Data processing method, device, equipment, storage medium and product

Abstract

The present application discloses a data processing method, apparatus, equipment, storage medium and product, which relate to the field of data processing technology. The method obtains current transaction information of a current transaction process in response to a transaction initiation request; identifies the current transaction process according to the current transaction information and a pre-configured regulatory policy; makes an executable judgment on the current transaction process based on a transaction account corresponding to the current transaction information to obtain a transaction executable result; performs transaction payment control on the transaction account according to the transaction executable result, identifies the transaction process through the above scheme, and determines whether the transaction is executable based on the identification, thereby effectively realizing compliance control of fund flows, identifying and controlling compliance risks from the source, and improving the efficiency and security of compliance control of fund data.

Description

Technical Field

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

[0002] With the continuous development of my country's economy and society, the Financial Regulatory Bureau has put forward higher requirements for the risk management of commercial banks. In particular, the use and flow of credit funds have become the focus of compliance inspections by regulatory authorities. The rational use of credit funds is not only related to the bank's risk management level, but also directly affects the stability and healthy development of the financial market. Therefore, how to effectively monitor and manage the use and flow of credit funds has become an urgent problem for financial institutions to solve.

[0003] At present, the monitoring of the use and flow of credit funds mainly relies on post-transaction data analysis, or control through fund supervision and entrusted payment. These methods have obvious drawbacks: on the one hand, post-analysis of fund flow violations is only a remedial measure for risk management, which cannot prevent risks at the source and is also subject to inspection and punishment by regulatory authorities; on the other hand, the applicable scenarios of fund supervision and entrusted payment are limited and cannot cover more general autonomous consumption scenarios, which are precisely the business areas that are the focus of regulatory inspections.

[0004] In summary, the main problem faced by existing technologies is the lack of real-time control over the use of credit funds, and the inability to effectively identify and manage risks when fund transactions occur. This leads to the easy illegal flow of credit funds during actual use, increasing the compliance risk and credit risk of financial institutions. In response to these problems, there is an urgent need for a technical solution that can monitor and control the use of credit funds in real time when transactions occur, so as to ensure the compliance use of credit funds and reduce the risks of financial institutions.

[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 data processing method, device, equipment, storage medium and computer program product, aiming to improve the efficiency and security of compliance management of financial data.

[0007] To achieve the above purpose, the present application proposes a data processing method, which includes:

[0008] In response to a transaction initiation request, obtaining current transaction information of a current transaction process;

[0009] According to the current transaction information and the pre-configured regulatory policy, the current transaction process is marked as a transaction;

[0010] Based on the transaction account corresponding to the current transaction information, performing an executability judgment on the current transaction process to obtain a transaction executability result;

[0011] The transaction payment management and control is performed on the transaction account according to the transaction execution result.

[0012] In one embodiment, the current transaction information includes a transaction channel, a transaction type, and a transaction timestamp, and the step of identifying the current transaction process according to the current transaction information and a pre-configured regulatory policy includes:

[0013] Generate a rule matching expression based on the pre-configured regulatory specification policy;

[0014] Perform rule matching based on the rule matching expression and the transaction channel and transaction type to obtain a matching result;

[0015] Query the transaction account according to the transaction timestamp to obtain transaction risk information in a preset historical time period;

[0016] According to the matching result and the transaction risk information, the current transaction process is marked as an account movement allowed state or an account movement suspended state.

[0017] In one embodiment, the step of determining the executability of the current transaction process based on the transaction account corresponding to the current transaction information to obtain the transaction executability result includes:

[0018] Determine a virtual account and several physical accounts corresponding to the transaction account;

[0019] If the identifier of the current transaction process is the account movement allowed state, then performing an executability judgment on the current transaction process based on the plurality of entity accounts to obtain a transaction executability result;

[0020] If the identifier of the current transaction process is the suspended account status, the executableness of the current transaction process is judged based on the virtual account and the plurality of physical accounts to obtain a transaction executableness result.

[0021] In one embodiment, the entity account includes an account where a transaction occurs, the current transaction information also includes a channel transaction amount, and if the identifier of the current transaction process is the account movement allowed state, the step of performing an executable judgment on the current transaction process based on the plurality of entity accounts to obtain a transaction executable result includes:

[0022] If the identifier of the current transaction process is the account movement permission status, determining whether the balance of the transaction account is not less than the channel transaction limit;

[0023] If the balance of the account where the transaction occurs is not less than the channel transaction amount, the transaction executable result is obtained.

[0024] In one embodiment, the entity account further includes a total funds account, and if the identifier of the current transaction process is the suspended account status, the step of performing an executable judgment on the current transaction process based on the virtual account and the plurality of entity accounts to obtain a transaction executable result includes:

[0025] If the identifier of the current transaction process is the suspended account status, determining whether the balance of the transaction account is not less than the channel transaction limit;

[0026] If the balance of the transaction account is not less than the channel transaction limit, then determine whether the difference between the balance of the total funds account and the balance of the virtual account is not less than the channel transaction limit;

[0027] If the difference between the balance of the total funds account and the balance of the above virtual account is not less than the channel transaction amount, an executable transaction result is obtained.

[0028] In one embodiment, the step of performing transaction payment control on the transaction account according to the transaction execution result includes:

[0029] If the transaction execution result is not the transaction executable result, reject the transaction and terminate the current transaction process;

[0030] If the transaction execution result is the transaction executable result, the balance of the virtual account is adjusted based on the channel transaction amount and the current transaction process is ended.

[0031] In addition, to achieve the above-mentioned purpose, the present application also proposes a data processing device, the data processing device comprising:

[0032] An acquisition module, used to obtain current transaction information of a current transaction process in response to a transaction initiation request;

[0033] An identification module, used to identify the current transaction process according to the current transaction information and a pre-configured regulatory policy;

[0034] A judgment module, configured to judge the executability of the current transaction process based on the transaction account corresponding to the current transaction information, and obtain a transaction executability result;

[0035] A management and control module is used to perform transaction payment management and control on the transaction account according to the transaction execution result.

[0036] In addition, to achieve the above objectives, the present application also proposes a data 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 data processing method described above.

[0037] 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 data processing method described above are implemented.

[0038] 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 data processing method described above are implemented.

[0039] One or more technical solutions proposed in the present application obtain current transaction information of the current transaction process by responding to a transaction initiation request; identify the current transaction process according to the current transaction information and a pre-configured regulatory policy; make an executable judgment on the current transaction process based on the transaction account corresponding to the current transaction information to obtain a transaction executable result; perform transaction payment management and control on the transaction account according to the transaction executable result. The transaction process is marked with the above solution, and whether the transaction is executable is judged based on the mark, thereby effectively realizing compliance management and control of fund flows, identifying and controlling compliance risks from the source, and improving the efficiency and security of compliance management and control of fund data. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] 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.

[0041] 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.

[0042] Figure 1 A flowchart of the first embodiment of the data processing method of the present application is provided;

[0043] Figure 2 A schematic diagram of a fund transaction processing flow at a channel end and an account end provided for an embodiment of the data processing method of the present application;

[0044] Figure 3A schematic diagram of virtual division of customer accounts provided in an embodiment of the data processing method of the present application;

[0045] Figure 4 A flowchart of the second embodiment of the data processing method of this application is provided;

[0046] Figure 5 This is a schematic diagram of the module structure of the data processing device according to an embodiment of the present application;

[0047] Figure 6 Schematic diagram of the device structure of the hardware operating environment involved in the data processing method in the embodiment of the present application.

[0048] 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

[0049] 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.

[0050] 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.

[0051] The main solution of the embodiment of the present application is to propose a real-time control plan for the use of credit funds based on virtual accounts. The core is to divide virtual accounts according to certain rules under the physical capital account. These virtual accounts are used to identify and divide loan funds and non-loan funds in the physical account, and clarify the applicable capital transaction scenarios and account periods of each virtual account. When a capital transaction occurs in a customer account, the system will automatically determine which virtual account the transaction funds should enter or be transferred out of according to preset rules. Such a design avoids violations of the use of credit funds as much as possible from the source, strengthens the control of the use and flow of credit funds, and effectively prevents credit and compliance risks.

[0052] Specifically, the solution optimizes the transaction process to achieve real-time fund flow control when fund transactions occur. On the channel side, the system will determine whether the current transaction is allowed to use credit funds based on information such as counterparties, transaction categories, and transaction scenarios, combined with industry regulations that regulate the prohibition of credit fund flows. The mark is passed to the accounting side for processing. The accounting side determines whether the transaction amount is executable based on the transaction amount and transaction marking mark on the channel side, combined with the customer's actual transaction account balance and virtual account balance. In this way, the solution can conduct real-time compliance control of fund flows when credit funds are used, identify and control compliance risks from the source, realize the refinement of loan fund use control, and improve the efficiency and effectiveness of risk management.

[0053] On the one hand, existing technologies only provide remedial measures for risk management for post-event analysis of illegal fund flows, which cannot prevent risks at the source and are also subject to inspection and punishment by regulators. On the other hand, the applicable scenarios of fund supervision and entrusted payment are limited and cannot cover more general autonomous consumption scenarios, which are precisely the business areas that are the focus of regulatory inspections.

[0054] In summary, the main problem faced by existing technologies is the lack of real-time control over the use of credit funds, and the inability to effectively identify and manage risks when fund transactions occur. This leads to the easy illegal flow of credit funds during actual use, increasing the compliance risk and credit risk of financial institutions. In response to these problems, there is an urgent need for a technical solution that can monitor and control the use of credit funds in real time when transactions occur, so as to ensure the compliance use of credit funds and reduce the risks of financial institutions.

[0055] The present application provides a solution, which obtains the current transaction information of the current transaction process in response to a transaction initiation request; identifies the current transaction process according to the current transaction information and a pre-configured regulatory policy; makes an executable judgment on the current transaction process based on the transaction account corresponding to the current transaction information to obtain a transaction executable result; and performs transaction payment management and control on the transaction account according to the transaction executable result. The transaction process is marked with the above solution, and whether the transaction is executable is judged based on the mark, thereby effectively realizing compliance management and control of fund flows, identifying and controlling compliance risks from the source, and improving the efficiency and security of compliance management and control of fund data.

[0056] 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 data processing system, etc. The following takes a data processing system as an example to illustrate this embodiment and the following embodiments.

[0057] Based on this, the present application embodiment provides a data processing method, referring to Figure 1 , Figure 1 This is a flowchart of the first embodiment of the data processing method of the present application.

[0058] In this embodiment, the data processing method includes steps S1000 to S4000:

[0059] Step S1000: In response to a transaction initiation request, obtaining current transaction information of a current transaction process;

[0060] It should be noted that in the embodiments of the present application, in order to avoid violations in the use of credit funds as much as possible, strengthen the management and control of the use and flow of credit funds, and effectively prevent credit and compliance risks, a real-time management and control scheme for the use of credit funds based on virtual accounts is proposed. The core is to divide virtual accounts according to certain rules under the physical capital account. These virtual accounts are used to identify and divide loan funds and non-loan funds in the physical account, and to clarify the applicable capital transaction scenarios and account terms of each virtual account. When a capital transaction occurs in a customer account, the system will automatically decide which virtual account the transaction funds should enter or be transferred out of according to preset rules.

[0061] Specifically, refer to Figure 2 , Figure 2 A schematic diagram of the processing flow of fund transactions on the channel side and the account side provided for the data processing method embodiment of this application. The solution realizes real-time fund flow control when fund transactions occur by optimizing the transaction process. On the channel side, the system will determine whether the current transaction is allowed to use credit funds based on information such as counterparties, transaction categories, transaction scenarios, and combined with industry regulations that regulate the prohibition of credit fund flows, and mark the mark, and pass the mark to the account side for processing. The account side determines whether the transaction amount is executable based on the transaction amount and transaction marking mark on the channel side, combined with the customer's actual transaction account balance and virtual account balance. In this way, the solution can conduct real-time compliance control of fund flows when credit funds are used, identify and control compliance risks from the source, realize the refinement of loan fund use control, and improve the efficiency and effectiveness of risk management.

[0062] Current transaction information is key data in the transaction processing process, including transaction channels, transaction types, and transaction timestamps. This information provides the basis for subsequent transaction identification and execution judgment. Transaction channels refer to the platform or path where transactions occur, such as online banking, mobile banking, or counters; transaction types refer to the specific types of transactions, such as transfers, payments, or loan issuance; transaction timestamps record the specific time when transactions occur, which is helpful for supervision and auditing. The purpose of obtaining this information is to ensure the compliance and security of transactions, and also to meet regulatory requirements and conduct real-time monitoring and analysis of transactions.

[0063] In addition, it should be noted that the operation of obtaining this information can be automatically completed by the system. When the system receives a transaction initiation request, it will automatically capture and record the relevant transaction information. This information will be used in subsequent transaction processing steps to ensure the compliance and effectiveness of the transaction. For example, in a specific implementation, when the system receives a transfer request from an online bank, it will automatically record the channel of the request as "online banking", the transaction type as "transfer", and record the specific timestamp of the transaction initiation.

[0064] Step S2000: According to the current transaction information and the pre-configured regulatory policy, the current transaction process is marked with a transaction identifier;

[0065] It should be noted that the transaction identification step is the core link in the entire transaction control process. In this step, the system will generate a rule matching expression based on the current transaction information and pre-configured regulatory policy, and perform rule matching based on the expression as well as the transaction channel and transaction type to obtain a matching result. In addition, the system will query the transaction risk information of the transaction account in the preset historical time period based on the transaction timestamp. The purpose of these operations is to determine whether the current transaction meets regulatory requirements and whether there are risks, so as to decide whether to allow the transaction to continue.

[0066] In addition, it should be noted that, based on the matching results and transaction risk information, the system will mark the current transaction process as a state where account movement is allowed or a state where account movement is suspended. This mark will directly affect the subsequent transaction execution judgment and payment control. For example, in a specific implementation, if the system finds through rule matching that a transaction violates regulatory provisions, such as if the counterparty belongs to a restricted industry, the system will mark the transaction as a state where account movement is suspended, thereby preventing the further execution of the transaction.

[0067] Step S3000: Based on the transaction account corresponding to the current transaction information, the current transaction process is judged for executability to obtain a transaction executability result;

[0068] It should be noted that the execution judgment step is to further ensure the compliance and security of the transaction. In this step, the system will determine the virtual account and several physical accounts corresponding to the transaction account. If the current transaction process is marked as allowing account movement, the system will make an execution judgment on the current transaction process based on the physical account; if it is marked as suspending account movement, it will be judged based on the virtual account and the physical account. The purpose of this step is to determine whether the transaction can be executed based on the actual funds of the account.

[0069] In addition, it should be noted that the execution judgment also includes checking whether the balance of the account where the transaction occurs meets the channel transaction limit. If the account balance meets the requirements, the system will obtain a result that the transaction is executable. For example, in a specific implementation, if a transaction is marked as allowing account movement, the system will check whether the balance of the account where the transaction occurs is sufficient to cover the transaction amount. If the balance is sufficient, the system will obtain a result that the transaction is executable and allow the transaction to continue.

[0070] Step S4000: performing transaction payment management and control on the transaction account according to the transaction execution result.

[0071] It should be noted that the transaction payment control step is the last link in the transaction processing process, which directly determines whether the transaction can be finally executed. In this step, if the transaction execution result is not an executable result, the system will reject the transaction and terminate the current transaction process; if the transaction execution result is an executable result, the system will adjust the balance of the virtual account based on the channel transaction amount and end the current transaction process. The purpose of this step is to ensure that only transactions that meet regulatory requirements and account funding conditions can be finally executed, thereby ensuring the financial security and compliance of financial institutions.

[0072] In addition, it should be noted that this step also involves the adjustment of the virtual account balance, which is based on the design of the virtual account and is used to identify and control the use of credit funds. For example, in a specific implementation, if the system determines that a transaction is executable and the balance of the account where the transaction occurs is sufficient to cover the transaction amount, the system will adjust the balance of the virtual account to reflect the use of credit funds and complete the transaction. If the transaction is not executable, the system will reject the transaction and take corresponding risk control measures.

[0073] In a feasible implementation manner, the current transaction information includes a transaction channel, a transaction type, and a transaction timestamp. Step S2000 may include steps S2100 to S2400:

[0074] Step S2100: Generate a rule matching expression based on the pre-configured regulatory specification policy;

[0075] Step S1200: performing rule matching based on the rule matching expression and the transaction channel and transaction type to obtain a matching result;

[0076] Step S2300: querying the transaction account for transaction risk information in a preset historical time period according to the transaction timestamp;

[0077] Step S2400: According to the matching result and the transaction risk information, the current transaction process is marked as an account movement allowed state or an account movement suspended state.

[0078] It should be noted that the transaction identification process is based on the current transaction information and pre-configured regulatory policy. In this process, the system first generates rule matching expressions based on the regulatory policy. These expressions are the basis for the system to determine whether the transaction is compliant. Next, the system will match the rules based on these rule matching expressions as well as the transaction channel and transaction type to obtain the matching results. The purpose of this step is to identify whether the transaction complies with regulatory requirements. At the same time, the system will also query the transaction risk information of the transaction account in the preset historical time period based on the transaction timestamp, which helps the system understand the transaction history and risk status of the account. Finally, the system will mark the current transaction process as allowing account movement or suspending account movement based on the matching results and transaction risk information. This identification will directly affect whether the transaction can continue to be executed.

[0079] In addition, it should be noted that the transaction channel refers to the platform or way in which the transaction occurs, such as online banking, mobile banking, etc.; the transaction type refers to the specific type of transaction, such as transfer, payment or loan issuance, etc.; the transaction timestamp records the specific time when the transaction occurs, which is helpful for supervision and auditing. The regulatory norms strategy is a series of rules pre-set by financial institutions according to the requirements of the regulatory authorities to guide the compliance judgment of transactions.

[0080] For example, in one feasible implementation, the system receives a transaction request and first obtains the channel, type, and timestamp information of the transaction. Then, the system generates rule matching expressions based on pre-set regulatory specification policies, and matches these expressions with the transaction channel and type to obtain matching results. At the same time, the system will also query the transaction risk information of the transaction account in the recent period. If the matching results and risk information both show that the transaction is compliant, the system will mark the transaction as a state of allowing account movement; if there are any signs of non-compliance, the system will mark the transaction as a state of suspended account movement. Such a processing flow ensures the compliance of transactions and effectively controls the flow of credit funds.

[0081] In a feasible implementation manner, step S3000 may include steps S3100 to S3300:

[0082] Step S3100: Determine a virtual account and several physical accounts corresponding to the transaction account;

[0083] Step S3200: If the identifier of the current transaction process is the account change allowed state, then the executableness of the current transaction process is determined based on the plurality of entity accounts to obtain a transaction executableness result;

[0084] Step S3300: If the identifier of the current transaction process is the suspended account status, the executableness of the current transaction process is judged based on the virtual account and the plurality of physical accounts to obtain a transaction executableness result.

[0085] It should be noted that the execution judgment of the transaction process to determine whether the transaction is executable mainly involves the determination of the virtual account and the physical account of the transaction account, and the corresponding judgment based on the different states of the transaction process identifier. In the embodiment of the present application, the virtual account is divided under the physical fund account according to certain rules, which is used to identify and control loan funds and non-loan funds. The physical account includes the transaction account and the total funds account, where the transaction account refers to the account where the transaction is actually conducted, and the total funds account refers to the sum of funds of all accounts of the customer in the financial institution.

[0086] In addition, it should be noted that when the transaction process is marked as a state where account movement is allowed, the system will make an executable judgment on the transaction process based on the physical account. This means that the system will check whether the balance of the account where the transaction occurs meets the channel transaction quota. If it does, the transaction can be executed. When the transaction process is marked as a state where account movement is suspended, the system will not only check the account where the transaction occurs, but also combine the balance difference between the virtual account and the total funds account to determine whether the transaction can be executed. The purpose of this process is to ensure the compliance of credit funds and prevent illegal flows of funds.

[0087] For example, refer to Figure 3 , Figure 3 A schematic diagram of the virtual division of a customer account provided in an embodiment of the data processing method of the present application, in a feasible implementation, the system first determines a virtual account and several physical accounts corresponding to a customer's trading account. The customer's trading account involves a large transfer. According to the previous transaction identification step, the system has marked the transaction process as allowing the account to be moved. Therefore, the system checked the balance of the customer's transaction account and found that the balance was sufficient to cover the transfer amount, so the system concluded that the transaction was executable. Subsequently, the system adjusted the balance of the virtual account according to the channel transaction amount and ended the transaction process. In this way, not only the immediacy and security of the transaction are ensured, but also it meets regulatory requirements and realizes real-time control over the use of credit funds.

[0088] The present embodiment provides a data processing method, which obtains current transaction information of a current transaction process in response to a transaction initiation request; identifies the current transaction process according to the current transaction information and a pre-configured regulatory specification policy; makes an executable judgment on the current transaction process based on the transaction account corresponding to the current transaction information to obtain a transaction executable result; performs transaction payment control on the transaction account according to the transaction executable result, identifies the transaction process through the above scheme, and determines whether the transaction is executable based on the identification, thereby effectively realizing compliance control of fund flows, identifying and controlling compliance risks from the source, and improving the efficiency and security of compliance control of fund data.

[0089] 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 4 , the entity account includes a transaction account, the current transaction information also includes a channel transaction amount, and step S3200 of the data processing method may include steps S3210 to S3220:

[0090] Step S3210: If the identifier of the current transaction process is the account-moving-allowed state, determining whether the balance of the transaction account is not less than the channel transaction limit;

[0091] Step S3220: If the balance of the account where the transaction occurs is not less than the channel transaction amount, the transaction executable result is obtained.

[0092] It should be noted that in the embodiment of the present application, the purpose of making an executable judgment is to ensure that the transaction is carried out with sufficient funds and to prevent transaction failures due to insufficient account balances. The system will decide how to make an executable judgment based on the identification status of the transaction process, that is, whether the account movement status is allowed or the account movement status is suspended. The transaction account refers to the account where the funds are actually received and paid, and the channel transaction limit refers to the maximum transaction amount allowed for a specific transaction channel. The system determines whether the transaction is executable by comparing the balance of the transaction account and the channel transaction limit. This process is designed to ensure the smooth progress of the transaction while avoiding the risks brought by excessive transactions.

[0093] In addition, it should be noted that when the transaction process is marked as allowing account movement, the system will make a judgment directly based on the physical account. If the balance of the account where the transaction occurs is not less than the channel transaction amount, the system will conclude that the transaction is executable, which means that the transaction can proceed smoothly because there is enough money in the account to cover the transaction amount. The purpose of this step is to simplify the transaction process, improve transaction efficiency, and ensure the security of the transaction.

[0094] For example, in a feasible implementation, a customer initiates a transfer transaction through online banking. The system first determines that the transaction channel is online banking and obtains the transaction limit of the channel. Then, the system checks whether the balance of the customer's transaction account meets the channel transaction limit. If the customer's account balance is sufficient, the system will mark the transaction as executable and continue to execute the transaction process to complete the transfer. In this process, the system ensures the compliance of the transaction and the security of the account funds, while also improving the efficiency of the transaction and the customer's transaction experience.

[0095] In a feasible implementation manner, the entity account also includes a total funds account, and step S3300 may include steps S3310 to S3330:

[0096] Step S3310: If the identifier of the current transaction process is the suspended account status, determining whether the balance of the transaction account is not less than the channel transaction limit;

[0097] Step S3320: If the balance of the transaction account is not less than the channel transaction limit, determine whether the difference between the balance of the total funds account and the balance of the virtual account is not less than the channel transaction limit;

[0098] Step S3330: If the difference between the balance of the total funds account and the balance of the above virtual account is not less than the channel transaction amount, a transaction executable result is obtained.

[0099] It should be noted that this is to ensure the compliance of transactions and the security of account funds when the flow of credit funds is restricted. In the embodiment of the present application, when the transaction is marked as suspended, the system will first check whether the balance of the account where the transaction occurs meets the channel transaction limit. This is to ensure that there are enough funds in the account to cover the transaction amount. If the balance of the account where the transaction occurs meets the conditions, the system will further compare the balance difference between the total funds account and the virtual account to determine whether there are enough non-credit funds to support the transaction. The total funds account refers to the sum of funds in all accounts of the customer within the financial institution, and the virtual account is a special account used to identify and control loan funds. In this way, the system can effectively manage the flow of credit funds while ensuring transaction compliance.

[0100] In addition, it should be noted that the purpose of this process is to comprehensively evaluate the feasibility of transactions by checking the funding status of multiple accounts under trading restrictions. This method not only improves the flexibility of transaction management, but also provides customers with more accurate services while complying with regulatory requirements.

[0101] For example, in one feasible implementation, a customer attempts to use credit funds to make a large purchase, but the transaction is marked as suspended by the system. The system first checks the customer's transaction account and finds that the balance is sufficient to cover the channel transaction limit. The system then compares the balance difference between the customer's total funds account and the virtual account, and confirms that this difference also meets the channel transaction limit requirements. Therefore, the system concludes that the transaction is executable and continues to execute the transaction process. This ensures that even when credit funds are restricted, the customer's transaction can proceed smoothly while meeting regulatory requirements and fund security. In this way, the system achieves real-time control over the use of credit funds and effectively prevents credit and compliance risks.

[0102] In a feasible implementation manner, step S4000 may include steps S4100 to S4200:

[0103] Step S4100: If the transaction execution result is not the transaction executable result, reject the transaction and terminate the current transaction process;

[0104] Step S4100: If the transaction execution result is the transaction executable result, the balance of the virtual account is adjusted based on the channel transaction amount and the current transaction process is terminated.

[0105] It should be noted that in the embodiment of the present application, payment control of the transaction account is carried out according to the transaction execution result in order to ensure the compliance of the transaction. In this step, the system will decide whether to execute the transaction according to the transaction execution result obtained in the previous step. If the transaction execution result shows that the transaction is not executable, the system will reject the transaction and terminate the current transaction process. This is to prevent the funds from being used illegally or flowing to non-compliant areas. On the contrary, if the transaction execution result shows that the transaction is executable, the system will adjust the balance of the virtual account based on the channel transaction amount and end the current transaction process. This can ensure the correct use of credit funds and maintain the balance of account funds.

[0106] In addition, it should be noted that this process not only involves real-time monitoring of transactions, but also dynamic management of account funds. By adjusting the virtual account balance, the system can track and manage the use of credit funds to ensure that the use of funds complies with regulatory requirements. This control mechanism helps financial institutions improve their risk management capabilities while also protecting the safety of customers' funds.

[0107] In a feasible implementation, a customer initiates a transaction. The system first identifies the transaction process based on the transaction information and regulatory policy to determine whether the transaction is allowed to be moved. Next, the system makes an executable judgment based on the virtual account and physical account corresponding to the transaction account to determine whether the transaction is executable. During the judgment process, the system checks the balance of the account where the transaction occurs and the balance difference between the total funds account and the virtual account to ensure that the transaction amount meets the requirements. Finally, based on the results of the executable judgment, the system decides whether to adjust the balance of the virtual account and end the transaction process. If the transaction is judged to be executable, the system will adjust the virtual account balance to reflect the new funding status and complete the transaction; if the transaction is not executable, the system will reject the transaction and terminate the process, thereby preventing potential risks. This process ensures the compliance of the transaction while also improving the efficiency and security of transaction management.

[0108] For example, a customer may have multiple accounts within a financial institution, and a virtual account is set for all of the customer's accounts. For example, if a customer applies for multiple loans, the funds for loan 1 go to customer account 1, and the funds for loan 2 go to customer account 2, then the balance of the credit funds virtual account is the sum of the amounts of loan 1 and loan 2. The specific management and control logic is as follows: Assume that the total balance of funds in all customer accounts is M, the transaction amount on the channel side is M1, the balance of funds in the customer's actual transaction account (assuming that the current transaction account is customer account 1) is M2, and the balance of the credit funds virtual account is M3. If the channel's marking result for the transaction is that the credit funds are allowed to be used, then the transaction can occur as long as the customer's actual transaction account balance M2 is greater than or equal to the channel's transaction amount M1. Otherwise, the transaction will be rejected.

[0109] At the same time, because this transaction allows the use of credit funds, the balance of the credit fund virtual account M3 will be "spent" accordingly, and the balance will be adjusted to: MAX(M3-M1,0), that is, the system believes that this transaction scenario gives priority to the use of credit funds, so the subsequent need to control the credit fund balance is reduced accordingly. When the balance of the credit fund virtual account is 0, all transactions of the customer will no longer be subject to control.

[0110] If the result of the transaction marking by the channel side is that the use of credit funds is not allowed, such as in the scenario of purchasing financial products, then the following two conditions must be met at the same time: first, the customer's actual transaction account balance M2>=channel transaction amount M1, and second, the total balance of all customer accounts M-credit fund virtual account M3>=channel transaction amount M1. Only then can the transaction occur. Otherwise, the transaction will be rejected. At the same time, because the transaction is not allowed to use credit funds, the balance of the credit fund virtual account M3 remains unchanged and needs to be managed and controlled until the account balance is 0.

[0111] As mentioned above, by setting up a virtual account for credit funds, when credit funds are deposited into a customer account, the virtual account balance will increase accordingly. When the customer account is subsequently used, the channel side will mark the transaction, and the account side will determine the transaction amount based on the mark, so that the compliance management of the credit fund flow can be carried out in real time.

[0112] The present embodiment provides a data processing method, which obtains current transaction information of a current transaction process in response to a transaction initiation request; identifies the current transaction process according to the current transaction information and a pre-configured regulatory specification policy; makes an executable judgment on the current transaction process based on the transaction account corresponding to the current transaction information to obtain a transaction executable result; performs transaction payment control on the transaction account according to the transaction executable result, identifies the transaction process through the above scheme, and determines whether the transaction is executable based on the identification, thereby effectively realizing compliance control of fund flows, identifying and controlling compliance risks from the source, and improving the efficiency and security of compliance control of fund data.

[0113] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the data 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.

[0114] This application also provides a data processing device, please refer to Figure 5 , the data processing device comprises:

[0115] The acquisition module 51 is used to obtain the current transaction information of the current transaction process in response to the transaction initiation request;

[0116] An identification module 52, configured to identify the current transaction process according to the current transaction information and a pre-configured regulatory policy;

[0117] A judgment module 53, configured to judge the executability of the current transaction process based on the transaction account corresponding to the current transaction information, and obtain a transaction executability result;

[0118] The control module 54 is used to perform transaction payment control on the transaction account according to the transaction execution result.

[0119] The data processing device provided by the present application adopts the data processing method in the above embodiment to solve the technical problem of data processing. Compared with the prior art, the beneficial effects of the data processing device provided by the present application are the same as the beneficial effects of the data processing method provided by the above embodiment, and other technical features in the data processing device are the same as the features disclosed in the above embodiment method, which will not be described in detail here.

[0120] The present application provides a data processing device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable 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 data processing method in the above-mentioned embodiment 1.

[0121] Reference below Figure 6 , which shows a schematic diagram of the structure of a data processing device suitable for implementing an embodiment of the present application. The data 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 data 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.

[0122] like Figure 6 As shown, the data 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 data 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 data processing device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a data 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.

[0123] 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.

[0124] The data processing device provided in the present application adopts the data processing method in the above-mentioned embodiment. Compared with the prior art, the beneficial effects of the data processing device provided in the present application are the same as the beneficial effects of the data processing method provided in the above-mentioned embodiment, and other technical features in the data processing device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0125] 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.

[0126] 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.

[0127] 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 data processing method in the above-mentioned embodiment.

[0128] 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.

[0129] The computer-readable storage medium may be included in a data processing device, or may exist independently without being incorporated into a data processing device.

[0130] 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).

[0131] The flowcharts 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 application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of a code, and the module, a 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 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 and / or flowchart, and the combination of boxes in the block diagram and / or flowchart 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.

[0132] 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.

[0133] The readable storage medium provided in the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned data processing method, and can solve the technical problems of data processing. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in the present application are the same as the beneficial effects of the data processing method provided in the above-mentioned embodiment, and will not be repeated here.

[0134] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned data processing method when executed by a processor.

[0135] The computer program product provided by this application can solve the technical problem of data processing. 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 data processing method provided by the above embodiment, which will not be repeated here.

[0136] 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 data processing method, characterized in that: The method comprises: In response to a transaction initiation request, obtaining current transaction information of a current transaction process; According to the current transaction information and the pre-configured regulatory policy, the current transaction process is marked as a transaction; Based on the transaction account corresponding to the current transaction information, performing an executability judgment on the current transaction process to obtain a transaction executability result; The transaction payment management and control is performed on the transaction account according to the transaction execution result.

2. The method according to claim 1, characterized in that The current transaction information includes a transaction channel, a transaction type, and a transaction timestamp. The step of performing a transaction identification on the current transaction process according to the current transaction information and a pre-configured regulatory policy includes: Generate a rule matching expression based on the pre-configured regulatory specification policy; Perform rule matching based on the rule matching expression and the transaction channel and transaction type to obtain a matching result; Query the transaction account according to the transaction timestamp to obtain transaction risk information in a preset historical time period; According to the matching result and the transaction risk information, the current transaction process is marked as an account movement allowed state or an account movement suspended state.

3. The method according to claim 2, characterized in that The step of determining the executability of the current transaction process based on the transaction account corresponding to the current transaction information to obtain the transaction executability result comprises: Determine a virtual account and several physical accounts corresponding to the transaction account; If the identifier of the current transaction process is the account movement allowed state, then performing an executability judgment on the current transaction process based on the plurality of entity accounts to obtain a transaction executability result; If the identifier of the current transaction process is the suspended account status, the executableness of the current transaction process is judged based on the virtual account and the plurality of physical accounts to obtain a transaction executableness result.

4. The method according to claim 3, characterized in that The entity account includes an account where a transaction occurs, the current transaction information also includes a channel transaction amount, and if the identifier of the current transaction process is the account movement allowed state, the step of performing an executable judgment on the current transaction process based on the plurality of entity accounts to obtain a transaction executable result includes: If the identifier of the current transaction process is the account movement permission status, determining whether the balance of the transaction account is not less than the channel transaction limit; If the balance of the account where the transaction occurs is not less than the channel transaction amount, the transaction executable result is obtained.

5. The method according to claim 4, characterized in that The entity account also includes a total funds account. If the identifier of the current transaction process is the suspended account status, the step of determining the execution of the current transaction process based on the virtual account and the plurality of entity accounts to obtain the transaction execution result includes: If the identifier of the current transaction process is the suspended account status, determining whether the balance of the transaction account is not less than the channel transaction limit; If the balance of the transaction account is not less than the channel transaction limit, then determine whether the difference between the balance of the total funds account and the balance of the virtual account is not less than the channel transaction limit; If the difference between the balance of the total funds account and the balance of the above virtual account is not less than the channel transaction amount, an executable transaction result is obtained.

6. The method according to claim 5, characterized in that The step of performing transaction payment control on the transaction account according to the transaction execution result comprises: If the transaction execution result is not the transaction executable result, reject the transaction and terminate the current transaction process; If the transaction execution result is the transaction executable result, the balance of the virtual account is adjusted based on the channel transaction amount and the current transaction process is ended.

7. A data processing device, characterized in that: The device comprises: An acquisition module, used to obtain current transaction information of a current transaction process in response to a transaction initiation request; An identification module, used to identify the current transaction process according to the current transaction information and a pre-configured regulatory policy; A judgment module, configured to judge the executability of the current transaction process based on the transaction account corresponding to the current transaction information, and obtain a transaction executability result; A management and control module is used to perform transaction payment management and control on the transaction account according to the transaction execution result.

8. A data 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 data 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 data 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 data processing method according to any one of claims 1 to 6 are implemented.

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