Data processing method and device, computer equipment and storage medium

Abstract

The invention relates to a data processing method and device, computer equipment and a storage medium. And when it is monitored that the to-be-processed contract currently has a newly-added performance record and the to-be-processed contract does not complete performance, further identifying whether the newly-added performance record is a first-time performance record of the to-be-processed contract, and when the newly-added performance record is not the first-time performance record, updating the overdue duration of the to-be-processed contract according to the first-time performance record. When the overdue duration of the to-be-processed contract is updated, the fulfillment completion condition and the first fulfillment record of the to-be-processed contract are comprehensively considered, that is, not only is the overdue condition before the first fulfillment considered, but also the overdue condition after the first fulfillment is considered; therefore, automatic rollback of the overdue duration after the to-be-processed contract is partially fulfilled is avoided, the updated overdue duration of the to-be-processed contract is more accurate, the category of the to-be-processed contract is determined based on the updated overdue duration of the to-be-processed contract, and the real category level of the to-be-processed contract can be accurately reflected.

Description

Technical Field

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

[0002] In the financial industry, business operations need to be standardized in accordance with the requirements of regulatory agencies. Usually, in order to control operational risks and meet regulatory requirements, contracts that meet a certain number of overdue days need to be classified into five levels according to certain rules so that regulatory agencies can control their operational risks as a whole.

[0003] In the related art, contracts are generally classified into five categories based on the number of days overdue. In this process, if the contract is fully fulfilled after the expiration, the five-category classification of the contract will immediately return to normal. If the contract is partially fulfilled, the number of days overdue will automatically roll back, and the corresponding five-category classification will also roll back, which cannot reflect the true risk level of the contract. Summary of the invention

[0004] Provided are a data processing method, apparatus, computer device, and computer-readable storage medium.

[0005] In a first aspect, the present application provides a data processing method, comprising:

[0006] Monitoring the performance records of pending contracts, where the overdue duration of the pending contracts is greater than or equal to the overdue duration threshold;

[0007] If there is a newly added performance record for the pending contract, and the pending contract has not been fully performed, identifying whether the newly added performance record is the first performance record of the pending contract;

[0008] If the newly added performance record is not the first performance record of the pending contract, then the overdue duration of the pending contract is updated according to the first performance record;

[0009] The category of the pending contract is determined according to the updated overdue duration of the pending contract.

[0010] In a second aspect, the present application provides a data processing device, the device comprising:

[0011] A monitoring module, used to monitor the performance records of pending contracts, wherein the overdue duration of the pending contracts is greater than or equal to the overdue duration threshold;

[0012] an identification module, for identifying whether the newly added performance record is the first performance record of the pending contract if there is a newly added performance record for the pending contract and the pending contract has not been fully performed;

[0013] An updating module, configured to update the overdue duration of the pending contract according to the first performance record if the newly added performance record is not the first performance record of the pending contract;

[0014] The category determination module is used to determine the category of the pending contract according to the updated overdue duration of the pending contract.

[0015] In a third aspect, the present application provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above method when executing the computer program.

[0016] In a fourth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the steps of the above method when executed by a processor.

[0017] In a fifth aspect, the present application provides a computer program product, including a computer program, which implements the steps of the above method when executed by a processor.

[0018] It can be seen that in the embodiment of the present application, since it is monitored that there is a new performance record for the pending contract and the pending contract has not been completed, it is further identified whether the new performance record is the first performance record of the pending contract, and if it is not the first performance record, the overdue duration of the pending contract is updated according to the first performance record. Since when updating the overdue duration of the pending contract, the completion of the performance of the pending contract and the first performance record are comprehensively considered, that is, not only the overdue situation before the first performance is considered, but also the overdue situation after the first performance is considered, so that the overdue duration will not be automatically rolled back due to the partial performance of the pending contract, making the updated overdue duration of the pending contract more accurate, and then determining the category of the pending contract based on the updated overdue duration of the pending contract, which can accurately reflect the true category level of the pending contract, and therefore, can achieve accurate identification of the contract category. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the related technologies, the drawings required for use in the embodiments or the related technical descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0020] Figure 1 is a flow chart of a data processing method in one embodiment;

[0021] Figure 2A schematic diagram of a flow chart of a step of determining an overdue duration in an embodiment;

[0022] Figure 3 is a flow chart of a data processing method in another embodiment;

[0023] Figure 4 is a flowchart of a data processing method in yet another embodiment;

[0024] Figure 5 A schematic diagram of the principle of a data processing method in an embodiment;

[0025] Figure 6 A schematic diagram of a flow chart of a data processing method in yet another embodiment;

[0026] Figure 7 is a structural block diagram of a data processing device in one embodiment;

[0027] Figure 8 is an internal structure diagram of a computer device in one embodiment;

[0028] Fig. 9 FIG. 4 is a diagram showing the internal structure of a computer device in another embodiment. DETAILED DESCRIPTION

[0029] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0030] In one embodiment, Figure 1 As shown, a data processing method is provided. This embodiment takes the method applied to a computer device as an example for illustration. It can be understood that the computer device can be a terminal, a server, or a system device including a terminal and a server, and is implemented through the interaction between the terminal and the server. Among them, the terminal can be but is not limited to various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices. The server can be implemented as an independent server or a server cluster composed of multiple servers. In this embodiment, the method includes the following steps:

[0031] Step 102, monitoring the performance records of pending contracts.

[0032] Among them, the pending contracts may be contracts that need to be classified using the data processing method provided by this application. A contract is an agreement between civil subjects to establish, change, or terminate a civil legal relationship, specifically including but not limited to lease contracts, loan contracts, and loan contracts.

[0033] Specifically, pending contracts are overdue contracts extracted from the full contract data, which are overdue contracts with an overdue duration greater than or equal to the overdue duration threshold. An overdue contract refers to a contract in which the parties have failed to fulfill their obligations as agreed after exceeding the time specified in the contract. The overdue duration refers to the duration that exceeds the time specified in the contract, and the starting point of the duration is usually the last time point for completing the obligations specified in the contract. The overdue duration threshold is a pre-set duration condition for screening to obtain pending contracts, and its unit can be hours, days, weeks or months, etc. The full contract data refers to all contract data that need to be monitored, among which the full contract data can specifically include the contract identifier and the overdue duration corresponding to the contract identifier.

[0034] Performance records refer to records of parties' performance of contractual obligations, including records of performance of all contractual obligations and records of performance of part of contractual obligations. It is understandable that, since this embodiment monitors the performance records of pending contracts, and pending contracts are overdue contracts that meet certain conditions, the performance records do not include records of parties' normal performance of contractual obligations within the time specified in the contract, but rather records of performance of contractual obligations after the time specified in the contract has expired.

[0035] In this embodiment, the computer device can extract overdue contracts whose overdue duration is greater than or equal to the overdue duration threshold from the full contract data, treat them as pending contracts, and then monitor their performance records.

[0036] In one scenario, in order to facilitate centralized supervision of pending contracts, the computer device may also place the extracted pending contracts into a pending resource pool. The pending resource pool may be a storage space for storing pending contracts. Therefore, the computer device may monitor the performance records of pending contracts in the pending resource pool, and determine the category of pending contracts through subsequent steps, thereby accurately identifying the contract category. The contract category may include the risk category of the contract.

[0037] Step 104: If there is a newly added performance record for the pending contract and the pending contract has not been fully performed, then identify whether the newly added performance record is the first performance record of the pending contract.

[0038] Among them, the newly added performance record refers to the performance record added to the current monitoring result of the pending contract relative to the previous monitoring result. Usually, the process of monitoring the performance records of the pending contracts in the pending resource pool can be performed periodically or in real time, where the cycle can be hours, days, or weeks, etc. For example, if the cycle is days, the newly added performance record can be the performance record added to the current monitoring result of the pending contract relative to the monitoring result of the previous day. Current refers to the time point of this monitoring (such as today). The first performance record is the record of the first performance of the contractual obligations after the time specified in the contract has exceeded.

[0039] The unfinished performance of the pending contract can be a status of the pending contract that has not been fully performed, determined based on the current newly added performance record of the pending contract. Specifically, it can be determined based on whether all the contractual obligations that need to be performed by the pending contract have been performed. For example, when all the contractual obligations that need to be performed by the pending contract have been performed, the corresponding status is completed performance; when all the contractual obligations that need to be performed by the pending contract have not been performed, the corresponding status is incomplete performance.

[0040] Therefore, when there is a new performance record for a pending contract, its status may change. In addition, in traditional technology, if a contract is fully performed after the expiration date (i.e., the contract status is completed after the expiration date), the five-level classification of the contract will immediately return to normal. However, for partial performance (i.e., the contract status is not completed after the expiration date), the overdue days will automatically roll back, and the corresponding five-level classification will also roll back, which cannot reflect the true category of the contract, such as the true risk level of the contract.

[0041] Based on this, in this embodiment, the computer device, based on the monitoring results of the above steps, if it is determined that there is a new performance record for the pending contract, further identifies the current status of the pending contract; if the current status of the pending contract is incomplete performance, it identifies whether the new performance record is the first performance record of the pending contract, and performs different processing based on different identification results, thereby improving the accuracy of contract category identification.

[0042] Step 106: If the newly added performance record is not the first performance record of the pending contract, the overdue duration of the pending contract is updated according to the first performance record.

[0043] Specifically, the performance record may at least include the corresponding performance time point. Since the first performance record is the record of the first performance of the contractual obligations after the time specified in the contract has exceeded, in this embodiment, if the computer device determines that the current newly added performance record is not the first performance record of the pending contract, it means that the pending contract has been performed multiple times after the expiration date. Therefore, the first performance record of the pending contract can be determined based on the corresponding performance time point from the historical performance records of the pending contract (i.e., the records that have been performed multiple times after the expiration date), and then the overdue duration of the pending contract can be updated according to the first performance record of the pending contract to avoid the problem of the overdue duration automatically rolling back after the contract is performed.

[0044] Step 108, determining the category of the pending contract according to the updated overdue duration of the pending contract.

[0045] The categories may be various categories set based on the regulatory agency's standardization requirements, for example, different risk levels. Specifically, the computer device may determine the category of the pending contract according to the updated overdue duration of the pending contract.

[0046] In the above data processing method, by monitoring the performance records of pending contracts, if it is determined that there are new performance records for the pending contracts and the pending contracts have not been fully performed, it is identified whether the new performance records are the first performance records of the pending contracts, and if the new performance records are not the first performance records of the pending contracts, the overdue duration of the pending contracts is updated according to the first performance records of the pending contracts, and the category of the pending contracts is determined according to the updated overdue duration of the pending contracts. Since this embodiment further identifies whether the new performance records are the first performance records of the pending contracts when it is monitored that there are new performance records for the pending contracts and the pending contracts have not been fully performed, and if they are not the first performance records, the overdue duration of the pending contracts is updated according to the first performance records. When updating the overdue period of the pending contract, the fulfillment status and the first fulfillment record of the pending contract are comprehensively considered. The overdue period will not be automatically rolled back due to partial fulfillment of the pending contract. This makes the updated overdue period of the pending contract more accurate. Furthermore, the category of the pending contract is determined based on the updated overdue period of the pending contract, which can accurately reflect the true category level of the pending contract. Therefore, accurate identification of the contract category can be achieved.

[0047] In an exemplary embodiment, Figure 2 As shown, in step 106, updating the overdue duration of the pending contract according to the first performance record may specifically include:

[0048] Step 202, extracting the first fulfillment time point and the first overdue duration corresponding to the first fulfillment record.

[0049] Among them, the first performance time point may be the performance time point corresponding to the first performance record. Since the first performance record is the record of the first performance of the contractual obligation after the time specified in the contract has exceeded, the first performance time point is the performance time point when the contractual obligation is first performed after the time specified in the contract has exceeded.

[0050] The first overdue duration is the overdue duration of the pending contract corresponding to the first performance time point, that is, the duration of the pending contract from the beginning of the overdue to the first performance time point. Specifically, it is the duration from the last time point of fulfilling the obligation stipulated in the pending contract to the first performance time point when the pending contract first performs the contractual obligations after the time stipulated in the contract has exceeded. That is, the length of the time period from the beginning of the overdue to the first performance after the overdue.

[0051] In this embodiment, the computer device can extract the first performance time point corresponding to the first performance record based on the first performance record of the pending contract, and determine the first overdue duration corresponding to the first performance time point.

[0052] Step 204, determining the second fulfillment time point corresponding to the newly added fulfillment record.

[0053] Among them, the second performance time point can be the performance time point corresponding to the newly added performance record. Since the newly added performance record is the performance record added in the current monitoring result of the pending contract relative to the previous monitoring result. Therefore, the newly added performance record is the new performance record monitored during this monitoring process. Based on this, the second performance time point corresponding to the newly added performance record can also be the monitoring time point of this monitoring.

[0054] Step 206, updating the overdue duration of the pending contract according to the first fulfillment time point, the second fulfillment time point and the first overdue duration.

[0055] Since the first performance time point is the performance time point when the contract obligation is first performed after the time specified in the contract has exceeded, the second performance time point is the performance time point corresponding to the newly added performance record, and the first overdue duration is the length of the time period from the beginning of the overdue to the first performance after the overdue (i.e., the first performance time point), the computer device can update the overdue duration of the pending contract based on the first performance time point, the second performance time point, and the first overdue duration. It should be noted that the above-mentioned first performance time point, the second performance time point, and the first overdue duration are all for the time points and durations of the same pending contract at different stages.

[0056] In this embodiment, the computer device can determine the target duration according to the difference between the second performance time point and the first performance time point, and the first overdue duration, and update the overdue duration of the pending contract according to the target duration. Specifically, the computer device can calculate the difference between the second performance time point and the first performance time point, and then calculate the sum of the difference and the first overdue duration, and determine the sum as the target duration, and then update the overdue duration of the pending contract according to the target duration, that is, determine the target duration as the updated overdue duration of the pending contract.

[0057] In this embodiment, the computer device extracts the first performance time point and the first overdue duration corresponding to the first performance record, and determines the second performance time point corresponding to the newly added performance record, and updates the overdue duration of the pending contract according to the first performance time point, the second performance time point and the first overdue duration. Since the overdue duration of the pending contract after the update in this embodiment is the sum of the difference between the second performance time point and the first performance time point of the pending contract and the duration between the first overdue duration, it can avoid the problem of the overdue duration of the pending contract automatically rolling back after the overdue performance, so that the overdue duration of the pending contract after the update is more accurate.

[0058] In an exemplary embodiment, if it is determined that there is a new performance record for the pending contract and the pending contract has not been fully performed, the above method may also include: if the new performance record is identified as the first performance record of the pending contract, the category of the pending contract is determined according to the current overdue period of the pending contract.

[0059] Among them, the current overdue duration of the pending contract refers to the length of the time period from the beginning of the overdue of the pending contract to the monitoring time point of this monitoring.

[0060] Specifically, when this embodiment identifies that a newly added performance record is the first performance record of a pending contract, it can further obtain the current overdue duration of the pending contract, that is, obtain the length of the time period from the beginning of the overdue period to the monitoring time point of this monitoring as its current overdue duration, thereby avoiding the overdue duration of the pending contract to be rolled back after the overdue performance, and then determine the category of the pending contract based on the current overdue duration of the pending contract, thereby improving the accuracy of identifying the category of the contract to be processed.

[0061] In an exemplary embodiment, if it is determined that there is a newly added performance record for the pending contract and the pending contract has not been fully performed, the method may further include:

[0062] If the newly added performance record is the first performance record of the pending contract, the current time point shall be recorded as the first performance time point corresponding to the first performance record of the pending contract; and the current overdue period of the pending contract shall be obtained based on the first performance time point, and the current overdue period of the pending contract shall be recorded as the first overdue period corresponding to the first performance record of the pending contract.

[0063] Since the newly added performance record is the performance record added in the monitoring result of the pending contract relative to the previous monitoring result, the current performance time point of the newly added performance record can be the monitoring time point of this monitoring, that is, the current time point. And since the newly added performance record is the first performance record of the pending contract, in order to avoid the problem of the overdue period of the pending contract being rolled back after the overdue performance, when the computer device detects that the newly added performance record of the pending contract is the first performance record, it records the current time point as the first performance time point corresponding to the first performance record of the pending contract.

[0064] In addition, the computer device can also obtain the current overdue duration of the pending contract based on the first performance time point, that is, obtain the length of the time period from the beginning of the overdue period of the pending contract to the monitoring time point of this monitoring (that is, the current performance time point of the newly added performance record, that is, the current time point) as its current overdue duration, and record the current overdue duration of the pending contract as the first overdue duration corresponding to the first performance record of the pending contract.

[0065] In the above embodiment, when the computer device detects that the newly added performance record of the pending contract is the first performance record, the current time point is recorded as the first performance time point corresponding to the first performance record of the pending contract, and the current overdue duration of the pending contract is obtained according to the first performance time point, and the current overdue duration of the pending contract is recorded as the first overdue duration corresponding to the first performance record of the pending contract. By obtaining and recording the first performance time point of the first performance record of the pending contract and the corresponding first overdue duration, it is convenient to accurately update the overdue duration of the pending contract in the future, and avoid the problem of the overdue duration of the pending contract being rolled back after the overdue performance.

[0066] In an exemplary embodiment, after monitoring the execution records of pending contracts in the pending resource pool, the method further includes:

[0067] If it is determined that there is currently no new performance record for the pending contract and there is no historical performance record, the category of the pending contract is determined based on the second overdue period.

[0068] Among them, the newly added performance record is the performance record added in the current monitoring result of the pending contract relative to the previous monitoring result. The historical performance record is all the performance records of the pending contract after the expiration. The second overdue duration is the overdue duration of the pending contract corresponding to the current time point, and the current time point is the monitoring time point of this monitoring. Then the second overdue duration can be the length of the time period from the overdue of the pending contract to the monitoring time point of this monitoring.

[0069] Specifically, after the computer device monitors the performance records of the pending contracts in the pending resource pool, if it is determined that there is currently no new performance record of the pending contract and no historical performance record, it means that the pending contract has never been performed after the overdue period. Therefore, the category of the pending contract can be determined based on the second overdue period, that is, the overdue period of the pending contract corresponding to the current time point, so as to achieve accurate identification of the category of the contract to be processed.

[0070] In an exemplary embodiment, after monitoring the performance records of pending contracts in the pending resource pool, if it is determined that there is no new performance record for the pending contract at present, but there is a historical performance record, the overdue duration of the pending contract is updated according to the first performance record of the pending contract. Figure 3 As shown, the following steps are included:

[0071] Step 302: If it is determined that there is no new performance record for the pending contract at present, but there is a historical performance record, the first performance record of the pending contract is determined based on the historical performance record.

[0072] Among them, the newly added performance records are the performance records added in the current monitoring results of the pending contracts compared with the previous monitoring results. The historical performance records are all the performance records of the pending contracts after the expiration. The first performance records are the records of the first performance of the contractual obligations of the pending contracts after the expiration.

[0073] Specifically, after the computer device monitors the execution records of the pending contracts in the pending resource pool, if it is determined that there is no new execution record for the pending contract at present, but there is a historical execution record, it means that the pending contract has been executed after the expiration date. Therefore, the first execution record of the pending contract can be further determined from the historical execution record of the pending contract. The category of the pending contract is determined through subsequent steps, thereby realizing accurate identification of the contract category.

[0074] Step 304, extracting the first performance time point corresponding to the first performance record of the contract to be processed, and the first overdue duration corresponding to the first performance time point.

[0075] Among them, the first performance time point is the performance time point corresponding to the first performance record of the contract to be processed. Since the first performance record is the record of the first performance of the contractual obligations after the time specified in the contract has exceeded, the first performance time point is the performance time point when the contractual obligations are first performed after the time specified in the contract has exceeded.

[0076] The first overdue duration may be the original overdue duration of the pending contract, that is, the duration exceeding the time specified in the contract. Specifically, it is the duration starting from the last time point of fulfilling the obligation specified in the pending contract to the first time point of fulfilling the contract obligation for the first time after the time specified in the contract has exceeded. That is, the length of the time period from the beginning of the overdue to the first time of fulfillment after the overdue.

[0077] In this embodiment, the computer device can extract the first performance time point corresponding to the first performance record and the first overdue duration corresponding to the first performance time point based on the first performance record of the pending contract.

[0078] Step 306, updating the overdue duration of the pending contract according to the current time point, the first fulfillment time point and the first overdue duration.

[0079] The current time point refers to the monitoring time point of this monitoring. Specifically, the computer device can calculate the time difference between the current time point and the first performance time point corresponding to the first performance record after the pending contract is overdue, and calculate the sum of the time difference and the first overdue duration, and update the overdue duration of the pending contract based on the sum, that is, determine the sum as the overdue duration of the pending contract after the update.

[0080] Step 308, determining the category of the pending contract according to the updated overdue duration of the pending contract.

[0081] Specifically, the computer device may determine the category of the pending contract according to the overdue duration of the pending contract after it is updated.

[0082] In the above embodiment, if it is determined that there is no new performance record for the pending contract at present, but there is a historical performance record, the first performance record of the pending contract is determined based on the historical performance record, the first performance time point corresponding to the first performance record of the pending contract, and the first overdue duration corresponding to the first performance time point are extracted, the overdue duration of the pending contract is updated based on the current time point, the first performance time point and the first overdue duration, and the category of the pending contract is determined based on the updated overdue duration of the pending contract. Since this embodiment determines the current overdue duration of the pending contract based on the first performance record in the historical performance record when it is monitored that there is no new performance record for the pending contract at present, but there is a historical performance record, it can avoid the problem of the overdue duration automatically rolling back after the pending contract is performed, making the determined current overdue duration of the pending contract more accurate, and then determining the category of the pending contract based on the updated overdue duration of the pending contract, thereby achieving accurate identification of the contract category.

[0083] In an exemplary embodiment, after determining that there is a newly added performance record for the pending contract, the method further includes:

[0084] If the pending contract has been fulfilled, the category of the pending contract is updated according to the preset category.

[0085] Among them, completed performance is the state in which all contractual obligations to be performed by the pending contract have been performed. The preset category is the category set in advance for the pending contract. The pending contract and the pending contract can be the contract attributes divided based on whether the contractual obligations have been performed. Specifically, the pending contract is a contract in which all contractual obligations to be performed have not been performed and are overdue, and the pending contract is a contract in which all contractual obligations to be performed have been performed after the expiration date and need further observation.

[0086] The preset category may be a fixed category set in advance for the contract to be observed. In this embodiment, after the computer device monitors the performance records of the pending contracts in the pending resource pool, if it is determined that there is a new performance record for the pending contract and the pending contract has been completed, the category of the pending contract can be updated according to the preset category, that is, the preset category is used as the category of the pending contract, and the pending contract is determined to be a contract to be observed. This avoids the situation where the category of the contract immediately returns to normal after the contract is fully performed overdue, so as to improve the accuracy of contract category identification.

[0087] In an exemplary embodiment, Figure 4 As shown, if the pending contract has been fulfilled, the above method further includes:

[0088] Step 402: Determine that the contract to be processed is a contract to be observed.

[0089] Among them, contracts to be observed and contracts to be processed can be contract attributes divided based on whether the contract obligations have been fulfilled. Specifically, a pending contract is a contract where all contract obligations to be fulfilled have not been fulfilled and are overdue, and a contract to be observed is a contract where all contract obligations to be fulfilled have been fulfilled after the expiration date and further observation is required. In this embodiment, when the computer device determines that the pending contract has been fulfilled, it can monitor the pending contract as a pending contract for subsequent monitoring.

[0090] Step 404, recording the observation start time point of the contract to be observed.

[0091] The observation start time point may be the time point when the pending contract is determined as the contract to be observed. Specifically, when the computer device determines the pending contract as the contract to be observed, it may record the corresponding time point as the observation start time point of the contract to be observed.

[0092] Step 406, determining the observation duration of the contract to be observed according to the current time point and the observation start time point of the contract to be observed.

[0093] The current time point may be the current monitoring time point. The observation duration may be the duration of the contract to be observed, which is determined based on the current time point and the observation start time point of the contract to be observed. Specifically, the computer device may calculate the difference between the current time point and the observation start time point of the contract to be observed, and determine the difference as the observation duration of the contract to be observed.

[0094] Step 408: If the observation time reaches the observation time threshold, the category of the contract to be observed is updated to the target category.

[0095] Among them, the observation time threshold can be a pre-set life span of the observation contract, that is, the shortest duration that the observation contract needs to last. Specifically, when the computer device determines that the observation time of the observation contract reaches the observation time threshold, for example, when the observation time of the observation contract is equal to or greater than the observation time threshold, the category of the contract to be observed is updated to the target category, wherein the target category can be a pre-set category, for example, it can be a normal category. That is to say, when all contractual obligations that need to be fulfilled under a contract are overdue and fully fulfilled, it is necessary to enter the observation period, and only when the duration corresponding to the observation period (that is, the observation time threshold) is met, the category of the contract can be updated to the normal category, thereby avoiding the situation where the category of the contract immediately returns to normal after all the overdue performance, so as to improve the accuracy of contract category identification.

[0096] In an exemplary embodiment, the method may further include: if the observation duration reaches an observation duration threshold, moving the contract to be observed out of the resource pool to be processed.

[0097] Specifically, in this embodiment, when the computer device determines that the observation time of the contract to be observed reaches the observation time threshold, it means that the contract has returned to normal and there is no risk. Therefore, the contract to be observed can be moved out of the pending resource pool, which not only saves space in the pending resource pool, but also reduces the number of contracts monitored by the computer device, which is beneficial to improving the processing efficiency of the computer device.

[0098] In an exemplary embodiment, the above data processing method is further described by taking a loan contract as an example. Specifically, the following Table 1 is a five-level classification of contract categories set based on the standardization requirements of the regulatory agency, Table 1:

[0099] Overdue days Five-level classification Category Short Name 0 normal FQ01 1-60 focus on FQ02 61-90 Secondary FQ03 91-180 suspicious FQ04 181 and above loss FQ05

[0100] In this embodiment, Figure 5 As shown, when the computer device performs data processing, it first extracts overdue contracts with an overdue duration greater than or equal to the overdue duration threshold from the full contract data, puts them into the pending resource pool as pending contracts, and then monitors the performance records, contract status, etc. of the pending contracts in the pending resource pool. After the monitoring results are analyzed and calculated by the five-level classification calculation interface, the corresponding category is output. Among them, the overdue duration threshold can be set according to the actual scenario. For example, the overdue duration threshold can be set to 90 days (such as a loan contract that is overdue for 90 days and has not completed all repayments, then the loan contract is a pending contract), that is, only the overdue contracts with a category of FQ04 or above in the five-level classification are further monitored. The overdue duration threshold can also be set to 60 days or 1 day to further monitor overdue contracts that meet the corresponding rules, and this embodiment does not limit this.

[0101] Specifically, take the overdue time threshold as 90 days and the observation time threshold as 180 days as an example. Figure 6 As shown, the above data processing method may specifically include the following steps:

[0102] Step 602: extract overdue contracts whose overdue duration is greater than or equal to the overdue duration threshold from the full contract data as pending contracts, and put the pending contracts into a pending resource pool.

[0103] As shown in Table 2 below, the pending contract has at least a corresponding contract identifier (such as a contract number) and an overdue duration (such as the number of days overdue). It is understandable that the overdue duration can be the length of time corresponding to the time period from the overdue date to the current processing time of the pending contract. That is, overdue contracts with an overdue duration of more than 90 days are extracted from the full contract data as pending contracts, and are placed in the pending resource pool.

[0104] Table 2:

[0105] Contract No. Overdue days S111 100 S112 110

[0106] Step 604, monitor whether there is any new performance record of the pending contract in the pending resource pool.

[0107] Specifically, if it is monitored that there is a newly added fulfillment record for the pending contract in the pending resource pool, step 606 is executed; if it is monitored that there is no newly added fulfillment record for the pending contract in the pending resource pool, step 620 is executed.

[0108] Step 606, monitor whether the pending contract has not been fully fulfilled.

[0109] Specifically, if it is detected that there is a newly added fulfillment record of the pending contract in the pending resource pool, it is further detected whether the pending contract has not been fulfilled. If it is detected that the pending contract has not been fulfilled, step 608 is executed, and if it is detected that the pending contract has been fulfilled, step 626 is executed.

[0110] Step 608, identifying whether the newly added performance record is the first performance record of the contract to be processed.

[0111] Specifically, if it is monitored that the pending contract has not been fulfilled, it is further identified whether the newly added fulfillment record is the first fulfillment record of the pending contract. If it is identified that the newly added fulfillment record is not the first fulfillment record of the pending contract, step 610 is executed; if it is identified that the newly added fulfillment record is the first fulfillment record of the pending contract, step 618 is executed.

[0112] Step 610, obtain the first performance record of the pending contract, and extract the first performance time point and the first overdue duration corresponding to the first performance record.

[0113] Specifically, if it is identified that the newly added performance record is not the first performance record of the pending contract, the first performance record of the pending contract is obtained, and the first performance time point corresponding to the first performance record and the first overdue duration corresponding to the first performance time point are extracted.

[0114] Step 612, determining the second fulfillment time point corresponding to the newly added fulfillment record.

[0115] Among them, since the newly added fulfillment record is the newly added fulfillment record obtained by the current detection, the second fulfillment time point may also be the detection time point of the current detection.

[0116] Step 614, updating the overdue duration of the pending contract according to the first fulfillment time point, the second fulfillment time point and the first overdue duration.

[0117] That is, firstly, the difference between the second performance time point corresponding to the newly added performance record of the pending contract and the first performance time point corresponding to the first performance record after the pending contract is overdue is calculated, so as to obtain the corresponding difference duration. Then, the sum of the difference duration and the first overdue duration is calculated to obtain the corresponding duration sum, and the duration sum is determined as the overdue duration after the pending contract is updated.

[0118] Step 616, determining the category of the pending contract according to the updated overdue duration of the pending contract.

[0119] Specifically, the category of the pending contract can be determined based on the updated overdue duration of the pending contract and the five-level classification in Table 1. For example, if the current overdue duration of the pending contract determined above is 100 days, then based on Table 1, it can be known that the corresponding category is "suspicious", that is, "FQ04".

[0120] Step 618, record the relevant information of the first performance record of the pending contract, and determine the category of the pending contract based on the relevant information.

[0121] Specifically, if it is determined that there is a newly added performance record for the pending contract, and the pending contract has not been fully performed, and it is identified that the newly added performance record is the first performance record of the pending contract, then the current time point is recorded as the first performance time point corresponding to the first performance record of the pending contract, and the current overdue duration of the pending contract is obtained based on the first performance time point, and the current overdue duration of the pending contract is recorded as the first overdue duration corresponding to the first performance record of the pending contract. The relevant information is the first performance time point of the first performance record of the pending contract and the corresponding first overdue duration. In this embodiment, the category of the pending contract can also be determined based on the current overdue duration of the pending contract.

[0122] Step 620, identify whether there is any historical performance record for the contract to be processed.

[0123] If it is detected that there is no newly added execution record for the pending contract in the pending resource pool, it is further identified whether there is a historical execution record for the pending contract. Specifically, if it is identified that there is a historical execution record for the pending contract, step 622 is executed, and if it is identified that there is no historical execution record for the pending contract, step 624 is executed.

[0124] Step 622, determine the first performance record of the pending contract from the historical performance records, and determine the category of the pending contract based on the relevant information of the first performance record.

[0125] Specifically, if it is identified that a pending contract has a historical performance record, the first performance record of the pending contract is determined from the historical performance record, and the first performance time point corresponding to the first performance record of the pending contract and the first overdue period corresponding to the first performance time point are extracted; the overdue period of the pending contract is updated based on the current time point, the first performance time point and the first overdue period, and the category of the pending contract is determined based on the updated overdue period of the pending contract.

[0126] Step 624, determining the category of the contract to be processed according to the second overdue period.

[0127] Specifically, if it is identified that there is no new performance record for the pending contract at present, and there is no historical performance record, the category of the pending contract is determined according to the second overdue duration. The second overdue duration is the overdue duration of the pending contract corresponding to the current time point, that is, the duration from the last time point for completing the obligation stipulated in the pending contract to the current time point is taken as the overdue duration of the pending contract, and then the category of the pending contract can be determined according to the overdue duration of the pending contract.

[0128] Step 626, updating the category of the pending contract according to the preset category, and determining that the pending contract is a contract to be observed.

[0129] Specifically, if it is detected that there is a new performance record of the pending contract in the pending resource pool, and it is detected that the pending contract has been performed, the category of the pending contract can be updated according to the preset category, and the pending contract can be determined as a pending contract.

[0130] Step 628, recording the observation start time point of the contract to be observed.

[0131] Specifically, after determining that the pending contract is a contract to be observed, the observation start time point of the contract to be observed may also be recorded, wherein the observation start time point is the time point when the pending contract is determined to be a contract to be observed.

[0132] Step 630, monitoring the observation time of the contract to be observed.

[0133] Specifically, the observation duration may be calculated based on the current monitoring time point and the observation start time point.

[0134] Step 632, determining whether the observation time of the contract to be observed reaches the observation time threshold.

[0135] Specifically, if the observation time of the contract to be observed reaches the observation time threshold, that is, the observation time of the contract to be observed is greater than or equal to the observation time threshold, step 634 is executed; if the observation time of the contract to be observed does not reach the observation time threshold, that is, the observation time of the contract to be observed is less than the observation time threshold, return to step 630 to continue monitoring.

[0136] Step 634: Update the category of the contract to be observed to the target category, and remove the contract to be observed from the resource pool to be processed.

[0137] The target category may be the "normal" category in the five-level classification in Table 1, i.e., FQ01. Specifically, if the observation duration of the contract to be observed is greater than or equal to the observation duration threshold, the category of the contract to be observed is updated to the target category, and the contract to be observed is removed from the pending resource pool.

[0138] In the above embodiment, by setting a resource pool to be processed and automatically and dynamically monitoring the resource pool to be processed, it is possible to accurately identify the contract category and avoid losses caused by incorrect identification of the contract category.

[0139] Among them, the following table 3 shows the pending contracts with new performance records that have been monitored. By comparing the overdue amount of the day with the overdue amount of yesterday, it can be seen that there are new performance records. As shown in the following table 3, the pending contract with contract number S111 has been fulfilled, which means that the loan of the contract has been fully settled after the repayment after the contract is overdue. Therefore, it can be determined that the pending contract S111 is a contract to be observed, and its category can be modified to a preset category (such as FQ03), and the observation start time point (i.e., the lock date) of the contract to be observed can be recorded. Subsequently, the observation time of contract S111 can be monitored based on the observation start time point. When the observation time reaches the observation time threshold, such as 180 days, contract S111 is removed from the pending resource pool and its status is modified to the target status, such as FQ01.

[0140] As shown in Table 3 below, the pending contract with contract number S112 has not yet been fulfilled, indicating that the loan of contract S112 has not been settled after this repayment after it is overdue. Therefore, it is further identified whether this repayment is the first repayment (i.e., the first fulfillment record) of the pending contract S112 after it is overdue. If it is determined to be the first repayment, the corresponding relevant information is recorded, such as the first fulfillment time point of the first repayment (i.e., the lock date 2023-08-20) and the corresponding first overdue duration (such as the overdue days 110 corresponding to the lock date). The category of pending contract S112 can also be determined based on the first overdue duration of pending contract S112 (such as the overdue days 110 corresponding to the lock date). From the above five-level classification, it can be seen that the category corresponding to the overdue days 110 is FQ04, which is the updated category of pending contract S112.

[0141] As shown in Table 3 below, the pending contract with contract number S113 is not yet fully performed, which means that after the contract S113 is overdue, its loan has not been settled after this repayment. Therefore, it is further identified whether this repayment is the first repayment (i.e., the first performance record) of the pending contract S113 after it is overdue. If it is determined that it is not the first repayment, the first performance record (i.e., the first repayment record) of the pending contract S113 is obtained, and the first performance time point corresponding to the first repayment (i.e., the lock date 20 23-07-20) and the first overdue duration (such as 115 overdue days), and determine the second performance time point corresponding to the current new repayment (that is, the current detection time point 20230820), and then update the overdue duration of the pending contract S113, that is, calculate the difference between the detection time point and the corresponding lock date (such as 31 days), and then calculate the difference and the first overdue duration 115, that is, the updated overdue duration of the pending contract S113 is 146 days. Then, the corresponding category can be determined according to the updated overdue duration of the pending contract S113. From the above five-level classification, it can be seen that the category corresponding to the overdue days 146 is FQ04, which is the updated category of the pending contract S113.

[0142] Table 3:

[0143] Contract No. Overdue days Lock date Contract Status Overdue amount on that day Yesterday's overdue amount Detection time point S111 100 2023-08-20 Completed 0 100 20230820 S112 110 2023-08-20 Unfinished 100 200 20230820 S113 115 2023-07-20 Unfinished 300 500 20230820

[0144] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0145] Based on the same inventive concept, the embodiment of the present application also provides a data processing device for implementing the data processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in the one or more data processing device embodiments provided below can refer to the limitations on the data processing method above, and will not be repeated here.

[0146] In an exemplary embodiment, Figure 7As shown, a data processing device is provided, including: a monitoring module 702, an identification module 704, an updating module 706 and a category determination module 708, wherein:

[0147] Monitoring module 702, used to monitor the performance record of pending contracts, where the overdue duration of the pending contracts is greater than or equal to the overdue duration threshold;

[0148] An identification module 704 is used to identify whether the newly added performance record is the first performance record of the pending contract if there is a newly added performance record of the pending contract and the pending contract has not been fully performed;

[0149] An updating module 706, configured to update the overdue duration of the pending contract according to the first performance record if the newly added performance record is not the first performance record of the pending contract;

[0150] The category determination module 708 is used to determine the category of the pending contract according to the updated overdue duration of the pending contract.

[0151] In an exemplary embodiment, the update module is also used to: extract the first performance time point and the first overdue duration corresponding to the first performance record, the first overdue duration being the overdue duration of the pending contract corresponding to the first performance time point; determine the second performance time point corresponding to the newly added performance record; and update the overdue duration of the pending contract based on the first performance time point, the second performance time point and the first overdue duration.

[0152] In an exemplary embodiment, the update module is also used to: determine the target duration based on the difference between the second fulfillment time point and the first fulfillment time point and the first overdue duration; and update the overdue duration of the pending contract based on the target duration.

[0153] In an exemplary embodiment, the category determination module is also used to: if the newly added performance record is the first performance record of the pending contract, determine the category of the pending contract according to the current overdue duration of the pending contract.

[0154] In an exemplary embodiment, the above-mentioned data processing device also includes a recording module, which is used to: if the newly added performance record is the first performance record of the pending contract, then record the current time point as the first performance time point corresponding to the first performance record of the pending contract; determine the overdue period of the pending contract based on the first performance time point, and record the overdue period of the pending contract as the first overdue period corresponding to the first performance record of the pending contract.

[0155] In an exemplary embodiment, the category determination module is further used to: if the pending contract has been fulfilled, update the category of the pending contract according to a preset category, where the preset category is a category pre-set for the contract to be observed.

[0156] In an exemplary embodiment, the category determination module is also used to: determine that the pending contract is a contract to be observed; record the observation start time point of the contract to be observed, the observation start time point being the time point when the pending contract is determined to be a contract to be observed; determine the observation duration of the contract to be observed based on the current monitoring time point and the observation start time point of the contract to be observed; if the observation duration reaches an observation duration threshold, update the category of the contract to be observed to the target category.

[0157] In an exemplary embodiment, the data processing device further includes a deletion module, which is used to remove the contract to be observed from the resource pool to be processed if the observation time reaches an observation time threshold.

[0158] In an exemplary embodiment, the category determination module is also used to: if there is currently no new performance record for the pending contract and no historical performance record, then determine the category of the pending contract based on the second overdue period, and the second overdue period is the overdue period of the pending contract corresponding to the current time point.

[0159] In an exemplary embodiment, the category determination module is also used to: if it is determined that there is no new performance record for the pending contract at present, but there is a historical performance record, then update the overdue duration of the pending contract according to the first performance record of the pending contract.

[0160] Each module in the above data processing device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0161] In an exemplary embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as shown in FIG. Figure 8As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. Among them, the processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store full contract data. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a data processing method is implemented.

[0162] In an exemplary embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as shown in FIG. Fig. 9 As shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit and an input device. Among them, the processor, the memory and the input / output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a data processing method is implemented. The display unit of the computer device is used to form a visually visible picture, which can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad set on the computer device shell, or an external keyboard, touchpad or mouse.

[0163] Those skilled in the art will understand that Figure 8 , Fig. 9The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0164] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps of the above data processing method when executing the computer program.

[0165] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned data processing method are implemented.

[0166] In one embodiment, a computer program product is provided, comprising a computer program, which implements the steps of the above data processing method when executed by a processor.

[0167] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0168] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0169] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0170] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be construed as limiting the scope of the present application. It should be noted that, for a person of ordinary skill in the art, several modifications and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A data processing method, It is characterized in that The method comprises: Monitoring the performance records of pending contracts, where the overdue duration of the pending contracts is greater than or equal to the overdue duration threshold; If there is a newly added performance record for the pending contract, and the pending contract has not been fully performed, identifying whether the newly added performance record is the first performance record of the pending contract; If the newly added performance record is not the first performance record of the pending contract, then the overdue duration of the pending contract is updated according to the first performance record; The category of the pending contract is determined according to the updated overdue duration of the pending contract.

2. The method according to claim 1, It is characterized in that The updating of the overdue duration of the pending contract according to the first performance record includes: Extracting the first performance time point and the first overdue duration corresponding to the first performance record, where the first overdue duration is the overdue duration of the pending contract corresponding to the first performance time point; Determining a second fulfillment time point corresponding to the newly added fulfillment record; The overdue duration of the pending contract is updated according to the first fulfillment time point, the second fulfillment time point and the first overdue duration.

3. The method according to claim 2, It is characterized in that The updating of the overdue duration of the pending contract according to the first performance time point, the second performance time point, and the first overdue duration includes: Determine a target duration according to the difference between the second performance time point and the first performance time point and the first overdue duration; The overdue duration of the pending contract is updated according to the target duration.

4. The method according to claim 1, It is characterized in that The method further comprises: If the newly added performance record is the first performance record of the pending contract, the category of the pending contract is determined according to the current overdue duration of the pending contract.

5. The method according to claim 1, It is characterized in that The method further comprises: If the pending contract has been completed, The category of the pending contract is updated according to a preset category, where the preset category is a category pre-set for the pending contract.

6. The method according to any one of claims 1 to 5, It is characterized in that The method further comprises: If there is currently no new performance record for the pending contract and no historical performance record, the category of the pending contract is determined based on the second overdue period, where the second overdue period is the overdue period of the pending contract corresponding to the current time point.

7. The method according to any one of claims 1 to 5, It is characterized in that The method further comprises: If it is determined that there is no new performance record for the pending contract at present, but there is a historical performance record, the overdue duration of the pending contract is updated according to the first performance record of the pending contract.

8. A data processing device, It is characterized in that The device comprises: A monitoring module, used to monitor the performance records of pending contracts, wherein the overdue duration of the pending contracts is greater than or equal to the overdue duration threshold; an identification module, for identifying whether the newly added performance record is the first performance record of the pending contract if there is a newly added performance record for the pending contract and the pending contract has not been fully performed; An updating module, configured to update the overdue duration of the pending contract according to the first performance record if the newly added performance record is not the first performance record of the pending contract; The category determination module is used to determine the category of the pending contract according to the updated overdue duration of the pending contract.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program. It is characterized in that When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, It is characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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