Settlement service processing method, apparatus, device, medium and program product

Abstract

The disclosure provides a clearing business processing method, which can be applied to the technical field of big data. The clearing business processing method comprises the following steps: a general process framework of a clearing business is preconfigured, wherein the general process framework integrates clearing characteristics common to different clearing businesses in a clearing process; in response to a request party initiating a clearing business request, a first control instruction is generated according to the general process framework, wherein the first control instruction is used to control the clearing business request to be standardized processed according to the general process framework; the clearing business request is parsed to obtain a business scenario and a message type; a second control instruction is generated according to the business scenario and the message type; and the clearing business request is processed according to the first control instruction and the second control instruction to obtain a processing result. The disclosure further provides a clearing business processing device, equipment, a storage medium and a program product.

Description

Technical Field

[0001] This disclosure relates to the field of big data technology, and more specifically to a clearing business processing method, apparatus, equipment, medium, and program product. Background Technology

[0002] Bank clearing business refers to the process by which banks settle bilateral or multilateral debts and claims through accounts or local clearing systems of relevant currencies during settlement and payment.

[0003] Currently, traditional clearing and settlement processing methods suffer from two main drawbacks: First, these methods often require tailored processing for different business scenarios, necessitating developers to write separate code for each. This results in excessive code volume and difficulty in maintenance. Furthermore, each business processing method may have special cases requiring customized handling, but because the code is scattered across various modules, it's difficult to adjust the entire system. Second, because traditional clearing and settlement processing operates within a fixed system architecture, it's challenging to customize processing based on business needs. This leads to situations where special handling is required in certain business scenarios, but the system architecture's limitations make implementation difficult. Summary of the Invention

[0004] In view of the above problems, this disclosure provides a clearing business processing method, apparatus, equipment, medium and program product.

[0005] According to a first aspect of this disclosure, a clearing business processing method is provided, comprising: 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; responding to a clearing business request 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 business request to be processed in a standardized manner according to the general process framework; parsing the clearing business request to obtain a business scenario and message type; generating a second control instruction according to the business scenario and message type, wherein the second control instruction is used to control the clearing business request to perform field parsing and verification processing according to specific field mapping rules adapted to the business scenario and message type; and performing clearing processing on the clearing business request according to the first control instruction and the second control instruction to obtain a processing result.

[0006] According to embodiments of this disclosure, in response to a requester initiating a clearing service request, before generating a first control instruction according to a general process framework, the process includes: pre-configuring a public interface, wherein the public interface is capable of adaptive access for different types of source data; and in response to a requester initiating a clearing service request, uniformly accessing the clearing service request through the public interface.

[0007] According to embodiments of this disclosure, in response to a requesting party initiating a clearing business request, generating a first control instruction based on a general process framework includes: in response to the requesting party initiating a clearing business request, invoking a pre-configured general process framework; generating a general process template based on the general process framework; and generating a first control instruction based on the general process template, wherein the first control instruction represents a common process control instruction for clearing business.

[0008] According to embodiments of this disclosure, parsing a clearing business request to obtain the business scenario and message type includes: based on the abstract factory pattern, creating a processor corresponding to the type of the clearing business request; and using the corresponding processor to parse the clearing business request to obtain the business scenario and message type.

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

[0010] According to embodiments of this disclosure, the clearing business request is cleared according to a first control instruction and a second control instruction, and the clearing result is obtained by: generating a control file according to the first control instruction and the second control instruction; executing the clearing process of the general process template sequentially according to the guidance of the control file; and in response to the clearing process reaching the field mapping stage, performing field parsing and verification processing on the clearing business request according to the field mapping template to obtain the clearing result.

[0011] According to embodiments of this disclosure, the method further includes: configuring an emergency response mechanism, wherein the emergency response mechanism is used to monitor the processing status of clearing business requests in real time; in response to an exception occurring during the clearing process, placing the clearing business request into an asynchronous queue; and starting a background thread to reprocess the clearing business request within a predetermined time.

[0012] According to embodiments of this disclosure, the method further includes: generating a receipt based on the processing result, wherein the type of the receipt matches the message type; and sending the receipt back to the requester.

[0013] A second aspect of this disclosure provides a clearing business processing apparatus, comprising: a configuration module for pre-configuring a general process framework for clearing business, wherein the general process framework integrates clearing features common to different clearing businesses during the clearing process; a first generation module for responding to a clearing business request initiated by a requester and generating a first control instruction according to the general process framework, wherein the first control instruction is used to control the clearing business request to be processed in a standardized manner according to the general process framework; a parsing module for parsing the clearing business request to obtain a business scenario and message type; a second generation module for generating a second control instruction according to the business scenario and message type, wherein the second control instruction is used to control the clearing business request to perform field parsing and verification processing according to specific field mapping rules adapted to the business scenario and message type; and 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] A third aspect of this disclosure provides an electronic device comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.

[0015] A fourth aspect of this disclosure also provides a computer-readable storage medium having a computer program or instructions stored thereon, which, when executed by a processor, implement the steps of the above-described method.

[0016] The fifth aspect of this disclosure also provides a computer program product, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method. Attached Figure Description

[0017] The foregoing contents, as well as other objects, features, and advantages of this disclosure, will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0018] Figure 1 This diagram illustrates an application scenario of the clearing business processing method according to an embodiment of the present disclosure.

[0019] Figure 2 A flowchart illustrating a clearing business processing method according to an embodiment of the present disclosure is shown schematically.

[0020] Figure 3 A flowchart illustrating a method for implementing shared access using a public interface according to an embodiment of the present disclosure is shown.

[0021] Figure 4 A flowchart illustrating a method for generating a first control instruction according to a general process framework based on an embodiment of the present disclosure is shown schematically.

[0022] Figure 5 This schematically illustrates a flowchart of a method for parsing a clearing business request to obtain the business scenario and message type according to an embodiment of the present disclosure;

[0023] Figure 6 This schematically illustrates a flowchart of a method for generating a second control command based on a business scenario and message type according to an embodiment of the present disclosure;

[0024] Figure 7 This schematically illustrates a flowchart of a method for clearing a clearing business request according to a first control instruction and a second control instruction, based on an embodiment of the present disclosure.

[0025] Figure 8 A flowchart illustrating an asynchronous processing method according to an embodiment of the present disclosure is shown schematically.

[0026] Figure 9 This schematically illustrates a structural block diagram of a clearing business processing apparatus according to an embodiment of the present disclosure;

[0027] Figure 10 A block diagram schematically illustrates an electronic device suitable for implementing a clearing business processing method according to an embodiment of the present disclosure. Detailed Implementation

[0028] The embodiments of the present disclosure will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the disclosure. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure for ease of explanation. However, it will be apparent that one or more embodiments may be practiced without these specific details. Furthermore, descriptions of well-known structures and techniques are omitted in the following description to avoid unnecessarily obscuring the concepts of the present disclosure.

[0029] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit this disclosure. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated 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 are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0031] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0032] It should be noted that the clearing business processing method and apparatus disclosed herein can be used in the field of financial technology for clearing business processing, and can also be used in any field other than financial technology for clearing business processing. The application field of the clearing business processing method and apparatus disclosed herein is not limited.

[0033] In the technical solution disclosed herein, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse.

[0034] In scenarios involving automated decision-making using personal information, the methods, devices, and systems provided in this disclosure all offer users corresponding entry points for choosing to agree to or reject the automated decision-making results. If the user chooses to reject, the process proceeds to the expert decision-making stage. Here, "automated decision-making" refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests, or economic, health, and credit status through computer programs, and then making a decision. Here, "expert decision-making" refers to the activity of making decisions by personnel who specialize in a particular field, possess specialized experience, knowledge, and skills, and have reached a certain level of professional expertise.

[0035] Embodiments of this disclosure provide a clearing business processing method, comprising: pre-configuring a general process framework for clearing business, wherein the general process framework integrates clearing features common to different clearing businesses during the clearing process; in response to a requesting party initiating a clearing business request, generating a first control instruction according to the general process framework, wherein the first control instruction is used to control the clearing business request to be processed in a standardized manner according to the general process framework; parsing the clearing business request to obtain a business scenario and message type; generating a second control instruction according to the business scenario and message type, wherein the second control instruction is used to control the clearing business request to perform field parsing and verification processing according to specific field mapping rules adapted to the business scenario and message type; and performing clearing processing on the clearing business request according to the first control instruction and the second control instruction to obtain a processing result.

[0036] The clearing business processing method provided in this disclosure pre-configures a general process framework for all clearing businesses. This general process framework shares commonalities with all clearing businesses. Therefore, when a requester initiates a clearing business request, a first control instruction is generated based on this general process framework to guide the clearing business to perform standardized processing according to the general framework. Then, a second control instruction is generated based on the specific business scenario and message type, and field parsing and verification are 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. Instead, development can be quickly carried out based on the general configuration, thus improving development efficiency. Secondly, for specific business scenarios and message types, corresponding field mapping rules can be selected, greatly improving the flexibility of the clearing business processing and realizing personalized processing.

[0037] Figure 1 The diagram illustrates an application scenario of the clearing business processing method according to an embodiment of the present disclosure.

[0038] like Figure 1 As shown, 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. Network 104 serves as a medium for providing communication links between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. Network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0039] Users can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 via the network 104 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 media 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 displays and support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0041] Server 105 can be a server that provides various services, such as a backend management server that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (this is just an example). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

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

[0043] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0044] The following will be based on Figure 1 The described scene, through Figures 2-8 The clearing business processing method of the disclosed embodiments is described in detail.

[0045] Figure 2 A flowchart illustrating a clearing business processing method according to an embodiment of the present disclosure is shown schematically.

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

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

[0048] In operation S220, in response to the requester initiating a clearing business request, a first control instruction is generated according to the general process framework. The first control instruction is used to control the clearing business request to be processed in a standardized manner 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, a second control instruction is generated based on the business scenario and message type. The second control instruction is used to control the clearing business request to perform field parsing and verification processing according to specific field mapping rules adapted to the business scenario and message type.

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

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

[0053] Different business scenarios (such as interbank payments, intrabank transfers, and batch clearing) may require different clearing processes. For example, interbank clearing requires signature verification, core system processing, status updates, and receipt generation. Intrabank clearing may skip some processing steps (such as signature verification) and directly enter the core system interaction. However, there are often certain common logics in these processes. Therefore, a common process framework for clearing business can be pre-configured.

[0054] For example, during the system design and development phase, the clearing and settlement business design team or operations team predefines definitions based on business rules and processing procedures. These definitions are deployed in the system along with system launch or version updates and are dynamically loaded at runtime according to business needs. Because these definitions are static files stored in the system configuration library, they can be flexibly modified according to different scenarios without requiring changes to the core code.

[0055] When a requester initiates a clearing business request, a first control instruction is first generated based on the general process framework to control the clearing business request to be processed in a standardized manner according to the general process framework, that is, to be processed according to the common process shared by all clearing businesses.

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

[0057] The business scenarios for clearing operations typically include: interbank payments, intrabank transfers, and batch clearing.

[0058] The message types for clearing operations typically include: XML format (Extensible Markup Language, a subset of Standard Generalized Markup Language), JSON format (JavaScript Object Notation, a lightweight data interchange format), fixed-length format, etc.

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

[0060] For example, in this embodiment of the disclosure, the business scenario of the clearing business is "interbank payment" and the message type of the clearing business is "XML format". The system will load the field mapping rules for "interbank payment" and "XML format". These 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 two-layer control of the above two instructions, the clearing business request is cleared under its constraints, and the final result is obtained.

[0062] According to embodiments of this disclosure, a common process framework for all clearing operations is pre-configured. This common process framework shares commonalities with all clearing operations. Therefore, when a requester initiates a clearing operation request, a first control instruction is generated based on this common process framework to guide the clearing operation to undergo standardized processing according to the common framework. Then, a second control instruction is generated based on the specific business scenario and message type, and field parsing and verification are performed according to the adapted field mapping rules. Since the common process framework integrates the common features of all clearing operations, developers no longer need to write new code from scratch for each business scenario. Instead, development can be quickly carried out based on the common configuration, thus improving development efficiency. Secondly, for specific business scenarios and message types, corresponding field mapping rules can be selected, greatly improving the flexibility of the clearing operation processing and enabling personalized processing.

[0063] Figure 3 A flowchart illustrating a method for implementing shared access using a public interface according to an embodiment of this disclosure is shown.

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

[0065] When operating the S310, a common interface is pre-configured, which can adaptively access data from different types of sources.

[0066] When operating S320, in response to a clearing service request initiated by the requesting party, the clearing service request is uniformly accessed through a public interface.

[0067] In the embodiments of this disclosure, a basic processor interface, also known as a public interface, such as an API gateway or a central control module, is first defined, through which all requests from external systems must enter.

[0068] The processor interface is a universal 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 logic is implemented based on this interface. 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 file access, etc., can all be accessed through this interface.

[0070] According to embodiments of this disclosure, by pre-configuring a public interface, unified access to request data can be achieved, the request access process can be standardized, and necessary information can be provided for subsequent processing, which helps to ensure the stability and reliability of the system.

[0071] Figure 4 A flowchart illustrating a method for generating a first control instruction according to a general process framework based on an embodiment of the present disclosure is shown schematically.

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

[0073] When operating S410, in response to a request from the requesting party to initiate a clearing business request, a pre-configured general process framework is invoked.

[0074] When operating S420, a general process template is generated based on the general process framework.

[0075] When operating S430, a first control instruction is generated based on the general process template. The first control instruction represents the common process control instruction for the clearing business.

[0076] In the embodiments of this disclosure, when a requester initiates a clearing service request, a pre-configured general process framework is first invoked, and then a general process template is generated based on the general process framework, for example:

[0077] Template 1: Interbank Payment and Settlement Process Template.

[0078] Template 2: Intra-bank transfer clearing process template.

[0079] Template 3: Batch Clearing Process Template.

[0080] These templates can be stored in JSON or YAML format. Finally, based on the corresponding template, the first control instruction, which is the common process control instruction for the clearing business, is generated.

[0081] According to embodiments of this disclosure, the template defines general processing steps for clearing operations. Therefore, the clearing process can be standardized and managed through the template, effectively reducing the complexity of the clearing process and enhancing the standardization and consistency of the system.

[0082] Figure 5 The flowchart illustrates a method for parsing a clearing business request to obtain the business scenario and message type according to an embodiment of the present disclosure.

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

[0084] When operating S510, based on the abstract factory pattern, a processor corresponding to the type of clearing business request is created according to the type of clearing business request.

[0085] When operating the S520, the corresponding processor is used to parse the clearing business request to obtain the business scenario and message type.

[0086] In embodiments of this disclosure, the clearing business request can be parsed based on the abstract factory pattern.

[0087] The Abstract Factory Pattern is a factory pattern used when there are multiple abstract roles. It provides an interface to the client, allowing the client to create product objects from multiple product families without specifying the concrete products. Each form in the factory pattern represents a solution to a specific problem; the factory method addresses multiple product family structures, while the abstract factory pattern addresses multiple product family structures, where a product family contains multiple product families.

[0088] The public interface identifies the message source from the clearing business request, the factory class generates the corresponding parser, and then calls the parser to parse the fields of the message, for example:

[0089] If the message originates from an HTTP request, the HTTP handler is invoked.

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

[0091] If the message is a batch of files, the file processor is invoked.

[0092] According to embodiments of this disclosure, the core function of the Abstract Factory pattern is to dynamically generate adaptation modules based on the type of clearing business requests, thereby achieving high flexibility and scalability of the clearing process, making the system more modular, scalable, and easy to maintain.

[0093] Figure 6 The flowchart illustrating a method for generating a second control instruction based on a business scenario and message type according to an embodiment of the present disclosure is shown.

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

[0095] When operating S610, field mapping templates are created based on the business scenario and message type using a visual operation interface.

[0096] During operation of S620, a second control instruction is generated based on the field mapping template. The second control instruction represents the adaptation process control instruction for the clearing business.

[0097] In the embodiments of this disclosure, firstly, based on the specific business scenario and message type, a field mapping template is created using a visual operation interface. This can be achieved by creating message type-related field mappings and validation rules using 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 a second control instruction, namely the adaptation process control instruction for the clearing business, can be generated based on the specific field mapping template.

[0102] According to embodiments of this disclosure, editing field mapping templates through a visual operation interface can make the clearing process configuration more efficient and controllable, thereby improving the operability and maintenance efficiency of the system.

[0103] Figure 7 The illustration shows a flowchart of a method for clearing a clearing business request according to a first control instruction and a second control instruction, based on an embodiment of the present disclosure.

[0104] like Figure 7 As shown, the method for clearing a clearing business request according to the first control instruction and the second control instruction in this embodiment includes: operation 710 to operation S730.

[0105] When operating the S710, a control file is generated based on the first control instruction and the second control instruction.

[0106] When operating the S720, follow the instructions in the control file to execute the liquidation process of the general process template in sequence.

[0107] When operating S730, in response to the clearing process reaching the field mapping stage, the clearing business request is parsed and validated according to the field mapping template to obtain the processing result.

[0108] In the embodiments of this disclosure, the two types of instructions generated above, the first control instruction and the second control instruction, are combined to obtain a complete clearing business processing flow, and then a control file is generated from the complete clearing business processing flow.

[0109] The control file guides the overall general process of clearing operations. When field parsing and validation are required, the field mapping templates can be used to perform field parsing and validation on clearing requests to obtain the final result.

[0110] According to embodiments of this disclosure, since the control file contains two parts of instructions, the first instruction generates a common process control file, which is mainly responsible for providing a general processing framework, while the second instruction generates a message adaptation process control file, which is mainly responsible for customization according to the specific message requirements, so that the system can take into account both standardization and flexibility and adapt to the ever-changing clearing business needs.

[0111] Figure 8 A flowchart illustrating an asynchronous processing method according to an embodiment of the present disclosure is shown schematically.

[0112] like Figure 8 As shown, the asynchronous processing method of this embodiment includes: operation S810 to operation S830.

[0113] When operating S810, configure an emergency response mechanism, which is used to monitor the processing status of clearing business requests in real time.

[0114] When operating 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] When operating S830, a background thread is started to reprocess the clearing business requests within a predetermined time.

[0116] In embodiments of this disclosure, an emergency response mechanism can be configured to monitor the processing status of clearing service requests in real time.

[0117] The system marks the status of each clearing request as "pending," "processing," or "completed." During the clearing process, the system monitoring tools track the status changes of each clearing request in real time to ensure rapid detection of anomalies.

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

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

[0120] If a clearing request encounters an exception during processing (e.g., field validation fails or data source access fails), the system will mark the request as "abnormal". Subsequently, the system will place the request in an asynchronous queue, waiting for a background thread to perform further processing.

[0121] For example, suppose that a liquidation request A encounters an error during the field validation phase, causing the validation to fail. In this case, the system will automatically put the request A into the "abnormal queue" and record the abnormal log.

[0122] Start a background thread to reprocess the liquidation business requests.

[0123] The system will start a background thread to reprocess the liquidation requests in the asynchronous queue. This background thread will retry processing the liquidation requests within a predetermined time (e.g., 5 minutes), which can be set according to business needs. If the liquidation request is successfully processed within the predetermined time, the system will mark the request as "completed". If multiple attempts fail, the system will issue an alarm and require manual intervention.

[0124] For example, the system starts a background thread that periodically (e.g., every 2 minutes) retryes requests in the asynchronous queue. If request A successfully passes field validation on the first retry, the system marks the request status as "completed" and removes it from the asynchronous queue.

[0125] According to embodiments of this disclosure, the emergency response mechanism effectively improves the fault tolerance and processing efficiency of the clearing business by monitoring the real-time status of clearing requests, using an exception queue, and employing a background retry mechanism. This ensures that the overall business process is not affected when an anomaly occurs, thereby enhancing the stability and response speed of the system.

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

[0127] In operation S260, a receipt is generated based on the processing result, wherein the type of the receipt matches the message type.

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

[0129] Based on the processing results of the clearing business request, the system will generate corresponding receipts according to different message types. The type of 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 request in JSON format. If the system successfully completes the clearing after processing, the receipt type should be a JSON-formatted "payment success receipt". If the processing fails, the receipt should be a "payment failure receipt".

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

[0132] The system then sends the generated receipt back to the requester. This receipt can be returned synchronously or asynchronously, depending on the business logic.

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

[0134] According to embodiments of this disclosure, by generating a receipt matching the message type based on the processing result and sending it back to the requester, clear feedback is provided to the requester, reducing manual intervention, improving user experience and system traceability. This mechanism helps to build a more efficient, reliable and customer-friendly clearing business processing flow.

[0135] Based on the above-described clearing business processing method, this disclosure also provides a clearing business processing apparatus. The following will be combined with... Figure 9 The device is described in detail.

[0136] Figure 9 A schematic block diagram of a clearing business processing apparatus according to an embodiment of the present disclosure is shown.

[0137] like Figure 9 As shown, the clearing business 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 clearing module 950.

[0138] The configuration module 910 is used to pre-configure a general process framework for clearing operations, wherein the general process framework integrates clearing features common to different clearing operations during the clearing process. In one embodiment, the configuration module 910 can be used to execute the operation S210 described above, which will not be repeated here.

[0139] The first generation module 920 is used to respond to a clearing business request initiated by a requester and generate a first control instruction according to a general process framework. The first control instruction is used to control the clearing business request to be processed in a standardized manner 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 repeated here.

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

[0141] The second generation module 940 is used to generate a second control instruction based on the business scenario and message type. The second control instruction controls the clearing business request to perform field parsing and verification processing according to specific field mapping rules 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 repeated here.

[0142] The clearing module 950 is used to process clearing business requests according to the first control instruction and the second control instruction, and obtain the processing result. In one embodiment, the clearing module 950 can be used to perform the operation S250 described above, which will not be repeated here.

[0143] According to an embodiment of this disclosure, the clearing business processing apparatus 900 further includes a common interface module.

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

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

[0146] The calling module is used to respond to a clearing business request initiated by the requester by calling a pre-configured general process framework; generating a general process template based on the general process framework; and generating a first control instruction based on the general process template, wherein the first control instruction represents the common process control instruction for clearing business.

[0147] According to an embodiment of this 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 clearing business request based on the abstract factory pattern; and to parse the clearing business request using the corresponding processor to obtain the business scenario and message type.

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

[0150] The second creation module is used to create field mapping templates based on the business scenario and message type, using a visual operation interface; and to generate second control instructions based on the field mapping templates, wherein the second control instructions represent the adaptation process control instructions for the clearing business.

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

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

[0153] According to an embodiment of this disclosure, the clearing business processing apparatus 900 further includes an emergency module.

[0154] The emergency module is used to configure the emergency response mechanism, which is used to monitor the processing status of clearing business requests in real time; in response to an exception occurring during the clearing process, the clearing business request is placed in an asynchronous queue; and a background thread is started to reprocess the clearing business request within a predetermined time.

[0155] According to an embodiment of this disclosure, the clearing business processing apparatus 900 further includes a feedback module.

[0156] The feedback module is used to generate a receipt based on the processing result, wherein the type of the receipt matches the message type; and send the receipt back to the requester.

[0157] According to embodiments of this disclosure, any plurality of modules among the configuration module 910, the first generation module 920, the parsing module 930, the second generation module 940, and the clearing module 950 may be combined into one module, or any one of these modules may be split into multiple modules. Alternatively, at least a portion of the functionality of one or more of these modules may be combined with at least a portion of the functionality of other modules and implemented in one module. According to embodiments of this 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 clearing module 950 may be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or any other reasonable means of integrating or packaging circuitry, or implemented in software, hardware, or firmware, or in any suitable combination of any of these three implementation methods. 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 clearing module 950 may be implemented at least partially as a computer program module, which can perform corresponding functions when the computer program module is run.

[0158] Figure 10 A block diagram schematically illustrates an electronic device suitable for implementing a clearing business processing method according to an embodiment of the present disclosure.

[0159] like Figure 10 As shown, an 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 a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage portion 1008 into a random access memory (RAM) 1003. The processor 1001 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1001 may also include onboard 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] RAM 1003 stores various programs and data required for the operation of electronic device 1000. Processor 1001, ROM 1002, and RAM 1003 are interconnected via bus 1004. Processor 1001 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 1002 and / or RAM 1003. It should be noted that the programs may also be stored in one or more memories other than ROM 1002 and RAM 1003. Processor 1001 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in said one or more memories.

[0161] According to embodiments of this disclosure, the electronic device 1000 may further include an input / output (I / O) interface 1005, which is also connected to a bus 1004. The electronic device 1000 may also include one or more of the following components connected to the input / output (I / O) interface 1005: an input section 1006 including a keyboard, mouse, etc.; an output section 1007 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1008 including a hard disk, etc.; and a communication section 1009 including a network interface card such as a LAN card, modem, etc. The communication section 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 disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 1010 as needed so that computer programs read from it can be installed into the storage section 1008 as needed.

[0162] This disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs that, when executed, implement the method according to the embodiments of this disclosure.

[0163] According to embodiments of this disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, such as including, 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 thereof. In this disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this disclosure, the computer-readable storage medium may include ROM 1002 and / or RAM 1003 and / or one or more memories other than ROM 1002 and RAM 1003 described above.

[0164] Embodiments of this disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code is used to cause the computer system to implement the methods provided in the embodiments of this disclosure.

[0165] When the computer program is executed by the processor 1001, it performs the functions defined in the system / apparatus of this disclosure embodiments. According to embodiments of this disclosure, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0166] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 1009, and / or installed from a removable medium 1011. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0167] In such an embodiment, the computer program can be downloaded and installed from a network via communication section 1009, and / or installed from removable medium 1011. When the computer program is executed by processor 1001, it performs the functions defined in the system of this disclosure embodiment. According to embodiments of this disclosure, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0168] According to embodiments of this disclosure, program code for executing the computer programs provided in embodiments of this disclosure can be written in any combination of one or more programming languages. Specifically, these computational 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, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can execute entirely on a user's computing device, partially on a user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via 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., via the Internet using an Internet service provider).

[0169] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

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

[0171] The embodiments of this disclosure have been described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of this disclosure. Although various embodiments have been described above, this does not mean that the measures in the various embodiments cannot be used advantageously in combination. Various substitutions and modifications can be made by those skilled in the art without departing from the scope of this disclosure, and all such substitutions and modifications should fall within the scope of this disclosure.

Claims

1. A clearing process method, characterized by, The method comprises: pre-configuring a general flow framework of clearing business, wherein the general flow framework integrates clearing features common to different clearing businesses in the clearing process; pre-configuring a public interface, wherein the public interface can adaptively access different types of source data; in response to a request party initiating a clearing business request, uniformly accessing the clearing business request through the public interface; in response to the request party initiating the clearing business request, generating a first control instruction according to the general flow framework, comprising: in response to the request party initiating the clearing business request, calling the pre-configured general flow framework; generating a general flow template according to the general flow framework; and generating a first control instruction according to the general flow template, wherein the first control instruction represents a public flow control instruction of the clearing business, and the first control instruction is used to control the clearing business request to be standardized processed according to the general flow framework; parsing the clearing business request to obtain a business scenario and a message type, comprising: based on an abstract factory pattern, creating a processor corresponding to the type of the clearing business request according to the type of the clearing business request; and using the corresponding processor to parse the clearing business request to obtain the business scenario and the message type; generating a second control instruction according to the business scenario and the message type, comprising: creating a field mapping template based on a visual operation interface according to the business scenario and the message type; and generating a second control instruction according to the field mapping template, wherein the second control instruction represents an adaptive flow control instruction of the clearing business, and the second control instruction is used to control the clearing business request to be field parsed and verified according to a specific field mapping rule adapted to the business scenario and the message type; processing the clearing business request according to the first control instruction and the second control instruction to obtain a processing result, comprising: generating a control file according to the first control instruction and the second control instruction; executing the clearing flow of the general flow template in sequence according to the guidance of the control file; and in response to the clearing flow being executed to a field mapping stage, performing field parsing and verification processing on the clearing business request according to the field mapping template to obtain a processing result.

2. The method of claim 1, wherein, The method further comprises: configuring an emergency response mechanism, wherein the emergency response mechanism is used to monitor the processing state of the clearing business request in real time; in response to an exception occurring in the clearing processing of the clearing business request, putting the clearing business request into an asynchronous queue; starting a background thread to reprocess the clearing business request within a predetermined time.

3. The method of claim 2, wherein, The method further comprises: generating a receipt according to the processing result, wherein the type of the receipt matches the message type; sending the receipt back to the request party.

4. A clearing house processing apparatus characterized by comprising: The apparatus comprises: The configuration module is configured to pre-configure a general flow framework of the clearing service, wherein the general flow framework integrates clearing features common to different clearing services in a clearing process. The first generation module is configured to generate a first control instruction according to the general flow framework in response to a request party initiating a clearing service request, wherein the first control instruction is used to control the clearing service request to be processed in a standardized manner according to the general flow framework. The analysis module is configured to analyze the clearing service request to obtain a service scenario and a message type. The second generation module is configured to generate a second control instruction according to the service scenario and the message type, wherein the second control instruction is used to control the clearing service request to be processed in a field analysis and verification manner according to a specific field mapping rule adapted to the service scenario and the message type. The clearing module is configured to perform clearing processing on the clearing service request according to the first control instruction and the second control instruction to obtain a processing result.

5. An electronic device comprising: one or more processors; a memory for storing one or more computer programs; 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 1-3.

6. A computer readable storage medium having stored thereon a computer program or instructions, characterized in that, The computer program or instruction is executed by the processor to implement the steps of the method according to any one of claims 1-3.

7. A computer program product comprising computer programs or instructions, characterized in that, The computer program or instruction is executed by the processor to implement the steps of the method according to any one of claims 1-3. The computer program or instruction is executed by the processor to implement the steps of the method according to any one of claims 1-3.

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