uploaded all the details, this interface is called to notify the batch system. After the funds collection layer completes the verification of the total number of batches and the total number of details, reliable asynchrony will be triggered and processed by the background processing system;

[0107] ④Batch result query: obtain the overall processing results of this batch, the number of successful, failed, and unknown transactions, and the detailed results of each transaction;

[0108] ⑤ Batch detail query: Get the results of one or several details in the batch, mainly used to query the unknown details returned in the batch results and initiate a secondary query.

[0109] For example, there are 20 customers who have set up a plan in the financial management area of ​​Bank B's client to use Bank A's card to buy a 100 yuan financial product in Bank B's client on the 10th of each month. On the 10th of each month, the financial management area of ​​Bank B's client will submit the fund collection requests of these 20 customers in batches to the fund collection layer. The fund collection layer will transfer the funds of these 20 customers from Bank A to Bank B. The financial management area only needs to query the results of the fund collection and does not need to be aware of the fund collection process.

[0110] This embodiment adopts the above scheme, specifically by receiving a collection request sent by the business scenario layer; performing fund collection based on the collection request, obtaining a collection result, and sending the collection result to the business scenario layer, and the business scenario layer performs business processing according to the collection result to obtain a processing result. Thus, based on the acquired periodic business plan, a collection request is sent to the fund collection layer, and the fund collection layer performs fund collection to obtain a collection result, and finally performs business processing according to the collection result to obtain a processing result, which solves the problem that when a user has a periodic business plan, the corresponding fund collection and processing cannot be performed, and improves the efficiency of business processing.

[0111] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the business processing method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0112] This application also provides a business processing device, please refer to Figure 5 , the device is applied to the business scenario layer, and the device includes:

[0113] The sending module 10 is used to send a collection request to the fund collection layer based on the pre-acquired periodic business plan, and the fund collection layer collects funds according to the collection request, obtains the collection result, and sends the collection result to the business scenario layer;

[0114] The processing module 20 is used to receive the collection result sent by the fund collection layer, perform business processing according to the collection result, and obtain a processing result.

[0115] The business processing device provided by the present application adopts the business processing method in the above embodiment, which can solve the technical problem that the corresponding funds cannot be collected and processed when the user has a periodic business plan. Compared with the prior art, the beneficial effects of the business processing device provided by the present application are the same as the beneficial effects of the business processing method provided by the above embodiment, and other technical features in the business processing device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0116] The present application provides a business processing device, which includes: at least one processor; and a memory that is communicatively connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the business processing method in the above-mentioned embodiment one.

[0117] Reference below Figure 6 , which shows a schematic diagram of the structure of a business processing device suitable for implementing the embodiment of the present application. The business processing device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 6 The business processing 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.

[0118] like Figure 6As shown, the business processing device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the business processing device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the business processing device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a business processing device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or have alternatively.

[0119] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0120] The business processing device provided by the present application adopts the business processing method in the above embodiment, which can solve the technical problem that when a user has a periodic business plan, the corresponding funds cannot be collected and processed. Compared with the prior art, the beneficial effects of the business processing device provided by the present application are the same as the beneficial effects of the business processing method provided by the above embodiment, and other technical features in the business processing device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0121] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0122] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0123] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, wherein the computer-readable program instructions are used to execute the business processing method in the above-mentioned embodiment.

[0124] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0125] The computer-readable storage medium mentioned above may be included in the business processing device; or may exist independently without being installed in the business processing device.

[0126] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the business processing device, the business processing device: based on a pre-acquired periodic business plan, sends a collection request to the fund collection layer, and the fund collection layer performs fund collection according to the collection request, obtains the collection result, and sends the collection result to the business scenario layer; receives the collection result sent by the fund collection layer, performs business processing according to the collection result, and obtains the processing result.

[0127] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0128] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the 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 square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square 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 square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / 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.

[0129] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0130] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned business processing method, and can solve the technical problem that when a user has a periodic business plan, the corresponding fund collection and processing cannot be performed. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the business processing method provided by the above-mentioned embodiment, and will not be repeated here.

[0131] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned business processing method when executed by a processor.

[0132] The computer program product provided by this application can solve the technical problem that when a user has a periodic business plan, the corresponding fund collection and processing cannot be performed. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the business processing method provided by the above embodiment, which will not be repeated here.

[0133] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A business processing method, characterized in that: The method is applied to the business scenario layer, and the method includes: Based on the pre-acquired periodic business plan, a collection request is sent to the fund collection layer, and the fund collection layer collects funds according to the collection request, obtains a collection result, and sends the collection result to the business scenario layer; Receive the collection result sent by the fund collection layer, perform business processing according to the collection result, and obtain the processing result.

2. The method according to claim 1, characterized in that Before the step of sending a collection request to the fund collection layer based on the pre-acquired periodic business plan, the method further includes: Receive the user's business plan, and parse the business plan to obtain the business period, business type and business amount; Establishing a timetable based on the business period, business type and business amount; Periodic planning is performed according to the schedule to obtain a periodic business plan.

3. The method according to claim 1, characterized in that The step of sending a collection request to the fund collection layer based on the pre-acquired periodic business plan, and the fund collection layer collecting funds according to the collection request to obtain the collection result includes: Performing real-time detection on the periodic business plan; When it is detected that the periodic business plan reaches the business deadline, a collection request is sent to the fund collection layer, and the fund collection layer generates a batch serial number based on the collection request and sends it to the business scenario layer; The batch serial number is analyzed to obtain batch detail information, and the batch detail information is sent to the fund collection layer, which collects funds based on the batch detail information to obtain a collection result.

4. The method according to claim 2, characterized in that The step of performing business processing according to the collection result to obtain the processing result comprises: Performing integrity verification on the collection result to obtain a verification result; If the verification result is passed, then based on the business type and business amount, the business is processed through the collection result to obtain a processing result; If the verification result is failure, then based on the service priority in the timetable, the service is processed through the collection result to obtain a processing result.

5. A business processing method, characterized in that: The method is applied to the fund collection layer, and the method includes: Receive the collection request sent by the business scenario layer; Funds are collected based on the collection request to obtain a collection result, and the collection result is sent to the business scenario layer, which performs business processing based on the collection result to obtain a processing result.

6. The method according to claim 5, characterized in that The step of performing fund collection based on the collection request to obtain a collection result comprises: Generate a batch serial number based on the collection request, and send the batch serial number to the business scenario layer, which analyzes the batch serial number to obtain batch detail information; Receive batch detail information sent by the business scenario layer; Based on the batch details information, the data interface is called to collect funds and obtain an initial collection result; Performing a result query on the initial collection result to obtain collection information of each piece of information in the batch detail information, wherein the collection information includes one or more of collection success, collection failure, unknown, and collection details; A summary analysis is performed based on the collected information to obtain a collection result.

7. A service processing device, characterized in that: The device is applied to the business scenario layer, and the device includes: A sending module, configured to send a collection request to a fund collection layer based on a pre-acquired periodic business plan, and the fund collection layer collects funds according to the collection request, obtains a collection result, and sends the collection result to the business scenario layer; The processing module is used to receive the collection results sent by the fund collection layer, perform business processing according to the collection results, and obtain processing results.

8. A service processing device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the business processing method according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the business processing method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the service processing method according to any one of claims 1 to 6 are implemented.

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