Asset processing method, equipment, medium and program product

Abstract

The invention discloses an asset processing method and device, a medium and a program product, and relates to the field of financial science and technology, and the method comprises the steps: obtaining a processing parameter of a to-be-processed request, a corresponding relation between a processing type and processing weight information, and account information corresponding to the processing request; determining a current processing state of the account according to the total processing record of the account, and determining a target processing type of the account according to the current processing state, the processing type and a corresponding relation between the processing type and processing weight information; and determining a target processing mechanism according to the account type, and sending the target processing type, the user information and the processing amount to the target processing mechanism, so that the target processing mechanism processes an account corresponding to the user information according to the target processing type and the processing amount. According to the method provided by the invention, the situation that a worker visits an institution of a related account of the user on site is avoided, the workload and the working time of the worker are reduced, and thus the efficiency of user asset processing is improved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to an asset processing method, device, medium and program product. Background Technology

[0002] After a user engages in illegal or risky activities, the relevant authorities need to take action against all of the user's financial accounts, such as freezing the funds in those accounts.

[0003] Currently, the main method involves staff from relevant agencies carrying a large number of documents to conduct on-site visits to the agencies responsible for the user's accounts in order to complete the processing of the user's accounts.

[0004] However, the process requires staff to conduct on-site visits to the relevant institutions to process user accounts, which greatly increases the workload of staff and is time-consuming, resulting in low efficiency in processing user assets. Summary of the Invention

[0005] This application provides an asset processing method, device, medium, and program product to solve the problem that in the prior art, staff need to conduct on-site visits to institutions with relevant user accounts to complete the processing of user accounts, which greatly increases the workload of staff and takes a long time, resulting in low efficiency in user asset processing.

[0006] In a first aspect, this application provides an asset processing method, the method comprising:

[0007] Obtain the correspondence between the processing parameters, processing type, and processing weight information of the request to be processed, as well as the account information corresponding to the processing request; wherein, the processing parameters include the processing type and processing amount, and the account information includes user information, the total processing records of the account, and the account type;

[0008] The current processing status of the account is determined based on the total processing records of the account, and the target processing type of the account is determined based on the current processing status, the processing type, and the correspondence between the processing type and the processing weight information.

[0009] The target processing agency is determined based on the account type, and the target processing type, the user information, and the processing amount are sent to the target processing agency so that the target processing agency processes the account corresponding to the user information according to the target processing type and the processing amount.

[0010] Secondly, this application provides an asset processing apparatus, comprising:

[0011] The acquisition module is used to acquire the correspondence between the processing parameters, processing type and processing weight information of the request to be processed, as well as the account information corresponding to the processing request; wherein, the processing parameters include the processing type and processing amount, and the account information includes user information, the total processing records of the account and the account type;

[0012] The determination module is used to determine the current processing status of the account based on the total processing records of the account, and to determine the target processing type of the account based on the current processing status, the processing type, and the correspondence between the processing type and the processing weight information.

[0013] The sending module is used to determine the target processing agency based on the account type, and send the target processing type, the user information, and the processing amount to the target processing agency, so that the target processing agency processes the account corresponding to the user information according to the target processing type and the processing amount.

[0014] Thirdly, this application provides an electronic device including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the asset processing method as described in the first aspect of this application.

[0015] Fourthly, this application also provides a computer-readable storage medium having a computer program stored thereon that, when executed by a processor, implements the asset processing method as described in the first aspect of this application.

[0016] Fifthly, this application provides a computer program product, including a computer program that, when executed by a processor, implements the asset processing method as described in the first aspect of this application.

[0017] The proposed solution obtains the correspondence between processing parameters, processing type, and processing weight information of the pending request, as well as the account information corresponding to the processing request. The processing parameters include the processing type and processing amount, and the account information includes user information, the account's total processing records, and the account type. Based on the account's total processing records, the current processing status of the account is determined, and the target processing type for the account is determined based on the current processing status, processing type, and the correspondence between processing type and processing weight information. The target processing institution is determined based on the account type, and the target processing type, user information, and processing amount are sent to the target processing institution so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. In other words, the method of this application, based on the information of the pending request and the account information, determines the target processing institution and sends the method for processing the asset to the target processing institution, so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. This avoids the need for staff to conduct on-site visits to the relevant institutions of the user's account, reducing the workload and time spent by staff, thereby improving the efficiency of user asset processing. Attached Figure Description

[0018] To more clearly illustrate the technical solutions of this application, the accompanying drawings used in the embodiments will be briefly introduced below. It should be understood that the following drawings only show some embodiments of this application and should not be regarded as a limitation of the scope. For those skilled in the art, other related drawings can be obtained based on these drawings without creative effort.

[0019] Figure 1 This is a flowchart illustrating the asset processing method provided in this application;

[0020] Figure 2a This is another flowchart illustrating the asset processing method provided in this application;

[0021] Figure 2b This is an example image of an asset processing application page for the asset processing method provided in this application;

[0022] Figure 2c This is an example image of an asset processing review page for the asset processing method provided in this application;

[0023] Figure 2d This is an example image of an asset processing freeze and transfer page for the asset processing method provided in this application;

[0024] Figure 2e This is an example image of an asset processing newly added freeze page provided in this application;

[0025] Figure 2fThis is an example diagram of the new asset allocation page for the asset processing method provided in this application;

[0026] Figure 3 This is a structural schematic diagram of the asset processing device provided in this application;

[0027] Figure 4 This is a schematic diagram of the electronic device provided in this application. Detailed Implementation

[0028] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0029] The acquisition, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0030] Figure 1 This is a flowchart illustrating an asset processing method provided in this application. This method can be executed by an asset processing device, which can be implemented using software and / or hardware. In a specific embodiment, the device can be applied to an electronic device, which can be a computer. The following embodiments will illustrate this using the application of the device in an electronic device as an example. Figure 1 The method may specifically include the following steps:

[0031] Step 101: Obtain the correspondence between the processing parameters, processing type and processing weight information of the request to be processed, as well as the account information corresponding to the processing request.

[0032] The processing parameters include the processing type and the processing amount, and the account information includes user information, the account's total processing records, and the account type.

[0033] Specifically, processing types include operations such as querying, freezing, and deducting. The processing amount is the maximum execution amount requested in the pending request, such as the amount involved in a dispute concerning a user. The correspondence between processing types and processing weight information is a preset weight level for each processing type. For example, the correspondence between processing types and processing weight information is that query operations have a lower weight, while freezing and deduction operations have higher weights because they have a greater impact on the user's account. Alternatively, the larger the requested amount, the higher the weight, because the scale of funds involved is larger. Or, the higher the administrative level of the requesting department, the higher the weight of the request. Account information refers to the user's account, including user information such as the user's identity identifier. The total processing record of the account is a record of all asset processing records for the user, including historical queries, historical freezes, and historical deductions. Account types include corporate accounts and personal accounts under various financial institutions, such as user A's accounts at bank a and bank b. Each processing request is associated with a specific user's account, and all related account information can be queried through the user's identity identifier. The processing type and processing amount are operations performed on the user's account. The weight information of the request to be processed is determined based on the correspondence between the processing parameters, processing type, and processing weight information. For example, the weight information corresponding to the request to be processed is determined based on the status weight information, amount weight information, and requester weight information. For instance, the weight information corresponding to the status weight information, amount weight information, and requester weight information of the request to be processed is weighted and averaged to obtain the weight information corresponding to the request to be processed.

[0034] For example, the processing parameters in the processing request are: processing type: freeze; processing amount: z ten thousand yuan; corresponding account information includes user identification number 123456789, name: xx, account type: personal account, and the account's total processing records are historical query operation records. Among these, the freeze operation has a higher weight than the query operation.

[0035] Step 102: Determine the current processing status of the account based on the total processing records of the account, and determine the target processing type of the account based on the current processing status, processing type, and the correspondence between processing type and processing weight information.

[0036] Specifically, the current processing status of an account can be determined through its overall processing history. This history includes historical query records, historical freeze records, and historical deduction records. Historical freeze records document all account freeze operations, including the frozen amount, freeze period, and freeze status (valid or invalid). Historical deduction records document all account deduction operations, including the deducted amount and time. By analyzing the overall processing history, the current status of the account can be determined, such as whether the account has been frozen, the frozen amount and duration, any outstanding deductions, and the account's current available balance.

[0037] Based on the account's current processing status and processing weight information, the target processing type for the account can be determined. For example, querying the account's current processing status checks if the account is frozen, the frozen amount and duration, any outstanding deductions, and the account's available balance. The target processing type is determined based on the current processing status and processing weight information. If the account is not frozen, the target processing type is determined to be the processing type of the pending request. If the account is frozen, the current processing status and the weight information of the pending request are determined, and the target processing type is determined based on both.

[0038] For example, if the weight of the applicant in the current processing state is the same as the weight of the applicant in the pending request, and the weight of the current processing state is greater than the weight of the pending request, then the target processing type for the account is determined to be the current processing state. If the weight of the current processing state is less than or equal to the weight of the pending request, then the processing state for the pending request is determined to be the current processing state. Similarly, if the weight of the applicant in the current processing state is greater than the weight of the applicant in the pending request, then the target processing type for the account is determined to be the current processing state. If the weight of the applicant in the current processing state is less than the weight of the applicant in the pending request, then the target processing type for the account is determined to be the pending request. Through these steps, the target processing type for the account can be determined based on its current processing state and processing weight information. This helps to efficiently and accurately execute various financial disposal operations, ensuring the smooth progress of asset processing.

[0039] Optionally, determining the target processing type of an account based on the current processing status, processing type, and the correspondence between processing type and processing weight information can be achieved through steps 1021 to 1023.

[0040] Step 1021: Obtain the weight information corresponding to the current processing state.

[0041] Specifically, the weight information corresponding to the current processing status can be obtained by querying the account's total processing records to obtain information such as whether the account has been frozen, the frozen amount, the freeze period, the freeze status, the available balance, and historical processing records. Then, based on the account's current processing status, the weight information corresponding to the current processing status can be determined. For example, the weight information corresponding to the current processing status can be determined based on the status weight information, the amount weight information, and the applicant weight information. As an example, the weighted average of the status weight information, the amount weight information, and the applicant weight information corresponding to the current processing status can be used to obtain the weight information corresponding to the current processing status.

[0042] Step 1022: Determine the weight information of the processing type based on the processing type and the correspondence between the processing type and the processing weight information.

[0043] Specifically, based on the impact of different types of processing operations on the user's account, a correspondence between processing types and processing weight information can be established. The weight information for each processing type is then determined based on the processing type and the correspondence between processing types and processing weight information.

[0044] Step 1023: Determine the target processing type for the account based on the weight information corresponding to the current processing status and the weight information of the processing type.

[0045] For example, a weighted average is taken of the status weight information, amount weight information, and applicant weight information corresponding to the current processing status to obtain the weight information corresponding to the current processing status. Similarly, a weighted average is taken of the status weight information, amount weight information, and applicant weight information corresponding to the pending request to obtain the weight information corresponding to the pending request. Based on the weight information corresponding to the current processing status and the weight information corresponding to the pending request, the target processing type for the account can be determined. This helps to efficiently and accurately execute various financial disposal operations, ensuring the smooth progress of asset processing.

[0046] Step 103: Determine the target processing agency based on the account type, and send the target processing type, user information, and processing amount to the target processing agency so that the target processing agency can process the account corresponding to the user information according to the target processing type and processing amount.

[0047] Specifically, account types can be divided into corporate accounts and personal accounts. Corporate accounts are typically opened by enterprises or institutions, with the target processing institution being the corresponding commercial bank or financial institution. Personal accounts are typically opened by individuals, with the target processing institution being a commercial bank or financial institution. Based on the account type, the corresponding target processing institution is identified and selected. After determining the target processing type based on the current processing status and the weight information of the processing type, the target processing type may include, for example, inquiry, freezing, deduction, unfreezing, or extension of freezing. The processing amount is based on the maximum amount requested or the actual amount to be processed. The target processing type, user information, and processing amount are sent to the target processing institution. Upon receiving the information, the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. For example, freezing all the funds in the account corresponding to the user information. Through the above process, by identifying the target processing institution and sending relevant information to it, the smooth execution of financial processing operations is ensured.

[0048] For example, Figure 2d This is an example image of an asset processing freeze and transfer page provided in this application. When executing the target processing type, the page displays as follows: Figure 2d As shown, after entering the authorization code and verifying its correctness, the page displays different account information under different target execution agencies. As shown in the figure, the user corresponding to this account information has eight types of assets: the frozen amount applied for by Department C, the frozen amount applied for by Department D, the user's current deposits, large-denomination certificates of deposit, and wealth management projects in Bank A, and the user's current deposits, large-denomination certificates of deposit, and wealth management projects in Bank B. If it is necessary to freeze the user's current deposits in Bank A, the information regarding the freeze, the user's information, and the frozen amount will be sent to Bank A so that Bank A can freeze the current deposit account corresponding to the user's information according to the frozen amount.

[0049] Optionally, the processing parameters also include the processing period. Sending the target processing type, user information, and processing amount to the target processing agency so that the target processing agency can process the account corresponding to the user information according to the target processing type and processing amount can be achieved through step 31.

[0050] Step 31: Send the target processing type, user information, processing amount, and processing period to the target processing agency so that the target processing agency can process the account corresponding to the user information according to the target processing type and processing amount within the processing period.

[0051] Specifically, the target processing institution is identified based on the account type. The processing period specifies the effective or completion deadline of the operation. For example, the freeze period might be 3 months, and the deduction operation may need to be completed before a specific date. The target processing type, user information, processing amount, and processing period are integrated into a single processing request, which is sent to the target processing institution via a secure communication channel. Upon receiving the processing request, the target processing institution verifies the completeness and accuracy of the information and processes the account corresponding to the user information according to the target processing type, user information, processing amount, and processing period. Ensuring the operation is completed within the processing period satisfies judicial or administrative enforcement requirements. Sending the target processing type, user information, processing amount, and processing period to the target processing institution enables the institution to complete the corresponding asset processing operation within the stipulated time, ensuring the accuracy and timeliness of the processing request.

[0052] Optionally, the account type includes multiple sub-accounts and multiple parent accounts, and the target processing institution can be determined according to the account type through step 32.

[0053] Step 32: Determine the target processing agency based on the processing agencies corresponding to the multiple sub-accounts and the multiple parent accounts.

[0054] Specifically, the parent account is typically the master account and may contain multiple sub-accounts. Sub-accounts are specific accounts subordinate to the parent account, and each sub-account may correspond to a different processing institution. Each account has a corresponding processing institution, which may be different financial institutions or departments. For each sub-account and parent account, its corresponding processing institution is identified. This information may be pre-stored in the electronic device executing this embodiment, or the electronic device may dynamically obtain it through an interface with a financial institution. Based on the processing institutions of all sub-accounts and the parent account, the final target processing institution is determined. This can be determined according to priority rules, such as setting priority rules based on account type or processing type. For example, certain types of accounts can be processed first. If multiple sub-accounts and the parent account have the same processing institution, the processing requests for these accounts can be merged and sent to the same processing institution. If the sub-accounts and the parent account have different processing institutions, processing requests need to be sent to different processing institutions separately. The final target processing institution determined according to the above steps may be one processing institution or multiple processing institutions, depending on the distribution of accounts and processing needs. The above process can efficiently handle complex situations involving multiple sub-accounts and multiple parent accounts, ensuring that processing requests for each account are accurately sent to the corresponding target processing agency and completed within the specified time.

[0055] Optionally, after performing step 103, step 1031 can also be performed.

[0056] Step 1031: Receive the processing information returned by the target processing agency and display the processing information.

[0057] Specifically, processing information is received through a communication interface with the target processing agency. This information may include the processing result (success or failure status), processing details such as specific operation results (e.g., frozen amount, deducted amount, query results), error information (e.g., the reason for error returned when processing fails), and the timestamp of operation completion, account balance, and available credit. The received processing information is verified to ensure its integrity and accuracy. This includes checking if the returned data format meets expectations, verifying if the processing result matches the request, and checking for errors or anomalies. The processing information is stored in a database for later querying and auditing. Stored information includes processing results, processing details, error messages, and processing time. The processing information is then displayed to users (e.g., the executor or approver) in a user interface in the form of tables, lists, or cards. Alternatively, the processing results can be notified to relevant users via SMS or email. The processing information can also be logged for later review and querying. A query function can be provided, allowing users to search for processing information based on different criteria. Query results can be displayed in detailed or summary views. Through the above process, the processing information returned by the target processing agency can be received, verified, stored and displayed efficiently, ensuring that users can understand the processing results in a timely manner and perform subsequent operations.

[0058] For example, Figure 2e This is an example image of the newly added freeze page for the asset processing method provided in this application. Figure 2f This is an example diagram of the new asset allocation page for the asset processing method provided in this application. (Example image follows) Figure 2e As shown, the newly added freeze interface displays bank information, current deposit account information, execution application department information, remaining amount information, frozen amount information, freeze time information, and result information. Figure 2f As shown, the new transfer interface displays bank information, current deposit account information, remaining amount information, transfer amount information, recipient account information, and result information.

[0059] Optionally, after performing step 103, step 1032 can also be performed.

[0060] Step 1032: Send a processing notification to the user device corresponding to the user information.

[0061] The processing notification includes the processing type and the processing amount.

[0062] Specifically, the corresponding user device is determined based on user information. This device may include a mobile phone, tablet, computer, etc. Specific device information may be pre-stored or obtained by sending information to the target enforcement agency. The user is notified of the type of operation, such as inquiry, freezing, deduction, unfreezing, or extended freezing. The specific amount involved, processing time, processing agency, and reason for the operation are also notified. Notification methods may include SMS, email, in-app notifications, and instant messaging notifications. Through this process, processing notifications can be sent promptly and accurately to the user device corresponding to the user information, ensuring that the user is aware of the account's processing status in a timely manner.

[0063] The proposed solution obtains the correspondence between processing parameters, processing type, and processing weight information of the pending request, as well as the account information corresponding to the processing request. The processing parameters include the processing type and processing amount, and the account information includes user information, the account's total processing records, and the account type. Based on the account's total processing records, the current processing status of the account is determined, and the target processing type for the account is determined based on the current processing status, processing type, and the correspondence between processing type and processing weight information. The target processing institution is determined based on the account type, and the target processing type, user information, and processing amount are sent to the target processing institution so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. In other words, the method of this application, based on the information of the pending request and the account information, determines the target processing institution and sends the method for processing the asset to the target processing institution, so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. This avoids the need for staff to conduct on-site visits to the relevant institutions of the user's account, reducing the workload and time spent by staff, thereby improving the efficiency of user asset processing.

[0064] Figure 2a This is another schematic diagram of the asset processing method provided in this application. This embodiment is... Figure 1 Based on the illustrated embodiments and various optional implementation schemes, the steps preceding the acquisition of the processing parameters, processing type, and processing weight information of the request to be processed, as well as the account information corresponding to the processing request, are described in detail. For example... Figure 2a As shown, the method may include the following steps:

[0065] Step 201: Receive the application documents and pending document information sent by the target application device.

[0066] The application documents include application permit information and application information.

[0067] Specifically, the application permission information is the information returned to the target application device by the electronic device executing this embodiment after reviewing the target application device's permissions. For example, the application permission information may be a permission code. The application information includes the applicant's basic information, such as identification number, application type, application amount, application period, and application department. The electronic device executing this embodiment receives the application information through a communication interface with the target application device. The target application device can be any device capable of initiating an application, such as a computer or mobile device. The received application information is verified to ensure its completeness and accuracy. Verification may include format checks, information integrity checks, and verification of consistency with previously sent permission codes. Files to be processed include application-related documents, such as execution documents and authorization documents. These files may be sent in electronic document format, such as PDF or Word documents. File information to be processed is received through a communication interface connected to the target application device. The file information may be sent via a file upload function. The received file information is verified to ensure its completeness and validity. Verification may include file format checks and file content integrity checks. The received application information is stored in a database for subsequent processing and retrieval. Received file information is stored on a file server or database to ensure file security and accessibility. Application information is associated with corresponding file information for quick retrieval and use in subsequent processing. After successfully receiving the application and file information, a confirmation message is sent to the target application device to inform the applicant that the information has been successfully received. The reception status is recorded, including the reception time and receiving device information, for subsequent auditing and querying.

[0068] For example, Figure 2b This is an example image of an asset processing application page for the asset processing method provided in this application, such as... Figure 2b As shown, after the applicant, i.e., the staff member, submits an application through the application page on the target application device, the electronic device executing this application embodiment receives the application documents and pending document information sent by the target application device. The application page includes the respondent's identification number, the executing application department, the executing applicant, the execution document, permissions, and the maximum amount. The respondent is the user corresponding to the account information in this embodiment, the executing application department is the department where the staff member works, the executing applicant is the staff member, the execution document is the document including the application documents and pending document information, the permissions are the permissions corresponding to the staff member's weight level, and the maximum amount is the maximum execution amount corresponding to that weight level. After the staff member clicks submit to upload, the page displays the submission number, submission time, executing application department, executing applicant, respondent's identification number, execution document, approval status, review time, valid deadline, permissions, maximum amount, and the previously returned license code.

[0069] Step 202: Determine the permission level corresponding to the application information based on the application information and the preset mapping relationship between application information and permission levels.

[0070] Specifically, the mapping relationship between application information and permission levels can include mappings such as application type, application amount, application department, application period, and applicant identity. Based on the received application information and the pre-defined mapping relationships, the corresponding permission level is determined. The determined permission level is recorded in the database and stored in association with the application information for subsequent processing and retrieval. Through this process, the corresponding permission level can be accurately determined based on the application information, ensuring access control and operational compliance in subsequent processing.

[0071] Step 203: Determine the processing parameters of the request to be processed based on the permission level corresponding to the application information and the information of the file to be processed.

[0072] Specifically, the process involves analyzing the file information to be processed, verifying its completeness and validity. Verification may include file format, completeness of content, and authorization information. Processing type: The processing type is determined based on the application type, such as query, freeze, deduction, unfreeze, or extended freeze. The processing amount is determined based on the application amount, ensuring it does not exceed the maximum requested amount. The processing period is determined based on the application deadline, ensuring the operation is completed within the valid period. The applicant's permissions are verified based on their access level, ensuring they have the necessary authorization to perform the corresponding operation. The final processing parameters are determined by comprehensively considering the access level and the file information. If the application or file information does not meet the requirements, an error message or request for supplementary information may be necessary. The determined processing parameters are recorded in the database, linked to the application and file information, for subsequent processing and retrieval. Through this process, the processing parameters for the request can be accurately determined based on the access level corresponding to the application information and the file information, ensuring the accuracy and compliance of subsequent processing procedures.

[0073] For example, Figure 2c This is an example image of an asset processing review page for the asset processing method provided in this application, such as... Figure 2cAs shown, when the electronic device executing this embodiment reviews the application information, the page displays the application submission number, the respondent's identification number, the executing department (department xxx), the applicant, the executing document (viewing the document, such as for verification and stamping), the submission time (xxxx year x month x day 00:00), the effective deadline (yyyy year y month y day 00:00), the permissions (freezing and transferring), the maximum amount (x), the approval opinion, and after the review is approved, i.e., the executing department's permission level is sufficient to process the document, the page displays "Review approved" and the generated authorization code.

[0074] Step 204: Obtain the correspondence between the processing parameters, processing type and processing weight information of the request to be processed, as well as the account information corresponding to the processing request.

[0075] Step 205: Determine the current processing status of the account based on the total processing records of the account, and determine the target processing type of the account based on the current processing status, processing type, and the correspondence between processing type and processing weight information.

[0076] Step 206: Determine the target processing agency based on the account type, and send the target processing type, user information, and processing amount to the target processing agency so that the target processing agency can process the account corresponding to the user information according to the target processing type and processing amount.

[0077] The proposed solution accurately determines the processing parameters of the request to be processed based on the permission level corresponding to the application information and the information of the file to be processed, thereby ensuring the accuracy and compliance of the subsequent processing flow.

[0078] Figure 3 This is a schematic diagram of the asset processing apparatus provided in this application, which is suitable for executing the asset processing method provided in this application. Figure 3 As shown, the device may specifically include:

[0079] The acquisition module 301 is used to acquire the correspondence between the processing parameters, processing type and processing weight information of the request to be processed, and the account information corresponding to the processing request; wherein, the processing parameters include the processing type and processing amount, and the account information includes user information, the total processing records of the account and the account type.

[0080] The determining module 302 is used to determine the current processing status of the account based on the total processing records of the account, and to determine the target processing type of the account based on the current processing status, the processing type, and the correspondence between the processing type and the processing weight information.

[0081] The sending module 303 is used to determine the target processing agency according to the account type, and send the target processing type, the user information and the processing amount to the target processing agency, so that the target processing agency processes the account corresponding to the user information according to the target processing type and the processing amount.

[0082] In one embodiment, before the acquisition module 301 acquires the correspondence between the processing parameters, processing type, and processing weight information of the request to be processed, and the account information corresponding to the processing request, it is further configured to: receive an application file and a file to be processed sent by the target application device; wherein the application file includes application license information and application information; determine the permission level corresponding to the application information based on the application information and the preset mapping relationship between application information and permission level; and determine the processing parameters of the request to be processed based on the permission level corresponding to the application information and the file to be processed information.

[0083] In one embodiment, the processing parameters further include a processing period. The sending module 303 is specifically used to send the target processing type, the user information, the processing amount, and the processing period to the target processing agency, so that the target processing agency processes the account corresponding to the user information according to the target processing type and the processing amount within the processing period.

[0084] In one embodiment, the sending module 303 is further configured to: receive processing information returned by the target processing mechanism and display the processing information.

[0085] In one embodiment, the determining module 302 is specifically used to: obtain the weight information corresponding to the current processing state; determine the weight information of the processing type according to the processing type and the correspondence between the processing type and the processing weight information; and determine the target processing type of the account according to the weight information corresponding to the current processing state and the weight information of the processing type.

[0086] In one embodiment, the account type includes multiple sub-accounts and multiple parent accounts, and the sending module 303 is specifically used to: determine the target processing agency according to the processing agency corresponding to each of the multiple sub-accounts and multiple parent accounts.

[0087] In one embodiment, the device further includes: a notification sending module, configured to send a processing notification to the user equipment corresponding to the user information; wherein the processing notification includes the processing type and the processing amount.

[0088] The apparatus of this application acquires the correspondence between processing parameters, processing type, and processing weight information of a request to be processed, as well as the account information corresponding to the processing request. The processing parameters include the processing type and processing amount, and the account information includes user information, the account's total processing records, and the account type. Based on the account's total processing records, the current processing status of the account is determined, and the target processing type of the account is determined based on the current processing status, processing type, and the correspondence between processing type and processing weight information. Based on the account type, a target processing institution is determined, and the target processing type, user information, and processing amount are sent to the target processing institution so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. In other words, the method of this application, based on the information of the request to be processed and the account information, determines the target processing institution and sends the method for processing assets to the target processing institution, so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. This avoids the need for staff to conduct on-site visits to the institutions related to the user's account, reducing the workload and time spent by staff, thereby improving the efficiency of user asset processing.

[0089] This application also provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the asset processing method provided in any of the above embodiments.

[0090] This application also provides a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the asset processing method provided in any of the above embodiments.

[0091] The following is for reference. Figure 4 It shows a schematic diagram of the structure of an electronic device 400 suitable for implementing the present application. Figure 4 The electronic device shown is merely an example and should not impose any limitations on the functionality and scope of this application.

[0092] like Figure 4 As shown, the electronic device 400 includes a central processing unit (CPU) 401, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 402 or a program loaded from a storage section 408 into a random access memory (RAM) 403. The RAM 403 also stores various programs and data required for the operation of the electronic device 400. The CPU 401, ROM 402, and RAM 403 are interconnected via a bus 404. An input / output (I / O) interface 405 is also connected to the bus 404.

[0093] The following components are connected to I / O interface 405: an input section 406 including a keyboard, mouse, etc.; an output section 407 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 408 including a hard disk, etc.; and a communication section 409 including a network interface card such as a LAN card, modem, etc. The communication section 409 performs communication processing via a network such as the Internet. A drive 410 is also connected to I / O interface 405 as needed. A removable medium 411, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 410 as needed so that computer programs read from it can be installed into storage section 408 as needed.

[0094] Specifically, according to the embodiments disclosed in this application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 409, and / or installed from removable medium 411. When the computer program is executed by central processing unit (CPU) 401, it performs the functions defined above in the system of this application.

[0095] It should be noted that the computer-readable medium shown in this application can be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this application, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0096] 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 application. 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.

[0097] The modules and / or units described in this application can be implemented in software or hardware. The described modules and / or units can also be housed in a processor; for example, a processor may be described as including an acquisition module, a determination module, and a transmission module. The names of these modules do not necessarily limit the module itself.

[0098] In another aspect, this application also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to perform the following operations:

[0099] The system obtains the correspondence between the processing parameters, processing type, and processing weight information of the pending request, as well as the account information corresponding to the processing request. The processing parameters include the processing type and processing amount, and the account information includes user information, the account's total processing records, and the account type. Based on the account's total processing records, the system determines the account's current processing status and, based on the current processing status, processing type, and the correspondence between processing type and processing weight information, determines the account's target processing type. Based on the account type, the system determines the target processing agency and sends the target processing type, user information, and processing amount to the target processing agency, so that the target processing agency processes the account corresponding to the user information according to the target processing type and processing amount.

[0100] According to the technical solution of this application, the correspondence between processing parameters, processing type, and processing weight information of the request to be processed, as well as the account information corresponding to the processing request, is obtained. The processing parameters include the processing type and processing amount, and the account information includes user information, the account's total processing records, and the account type. The current processing status of the account is determined based on the account's total processing records, and the target processing type of the account is determined based on the current processing status, processing type, and the correspondence between processing type and processing weight information. The target processing institution is determined based on the account type, and the target processing type, user information, and processing amount are sent to the target processing institution so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. In other words, the method of this application, based on the information of the request to be processed and the account information, determines the target processing institution and sends the method for processing assets to the target processing institution, so that the target processing institution processes the account corresponding to the user information according to the target processing type and processing amount. This avoids the need for staff to conduct on-site visits to the relevant institutions of the user's account, reduces the workload and time spent by staff, and thus improves the efficiency of user asset processing.

[0101] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the asset processing method provided in any embodiment of this application.

[0102] In the implementation of the computer program product, computer program code for performing the operations of this application can be written in one or more programming languages ​​or a combination thereof. Programming languages ​​include object-oriented programming languages ​​such as Java, Smalltalk, and C++, as well as conventional procedural programming languages ​​such as C or similar languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including a local area network (LAN) or a wide area network (WAN)—or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0103] It should be understood that the various forms of processes shown above can be used to rearrange, add, or delete steps. For example, the steps described in this application can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution of this application can be achieved, and this is not limited herein.

[0104] The specific embodiments described above do not constitute a limitation on the scope of protection of this application. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this application should be included within the scope of protection of this application.

Claims

1. An asset processing method, characterized in that, The method includes: Obtain the correspondence between the processing parameters, processing type, and processing weight information of the request to be processed, as well as the account information corresponding to the processing request; wherein, the processing parameters include the processing type and processing amount, and the account information includes user information, the total processing records of the account, and the account type; The current processing status of the account is determined based on the total processing records of the account, and the target processing type of the account is determined based on the current processing status, the processing type, and the correspondence between the processing type and the processing weight information. The target processing agency is determined based on the account type, and the target processing type, the user information, and the processing amount are sent to the target processing agency so that the target processing agency processes the account corresponding to the user information according to the target processing type and the processing amount.

2. The method according to claim 1, characterized in that, Before obtaining the correspondence between the processing parameters, processing type, and processing weight information of the request to be processed, and the account information corresponding to the processing request, the method further includes: Receive application documents and pending document information sent by the target application device; wherein, the application documents include application license information and application information; Based on the application information and the preset mapping relationship between application information and permission levels, the permission level corresponding to the application information is determined; Based on the permission level corresponding to the application information and the information of the file to be processed, the processing parameters of the request to be processed are determined.

3. The method according to claim 2, characterized in that, The processing parameters also include a processing period. Sending the target processing type, the user information, and the processing amount to the target processing agency, so that the target processing agency processes the account corresponding to the user information according to the target processing type and the processing amount, includes: The target processing type, the user information, the processing amount, and the processing period are sent to the target processing agency so that the target processing agency processes the account corresponding to the user information according to the target processing type and the processing amount within the processing period.

4. The method according to claim 3, characterized in that, The method further includes: Receive the processing information returned by the target processing unit and display the processing information.

5. The method according to claim 1, characterized in that, The target processing type for the account is determined based on the current processing status, the processing type, and the correspondence between the processing type and processing weight information, including: Obtain the weight information corresponding to the current processing state; The weight information of the processing type is determined based on the processing type and the correspondence between the processing type and the processing weight information; The target processing type for the account is determined based on the weight information corresponding to the current processing status and the weight information of the processing type.

6. The method according to claim 1, characterized in that, The account type includes multiple sub-accounts and multiple parent accounts. Determining the target processing institution based on the account type includes: The target processing agency is determined based on the processing agencies corresponding to each of the multiple sub-accounts and the multiple parent accounts.

7. The method according to claim 1, characterized in that, The method further includes: A processing notification is sent to the user device corresponding to the user information; wherein the processing notification includes the processing type and the processing amount.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the program, it implements the asset processing method as described in any one of claims 1 to 7.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the asset processing method as described in any one of claims 1 to 7.

10. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the asset processing method as described in any one of claims 1 to 7.

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