Data processing method and device, nonvolatile storage medium and electronic equipment

Abstract

The invention discloses a data processing method and device, a nonvolatile storage medium and electronic equipment. The method comprises the steps that operator package information corresponding to a target number is acquired, and the operator package information at least comprises package value of an operator package used by the target number; according to the package value of the operator package used by the target number, determining a quota reference allowing arrearage of the target number, and setting a target rule based on the operator package information and the quota reference; and obtaining quota application information initiated by the target number, judging whether the quota application information meets the target rule, and outputting the target number of which the quota application information meets the target rule according to a preset template format. According to the method and the device, the technical problem of relatively high manual evaluation cost caused by incapability of automatically evaluating the credit line of the target number in real time is solved.

Description

Technical Field

[0001] The present application relates to the fields of information technology and management science, and specifically, to a data processing method and device, a non-volatile storage medium, and an electronic device. Background Art

[0002] In the communications industry, the management of special credit lines for government and enterprise customers often involves complex approval processes and risk assessments, which not only affects business flexibility but also increases the burden on corporate management.

[0003] In daily management, relevant processing personnel found that due to the large number of numbers involved, front-line personnel were unable to obtain real-time user information and relied too much on outdated user information. Ultimately, the activation application did not solve the problem and also generated unnecessary approval workload.

[0004] In addition, due to the inconsistent approval styles of different approvers and a certain personnel turnover rate in enterprises, the relevant processes fail to ensure that each application for special government and enterprise credit lines is evaluated and processed according to the same standards.

[0005] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0006] The present application provides a data processing method and device, a non-volatile storage medium, and an electronic device to at least solve the technical problem of high manual evaluation costs caused by the inability to automatically evaluate the credit limit of a target number in real time.

[0007] According to one aspect of the present application, a data processing method is provided, including: obtaining operator package information corresponding to a target number, wherein the operator package information includes at least: the package value of the operator package used by the target number; determining a credit limit benchmark for allowing the target number to be in arrears based on the package value of the operator package used by the target number, and setting a target rule based on the operator package information and the credit limit benchmark; obtaining credit limit application information initiated by the target number, determining whether the credit limit application information satisfies the target rule, and outputting the target number whose credit limit application information satisfies the target rule in a preset template format.

[0008] Optionally, obtaining the operator package information corresponding to the target number includes: using a data processing tool to extract initial information from different data sources, wherein the initial information includes: the package value of the operator package used by the target number, the payment method of the target number for the operator package used, the payment information of the target number for the operator package used, the number status information of the target number, the customer attribute information corresponding to the target number, and the customer portrait information corresponding to the target number; storing the initial information in a target database, and using different preset functions to call different types of data in the target database.

[0009] Optionally, the credit limit benchmark for allowing the target number to be in arrears is determined based on the package value of the operator package used by the target number, including: determining a comprehensive discount rate based on the ratio of the target value to the package monthly fee, wherein the target value is the product of the package monthly fee and the target discount rate, and the target discount rate is a discount rate that only includes non-discounted values; when the discount attribute of the target number is a monthly discount, a preset multiple of the package value of the operator package used by the target number is determined as the credit limit benchmark; when the discount attribute of the target number is a daily discount, the package value of the operator package used by the target number is multiplied by the comprehensive discount rate to obtain the target package value, and the preset multiple of the target package value is determined as the credit limit benchmark.

[0010] Optionally, target rules based on operator package information and credit limit benchmark are set, including: determining whether the target number is an individual user based on the customer portrait information corresponding to the target number; determining whether the target number has any arrears based on the payment information of the target number for the operator package used; determining whether the payment method of the target number for the operator package used is non-bank collection and non-bank deduction; determining whether the current status of the target number is a compliant state based on the number status information of the target number; determining whether the target number is in a preset number list based on the customer attribute information corresponding to the target number; setting the following content as the target rule: when the target number is an individual user, the payment duration is greater than or equal to the first preset duration and there is no arrears within the payment duration, there is no arrears from the month before the current month continuing to the current month, the payment method is non-bank collection and non-bank deduction, the current status of the target number is a compliant state, the target number is not in the preset number list, the arrears application amount of the target number for the operator package is not greater than the credit limit benchmark and the arrears application duration is less than the preset duration.

[0011] Optionally, after outputting the target number whose credit limit application information meets the target rules in accordance with the preset template format, the method also includes: obtaining a data retrieval request for the operator package information corresponding to the target number in the preset template format, wherein the data retrieval request includes: identity information and target data; encrypting and transmitting the data retrieval request to the back-end server, the back-end server determines whether the identity information is in the preset authority rule library, and if it is determined that the identity information is in the preset authority rule library, extracting the target data from the target storage location; encrypting and transmitting the target data to the front-end interface, and triggering a download prompt for the target data on the front-end interface.

[0012] Optionally, the method also includes: determining, based on the operator package information, a first number that has joined the special credit line for government and enterprises, has only bimonthly arrears and has been suspended, and determining a second number that has joined the special credit line for government and enterprises, has only real-time arrears and has been suspended; determining an insufficient balance report based on the first number and the second number; determining a third number that has joined the special credit line for government and enterprises and whose limit expires in the month after the current month; determining an expiration warning report based on the third number; and displaying the insufficient balance report and the expiration warning report.

[0013] Optionally, after outputting the target number whose credit application information meets the target rules in accordance with a preset template format, the method also includes: randomly extracting the number in the credit application form at a preset time interval, obtaining the operator package information corresponding to the number, and receiving the target conclusion of whether the number meets the target rules determined by the target object based on the operator package information corresponding to the number; if the target conclusion indicates that the number meets the target rules, determining whether the number is included in the numbers output in accordance with the preset template format; if the number is not included in the numbers output in accordance with the preset template format, determining the part in the target rule that has a logical error, and generating a rectification list based on the part with the logical error.

[0014] According to another aspect of the present application, a data processing device is also provided, including: an acquisition module, used to obtain the operator package information corresponding to the target number, wherein the operator package information at least includes: the package value of the operator package used by the target number; a determination module, used to determine the credit limit benchmark for allowing the target number to be in arrears based on the package value of the operator package used by the target number, and set a target rule based on the operator package information and the credit limit benchmark; an output module, used to obtain the credit limit application information initiated by the target number, determine whether the credit limit application information meets the target rules, and output the target number whose credit limit application information meets the target rules according to a preset template format.

[0015] According to another aspect of the present application, a non-volatile storage medium is provided, the storage medium includes a stored program, wherein when the program is executed, the device where the storage medium is located is controlled to execute the above data processing method.

[0016] According to another aspect of the present application, an electronic device is provided, including: a memory and a processor, wherein the processor is used to run a program stored in the memory, wherein the above data processing method is executed when the program is run.

[0017] According to yet another aspect of the present application, a computer program is provided, wherein the above data processing method is implemented when the computer program is executed by a processor.

[0018] According to another aspect of the present application, a computer program product is provided, which includes a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above data processing method is implemented.

[0019] In the present application, the operator package information corresponding to the target number is obtained, wherein the operator package information includes at least: the package value of the operator package used by the target number; according to the package value of the operator package used by the target number, the credit limit benchmark for allowing the target number to be in arrears is determined, and a target rule based on the operator package information and the credit limit benchmark is set; the credit limit application information initiated by the target number is obtained, it is determined whether the credit limit application information meets the target rule, and the credit limit application information of the target number that meets the target rule is output according to a preset template format, thereby achieving the purpose of real-time automatic evaluation of the credit limit of the target number, thereby realizing the technical effect of reducing the evaluation cost of the credit limit of the target number, and further solving the technical problem of high manual evaluation cost caused by the inability to automatically evaluate the credit limit of the target number in real time. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0021] Figure 1 is a flow chart of a data processing method according to an embodiment of the present application;

[0022] Figure 2 is a flow chart of another data processing method according to an embodiment of the present application;

[0023] Figure 3 is a flow chart of a method for setting target rules according to an embodiment of the present application;

[0024] Figure 4 is a structural diagram of a data processing device according to an embodiment of the present application;

[0025] Figure 5It is a hardware structure block diagram of a computer terminal according to a data processing method of an embodiment of the present application. DETAILED DESCRIPTION

[0026] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0027] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0028] According to an embodiment of the present application, a method embodiment of a data processing method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0029] Figure 1 is a flow chart of a data processing method according to an embodiment of the present application, such as Figure 1 As shown, the method comprises the following steps:

[0030] Step S102, obtaining the operator package information corresponding to the target number, wherein the operator package information at least includes: the package value of the operator package used by the target number.

[0031] Among them, the target number is a mobile phone number that can enjoy special credit lines for government and enterprises.

[0032] By querying the user package table and other information sources in the database, the details of the operator package currently used by the target number are obtained. The package information at least includes the package value, that is, the monthly fee paid by the user for this package, which is the key basis for determining the quota benchmark in the future.

[0033] Step S104, determining the credit limit benchmark for allowing the target number to be in arrears according to the package value of the operator package used by the target number, and setting a target rule based on the operator package information and the credit limit benchmark.

[0034] It should be noted that in this application, the credit limit refers to the special credit limit for government and enterprises, which is a special credit arrangement for government and enterprise customers under certain conditions. This credit limit is usually evaluated based on factors such as the customer's credit history, business scale, cooperative relationship, and payment record. It allows government and enterprise customers to continue to use the operator's services beyond the regular credit limit. The purpose of the special credit limit is to support the business continuity and flexibility of government and enterprise customers at critical moments or major projects, such as during large-scale events, emergencies, or business peaks, to ensure the stability and reliability of communications and services. At the same time, this also reflects the operator's trust and support for long-term cooperative customers. The specific amount and usage conditions will be customized according to the agreement between the two parties and the actual needs of the customer.

[0035] In step S104, the credit limit is determined based on the package value of the target number, which can be set as a certain multiple of the package value. For example, the rule stipulates that the credit limit applied for by an individual user shall not exceed twice the value of his current package, while corporate users can set different multiples based on their customer grouping and user value. At the same time, combined with the operator's package information, the system needs to set target rules to determine whether the application is reasonable, including but not limited to payment method (non-bank collection / bank deduction), user status (non-fraudulent), arrears (no arrears in alternate months), etc.

[0036] Step S106, obtaining the credit application information initiated by the target number, determining whether the credit application information meets the target rules, and outputting the target number whose credit application information meets the target rules according to a preset template format.

[0037] In step S106, when the user or frontline staff submits a quota application for the target number, the relevant application information is automatically collected and analyzed, and then compared with the target rules set in step S104. If the application information fully meets all the rules, the system will output the number in a preset template format, indicating that its application meets the conditions for opening; on the contrary, if the application information does not match the rules, the system will output the corresponding reason and prompt the frontline staff to make necessary adjustments or processing.

[0038] According to the above steps, automation and data processing technology are effectively used to improve the efficiency and accuracy of special credit line management for government and enterprises, reducing the errors and time costs of manual review. By converting complex approval logic into executable code and functions, enterprises can achieve instant response to credit line applications, provide users with a better service experience, and reduce the burden on internal management and improve overall operational efficiency.

[0039] The following Figure 1 The steps shown are exemplary and explanatory.

[0040] According to some optional embodiments of the present application, obtaining the operator package information corresponding to the target number can be achieved by the following method: using a data processing tool to extract initial information from different data sources, wherein the initial information includes: the package value of the operator package used by the target number, the payment method of the target number for the operator package used, the payment information of the target number for the operator package used, the number status information of the target number, the customer attribute information corresponding to the target number, and the customer portrait information corresponding to the target number; storing the initial information in a target database, and using different preset functions to call different types of data in the target database.

[0041] In the above embodiment, it is necessary to first clarify the location of the data source, including the CRM (customer relationship management) system, the billing system, the user status database, the customer attribute table, the customer portrait system, etc. Design a data extraction statement for each initial information. For example, use SQL to obtain the package value from the CRM system, and use Hive query to obtain payment information from the billing system.

[0042] The information extracted from different data sources is synchronized to the target database through ETL (extraction, transformation, loading) tools to ensure timely update and consistency of data, which is the basis for subsequent analysis and decision-making.

[0043] SQL statement example: Extract package value and payment method from the CRM system.

[0044] sql

[0045] SELECT inst.prod_inst_id,pkg.package_value,pay.payment_method

[0046] FROM prod_instance inst

[0047] JOIN prod_package pkg ON inst.package_id=pkg.package_id

[0048] JOIN payment_method pay ON inst.payment_id=pay.payment_id

[0049] WHERE inst.prod_inst_id = 'target number';

[0050] Hive query example: Get payment information from the billing system.

[0051] sql

[0052] SELECT inst_id,billing_cycle,payment_amount

[0053] FROM billing_history

[0054] WHERE inst_id = 'target number'.

[0055] Furthermore, preset functions are created in the target database to call and process different types of data. These functions can encapsulate complex SQL queries or Hive operations for easy calling in subsequent processes.

[0056] Function examples: F_GetPackageValue is used to obtain the package value, and F_GetPaymentMethod is used to obtain the payment method.

[0057] Call functions: Call these functions in the processing flow to obtain the initial information of the target number. For example, call F_GetPackageValue to obtain the package value, then call F_GetPaymentMethod to obtain the payment method, and so on.

[0058] Function call example: sql SELECT F_GetPackageValue('target number')AS PackageValue,F_GetPaymentMethod('target number')AS PaymentMethod,F_GetBillingInfo('target number')ASBillingInfo,F_GetNumberStatus('target number')AS NumberStatus,F_GetCustomerAttr('target number')AS CustomerAttr,F_GetCustomerProfile('target number')AS CustomerProfileFROM DUAL.

[0059] Through the above steps, the initial information of the target number (package value, payment method, payment information, number status, customer attributes, customer portrait, etc.) can be efficiently and accurately extracted from multiple data sources and stored in the target database, providing a solid data foundation for the subsequent quota management process. The use of preset functions further simplifies the data call process and improves the automation level and processing speed of the process.

[0060] According to other optional embodiments of the present application, the credit limit benchmark for allowing the target number to be in arrears is determined based on the package value of the operator package used by the target number, which can be achieved by the following method: determining a comprehensive discount rate based on the ratio of the target value to the package monthly fee, wherein the target value is the product of the package monthly fee and the target discount rate, and the target discount rate is a discount rate that only includes non-discounted values; in the case where the discount attribute of the target number is a monthly discount, a preset multiple of the package value of the operator package used by the target number is determined as the credit limit benchmark; in the case where the discount attribute of the target number is a daily discount, the package value of the operator package used by the target number is multiplied by the comprehensive discount rate to obtain the target package value, and the preset multiple of the target package value is determined as the credit limit benchmark.

[0061] For example, when the user's discount attribute is a monthly discount, the credit limit benchmark is directly set to twice the monthly fee of the user's package. This is because users with monthly discounts have already enjoyed a certain discount on their monthly consumption, so their credit limit can be set more leniently to reflect their actual consumption capacity and credit status.

[0062] If the user's discount attribute is a daily discount, the calculation of its quota base needs to take into account the comprehensive discount rate. The comprehensive discount rate only calculates the discount rate of non-discounted values, that is, it excludes any additional discounts. This means that if a user's discount item only provides a discount value, it will be regarded as 1 (i.e. no discount) in the calculation of the comprehensive discount rate. Among them, the comprehensive discount rate = (package monthly fee * discount rate * discount rate * ... * discount rate) / package monthly fee.

[0063] Through the above logic, the user's credit limit benchmark is automatically calculated accurately based on whether the user is using a monthly or daily discount, avoiding excessive losses caused by front-line personnel not understanding the discount attributes when applying for credit limits, reducing user complaints due to insufficient credit limits, and improving customer satisfaction and business operating efficiency.

[0064] In some optional embodiments of the present application, setting a target rule based on operator package information and a credit limit benchmark can be achieved by the following method: determining whether the target number is an individual user based on the customer portrait information corresponding to the target number; determining whether the target number has any outstanding payments based on the payment information of the target number for the operator package used; determining whether the payment method of the target number for the operator package used is non-bank collection and non-bank deduction; determining whether the current status of the target number is a compliant status based on the number status information of the target number; determining whether the target number is in a preset number list based on the customer attribute information corresponding to the target number; setting the following content as a target rule: when the target number is an individual user, the payment duration is greater than or equal to the first preset duration and there is no outstanding payment within the payment duration, there is no outstanding payment from the month before the current month continuing to the current month, the payment method is non-bank collection and non-bank deduction, the current status of the target number is a compliant status, the target number is not in the preset number list, the outstanding payment application amount of the target number for the operator package is not greater than the credit limit benchmark and the outstanding payment application duration is less than the preset duration.

[0065] It is worth noting that in different programming environments or database systems, the logic and steps to implement the above target rules can remain consistent, although the specific syntax or function calls may be different. The following is a pseudo code to describe this logic, which is applicable to the general description of multiple programming languages:

[0066] 1. Initialize the rule check result: Create a Boolean variable, such as ruleCheckResult, initialized to True, to record the final rule check result.

[0067] 2. Check the identity of the individual user: call the function F_GetCustomerType(prod_inst_id) to obtain the user type of the target number. If the target number belongs to an individual user, continue to perform the rule check for the individual user; otherwise, directly return ruleCheckResult as False, because the rule only applies to individual users.

[0068] 3. Check the payment duration: call the function F_GetPaymentDuration(prod_inst_id) to obtain the payment duration of the target number. Compare whether the payment duration is greater than or equal to the first preset duration (for example, 6 months). If the payment duration does not meet the condition, set ruleCheckResult to False and end the check.

[0069] 4. Check the arrears: Use the F_CheckArrears(prod_inst_id) function to confirm whether there is any arrears during the payment period. If there is, set ruleCheckResult to False. Also check whether the arrears from the previous month of the current month continue to the current month, using the function F_CheckPrevMonthArrears(prod_inst_id). If this is the case, also set ruleCheckResult to False.

[0070] 5. Check the payment method: Call the F_GetPaymentMethod(prod_inst_id) function to obtain the payment method information. Confirm whether the payment method is non-bank collection and non-bank deduction. If not, set ruleCheckResult to False.

[0071] 6. Check number status: Use the F_CheckNumberStatus(prod_inst_id) function to check whether the current status of the target number is compliant. If the number status is not compliant, set ruleCheckResult to False.

[0072] 7. Check the preset number list: Use the F_CheckBlacklist(prod_inst_id) function to determine whether the target number is in the preset number list. If it is in the preset number list, set ruleCheckResult to False.

[0073] 8. Check the amount of the application for arrears: Get the amount of the application for arrears through the F_GetArrearsApplicationAmount(prod_inst_id) function. Compare whether the application amount is not greater than the credit limit. You can get the credit limit through the F_GetCreditLimitBasis(prod_inst_id) function. If the application amount exceeds the credit limit, set ruleCheckResult to False.

[0074] 9. Check the duration of the arrears application: Call the F_GetArrearsApplicationDuration(prod_inst_id) function to obtain the duration of the arrears application. Compare whether the arrears application duration is less than the preset duration. If the arrears application duration does not meet the conditions, set ruleCheckResult to False.

[0075] 10. Return the final check result: After all checks are completed, the value of ruleCheckResult is returned, which will indicate whether the target number meets all the target rules of the special credit line application.

[0076] As some optional embodiments of the present application, after outputting the target number whose credit limit application information meets the target rules in accordance with the preset template format, the following steps can also be performed: obtaining a data retrieval request for the operator package information corresponding to the target number in the preset template format, wherein the data retrieval request includes: identity information and target data; encrypting and transmitting the data retrieval request to the back-end server, the back-end server determines whether the identity information is in the preset authority rule library, and if it is determined that the identity information is in the preset authority rule library, extracting the target data from the target storage location; encrypting and transmitting the target data to the front-end interface, and triggering a download prompt for the target data on the front-end interface.

[0077] In the above embodiment, the user initiates a data retrieval request for the operator package information corresponding to the target number in the preset template format through the front-end interface. The request contains the user's identity information and the specific request content of the target data, such as the target number list. In order to ensure the security of data during transmission, the data retrieval request is encrypted before being sent to the back-end server. Common encryption methods include but are not limited to SSL / TLS protocols or encryption algorithms such as AES and RSA to encrypt the request data.

[0078] After receiving the request, the backend server first decrypts the request data, then extracts and verifies the identity information. It compares it with the preset permission rule base, which contains the identity information and permission level of users who have permission to access specific data. The backend server uses the permission rule base to check whether the user's identity information is authorized to access the requested target data. If the user has the corresponding permission, the process continues; if the user does not have permission, the data request is rejected and an error prompt is returned to the front end.

[0079] After the permission check is passed, the backend server extracts the corresponding operator package information from the target storage location (such as a database) according to the target data content in the request, including but not limited to the package name, value, discount rate, etc. The extracted data must also be encrypted to protect the security of the data during transmission. The encryption method should be consistent with the request encryption method to ensure the integrity and confidentiality of the data. The encrypted data is transmitted back to the front-end interface through a secure network channel, and HTTPS or other security protocols can be used.

[0080] After receiving the response, the front-end interface decrypts the encrypted data and then displays or triggers a download prompt for the target data, so that the user can download or view the requested operator package information. After the front-end interface displays the download prompt, the user can choose to download the data file, which should be provided in a secure format, such as encrypted CSV, Excel or PDF, to further protect the security of the data.

[0081] In some optional embodiments of the present application, the data processing method also includes the following steps: determining, based on the operator package information, a first number that has joined the special credit line for government and enterprises, has only bimonthly arrears and has been suspended, and determining a second number that has joined the special credit line for government and enterprises, has only real-time arrears and has been suspended; determining an insufficient balance report based on the first number and the second number; determining a third number that has joined the special credit line for government and enterprises and whose credit line expires in the month after the current month; determining an expiration warning report based on the third number; and displaying the insufficient balance report and the expiration warning report.

[0082] In the above embodiment, first, based on the operator package information, the numbers that have joined the special credit line for government and enterprises and currently only have bimonthly arrears (for example, the fees for last month have not been paid), and these numbers have been suspended, are screened out. Subsequently, based on the operator package information, the numbers that have joined the special credit line for government and enterprises and currently only have real-time arrears (for example, the fees for this month have not been paid), and these numbers have been suspended, are found out. The purpose of this step is to identify users whose services have been suspended due to real-time arrears, so as to handle them in a timely manner and avoid unnecessary service interruptions. Based on the first number and the second number screened out above, the system generates an insufficient balance report. This report lists all eligible numbers in detail, including but not limited to number information, arrears amount, arrears period, downtime, etc. The insufficient balance report provides managers with a clear view to understand which numbers have been suspended due to arrears and what actions need to be taken to restore service.

[0083] Further query the numbers that have joined the special credit line for government and enterprises to check whether the credit line will expire in the month after the current month. This step is to identify users whose credit line is about to expire in advance so as to take early warning or credit line renewal measures. Based on the information of the third number, the system generates an expiration warning report. This report lists all numbers whose credit lines are about to expire, including number information, current credit line, credit line expiration time, etc. The expiration warning report helps managers understand in advance which users' credit lines need to be renewed or adjusted to ensure service continuity.

[0084] Finally, the insufficient balance report and due warning report are displayed on the front-end interface. These reports can be presented in the form of a data window, allowing designated managers to query and download data as needed. The report display should be clear and intuitive, and provide necessary operation guidelines, such as how to adjust the credit limit, how to deal with arrears, etc., so that managers can respond quickly.

[0085] As other optional embodiments of the present application, after outputting the target number of the credit application information that meets the target rules according to the preset template format, the following steps can also be performed: at preset time intervals, randomly extract the number in the credit application form, obtain the operator package information corresponding to the number, and receive the target conclusion of whether the number meets the target rule determined by the target object based on the operator package information corresponding to the number; if the target conclusion indicates that the number meets the target rule, determine whether the number is included in the numbers output according to the preset template format; if the number is not included in the numbers output according to the preset template format, determine the part of the target rule that has logical errors, and generate a rectification list based on the part with logical errors.

[0086] Exemplarily, a certain number of numbers are randomly selected from the credit application form at preset time intervals (for example, once a week). The selection of these numbers is intended to cover different user groups and package types to ensure the comprehensiveness and representativeness of the test. For each randomly selected number, the corresponding operator package details are queried from the database, including but not limited to the package name, fee, payment history, arrears, credit history, number status, etc. Manually determine whether the number meets all the conditions for applying for a special credit limit based on the target rules. These conditions include but are not limited to the identity of the individual user, payment duration, arrears, payment method, number status, and comparison of the application limit with the benchmark.

[0087] If the manual judgment result indicates that the number meets the target rule, that is, theoretically the number should be approved for the special credit line application, the next step is to check whether the number list output according to the preset template format actually contains this number. If the list output according to the preset template format does not contain this number that should theoretically meet the conditions, then this indicates that there is a logical error or omission in the execution of the target rule.

[0088] Based on the logical errors found, a rectification list is automatically generated. This list details the specific steps or conditions that may cause errors in rule execution, as well as recommended modification plans or remedial measures. The generation of the rectification list provides clear guidance for repairing system logic errors, helping to quickly locate problems and make adjustments. Managers perform corresponding logic repairs or rule updates based on the contents of the rectification list.

[0089] Continuously conduct random checks at preset time intervals to ensure the correctness of the rules and the effectiveness of the process. With the update of rules and optimization of logic, it will be more stable and efficient, reduce unnecessary approval errors, and thus improve the speed and quality of business processing.

[0090] Figure 2 is a flow chart of another data processing method according to an embodiment of the present application. Figure 2 As shown, the method comprises the following steps:

[0091] Step S201, establishment of a standardized evaluation system: Create a standardized evaluation system to ensure that each credit application is evaluated according to the same standards, promoting agility in review. The analysis steps are as follows.

[0092] Step S2011, extract influencing factors: by classifying the scenarios for opening special credit lines for government and enterprises, extract a variety of influencing factors: payment method, number status, customer attributes, arrears, user value, customer classification, conventional detection conditions and other factors.

[0093] Step S2012, encapsulate calling factors: use SQL / hive to extract the above factor data, synchronize the big data platform data to the local portal, encapsulate complex or confidential statements into stored procedures, and finally call related data through functions.

[0094] Function 1: Function F_GetServState(vis_inst_id In varchar2,vis_inst_type In Varchar2,vib_inst_code In Varchar2,vis_query_obj In Varchar2)ReturnVarchar2. Used to obtain the latest status of users in real time and eliminate fraudulent users.

[0095] Function 2: Function ListToStr(key_name in varchar2, key in varchar2, conamein varchar2, tname in varchar2, vs_sep in varchar2)Return Varchar. Substituted into the arrears table, it is used to extract the user's arrears situation.

[0096] Function 3: Function F_GetCustGrp(vis_new_cust_type In varchar2,vin_sale_organize_id In Number)Return Varchar2. It is used to distinguish the customer groups of users, which is convenient for the next step of classification analysis.

[0097] Step S2013, complete the construction of the "local network government and enterprise special credit line activation data model" and the development of the data output platform, and monitor the changes in the activation rules.

[0098] Figure 3 is a flow chart of a method for setting target rules according to an embodiment of the present application, such as Figure 3 As shown, the method includes the following steps.

[0099] Step S20131, extract user information from basic tables such as user instance table, customer attribute table, fee table, and arrears table, and filter each information field: customer grouping, user value, user package, payment method, user status, payment status within six months, arrears status, and customer attributes.

[0100] Step S20132, statistically screen out the data records and filter out the numbers that meet the activation rules according to the following rules. Rule 1: Individual users must have paid for more than 6 months and have no outstanding payments; Rule 2: The user currently has no outstanding payments for the next month; Rule 3: The payment method for the number is not bank collection / bank deduction; Rule 4: The current status of the number is not fraudulent; Rule 5: The customer attribute of the number is not a preset list customer; Rule 6: The application amount does not exceed 2 times the user's package value / 2 times the discounted package value, and the term is less than 12 months.

[0101] The model has built-in user discount pricing attribute function and discount rate function to determine the user's discount package attribute (monthly discount / daily discount) and comprehensive discount rate respectively. If the user's discount attribute is a monthly discount, then the quota benchmark is directly twice the user's package value. If the user's attribute is a daily discount, the user's comprehensive discount rate must be added, and twice the discounted package value is taken as the quota benchmark. The calculation of the comprehensive discount rate only includes discounts with a discount rate that is not a discount value, that is, the discount rate of discounts with only a discount value defaults to 1. Comprehensive discount rate = (monthly package fee * discount rate * discount rate *... * discount rate) / monthly package fee. Based on the above operations, determine whether the application quota of the front line is excessively wasted to avoid user complaints.

[0102] Function 4: Function F_GetPricingValue(vis_inst_id In varchar2,vis_offerinst_id In varchar2,vis_pricing_value In Varchar2)Return Varchar2; used to determine the discount attribute of the user, so as to facilitate the next step of credit loss judgment.

[0103] Function 5: Function F_GetOfferRate(vis_inst_id In varchar2,vis_offerinst_id In varchar2,rate In Varchar2)Return Varchar2; Use the package discount table of the operator's commission system to determine the user's comprehensive discount rate, and use Function 4 and Rule 6 to compare with the application amount to determine the amount of quota loss.

[0104] Through this analysis model, it is possible to quickly determine whether the data submitted by front-line personnel meets the review conditions, and output the qualified numbers according to the template format required by the system. If they do not meet the requirements, the corresponding reasons will be output, ultimately achieving agile review and operation.

[0105] Step S2014: All the above steps are uniformly scheduled to run through the ETL tool, and the data is updated regularly to ensure the accuracy of the data.

[0106] Step S2015, create a data window: use the model's script in the background to configure the self-service data retrieval function on the platform, define relevant permissions, and allow designated personnel to query and download data as needed, taking into account the convenience and security of data access. This measure improves the availability of coefficient data for front-line personnel, allowing them to adjust the data of the opening order in time (such as deleting bank collection users, processing the preset list in a targeted manner according to the reasons before submitting the application, etc.), reducing unnecessary approval volume and saving processing time.

[0107] Step S202, regularly monitor the effectiveness of the data processing strategy: adjust the logical judgment rules and processes according to the actual situation. If the detection rules or detection attributes are changed or increased or decreased (such as: not allowing a certain type of government and enterprise customers to open credit lines, etc.), the strategy can be updated in the model in time to keep the detection rules and detection attributes up to date and effective.

[0108] Step S203, random data logic detection: aims to detect whether the script logic is consistent with the logic of the actual production data. Regularly and randomly extract the number of the credit application form, review its specific information such as package information, cost situation, user status, customer attributes, etc. in the front-end system interface, and compare it with the data generated by the model. If there is inconsistency, it is determined as a suspected logical error, and the inconsistent logical part is included in the rectification list.

[0109] Step S204, credit limit warning reminder: customize credit limit insufficient or expiration warning report, provide a list of users who have joined the special credit limit for government and enterprises and only have bimonthly arrears or real-time arrears but are still suspended, and a list of users whose special credit limit for government and enterprises expires in the next month. According to the user's landing area, it is distributed to each channel in a decentralized manner and by domain, aiming to remind users in the area managed by the channel that there are insufficient credit limits or credit limits are about to expire, so as to facilitate their application for credit limit increase and reduce customer complaints.

[0110] Through the above technical solutions, a more robust, efficient and responsive operation and maintenance management system has been built for the management of special credit lines for government and enterprises, providing strong guarantees for the continuous and stable operation of communications industry services. Liuzhou Telecom currently uses this method to realize the process management of special credit lines for government and enterprises. At present, through the application of this application, the management effect of special credit lines for government and enterprises in Liuzhou Telecom is gratifying. According to the statistics of the process orders opened in the past year, the longest time for traditional process processing is 40 man-days, the shortest time is 20 man-days, and the average time is 25.5 man-days. When the new process is processed, the longest time is 8 man-days, the shortest time is 5 man-days, and the average time is 6.25 man-days. The efficiency is improved by 75.49%. The number of work orders involving return orders or return rectification scenarios decreased by 32.56% year-on-year. The goal of process and self-service management of special credit lines for government and enterprises has been achieved, and "let data run more and let the front line less orders", and it has a certain experience promotion effect on the special credit line management business of government and enterprises in other provinces, cities or other operators.

[0111] In summary, unlike the traditional opaque approval process, this application has created a standardized process evaluation system, whose main features include: built-in various conventional factor functions, customized user credit loss judgment algorithm based on user package attributes, customized customer grouping activation rules based on current business rules, etc., which are suitable for all current activation process scenarios of special credit lines for government and enterprises. At the same time, it provides a data window to reduce unnecessary workload of front-line personnel and auditors while ensuring data security, improve channel perception, reduce corporate labor costs, and enhance corporate adaptability to employee changes.

[0112] Moreover, this application has established a mechanism for regularly monitoring business rules and randomly testing data logic, regularly testing the processing logic of model data processing, and regularly updating business process rules and policy solutions to keep them up to date and effective, ensuring the reliability of model use. In addition, this application has established a credit warning strategy, which effectively avoids service interruptions caused by insufficient credit or expiration to a certain extent, thereby improving customer satisfaction.

[0113] Figure 4 is a structural diagram of a data processing device according to an embodiment of the present application, such as Figure 4 As shown, the device comprises:

[0114] The acquisition module 42 is used to acquire the operator package information corresponding to the target number, wherein the operator package information at least includes: the package value of the operator package used by the target number.

[0115] The determination module 44 is used to determine the credit limit benchmark for allowing the target number to be in arrears according to the package value of the operator package used by the target number, and set target rules based on the operator package information and the credit limit benchmark.

[0116] The output module 46 is used to obtain the credit application information initiated by the target number, determine whether the credit application information meets the target rules, and output the target number whose credit application information meets the target rules according to a preset template format.

[0117] Optionally, the acquisition module 42 is also used to perform the following steps: use data processing tools to extract initial information from different data sources, wherein the initial information includes: the package value of the operator package used by the target number, the payment method of the target number for the operator package used, the payment information of the target number for the operator package used, the number status information of the target number, the customer attribute information corresponding to the target number, and the customer portrait information corresponding to the target number; store the initial information in the target database, and use different preset functions to call different types of data in the target database.

[0118] Optionally, the determination module 44 is also used to perform the following steps: determine the comprehensive discount rate based on the ratio of the target value to the package monthly fee, wherein the target value is the product of the package monthly fee and the target discount rate, and the target discount rate is the discount rate that only includes non-discount values; when the discount attribute of the target number is a monthly discount, determine the preset multiples of the package value of the operator package used by the target number as the credit limit benchmark; when the discount attribute of the target number is a daily discount, multiply the package value of the operator package used by the target number by the comprehensive discount rate to obtain the target package value, and determine the preset multiples of the target package value as the credit limit benchmark.

[0119] Optionally, the determination module 44 is also used to perform the following steps: determine whether the target number is an individual user based on the customer portrait information corresponding to the target number; determine whether the target number has any arrears based on the payment information of the target number for the operator package used; determine whether the payment method of the target number for the operator package used is non-bank collection and non-bank deduction; determine whether the current status of the target number is a compliant state based on the number status information of the target number; determine whether the target number is in a preset number list based on the customer attribute information corresponding to the target number; set the following content as the target rule: when the target number is an individual user, the payment duration is greater than or equal to the first preset duration and there is no arrears within the payment duration, there is no arrears from the month before the current month that continue to the current month, the payment method is non-bank collection and non-bank deduction, the current status of the target number is a compliant state, the target number is not in the preset number list, the arrears application amount of the target number for the operator package is not greater than the amount benchmark, and the arrears application duration is less than the preset duration.

[0120] Optionally, the data processing device is also used to perform the following steps after outputting the target number whose credit limit application information meets the target rules in accordance with the preset template format: obtaining a data retrieval request for the operator package information corresponding to the target number in the preset template format, wherein the data retrieval request includes: identity information and target data; encrypting and transmitting the data retrieval request to the back-end server, the back-end server determines whether the identity information is in the preset authority rule library, and if it is determined that the identity information is in the preset authority rule library, extracting the target data from the target storage location; encrypting and transmitting the target data to the front-end interface, and triggering a download prompt for the target data on the front-end interface.

[0121] Optionally, the data processing device is also used to perform the following steps: determine, based on the operator package information, a first number that has joined the special credit line for government and enterprises, has only bimonthly arrears and has been suspended, and determine a second number that has joined the special credit line for government and enterprises, has only real-time arrears and has been suspended; determine an insufficient balance report based on the first number and the second number; determine a third number that has joined the special credit line for government and enterprises and whose credit line expires in the month after the current month; determine an expiration warning report based on the third number; and display the insufficient balance report and the expiration warning report.

[0122] Optionally, the data processing device is also used to perform the following steps after outputting the target number of the credit application information that meets the target rules in accordance with a preset template format: randomly extracting the number in the credit application form at preset time intervals, obtaining the operator package information corresponding to the number, and receiving the target conclusion of whether the number meets the target rules determined by the target object based on the operator package information corresponding to the number; if the target conclusion indicates that the number meets the target rules, determining whether the number is included in the numbers output according to the preset template format; if the number is not included in the numbers output according to the preset template format, determining the part of the target rule that has a logical error, and generating a rectification list based on the part with the logical error.

[0123] It should be noted that the above Figure 4 The modules in the embodiment may be program modules (e.g., a set of program instructions for implementing a specific function) or hardware modules. For the latter, they may be expressed in the following forms, but are not limited thereto: the expression form of the above modules is a processor, or the functions of the above modules are implemented by a processor.

[0124] It should be noted that Figure 4 The preferred implementation of the illustrated embodiment can be found in Figure 1 The relevant description of the illustrated embodiment will not be repeated here.

[0125] Figure 5 FIG. 1 shows a hardware structure block diagram of a computer terminal for implementing a data processing method. Figure 5 As shown, the computer terminal 50 may include one or more (502a, 502b, ..., 502n are used to illustrate) processors 502 (the processor 502 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 504 for storing data, and a transmission module 506 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 5 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 5 More or fewer components as shown, or with Figure 5 Different configurations are shown.

[0126] It should be noted that the one or more processors 502 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 50. As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0127] The memory 504 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the data processing method in the embodiment of the present application. The processor 502 executes various functional applications and data processing by running the software programs and modules stored in the memory 504, that is, realizing the above-mentioned data processing method. The memory 504 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 504 may further include a memory remotely arranged relative to the processor 502, and these remote memories may be connected to the computer terminal 50 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0128] The transmission module 506 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 50. In one example, the transmission module 506 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission module 506 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0129] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 50 .

[0130] It should be noted that, in some optional embodiments, the above Figure 5 The computer terminal shown may include hardware elements (including circuits), software elements (including computer code stored on a computer-readable medium), or a combination of hardware elements and software elements. It should be noted that Figure 5 This is merely one example of a particular embodiment and is intended to illustrate the types of components that may be present in the computer terminal described above.

[0131] It should be noted that Figure 5 The computer terminal shown is used to execute Figure 1 The data processing method shown, therefore the relevant explanations in the execution method of the above command are also applicable to the electronic device and will not be repeated here.

[0132] An embodiment of the present application further provides a non-volatile storage medium, which includes a stored program, wherein when the program is executed, the device where the storage medium is located is controlled to execute the above data processing method.

[0133] A program for executing the following functions on a non-volatile storage medium: obtaining the operator package information corresponding to a target number, wherein the operator package information includes at least: the package value of the operator package used by the target number; determining the credit limit benchmark for allowing the target number to be in arrears based on the package value of the operator package used by the target number, and setting a target rule based on the operator package information and the credit limit benchmark; obtaining credit limit application information initiated by the target number, determining whether the credit limit application information satisfies the target rule, and outputting the target number whose credit limit application information satisfies the target rule in accordance with a preset template format.

[0134] An embodiment of the present application further provides an electronic device, including: a memory and a processor, wherein the processor is used to run a program stored in the memory, wherein the above data processing method is executed when the program is run.

[0135] The processor is used to run a program that performs the following functions: obtaining the operator package information corresponding to the target number, wherein the operator package information at least includes: the package value of the operator package used by the target number; determining the credit limit benchmark for allowing the target number to be in arrears based on the package value of the operator package used by the target number, and setting a target rule based on the operator package information and the credit limit benchmark; obtaining credit limit application information initiated by the target number, determining whether the credit limit application information meets the target rule, and outputting the target number whose credit limit application information meets the target rule according to a preset template format.

[0136] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0137] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0138] In the above-mentioned embodiments of the present application, the collected information is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary protection measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0139] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0140] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0141] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0142] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the relevant technology or all or part of the technical solution, can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk, etc. Various media that can store program codes.

[0143] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A data processing method, characterized in that: include: Obtaining the operator package information corresponding to the target number, wherein the operator package information at least includes: the package value of the operator package used by the target number; Determine the credit limit for the target number according to the package value of the operator package used by the target number, and set a target rule based on the operator package information and the credit limit; The credit application information initiated by the target number is obtained, and it is determined whether the credit application information satisfies the target rule, and the target number whose credit application information satisfies the target rule is output according to a preset template format.

2. The method according to claim 1, characterized in that Get the carrier package information corresponding to the target number, including: Extracting initial information from different data sources using a data processing tool, wherein the initial information includes: the package value of the operator package used by the target number, the payment method of the target number for the operator package used, the payment information of the target number for the operator package used, the number status information of the target number, the customer attribute information corresponding to the target number, and the customer portrait information corresponding to the target number; The initial information is stored in a target database, and different types of data in the target database are called using different preset functions.

3. The method according to claim 2, characterized in that According to the package value of the operator package used by the target number, a credit limit for the target number to be allowed to be in arrears is determined, including: Determine the comprehensive discount rate according to the ratio of the target value to the monthly package fee, wherein the target value is the product of the monthly package fee and the target discount rate, and the target discount rate is the discount rate that only includes non-discount values; In the case where the discount attribute of the target number is a monthly discount, a preset multiple of the package value of the operator package used by the target number is determined as the quota benchmark; When the discount attribute of the target number is a daily discount, the package value of the operator package used by the target number is multiplied by the comprehensive discount rate to obtain the target package value, and the preset multiple of the target package value is determined as the quota benchmark.

4. The method according to claim 3, characterized in that Setting a target rule based on the operator package information and the quota benchmark includes: Determine whether the target number is an individual user based on the customer portrait information corresponding to the target number; determine whether the target number is in arrears based on the payment information of the operator package used by the target number; determine whether the payment method of the operator package used by the target number is non-bank collection and non-bank deduction; determine whether the current status of the target number is a compliant status based on the number status information of the target number; determine whether the target number is in a preset number list based on the customer attribute information corresponding to the target number; The following contents are set as the target rules: when the target number is an individual user, the payment duration is greater than or equal to the first preset duration and there is no arrears within the payment duration, there is no arrears from the month before the current month that continue to the current month, the payment method is non-bank collection and non-bank deduction, the current status of the target number is a compliant status, the target number is not in the preset number list, the arrears application amount of the target number for the operator package is not greater than the amount benchmark and the arrears application duration is less than the preset duration.

5. The method according to claim 1, characterized in that After outputting the target number of the credit application information satisfying the target rule according to the preset template format, the method further includes: Obtain a data retrieval request for the operator package information corresponding to the target number in the preset template format, wherein the data retrieval request includes: identity information and target data; The data retrieval request is encrypted and transmitted to a backend server, and the backend server determines whether the identity information is in a preset authority rule library. If it is determined that the identity information is in the preset authority rule library, the target data is retrieved from a target storage location; The target data is encrypted and transmitted to a front-end interface, and a download prompt for the target data is triggered on the front-end interface.

6. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: According to the operator package information, determine the first number that has joined the government and enterprise special credit line, has only bimonthly arrears and has been suspended, and determine the second number that has joined the government and enterprise special credit line, has only real-time arrears and has been suspended; determining a insufficient balance report according to the first number and the second number; Identify the third number that has been added to the special credit line for government and enterprises and whose credit line expires in the month after the current month; Determining an expiration warning report according to the third number; The insufficient balance report and the period warning report are displayed.

7. The method according to claim 1, characterized in that After outputting the target number of the credit application information satisfying the target rule according to the preset template format, the method further includes: At preset time intervals, randomly extract the number in the credit application form, obtain the operator package information corresponding to the number, and receive the target conclusion of whether the number meets the target rule determined by the target object based on the operator package information corresponding to the number; If the target conclusion indicates that the number satisfies the target rule, determining whether the number is included in the numbers output according to the preset template format; If the number is not included in the numbers output according to the preset template format, the portion of the target rule that has a logical error is determined, and a rectification list is generated based on the portion that has a logical error.

8. A data processing device, characterized in that: include: An acquisition module, configured to acquire the operator package information corresponding to the target number, wherein the operator package information at least includes: the package value of the operator package used by the target number; A determination module, configured to determine a credit limit benchmark for allowing the target number to be in arrears according to the package value of the operator package used by the target number, and to set a target rule based on the operator package information and the credit limit benchmark; The output module is used to obtain the credit application information initiated by the target number, determine whether the credit application information meets the target rule, and output the target number whose credit application information meets the target rule according to a preset template format.

9. A non-volatile storage medium, characterized in that: The non-volatile storage medium includes a stored program, wherein when the program is executed, the device where the non-volatile storage medium is located is controlled to execute the data processing method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: include: A memory and a processor, wherein the processor is used to run a program stored in the memory, wherein the program executes the data processing method according to any one of claims 1 to 7 when running.

11. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the data processing method according to any one of claims 1 to 7 is implemented.

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