Clearing business processing method, device, equipment, medium and program product

Abstract

The invention provides a clearing business processing method which can be applied to the technical field of big data. The liquidation service processing method comprises the steps that a general process framework of liquidation services is configured in advance, and the general process framework is integrated with liquidation features shared by different liquidation services in the liquidation process; in response to a liquidation service request initiated by a requester, generating a first control instruction according to the general process framework, the first control instruction being used for controlling the liquidation service request to perform standardization processing according to the general process framework; analyzing the clearing service request to obtain a service scene and a message type; generating a second control instruction according to the service scene and the message type; and according to the first control instruction and the second control instruction, performing liquidation processing on the liquidation service request to obtain a processing result. The invention further provides a clearing business processing device and equipment, a storage medium and a program product.

Description

Technical Field

[0001] The present disclosure relates to the field of big data technology, and more particularly to a method, apparatus, device, medium, and program product for processing clearing operations. Background Art

[0002] Bank clearing operations refer to the process by which banks clear bilateral or multilateral creditor-debtor relationships through accounts or relevant local currency clearing systems during settlement and payment processing.

[0003] Currently, the traditional methods for processing clearing operations have the following two deficiencies: On the one hand, traditional methods for processing clearing operations often require processing different types of operations, which requires developers to write different codes for each type of operation. As a result, the amount of code is excessive and difficult to maintain. In addition, each operation processing method may have some special cases, that is, some customized processing is required. However, since the code is scattered in various modules, it is difficult to adjust the entire system. On the other hand, since traditional methods for processing clearing operations are carried out under a fixed system architecture, it is difficult to perform customized processing according to business requirements. This leads to the need for some special processing in certain business scenarios, but it is difficult to implement due to the limitations of the system architecture. Summary of the Invention

[0004] In view of the above problems, the present disclosure provides a method, apparatus, device, medium, and program product for processing clearing operations.

[0005] According to a first aspect of the present disclosure, there is provided a method for processing clearing operations, including: pre-configuring a general process framework for clearing operations, where the general process framework integrates common clearing characteristics of different clearing operations during the clearing process; in response to a clearing operation request initiated by a requesting party, generating a first control instruction according to the general process framework, where the first control instruction is used to control the clearing operation request to be processed in a standardized manner according to the general process framework; parsing the clearing operation request to obtain a business scenario and a message type; generating a second control instruction according to the business scenario and the message type, where the second control instruction is used to control the clearing operation request to perform field parsing and verification processing according to a specific field mapping rule adapted to the business scenario and the message type; and performing clearing processing on the clearing operation request according to the first control instruction and the second control instruction to obtain a processing result.

[0006] According to an embodiment of the present disclosure, before generating the first control instruction according to the general process framework in response to a clearing operation request initiated by a requesting party, it includes: pre-configuring a public interface, where the public interface can adaptively access different types of source data; and in response to a clearing operation request initiated by a requesting party, uniformly accessing the clearing operation request through the public interface.

[0007] According to an embodiment of the present disclosure, generating a first control instruction according to a general process framework in response to a requester initiating a liquidation service request includes: in response to the requester initiating a liquidation service request, invoking a pre-configured general process framework; generating a general process template according to the general process framework; generating a first control instruction according to the general process template, wherein the first control instruction represents a common process control instruction for the liquidation service.

[0008] According to an embodiment of the present disclosure, parsing a liquidation service request to obtain a service scenario and a message type includes: based on the abstract factory pattern, creating a processor corresponding to the type of the liquidation service request according to the type of the liquidation service request; using the corresponding processor to parse the liquidation service request to obtain the service scenario and the message type.

[0009] According to an embodiment of the present disclosure, generating a second control instruction according to the service scenario and the message type includes: creating a field mapping template based on a visual operation interface according to the service scenario and the message type; generating a second control instruction according to the field mapping template, wherein the second control instruction represents an adaptation process control instruction for the liquidation service.

[0010] According to an embodiment of the present disclosure, performing liquidation processing on the liquidation service request according to the first control instruction and the second control instruction to obtain a processing result includes: generating a control file according to the first control instruction and the second control instruction; sequentially executing the liquidation process of the general process template according to the guidance of the control file; in response to the liquidation process reaching the field mapping stage, performing field parsing and verification processing on the liquidation service request according to the field mapping template to obtain the processing result.

[0011] According to an embodiment of the present disclosure, the method further includes: configuring an emergency response mechanism, wherein the emergency response mechanism is used to monitor the processing status of the liquidation service request in real time; in response to an exception occurring during the liquidation processing of the liquidation service request, putting the liquidation service request into an asynchronous queue; starting a background thread to reprocess the liquidation service request within a predetermined time.

[0012] According to an embodiment of the present disclosure, the method further includes: generating a receipt according to the processing result, wherein the type of the receipt matches the message type; sending the receipt back to the requester.

[0013] The second aspect of the present disclosure provides a clearing business processing device, including: a configuration module for pre-configuring a general process framework for clearing business, wherein the general process framework integrates clearing characteristics common to different clearing businesses during the clearing process; a first generation module for generating a first control instruction according to the general process framework in response to a clearing business request initiated by a requester, wherein the first control instruction is used to control the standard processing of the clearing business request according to the general process framework; a parsing module for parsing the clearing business request to obtain a business scenario and a message type; a second generation module for generating a second control instruction according to the business scenario and the message type, wherein the second control instruction is used to control the field parsing and verification processing of the clearing business request according to a specific field mapping rule adapted to the business scenario and the message type; a clearing module for performing clearing processing on the clearing business request according to the first control instruction and the second control instruction to obtain a processing result.

[0014] The third aspect of the present disclosure provides an electronic device, including: one or more processors; a memory for storing one or more computer programs, wherein the above one or more processors execute the above one or more computer programs to implement the steps of the above method.

[0015] The fourth aspect of the present disclosure further provides a computer-readable storage medium, on which a computer program or instruction is stored, and when the computer program or instruction is executed by a processor, the steps of the above method are implemented.

[0016] The fifth aspect of the present disclosure further provides a computer program product, including a computer program or instruction, and when the computer program or instruction is executed by a processor, the steps of the above method are implemented. Description of the Drawings

[0017] Through the following description of the embodiments of the present disclosure with reference to the drawings, the above content and other objects, features, and advantages of the present disclosure will become clearer. In the drawings:

[0018] Figure 1 Schematically shows an application scenario diagram of the clearing business processing method according to an embodiment of the present disclosure;

[0019] Figure 2 Schematically shows a flowchart of the clearing business processing method according to an embodiment of the present disclosure;

[0020] Figure 3 Schematically shows a flowchart of the method for implementing common access using a common interface according to an embodiment of the present disclosure;

[0021] Figure 4 Schematically shows a flowchart of the method for generating a first control instruction according to a general process framework according to an embodiment of the present disclosure;

[0022] Figure 5 Schematically shows a flowchart of a method for parsing a clearing service request to obtain a service scenario and a message type according to an embodiment of the present disclosure;

[0023] Figure 6 Schematically shows a flowchart of a method for generating a second control instruction according to a service scenario and a message type according to an embodiment of the present disclosure;

[0024] Figure 7 Schematically shows a flowchart of a method for performing clearing processing on a clearing service request according to a first control instruction and a second control instruction according to an embodiment of the present disclosure;

[0025] Figure 8 Schematically shows a flowchart of an asynchronous processing method according to an embodiment of the present disclosure;

[0026] Figure 9 Schematically shows a structural block diagram of a clearing service processing device according to an embodiment of the present disclosure;

[0027] Figure 10 Schematically shows a block diagram of an electronic device suitable for implementing a clearing service processing method according to an embodiment of the present disclosure. Detailed implementation manners

[0028] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present disclosure. In the following detailed description, for the sake of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, obviously, one or more embodiments can be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily confusing the concepts of the present disclosure.

[0029] The terms used herein are merely for describing specific embodiments and are not intended to limit the present disclosure. The terms "including", "comprising", etc. used herein indicate the presence of the described features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0030] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0031] In the case of using expressions such as "at least one of A, B, and C, etc.", generally, it should be interpreted according to the meaning that those skilled in the art usually understand this expression (for example, "a system having at least one of A, B, and C" should include, but not be limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.).

[0032] It should be noted that the clearing business processing method and device of the present disclosure can be used in the application of clearing business processing in the field of fintech, and can also be used in the application of clearing business processing in any field other than the field of fintech. The application field of the clearing business processing method and device of the present disclosure is not limited.

[0033] In the technical solution of the present disclosure, the user information involved (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) are all information and data authorized by the user or fully authorized by all parties. And the processing of relevant data, such as collection, storage, use, processing, transmission, provision, disclosure, and application, etc., all comply with relevant laws, regulations, and standards, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0034] In the scenario of making automated decisions using personal information, the methods, devices, and systems provided by the embodiments of the present disclosure all provide corresponding operation entrances for users to choose to agree or refuse the results of automated decisions; if the user chooses to refuse, the expert decision-making process will be entered. The expression "automated decision" here refers to the activity of automatically analyzing and evaluating an individual's behavior habits, hobbies, or economic, health, credit status, etc. through a computer program and making a decision. The expression "expert decision" here refers to the activity of making a decision by a person who specializes in a certain field, has specialized experience, knowledge, and skills, and has reached a certain professional level.

[0035] Embodiments of the present disclosure provide a method for processing settlement operations, including: pre-configuring a general process framework for settlement operations, where the general process framework integrates settlement characteristics common to different settlement operations during the settlement process; in response to a settlement operation request initiated by a requester, generating a first control instruction according to the general process framework, where the first control instruction is used to control the standard processing of the settlement operation request according to the general process framework; parsing the settlement operation request to obtain a service scenario and a message type; generating a second control instruction according to the service scenario and the message type, where the second control instruction is used to control the field parsing and verification processing of the settlement operation request according to specific field mapping rules adapted to the service scenario and the message type; and performing settlement processing on the settlement operation request according to the first control instruction and the second control instruction to obtain a processing result.

[0036] The settlement operation processing method provided by the embodiments of the present disclosure pre-configures a general process framework for all settlement operations. This general process framework has the common points of all settlement operations. Therefore, when a requester initiates a settlement operation request, a first control instruction is first generated according to this general process framework to guide the settlement operation to be processed standardly according to the general framework, and then a second control instruction is generated according to the specific service scenario and message type, and the field parsing and verification processing are carried out according to the adapted field mapping rules. Since the general process framework integrates the common characteristics of all settlement operations, it is no longer necessary for developers to write new code from scratch for each service scenario, but they can quickly develop based on the general configuration, thus improving the development efficiency; secondly, for specific service scenarios and message types, corresponding field mapping rules can be selected, greatly enhancing the flexibility of the settlement operation processing process and realizing personalized processing.

[0037] Figure 1 The application scenario diagram of the settlement operation processing method according to the embodiments of the present disclosure is schematically shown.

[0038] As Figure 1 shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, and a third terminal device 103. The network 104 is a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0039] Users can interact with the server 105 via the network 104 using the first terminal device 101, the second terminal device 102, and the third terminal device 103 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (for example only).

[0040] The first terminal device 101, the second terminal device 102, and the third terminal device 103 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop computers, desktop computers, and so on.

[0041] The server 105 can be a server providing various services, such as a background management server that supports the websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (for example only). The background management server can analyze and process data such as received user requests, and feedback the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0042] It should be noted that the clearing service processing method provided by the embodiments of the present disclosure can generally be executed by the server 105. Correspondingly, the clearing service processing device provided by the embodiments of the present disclosure can generally be set in the server 105. The clearing service processing method provided by the embodiments of the present disclosure can also be executed by a server or a server cluster different from the server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or the server 105. Correspondingly, the clearing service processing device provided by the embodiments of the present disclosure can also be set in a server or a server cluster different from the server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or the server 105.

[0043] It should be understood that Figure 1 the numbers of terminal devices, networks, and servers in

[0044] are merely illustrative. According to the implementation requirements, there can be any number of terminal devices, networks, and servers. Figure 1 Based on the Figures 2 to 8 scenario described below, the clearing service processing method of the disclosed embodiments will be described in detail through

[0045] Figure 2 The flowchart of the clearing service processing method according to the embodiments of the present disclosure is schematically shown.

[0046] As shown Figure 2 in Figure 2 , the clearing business processing method of this embodiment includes: operation S210 to operation S250, and this clearing business processing method can be executed by a server.

[0047] In operation S210, a general process framework for clearing business is pre-configured, where the general process framework integrates the common clearing characteristics of different clearing businesses during the clearing process.

[0048] In operation S220, in response to a clearing business request initiated by a requester, a first control instruction is generated according to the general process framework, where the first control instruction is used to control the clearing business request to be standardized according to the general process framework.

[0049] In operation S230, the clearing business request is parsed to obtain the business scenario and message type.

[0050] In operation S240, according to the business scenario and message type, a second control instruction is generated, where the second control instruction is used to control the clearing business request to perform field parsing and verification processing according to the specific field mapping rules adapted to the business scenario and message type.

[0051] In operation S250, according to the first control instruction and the second control instruction, the clearing business request is cleared to obtain a processing result.

[0052] Bank clearing business refers to the process by which banks clear bilateral or multilateral claims and debts through accounts or relevant local currency clearing systems during settlement and payment.

[0053] Different business scenarios (such as cross-bank payment, intra-bank transfer, batch clearing, etc.) may require different clearing processes. For example, cross-bank clearing requires signature verification, core system processing, status update, and receipt generation. Intra-bank clearing may skip some processing processes (such as signature verification) and directly enter the core system interaction. However, there are often certain common logics in these processes. Therefore, a general process framework for clearing business can be pre-configured.

[0054] For example, in the system design and development stage, it is predefined by the design team or operation and maintenance team of the clearing business based on business rules and processing flows. These definitions will be deployed in the system together with the system launch or version update and will be dynamically loaded according to business requirements during operation. Since these definitions are static files stored in the system configuration library, they can be flexibly modified according to different scenarios without modifying the core code.

[0055] When the requester initiates a clearing business request, first, a first control instruction is generated according to the general process framework to control the clearing business request to be standardized according to the general process framework, that is, to be processed according to the common processes shared by each clearing business.

[0056] The clearing business request is then parsed to obtain the business scenario and message type corresponding to the clearing business request.

[0057] The business scenarios of clearing business usually include: inter-bank payment, intra-bank transfer and batch clearing, etc.

[0058] The message types of clearing business usually include: XML format (Extensible Markup Language, which is a subset of Standard Generalized Markup Language), JSON format (JavaScript Object Notation, a lightweight data exchange format), fixed-length format, etc.

[0059] At this time, a second control instruction is generated according to the specific business scenario and message type to control the clearing business request to perform field parsing and verification processing according to a specific field mapping rule adapted to the business scenario and message type.

[0060] For example, in the embodiment of the present disclosure, the business scenario of the clearing business is "inter-bank payment", and the message type of the clearing business is "XML format". The system will load the field mapping rules for "inter-bank payment" and "XML format". The field mapping rules define the relevant rules in the field parsing and verification stages, and use them as adaptation process control instructions to guide the system to correctly extract parameters from the message and complete the legality verification.

[0061] Through the double-layer control of the above two instructions, the clearing business request is cleared and processed under their constraints, and finally the processing result is obtained.

[0062] According to the embodiments of the present disclosure, by pre-configuring a general process framework for all clearing businesses, the general process framework has the common features of all clearing businesses. Therefore, when the requester initiates a clearing business request, a first control instruction is first generated according to the general process framework to guide the clearing business to perform standardized processing according to the general framework, and then a second control instruction is generated according to the specific business scenario and message type, and field parsing and verification processing is performed according to the adapted field mapping rules. Since the general process framework integrates the common features of all clearing businesses, developers no longer need to write new code from scratch for each business scenario, but can quickly develop based on the general configuration, thereby improving development efficiency; secondly, for specific business scenarios and message types, corresponding field mapping rules can be selected, which greatly improves the flexibility of the clearing business processing process and realizes personalized processing.

[0063] Figure 3 A flow chart of a method for implementing shared access using a public interface according to an embodiment of the present disclosure is schematically shown.

[0064] like Figure 3As shown, the method for implementing shared access using a common interface in this embodiment includes: operations S310 to S320.

[0065] In operation S310, a common interface is pre-configured, where the common interface can adaptively access different types of source data.

[0066] In operation S320, in response to a clearing service request initiated by a requester, the clearing service request is uniformly accessed through the common interface.

[0067] In an embodiment of the present disclosure, a basic processor interface, that is, a common interface, is first defined, such as an API gateway or a master control module, and all requests from external systems must enter through this entry.

[0068] The processor interface is a general standard that defines the methods or functions that all message processors need to implement. It provides a unified abstraction for the access and processing of different types of messages. All specific processing logics are implemented based on this interface, and its role is to standardize the request access process and provide necessary information for subsequent processing.

[0069] Different access methods, such as HTTP, MQ (message queue), kafka, batch files, etc., can all access through this interface.

[0070] According to an embodiment of the present disclosure, by pre-configuring the common interface, unified access to request data can be achieved, the access process of requests can be standardized, and necessary information can be provided for subsequent processing, which is beneficial to ensuring the stability and reliability of the system.

[0071] Figure 4 Schematically shows a flowchart of a method for generating a first control instruction according to a general process framework according to an embodiment of the present disclosure.

[0072] As Figure 4 shown, the method for generating a first control instruction according to a general process framework in this embodiment includes: operations S410 to S430.

[0073] In operation S410, in response to a clearing service request initiated by a requester, a pre-configured general process framework is called.

[0074] In operation S420, a general process template is generated according to the general process framework.

[0075] In operation S430, a first control instruction is generated according to the general process template, where the first control instruction represents a common process control instruction for the clearing service.

[0076] In an embodiment of the present disclosure, when a requester initiates a liquidation service request, the pre-configured general process framework is first called, and then a general process template is generated according to the general process framework. For example:

[0077] Template 1, the cross-bank payment liquidation process template.

[0078] Template 2, the in-bank transfer liquidation process template.

[0079] Template 3, the batch liquidation process template.

[0080] These templates can be stored in JSON or YAML format, and finally, according to the corresponding template, a first control instruction is generated, that is, the common process control instruction for the liquidation service.

[0081] According to the embodiment of the present disclosure, the template defines the general processing steps of the liquidation service. Therefore, through the template method, the liquidation process can be managed in a standardized manner, effectively reducing the complexity of the liquidation process and enhancing the standardization and consistency of the system.

[0082] Figure 5 Schematically shows a method flow chart for parsing a liquidation service request to obtain a business scenario and a message type according to an embodiment of the present disclosure.

[0083] As Figure 5 shown, the method for parsing a liquidation service request to obtain a business scenario and a message type in this embodiment includes: operation S510 to operation S520.

[0084] In operation S510, based on the abstract factory pattern, according to the type of the liquidation service request, a processor corresponding to the liquidation service request type is created.

[0085] In operation S520, the corresponding processor is used to parse the liquidation service request to obtain the business scenario and the message type.

[0086] In an embodiment of the present disclosure, the liquidation service request can be parsed based on the abstract factory pattern.

[0087] The abstract factory pattern (Abstract Factory Pattern) refers to a factory pattern used when there are multiple abstract roles. The abstract factory pattern can provide an interface to the client, enabling the client to create product objects in multiple product families without having to specify the specific products. Each form in the factory pattern is a solution to a certain problem. The factory method is aimed at multiple product series structures; while the abstract factory pattern is aimed at multiple product family structures, and there are multiple product series within one product family.

[0088] The public interface identifies the message source from the settlement service request. The factory class generates the corresponding parser and then calls the parser to perform field parsing on the message. For example:

[0089] If the message source is an HTTP request, then the HTTP processor is called.

[0090] If the message source is an MQ message, then the MQ processor is called.

[0091] If the message is a batch file, then the file processor is called.

[0092] According to an embodiment of the present disclosure, the core function of the abstract factory pattern is to dynamically generate an adaptation module according to the type of the settlement service request, so as to achieve high flexibility and scalability of the settlement process, making the system more modular, extensible and easy to maintain.

[0093] Figure 6 Schematically shows a method flowchart for generating a second control instruction according to a business scenario and a message type according to an embodiment of the present disclosure.

[0094] As Figure 6 shown, the method for generating a second control instruction according to a business scenario and a message type in this embodiment includes: operation S610 to operation S620.

[0095] In operation S610, according to the business scenario and the message type, a field mapping template is created based on the visual operation interface.

[0096] In operation S620, according to the field mapping template, a second control instruction is generated, where the second control instruction represents an adaptation process control instruction for the settlement service.

[0097] In an embodiment of the present disclosure, first, according to the specific business scenario and message type, a field mapping template is created based on the visual operation interface, which can be to create field mappings and verification rules related to the message type based on a graphical operation interface. For example:

[0098] Template 1, XML message adaptation rule template.

[0099] Template 2, JSON message adaptation rule template.

[0100] Template 3, fixed-length message adaptation rule template.

[0101] These templates can be stored in JSON or YAML format, and then according to the specific field mapping template, a second control instruction is generated, that is, an adaptation process control instruction for the settlement service.

[0102] According to an embodiment of the present disclosure, by editing a field mapping template through a visual operation interface, the liquidation process configuration can be made more efficient and controllable, improving the operability and maintenance efficiency of the system.

[0103] Figure 7 Schematically shows a method flowchart for liquidating a liquidation service request according to a first control instruction and a second control instruction according to an embodiment of the present disclosure.

[0104] As Figure 7 shown, the method for liquidating a liquidation service request according to the first control instruction and the second control instruction in this embodiment includes: operations S710 to S730.

[0105] In operation S710, a control file is generated according to the first control instruction and the second control instruction.

[0106] In operation S720, according to the guidance of the control file, the liquidation process of the general process template is sequentially executed.

[0107] In operation S730, in response to the liquidation process reaching the field mapping stage, the liquidation service request is subjected to field parsing and verification processing according to the field mapping template to obtain a processing result.

[0108] In an embodiment of the present disclosure, the above two types of generated instructions, the first control instruction and the second control instruction, are combined to obtain a complete liquidation service processing flow, and then a control file is generated from the complete liquidation service processing flow.

[0109] The overall general process of the liquidation service is guided by the control file. When field parsing and verification processing are required, the field mapping template therein can be used to perform field parsing and verification processing on the liquidation service request to obtain a final result.

[0110] According to an embodiment of the present disclosure, since the control file contains two parts of instructions, where the first instruction generates a common process control file, which is mainly responsible for providing a general processing framework, and the second instruction generates a message adaptation process control file, which is mainly responsible for customization according to the requirements of specific messages, the system can balance standardization and flexibility to adapt to the changing liquidation service requirements.

[0111] Figure 8 Schematically shows a method flowchart for asynchronous processing according to an embodiment of the present disclosure.

[0112] As Figure 8 shown, the method for asynchronous processing in this embodiment includes: operations S810 to S830.

[0113] In operation S810, an emergency response mechanism is configured, where the emergency response mechanism is used to monitor the processing status of clearing service requests in real time.

[0114] In operation S820, in response to an exception occurring during the clearing process of a clearing service request, the clearing service request is placed in an asynchronous queue.

[0115] In operation S830, a background thread is started to reprocess the clearing service request within a predetermined time.

[0116] In an embodiment of the present disclosure, the processing status of clearing service requests can be monitored in real time by configuring an emergency response mechanism.

[0117] The system can mark the status of each clearing service request as "pending", "processing", "completed", etc. During the clearing service processing flow, the status changes of each clearing request are tracked in real time through the system monitoring tool to ensure that exceptions can be quickly detected.

[0118] For example, when processing a certain clearing service request, the system continuously checks the status of the request. If there is no progress for a long time or a system failure occurs during the processing, the system will promptly trigger the emergency response mechanism.

[0119] When an exception occurs, the clearing service request is placed in an asynchronous queue.

[0120] If an exception occurs during the processing of a clearing service request (for example, field verification fails or data source access fails), the system marks the request as "exceptional" status. Subsequently, the system places the request in an asynchronous queue and waits for the background thread to perform subsequent processing.

[0121] For example, assume that clearing request A has an error during the field verification stage, resulting in the verification not passing. At this time, the system automatically places request A in the "exception queue" and records the exception log.

[0122] Start a background thread to reprocess the clearing service request.

[0123] The system starts a background thread to reprocess the clearing requests in the asynchronous queue. The background thread will reattempt to process the clearing service request within a predetermined time (for example, within 5 minutes), and the predetermined time can be set according to business requirements. If the clearing request can be successfully processed within the predetermined time, the system marks the request as "completed". If it still fails after multiple attempts, the system will give an alarm and perform manual intervention.

[0124] For example, the system starts a background thread to retry the requests in the asynchronous queue periodically (e.g., every 2 minutes). Suppose request A passes the field verification successfully during the first retry, the system will mark the status of this request as "completed" and remove it from the asynchronous queue.

[0125] According to the embodiments of the present disclosure, the emergency response mechanism effectively improves the fault tolerance and processing efficiency of the clearing service through real-time status monitoring of clearing requests, the use of exception queues, and the background retry mechanism, ensuring that the overall business process is not affected when exceptions occur, thereby enhancing the stability and response speed of the system.

[0126] In the embodiments of the present disclosure, the clearing service processing method may further include: operations S260 to S270.

[0127] In operation S260, a receipt is generated according to the processing result, where the type of the receipt matches the message type.

[0128] In operation S270, the receipt is sent back to the requester.

[0129] According to the processing result of the clearing service request, the system generates a corresponding receipt according to different message types, and the type of the receipt is consistent with the message type to ensure that the requester can correctly identify and understand the content of the receipt.

[0130] For example, suppose the requester sends a "cross-bank payment" clearing service request with the message type in JSON format, and the system successfully completes the clearing after processing. At this time, the type of the receipt should be the "payment success receipt" in JSON format; if the processing fails, the receipt should be the "payment failure receipt".

[0131] The receipt may also include the status (success / failure) of the clearing request, error information (such as the reason for failure), and other relevant additional information (such as transaction number, timestamp, etc.).

[0132] Then, the system sends the receipt information back to the requester according to the generated receipt. The receipt is returned in a synchronous or asynchronous manner, which is determined according to the business logic.

[0133] In the synchronous mode, the receipt will be returned to the requester immediately after processing; in the asynchronous mode, the receipt will be sent to the requester through other mechanisms (such as notification or polling).

[0134] According to the embodiments of the present disclosure, by generating a receipt that matches the message type according to the processing result and sending it back to the requester, clear feedback is provided to the requester, reducing manual intervention, enhancing the user experience and the traceability of the system. This mechanism helps to build a more efficient, reliable, and customer-friendly clearing service processing flow.

[0135] Based on the above settlement service processing method, the present disclosure also provides a settlement service processing device. The following will combine Figure 9 to describe this device in detail.

[0136] Figure 9 Schematically shows a structural block diagram of a settlement service processing device according to an embodiment of the present disclosure.

[0137] As Figure 9 shown, the settlement service processing device 900 of this embodiment includes: a configuration module 910, a first generation module 920, a parsing module 930, a second generation module 940, and a settlement module 950.

[0138] The configuration module 910 is used to pre-configure a general process framework for settlement services, where the general process framework integrates the common settlement characteristics of different settlement services during the settlement process. In one embodiment, the configuration module 910 can be used to execute the operation S210 described above, which will not be elaborated here.

[0139] The first generation module 920 is used to generate a first control instruction according to the general process framework in response to a settlement service request initiated by a requester, where the first control instruction is used to control the settlement service request to be standardized according to the general process framework. In one embodiment, the first generation module 920 can be used to execute the operation S220 described above, which will not be elaborated here.

[0140] The parsing module 930 is used to parse the settlement service request to obtain the business scenario and message type. In one embodiment, the parsing module 930 can be used to execute the operation S230 described above, which will not be elaborated here.

[0141] The second generation module 940 is used to generate a second control instruction according to the business scenario and message type, where the second control instruction is used to control the settlement service request to perform field parsing and verification processing according to a specific field mapping rule adapted to the business scenario and message type. In one embodiment, the second generation module 940 can be used to execute the operation S240 described above, which will not be elaborated here.

[0142] The settlement module 950 is used to perform settlement processing on the settlement service request according to the first control instruction and the second control instruction to obtain a processing result. In one embodiment, the settlement module 950 can be used to execute the operation S250 described above, which will not be elaborated here.

[0143] According to an embodiment of the present disclosure, the settlement service processing device 900 of this embodiment further includes: a public interface module.

[0144] The public interface module is used to pre-configure a public interface, where the public interface can adaptively access different types of source data; in response to a clearing service request initiated by a requester, the clearing service request is uniformly accessed through the public interface.

[0145] According to an embodiment of the present disclosure, the first generation module 920 includes: a call module.

[0146] The call module is used to, in response to a clearing service request initiated by a requester, call a pre-configured general process framework; generate a general process template according to the general process framework; and generate a first control instruction according to the general process template, where the first control instruction represents a public process control instruction for the clearing service.

[0147] According to an embodiment of the present disclosure, the parsing module 930 includes: a first creation module.

[0148] The creation module is used to create a processor corresponding to the type of the clearing service request based on the abstract factory pattern; and parse the clearing service request by using the corresponding processor to obtain a service scenario and a message type.

[0149] According to an embodiment of the present disclosure, the second generation module 940 includes: a second creation module.

[0150] The second creation module is used to create a field mapping template based on a visual operation interface according to the service scenario and the message type; and generate a second control instruction according to the field mapping template, where the second control instruction represents an adaptation process control instruction for the clearing service.

[0151] According to an embodiment of the present disclosure, the clearing module 950 includes: a guidance module.

[0152] The guidance module is used to generate a control file according to the first control instruction and the second control instruction; sequentially execute the clearing process of the general process template according to the guidance of the control file; and in response to the clearing process reaching the field mapping stage, perform field parsing and verification processing on the clearing service request according to the field mapping template to obtain a processing result.

[0153] According to an embodiment of the present disclosure, the clearing service processing device 900 of this embodiment further includes: an emergency module.

[0154] The emergency module is used to configure an emergency response mechanism, where the emergency response mechanism is used to monitor the processing status of the clearing service request in real time; in response to an exception occurring during the clearing process of the clearing service request, put the clearing service request into an asynchronous queue; and start a background thread to re-process the clearing service request within a predetermined time.

[0155] According to an embodiment of the present disclosure, the settlement service processing apparatus 900 of this embodiment further includes: a feedback module.

[0156] The feedback module is configured to generate a receipt according to the processing result, where the type of the receipt matches the message type; and send the receipt back to the requester.

[0157] According to an embodiment of the present disclosure, any multiple modules among the configuration module 910, the first generation module 920, the parsing module 930, the second generation module 940, and the settlement module 950 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the configuration module 910, the first generation module 920, the parsing module 930, the second generation module 940, and the settlement module 950 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or any other reasonable manner of integrating or packaging circuits, etc., implemented by hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in any appropriate combination of several of them. Alternatively, at least one of the configuration module 910, the first generation module 920, the parsing module 930, the second generation module 940, and the settlement module 950 may be at least partially implemented as a computer program module, and when the computer program module is run, it can execute the corresponding functions.

[0158] Figure 10 A block diagram of an electronic device suitable for implementing the settlement service processing method according to an embodiment of the present disclosure is schematically shown.

[0159] As Figure 10 shown, the electronic device 1000 according to an embodiment of the present disclosure includes a processor 1001, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1002 or the program loaded from the storage section 1008 into the random access memory (RAM) 1003. The processor 1001 may include, for example, a general microprocessor (such as a CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (such as an application specific integrated circuit (ASIC)), etc. The processor 1001 may also include on-board memory for caching purposes. The processor 1001 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0160] In the RAM 1003, various programs and data required for the operation of the electronic device 1000 are stored. The processor 1001, the ROM 1002, and the RAM 1003 are connected to each other via a bus 1004. The processor 1001 performs various operations of the method flow according to the embodiments of the present disclosure by executing the programs in the ROM 1002 and / or the RAM 1003. It should be noted that the programs may also be stored in one or more memories other than the ROM 1002 and the RAM 1003. The processor 1001 may also perform various operations of the method flow according to the embodiments of the present disclosure by executing the programs stored in the one or more memories.

[0161] According to an embodiment of the present disclosure, the electronic device 1000 may further include an input / output (I / O) interface 1005, and the input / output (I / O) interface 1005 is also connected to the bus 1004. The electronic device 1000 may further include one or more of the following components connected to the input / output (I / O) interface 1005: an input portion 1006 including a keyboard, a mouse, etc.; an output portion 1007 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage portion 1008 including a hard disk, etc.; and a communication portion 1009 including a network interface card such as a LAN card, a modem, etc. The communication portion 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the input / output (I / O) interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed so that a computer program read therefrom can be installed into the storage portion 1008 as needed.

[0162] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist separately without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the method according to the embodiments of the present disclosure is implemented.

[0163] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example, but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In the present disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include one or more memories other than the above-described ROM 1002 and / or RAM 1003 and / or ROM 1002 and RAM 1003.

[0164] An embodiment of the present disclosure further includes a computer program product, which includes a computer program that contains program code for executing the method shown in the flowchart. When the computer program product runs in a computer system, the program code is used to cause the computer system to implement the method provided by the embodiment of the present disclosure.

[0165] When the computer program is executed by the processor 1001, it executes the above functions defined in the system / apparatus of the embodiment of the present disclosure. According to an embodiment of the present disclosure, the above-described systems, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0166] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices and magnetic storage devices. In another embodiment, the computer program may also be transmitted and distributed in the form of a signal on a network medium, and be downloaded and installed through the communication part 1009, and / or be installed from the removable medium 1011. The program code included in the computer program may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0167] In such an embodiment, the computer program may be downloaded and installed from the network through the communication part 1009, and / or be installed from the removable medium 1011. When the computer program is executed by the processor 1001, it executes the above functions defined in the system of the embodiment of the present disclosure. According to an embodiment of the present disclosure, the above-described systems, devices, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0168] In accordance with embodiments of the present disclosure, program code for executing the computer programs provided by the embodiments of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages include, but are not limited to, such as Java, C++, Python, the "C" language, or similar programming languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving a remote computing device, the remote computing device can be connected to the user's computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., by using an Internet service provider to connect through the Internet).

[0169] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram may represent a module, a program segment, or a part of code, and the above-mentioned module, program segment, or part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order from that marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0170] Those skilled in the art can understand that the features described in the various embodiments of the present disclosure can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features described in the various embodiments of the present disclosure can be combined and / or combined in various ways. All such combinations and / or combinations fall within the scope of the present disclosure.

[0171] The above describes the embodiments of the present disclosure. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in each embodiment cannot be used advantageously in combination. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and all such substitutions and modifications should fall within the scope of the present disclosure.

Claims

1. A method for processing clearing business, characterized in that: The method comprises: Pre-configure a general process framework for clearing services, wherein the general process framework integrates clearing features common to different clearing services during the clearing process; In response to a request for a clearing service being initiated by a requesting party, generating a first control instruction according to the general process framework, wherein the first control instruction is used to control the clearing service request to be processed in a standardized manner according to the general process framework; Parsing the clearing business request to obtain the business scenario and message type; Generate a second control instruction according to the business scenario and the message type, wherein the second control instruction is used to control the clearing business request to perform field parsing and verification processing according to a specific field mapping rule adapted to the business scenario and the message type; According to the first control instruction and the second control instruction, clearing processing is performed on the clearing business request to obtain a processing result.

2. The method according to claim 1, characterized in that The method of responding to the requester initiating a clearing service request and generating a first control instruction according to the general process framework includes: Pre-configure a common interface, wherein the common interface can be adaptively accessed for different types of source data; In response to a clearing service request initiated by a requesting party, the clearing service request is uniformly accessed through the public interface.

3. The method according to claim 2, characterized in that In response to the requesting party initiating a clearing service request, generating a first control instruction according to the general process framework includes: In response to a request for a clearing service initiated by a requesting party, a pre-configured general process framework is called; Generate a general process template according to the general process framework; A first control instruction is generated according to the general process template, wherein the first control instruction represents a public process control instruction of the clearing business.

4. The method according to claim 2, characterized in that: The business scenario and message type obtained by parsing the clearing business request include: Based on the abstract factory pattern, according to the type of the liquidation business request, a processor corresponding to the type of the liquidation business request is created; The clearing service request is parsed using a corresponding processor to obtain a service scenario and a message type.

5. The method according to claim 3, characterized in that: The generating a second control instruction according to the service scenario and the message type includes: According to the business scenario and the message type, a field mapping template is created based on a visual operation interface; A second control instruction is generated according to the field mapping template, wherein the second control instruction represents an adaptation process control instruction of the clearing business.

6. The method according to claim 5, characterized in that The clearing processing of the clearing service request according to the first control instruction and the second control instruction to obtain the processing result includes: Generate a control file according to the first control instruction and the second control instruction; According to the guidance of the control document, execute the liquidation process of the general process template in sequence; In response to the clearing process being executed to the field mapping stage, the clearing business request is subjected to field parsing and verification processing according to the field mapping template to obtain a processing result.

7. The method according to claim 1, characterized in that The method further comprises: Configuring an emergency response mechanism, wherein the emergency response mechanism is used to monitor the processing status of the clearing business request in real time; In response to an exception occurring during the clearing process of the clearing service request, placing the clearing service request into an asynchronous queue; A background thread is started to reprocess the clearing service request within a predetermined time.

8. The method according to claim 7, characterized in that The method further comprises: Generate a receipt according to the processing result, wherein the type of the receipt matches the type of the message; The receipt is sent back to the requesting party.

9. A clearing business processing device, characterized in that: The device comprises: A configuration module, used to pre-configure a general process framework for clearing services, wherein the general process framework integrates clearing features common to different clearing services during the clearing process; A first generating module, configured to generate a first control instruction according to the general process framework in response to a clearing service request initiated by a requesting party, wherein the first control instruction is used to control the clearing service request to be processed in a standardized manner according to the general process framework; A parsing module, used to parse the clearing business request to obtain a business scenario and a message type; A second generating module, configured to generate a second control instruction according to the business scenario and the message type, wherein the second control instruction is used to control the clearing business request to perform field parsing and verification processing according to a specific field mapping rule adapted to the business scenario and the message type; The clearing module is used to perform clearing processing on the clearing business request according to the first control instruction and the second control instruction to obtain a processing result.

10. An electronic device, comprising: one or more processors; a memory for storing one or more computer programs; It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 8.

11. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

12. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

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