Due diligence methods, electronic devices, storage media and procedures

Abstract

This invention discloses a due diligence method, electronic device, storage medium, and program, relating to the fields of computer applications and financial technology. The method includes: responding to a target business processing request submitted by a target business requesting entity, obtaining business application association information of the target business processing request; generating a business processing application information table and a due diligence task scheduling association data table based on the business application association information of the target business processing request; obtaining due diligence task association data of the target business processing request based on the business processing application information table and the due diligence task scheduling association data table; and generating a due diligence result for the target business requesting entity based on the due diligence task association data. The technical solution of this invention can standardize and unify the execution process of various due diligence tasks, thereby improving the execution efficiency of due diligence tasks.

Description

Technical Field

[0001] The embodiments of the present invention relate to the fields of computer applications and financial technology, and in particular to a due diligence method, electronic device, storage medium and program. Background Technology

[0002] Due diligence is a systematic and standardized process of identity verification and risk assessment conducted by the service provider on the applicant for business requests before formally providing services. As a core prerequisite for ensuring business compliance and preventing operational risks, its effectiveness directly affects the operational safety and service quality of the business entity.

[0003] Existing technologies have gradually enabled deep collaboration and integration between service providers and due diligence systems. By building standardized online processes to replace the traditional manual due diligence model, the convenience of due diligence work has been improved to a certain extent.

[0004] However, the current market features a diverse range of service providers, each offering a variety of business functions. Furthermore, due diligence standards differ among providers, and the due diligence processes, verification elements, and risk assessment dimensions vary depending on the specific business function. These factors combine to complicate the due diligence process, severely hindering its efficiency. Summary of the Invention

[0005] This invention provides a due diligence method, apparatus, electronic device, storage medium, and program that can standardize and unify the execution process of various due diligence tasks, thereby improving the execution efficiency of due diligence tasks.

[0006] According to one aspect of the present invention, a due diligence method is provided, comprising: In response to a target business processing request submitted by the target business requesting entity, obtain the business application association information of the target business processing request; Generate a business processing application information table and a due diligence task scheduling association data table based on the business application association information of the target business processing request; Obtain the due diligence task association data for the target business processing request based on the business processing application information table and the due diligence task scheduling association data table; The due diligence results for the target business request subject are generated based on the due diligence task-related data.

[0007] According to another aspect of the present invention, a due diligence apparatus is provided, comprising: The business application association information acquisition module, in response to the target business processing request submitted by the target business request subject, acquires the business application association information of the target business processing request; The data table generation module is used to generate a business processing application information table and a due diligence task scheduling association data table based on the business application association information of the target business processing request. The due diligence task-related data acquisition module is used to acquire the due diligence task-related data of the target business processing request based on the business processing application information table and the due diligence task scheduling-related data table. The due diligence result generation module is used to generate the due diligence result of the target business request subject based on the due diligence task-related data.

[0008] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising: At least one processor; and A memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor, the computer program being executed by the at least one processor to enable the at least one processor to perform the due diligence method described in any embodiment of the present invention.

[0009] According to another aspect of the present invention, a computer-readable storage medium is provided, the computer-readable storage medium storing computer instructions for causing a processor to execute and implement the due diligence method described in any embodiment of the present invention.

[0010] According to another aspect of the present invention, a computer program product is also provided, comprising a computer program that, when executed by a processor, implements the due diligence method described in any embodiment of the present invention.

[0011] This invention, in response to a target business processing request submitted by a target business requesting entity, obtains the business application association information of the target business processing request, and generates a business processing application information table and a due diligence task scheduling association data table based on this information. Then, it obtains the due diligence task association data for the target business processing request based on these tables. After obtaining the due diligence task association data, it generates the due diligence results for the target business requesting entity based on this data. This solution solves the problem of cumbersome processes in existing due diligence methods, standardizes and unifies the execution process of each due diligence task, and thus improves the efficiency of due diligence task execution.

[0012] It should be understood that the description in this section is not intended to identify key or essential features of the embodiments of the present invention, nor is it intended to limit the scope of the invention. Other features of the invention will become readily apparent from the following description. Attached Figure Description

[0013] To more clearly illustrate the technical solutions in the embodiments of the present invention, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0014] Figure 1 This is a flowchart of a due diligence method provided in Embodiment 1 of the present invention; Figure 2 This is a flowchart of a due diligence method provided in Embodiment 2 of the present invention; Figure 3 This is a flowchart of a common module for triggering due diligence judgment provided in Embodiment 2 of the present invention; Figure 4 This is a flowchart of a due diligence push processing public thread module provided in Embodiment 2 of the present invention; Figure 5 This is a flowchart of a public service module for receiving progress results provided in Embodiment 2 of the present invention; Figure 6 This is a schematic diagram of a due diligence device provided in Embodiment 3 of the present invention; Figure 7 This is a schematic diagram of the structure of an electronic device provided in Embodiment 4 of the present invention. Detailed Implementation

[0015] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0016] It should be noted that the terms "initial," "target," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0017] Example 1 Figure 1 This is a flowchart of a due diligence method provided in Embodiment 1 of the present invention. This embodiment is applicable to situations where due diligence is conducted using a unified due diligence task execution process. This method can be executed by a due diligence device, which can be implemented in software and / or hardware, and is generally integrated into an electronic device. This electronic device can be a terminal device or a server device, as long as it can execute the due diligence method. The present invention does not limit the specific type of electronic device. Correspondingly, as... Figure 1 As shown, the method includes the following operations: S110. In response to the target business processing request submitted by the target business requesting subject, obtain the business application association information of the target business processing request.

[0018] The target business requesting entity can be an entity that submits a request to a relevant institution, platform, or service provider to handle a specific business matter. For example, the requesting entity can be an individual, enterprise, or other organization; this embodiment of the invention does not limit the specific type of the requesting entity. The target business processing request can be an application submitted by the target business requesting entity to a relevant institution, platform, or service provider to handle a specific business matter. For example, the target business processing request can include, but is not limited to, linking an account or adjusting a credit limit; this embodiment of the invention does not limit the specific type of the target business processing request. The business application associated information can be a set of supplementary information directly related to the target business processing request and used to assist in verifying the validity, completeness, and compliance of the target business processing request.

[0019] In this embodiment of the invention, the target business requesting entity can submit a business processing request to the service provider and simultaneously submit business application association information corresponding to the business processing request. After detecting and responding to the target business processing request, the service provider can extract and obtain the business application association information to provide data support for the execution of subsequent business processes.

[0020] S120. Generate a business processing application information table and a due diligence task scheduling association data table based on the business application association information of the target business processing request.

[0021] The business application related information can be a collection of supplementary information directly related to the target business processing request, used to assist in verifying the validity, completeness, and compliance of the target business processing request. The business processing application information table can store business application related information for business processing requests under different business types and processing channels. The due diligence task scheduling related data table can store various related information involved in task scheduling under different due diligence projects and different execution stages.

[0022] Accordingly, after obtaining the business application association information for the target business processing request, the service provider can automatically register this information in the business processing application information table. If it is determined that due diligence tasks are required for the target business processing request, the service provider can generate a due diligence task scheduling association data table based on the business application association information. For example, the due diligence task scheduling association data table may include, but is not limited to, a due diligence batch information table and a thread task table. The due diligence batch information table can be a core ledger for systematically managing the same batch of due diligence tasks, serving as a standardized data carrier for due diligence task execution, progress tracking, and result summarization. The thread task table can be a standardized data carrier for systematically managing, scheduling, and monitoring the lifecycle of one or more due diligence thread tasks.

[0023] S130. Obtain the due diligence task association data of the target business processing request based on the business processing application information table and the due diligence task scheduling association data table.

[0024] Among them, due diligence task-related data can be data associated with due diligence tasks corresponding to the target business processing request.

[0025] Accordingly, after generating the business processing application information table and the due diligence task scheduling association data table based on the business application association information of the target business processing request, the due diligence task association data required for the due diligence task corresponding to the target business processing request can be obtained from the business processing application information table according to the data association logic between the due diligence task scheduling association data table and the business processing application information table.

[0026] S140. Generate the due diligence results of the target business request subject based on the due diligence task association data.

[0027] The due diligence results can be the results obtained after conducting due diligence on the target business requesting entity.

[0028] Accordingly, after obtaining the due diligence task-related data for the target business processing request, the service provider can use the due diligence system to conduct due diligence on the business request subject of the target business processing request based on the due diligence task-related data, and generate due diligence results for the target business request subject. For example, the due diligence system can be deployed in the service provider's local service architecture, or it can exist as a standalone functional system.

[0029] Therefore, the due diligence method provided by this invention offers a standardized and unified execution process to meet the differentiated needs of different business types and service providers. This method effectively eliminates redundant steps and non-standardized operations in the due diligence task execution process through a unified information registration mechanism and data association rules, achieving standardized control over the entire process. Simultaneously, the design of generating a due diligence task scheduling association data table based on business application association information enables precise binding of due diligence tasks with basic data, allowing due diligence personnel to quickly conduct verification work without additional information retrieval, effectively shortening the task cycle and significantly improving the overall execution efficiency of due diligence work. Furthermore, the above process, through clear information registration and data association logic, ensures the integrity and traceability of due diligence work, providing reliable data support for subsequent result review and responsibility determination. In summary, this solution, relying on standardized processes and automated scheduling modes, further reduces the generation, circulation, and processing time of due diligence tasks, indirectly accelerating business processing speed and optimizing customer experience; at the same time, the unified processing mechanism also effectively reduces the operational complexity for various service providers.

[0030] This invention, in response to a target business processing request submitted by a target business requesting entity, obtains the business application association information of the target business processing request, and generates a business processing application information table and a due diligence task scheduling association data table based on this information. Then, it obtains the due diligence task association data for the target business processing request based on these tables. After obtaining the due diligence task association data, it generates the due diligence results for the target business requesting entity based on this data. This solution solves the problem of cumbersome processes in existing due diligence methods, standardizes and unifies the execution process of each due diligence task, and thus improves the efficiency of due diligence task execution.

[0031] Example 2 Figure 2This is a flowchart of a due diligence method provided in Embodiment 2 of the present invention. This embodiment is a specific embodiment based on the above embodiment. In this embodiment, specific optional implementation methods are given for generating a due diligence task scheduling association data table based on the business application association information of the target business processing request, and obtaining the due diligence task association data of the target business processing request based on the business application information table and the due diligence task scheduling association data table. Accordingly, as Figure 2 As shown, the method in this embodiment may include: S210. In response to the target business processing request submitted by the target business requesting subject, obtain the business application association information of the target business processing request.

[0032] S220. Generate a business processing application information table based on the business application association information of the target business processing request.

[0033] In an optional embodiment of the present invention, before obtaining the business application association information of the target business processing request in response to the target business processing request submitted by the target business request subject, the method may further include: determining the due diligence triggering condition and due diligence process for each business processing request based on the business type of each business processing request; and generating a due diligence process control parameter table based on the business type of the business processing request, the due diligence triggering condition, and the due diligence process.

[0034] The business type of a business processing request can be a classification of the business processing application submitted by the requesting entity based on the core attributes, processing scenario, service recipient, or operational purpose of the business processing request. For example, the business type of a business processing request may include, but is not limited to, account opening / registration, information change, and loss reporting / freezing, etc. This embodiment of the invention does not limit the specific content included in the business type of a business processing request. The due diligence triggering condition can be a specific circumstance or prerequisite for initiating due diligence. The due diligence process can be the process of executing due diligence. The due diligence process control parameter table can be a tool form used for standardized and quantitative control of the entire due diligence process.

[0035] In this embodiment of the invention, before obtaining the business application association information of the target business processing request in response to the target business request submitted by the target business requesting entity, the due diligence triggering conditions and due diligence process of each business processing request can be determined in advance according to the business type of each business processing request. Furthermore, a due diligence process control parameter table can be generated based on the business type, due diligence triggering conditions, and due diligence process of the business processing request, serving as a reference for subsequent due diligence task execution. In a specific example, the due diligence process control parameter table may include, but is not limited to, business type, due diligence triggering conditions, due diligence process, regional parameters, and other configuration items. Specifically, the due diligence triggering condition can be "applicant's customer code != account customer code" or "limit increase exists," etc.; the due diligence process can be "due diligence of the group account opening bank and due diligence of the account opening bank are required, and due diligence of the group account opening bank -> due diligence of the account opening bank," meaning the due diligence order can be defined in the due diligence process; the regional parameter can be used for branch-specific configuration; other configuration items can be used to configure various processing strategies for due diligence tasks, such as timeout processing strategies. The above solution, through a parameterized configuration mechanism of the due diligence process control parameter table, can flexibly define and quickly adjust the due diligence triggering conditions and multi-level / serial due diligence process architecture corresponding to different business types, while also supporting task adaptation for multiple types of lead banks. This design not only meets the standardized control requirements at the head office level but also accommodates the personalized customization needs of branches, significantly improving the system's flexibility, scalability, and business adaptability.

[0036] Furthermore, the aforementioned solution, through the collaborative application of a common scheduling mechanism and a due diligence process control parameter table, effectively eliminates the problem of redundant development caused by the independent development of due diligence logic for each business function module. When adding new business types or channels, only the corresponding due diligence trigger conditions and process rules need to be configured in the due diligence process control parameter table to complete the functional adaptation. There is no need to modify the scattered business logic one by one, which can significantly improve the maintenance efficiency of the service system and significantly reduce the risk of errors during code logic iteration.

[0037] S230. Generate a due diligence task scheduling association data table based on the business application association information of the target business processing request.

[0038] In an optional embodiment of the present invention, generating a due diligence task scheduling association data table based on the business application association information of the target business processing request may include: querying the due diligence process control parameter table based on the business application association information of the target business processing request; and generating the due diligence task scheduling association data table based on the business application association information of the target business processing request when it is determined that the business application association information of the target business processing request matches the target due diligence parameter in the due diligence process control parameter table.

[0039] The target due diligence parameters can be specific parameters in the due diligence process control parameter table. For example, target due diligence parameters may include, but are not limited to, due diligence triggering conditions, etc. This embodiment of the invention does not limit the specific type of target due diligence parameters.

[0040] Figure 3 This is a flowchart of a common module for triggering due diligence judgment provided in Embodiment 2 of the present invention. In a specific process, such as... Figure 3 As shown, in the common module for triggering due diligence judgment, the target due diligence parameters can be queried from the due diligence process control parameter table based on the business application association information of the target business processing request. Then, the target due diligence parameters can be compared with the business application association information of the target business processing request to determine if they match. If they match, due diligence work is required, and a due diligence batch information table and a thread task table for the target business processing request can be generated based on the business application association information. If they do not match, due diligence work is not required, and the target business processing module can be called to execute business processing. This solution decouples the due diligence process control from the specific business processing logic, effectively reducing the coupling between system modules and significantly improving the clarity and stability of the overall architecture.

[0041] In an optional embodiment of the present invention, determining that the business application association information of the target business processing request matches the target due diligence parameter in the due diligence process control parameter table may include: determining the business type of the target business processing request based on the business application association information; and, if it is determined that the business type of the target business processing request matches the target due diligence business type in the due diligence process control parameter table, determining that the business application association information of the target business processing request matches the target due diligence parameter in the due diligence process control parameter table.

[0042] Specifically, in determining whether the business application association information of the target business processing request matches the target due diligence parameters in the due diligence process control parameter table, the business type of the target business processing request can first be determined based on the business application association information. After determining the business type of the target business processing request, the due diligence triggering conditions for the corresponding business type can be queried in the due diligence process control parameter table. These triggering conditions can then be compared with the business application association information of the target business processing request to determine if they match. If the due diligence triggering conditions match the business application association information of the target business processing request, then the business application association information can be confirmed to match the target due diligence parameters in the due diligence process control parameter table. This solution, relying on the standardized and automated process design of due diligence triggering, can accurately define the business scope requiring due diligence and the business boundaries exempt from due diligence, avoiding the ineffective advancement of non-target businesses into the due diligence process from the source. This significantly improves the efficiency of the entire business processing chain and effectively reduces the ineffective consumption of human and computing resources.

[0043] In an optional embodiment of the present invention, generating the due diligence task scheduling association data table based on the business application association information of the target business processing request may include: matching the business type of the target business processing request with the due diligence process control parameter table to determine the due diligence process association information corresponding to the target business processing request; and generating the due diligence task scheduling association data table based on the due diligence process association information corresponding to the target business processing request and the business application association information.

[0044] Among them, the due diligence process-related information can be the due diligence process information of the target business processing request.

[0045] In this embodiment of the invention, when generating a due diligence task scheduling association data table based on the business application association information of the target business processing request, the due diligence process corresponding to the business type of the target business processing request can first be queried from the due diligence process control parameter table, and used as the due diligence process association information corresponding to the target business processing request. Furthermore, the due diligence process association information and business application association information corresponding to the target business processing request can be combined to generate the due diligence task scheduling association data table. This solution, based on the precise matching logic between business type and due diligence process, achieves a dedicated binding between the two, thereby ensuring that the task scheduling strategy is highly adaptable to the attribute requirements of different businesses. Simultaneously, using the due diligence task scheduling association data table as a unified data foundation for the entire process provides standardized data support for the automated flow of due diligence tasks, significantly improving the overall efficiency of business processing.

[0046] It should be noted that if multiple due diligence investigations are required for the business request subject to handle the target business, then during the first due diligence investigation, only the relevant information of the first due diligence investigation task will be registered in the thread task table.

[0047] In an optional embodiment of the present invention, generating the due diligence task scheduling association data table based on the due diligence process association information corresponding to the target business processing request and the business application association information may include: generating the due diligence batch number of the due diligence batch information table; generating the associated due diligence batch number of the thread task table based on the due diligence batch number of the due diligence batch information table; generating the associated business serial number and business type of the due diligence batch information table based on the business application association information; generating the target due diligence task of the target business processing request, the current due diligence process step and processing status of the due diligence batch information table based on the due diligence process association information; and generating the task identifier, task type and processing status of the thread task table based on the target due diligence task and the business application association information.

[0048] Among them, the due diligence task to be investigated can be the due diligence task corresponding to the target business processing request.

[0049] In a specific example, the due diligence batch information table may include, but is not limited to, due diligence batch number, associated business serial number, business type, current due diligence process step, processing status, grouping representation, and associated parent batch number. This embodiment of the invention does not limit the specific field information included in the due diligence batch information table. Specifically, this table establishes a relationship with the business application information table through the associated business serial number, and achieves a mapping relationship through the business type and the due diligence process control parameter table. The current due diligence process step can be used to clearly identify the current due diligence process node, such as "Due diligence is underway at the group's bank, and processing is pending at the account's bank." The processing status may include, but is not limited to, pending push, pushed and awaiting due diligence results, passed, rejected, or processing, etc. This embodiment of the invention does not determine the processing status. The grouping identifier can be applied to application scenarios such as account opening bank grouping. The associated parent batch number can support the full lifecycle management of the serial process.

[0050] The thread task table may include, but is not limited to, fields such as task identifier, associated due diligence batch number, task type, processing status, and error information. This embodiment of the invention does not limit the specific field information included in the thread task table. The task type can be configured as a push due diligence task; the processing status can be divided into various types, such as pending, processing, successful, or failed. This embodiment of the invention does not limit the specific content of the processing status.

[0051] Specifically, in the process of generating a due diligence task scheduling data table based on the due diligence process association information and business application association information corresponding to the target business processing request, the due diligence batch number of the due diligence batch information table can be generated first. Simultaneously, the target pending due diligence task corresponding to the target business processing request, as well as the current due diligence process step and processing status in the due diligence batch information table, can be generated based on the due diligence process association information. Furthermore, the associated business serial number of the due diligence batch information table can be determined based on the business processing application information table generated from the business application association information, thereby establishing the association between the business processing application information table and the due diligence batch information table.

[0052] After generating the due diligence batch number in the due diligence batch information table, the associated due diligence batch number in the thread task table can be generated based on this number, thus establishing a mapping relationship between the due diligence batch information table and the thread task table. Furthermore, the task identifier, task type, and processing status fields in the thread task table can be generated by combining the target due diligence task and business application association information. This solution, through precise construction of multi-table relationships, enables end-to-end traceability of due diligence tasks; simultaneously, by solidifying the synchronization mechanism between task information and process status, it significantly improves the accuracy of scheduling and control.

[0053] It should be noted that the business application association information, due diligence batch information table, and thread task table can be stored in the service provider's database. When executing the target due diligence task according to the thread task table, all the information required to execute the target due diligence task can be queried from the database based on the associated fields in the thread task table.

[0054] S240. Determine the due diligence batch information table corresponding to the target business processing request based on the associated due diligence batch number of the thread task table.

[0055] Figure 4 This is a flowchart of a due diligence push processing public thread module provided in Embodiment 2 of the present invention. Specifically, as shown... Figure 4 As shown, the service provider's backend server can scan the pending due diligence tasks in the thread task table. When the target pending due diligence task is determined, the server can accurately locate the due diligence batch information table corresponding to the target business processing request based on the associated batch number of the target pending due diligence task in the thread task table.

[0056] S250. Based on the business type and current due diligence process steps in the due diligence batch information table, determine the initial due diligence task association data corresponding to the target business processing request.

[0057] The initial due diligence task-related data can be obtained directly from the business processing application information table.

[0058] Correspondingly, such as Figure 4 As shown, after determining the due diligence batch information table corresponding to the target business processing request, the initial due diligence task association data required to execute the target due diligence task corresponding to the target business processing request can be determined based on the business type and the current due diligence process steps in the due diligence batch information table.

[0059] S260. Determine the business processing application information table corresponding to the target business processing request based on the associated business serial number of the due diligence batch information table, and obtain the initial due diligence task associated data from the business processing application information table.

[0060] Correspondingly, such as Figure 4 As shown, after determining the initial due diligence task-related data corresponding to the target business processing request, the business processing application information table corresponding to the target business processing request can be determined based on the relationship between the business processing application information table and the due diligence batch information table, using the associated business serial number in the due diligence batch information table. Furthermore, the initial due diligence task-related data can be obtained from the business processing application information table.

[0061] S270. The initial due diligence task association data is assembled into messages according to the preset combination logic to obtain the due diligence task association data of the target business processing request.

[0062] Among them, the preset combination logic can be the data combination logic pre-set for the due diligence scenario.

[0063] Correspondingly, such as Figure 4 As shown, after obtaining the initial due diligence task-related data, the initial due diligence task-related data can be assembled into messages according to preset combination logic to generate unified due diligence task-related data that meets the requirements of the due diligence system. In a specific example, after pushing the due diligence task-related data of the target business processing request to the due diligence system, the task status in the thread task table can be updated to "processed," and the processing status in the due diligence batch information table can be updated to "pushed and awaiting due diligence results." The above solution achieves targeted matching of multi-table data through core identifiers such as due diligence batch number and associated business serial number, avoiding redundancy and randomness in cross-table data association. It ensures that the full-dimensional data mapping from thread tasks to business applications is unbiased, thereby significantly reducing the risk of distorted due diligence results caused by data mismatch. At the same time, the above solution adopts an automated message assembly mechanism based on preset combination logic, replacing the traditional operation mode of manual data screening and integration. While reducing manual operation costs and human error rates, it promotes the efficient transformation of initial due diligence task-related data into standardized due diligence task-related data, thereby comprehensively improving the overall execution efficiency of due diligence tasks.

[0064] Optional, such as Figure 4As shown, the due diligence system can generate due diligence task services based on the data associated with the due diligence tasks, execute the due diligence tasks, obtain the due diligence results, and push the results to the service provider's public service module for receiving due diligence results.

[0065] S280. Generate the due diligence results of the target business request subject based on the due diligence task association data.

[0066] In an optional embodiment of the present invention, the method may further include: querying the due diligence process control parameter table based on the due diligence results and the business application association information of the target business processing request; if it is determined that the business request subject of the target business processing request has a due diligence process that needs to be improved, returning to execute the operation of generating a due diligence task scheduling association data table based on the business application association information of the target business processing request, until it is determined that the business request subject of the target business processing request has completed the entire due diligence process.

[0067] Among them, the due diligence process to be improved can be the due diligence tasks that have not yet been completed for the processing requests of the target business.

[0068] Figure 5 This is a flowchart of a public service module for receiving progress results provided in Embodiment 2 of the present invention. Specifically, as shown... Figure 5 As shown, after completing the initial due diligence on a target business processing request, the due diligence results for the requesting entity can be obtained. The processing status in the corresponding due diligence batch table is updated based on the batch number in the due diligence results, indicating either "passed" or "rejected." If the due diligence result is "rejected," it means the due diligence failed, and the business processing module corresponding to the business type of the target business processing request can be notified to perform rejection processing. If the due diligence result is "passed," it means the due diligence was successful, and the due diligence process control parameter table can be further queried based on the business application association information of the target business processing request to determine if there are any subsequent due diligence steps, i.e., a due diligence process to be completed. If the requesting entity of the target business processing request does not have a due diligence process to be completed, the business processing module corresponding to the business type of the target business processing request can be notified to perform pass processing. If the requesting entity of the target business processing request has a due diligence process to be completed, the operation of generating a due diligence task scheduling association data table based on the business application association information of the target business processing request can be returned, until it is determined that the requesting entity of the target business processing request has completed all due diligence processes. The aforementioned solution, by constructing a closed-loop management mechanism across the entire process, achieves standardized and regulated operation of the due diligence process, effectively avoiding process deviations caused by human intervention. Simultaneously, relying on a fully automated workflow design, it significantly reduces the time cost of task connection and processing, substantially shortens the business processing cycle, and thus significantly improves customer service response efficiency and satisfaction.

[0069] This invention, in response to a target business processing request submitted by a target business requesting entity, obtains the business application association information of the target business processing request, and generates a business processing application information table and a due diligence task scheduling association data table based on this information. Further, it determines the due diligence batch information table corresponding to the target business processing request based on the associated due diligence batch number in the thread task table, and then determines the initial due diligence task association data corresponding to the target business processing request based on the business type and current due diligence process step in the due diligence batch information table. After determining the initial due diligence task association data, it determines the business processing application information table corresponding to the target business processing request based on the associated business serial number in the due diligence batch information table, and obtains the initial due diligence task association data from the business processing application information table. Then, it assembles the initial due diligence task association data into messages according to preset combination logic to obtain the due diligence task association data for the target business processing request. After obtaining the due diligence task association data for the target business processing request, it generates the due diligence results for the target business requesting entity based on the due diligence task association data. The above solution solves the problem of cumbersome procedures in existing due diligence methods, and can standardize and unify the execution process of each due diligence task, thereby improving the efficiency of due diligence tasks.

[0070] In the technical solution disclosed herein, the information collected is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data all comply with the relevant laws, regulations and standards of the relevant countries and regions, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse.

[0071] It should be noted that, in this embodiment of the invention, a corresponding operation entry can be provided to the user, allowing the user to choose to agree to or reject the automated decision result; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0072] It should be noted that any arrangement or combination of the technical features in the above embodiments also falls within the protection scope of this invention.

[0073] Example 3 Figure 6 This is a schematic diagram of a due diligence device provided in Embodiment 3 of the present invention, as shown below. Figure 6 As shown, the device includes: a business application related information acquisition module 310, a data table generation module 320, a due diligence task related data acquisition module 330, and a due diligence result generation module 330, wherein: The business application association information acquisition module 310, in response to the target business processing request submitted by the target business request subject, acquires the business application association information of the target business processing request.

[0074] The data table generation module 320 is used to generate a business processing application information table and a due diligence task scheduling association data table based on the business application association information of the target business processing request.

[0075] The due diligence task-related data acquisition module 330 is used to acquire the due diligence task-related data of the target business processing request based on the business processing application information table and the due diligence task scheduling-related data table.

[0076] The due diligence result generation module 340 is used to generate the due diligence result of the target business request subject based on the due diligence task-related data.

[0077] This invention, in response to a target business processing request submitted by a target business requesting entity, obtains the business application association information of the target business processing request, and generates a business processing application information table and a due diligence task scheduling association data table based on this information. Then, it obtains the due diligence task association data for the target business processing request based on these tables. After obtaining the due diligence task association data, it generates the due diligence results for the target business requesting entity based on this data. This solution solves the problem of cumbersome processes in existing due diligence methods, standardizes and unifies the execution process of each due diligence task, and thus improves the efficiency of due diligence task execution.

[0078] Optionally, the above apparatus may further include a due diligence process control parameter table generation module, used to determine the due diligence triggering conditions and due diligence process for each business processing request based on the business type of each business processing request; and to generate a due diligence process control parameter table based on the business type of the business processing request, the due diligence triggering conditions, and the due diligence process. The data table generation module 310 is specifically used to: query the due diligence process control parameter table based on the business application association information of the target business processing request; and, if it is determined that the business application association information of the target business processing request matches the target due diligence parameter in the due diligence process control parameter table, to generate the due diligence task scheduling association data table based on the business application association information of the target business processing request.

[0079] Optionally, the data table generation module 310 is further configured to: determine the business type of the target business processing request based on the business application association information; and, if it is determined that the business type of the target business processing request matches the target due diligence business type in the due diligence process control parameter table, determine that the business application association information of the target business processing request matches the target due diligence parameter in the due diligence process control parameter table.

[0080] Optionally, the data table generation module 310 is further configured to: match the business type of the target business processing request with the due diligence process control parameter table to determine the due diligence process association information corresponding to the target business processing request; and generate the due diligence task scheduling association data table based on the due diligence process association information corresponding to the target business processing request and the business application association information.

[0081] Optionally, the due diligence task scheduling associated data table includes a due diligence batch information table and a thread task table. The data table generation module 310 is further configured to: generate the due diligence batch number of the due diligence batch information table; generate the associated due diligence batch number of the thread task table based on the due diligence batch number of the due diligence batch information table; generate the associated business serial number and business type of the due diligence batch information table based on the business application associated information; generate the target due diligence task of the target business processing request, the current due diligence process step and processing status of the due diligence batch information table based on the due diligence process associated information; and generate the task identifier, task type and processing status of the thread task table based on the target due diligence task and the business application associated information.

[0082] Optionally, the due diligence task-related data acquisition module 320 is specifically used for: determining the due diligence batch information table corresponding to the target business processing request based on the associated due diligence batch number of the thread task table; determining the initial due diligence task-related data corresponding to the target business processing request based on the business type and current due diligence process step of the due diligence batch information table; determining the business processing application information table corresponding to the target business processing request based on the associated business serial number of the due diligence batch information table, and obtaining the initial due diligence task-related data from the business processing application information table; and assembling the initial due diligence task-related data into messages according to preset combination logic to obtain the due diligence task-related data of the target business processing request.

[0083] Optionally, the above-mentioned device may further include a due diligence process determination module, which is used to query the due diligence process control parameter table based on the due diligence results and the business application association information of the target business processing request, and if it is determined that the business request subject of the target business processing request has a due diligence process to be improved, return to execute the operation of generating a due diligence task scheduling association data table based on the business application association information of the target business processing request, until it is determined that the business request subject of the target business processing request has completed the entire due diligence process.

[0084] The aforementioned due diligence apparatus can execute the due diligence method provided in any embodiment of the present invention, and possesses the corresponding functional modules and beneficial effects for executing the method. Technical details not described in detail in this embodiment can be found in the due diligence method provided in any embodiment of the present invention.

[0085] Since the due diligence apparatus described above is capable of executing the due diligence method in the embodiments of the present invention, those skilled in the art can understand the specific implementation and various variations of the due diligence apparatus in this embodiment based on the due diligence method described in the embodiments of the present invention. Therefore, how the due diligence apparatus implements the due diligence method in the embodiments of the present invention will not be described in detail here. Any apparatus used by those skilled in the art to implement the due diligence method in the embodiments of the present invention falls within the scope of protection of this application.

[0086] Example 4 Figure 7 A schematic diagram of an electronic device 10, which can be used to implement embodiments of the present invention, is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processors, cellular phones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the invention described and / or claimed herein.

[0087] like Figure 7As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12 or a random access memory (RAM) 13, communicatively connected to the at least one processor 11. The memory stores computer programs executable by the at least one processor. The processor 11 can perform various appropriate actions and processes based on the computer program stored in the ROM 12 or loaded from storage unit 18 into the RAM 13. The RAM 13 can also store various programs and data required for the operation of the electronic device 10. The processor 11, ROM 12, and RAM 13 are interconnected via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0088] Multiple components in electronic device 10 are connected to I / O interface 15, including: input unit 16, such as keyboard, mouse, etc.; output unit 17, such as various types of displays, speakers, etc.; storage unit 18, such as disk, optical disk, etc.; and communication unit 19, such as network card, modem, wireless transceiver, etc. Communication unit 19 allows electronic device 10 to exchange information / data with other devices through computer networks such as the Internet and / or various telecommunications networks.

[0089] Processor 11 can be a variety of general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special-purpose artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any suitable processor, controller, microcontroller, etc. Processor 11 performs the various methods and processes described above, such as due diligence methods.

[0090] In some embodiments, the due diligence method may be implemented as a computer program tangibly contained in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on electronic device 10 via ROM 12 and / or communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the due diligence method described above may be performed. Alternatively, in other embodiments, processor 11 may be configured to perform the due diligence method by any other suitable means (e.g., by means of firmware).

[0091] Optionally, the due diligence method may include: in response to a target business processing request submitted by a target business requesting entity, obtaining business application association information of the target business processing request; generating a business processing application information table and a due diligence task scheduling association data table based on the business application association information of the target business processing request; obtaining due diligence task association data of the target business processing request based on the business processing application information table and the due diligence task scheduling association data table; and generating a due diligence result for the target business requesting entity based on the due diligence task association data.

[0092] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), application-specific standard products (ASSPs), systems-on-a-chip (SoCs), payload-programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include implementations in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which may be a dedicated or general-purpose programmable processor, capable of receiving data and instructions from a storage system, at least one input device, and at least one output device, and transmitting data and instructions to the storage system, the at least one input device, and the at least one output device.

[0093] Computer programs used to implement the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when executed by the processor, the computer programs cause the functions / operations specified in the flowcharts and / or block diagrams to be performed. The computer programs may be executed entirely on a machine, partially on a machine, or as a standalone software package, partially on a machine and partially on a remote machine, or entirely on a remote machine or server.

[0094] In the context of this invention, a computer-readable storage medium can be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, apparatus, or device. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination thereof. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. More specific examples of machine-readable storage media include electrical connections based on one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof.

[0095] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device for displaying information to the user (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor); and a keyboard and pointing device (e.g., a mouse or trackball) through which the user provides input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including sound input, voice input, or tactile input).

[0096] The systems and technologies described herein can be implemented in computing systems that include backend components (e.g., as data servers), or middleware components (e.g., application servers), or frontend components (e.g., user computers with graphical user interfaces or web browsers through which users can interact with implementations of the systems and technologies described herein), or any combination of such backend, middleware, or frontend components. The components of the system can be interconnected via digital data communication of any form or medium (e.g., communication networks). Examples of communication networks include local area networks (LANs), wide area networks (WANs), blockchain networks, and the Internet.

[0097] A computing system can include clients and servers. Clients and servers are generally located far apart and typically interact through communication networks. The client-server relationship is created by computer programs running on the respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or cloud host, which is a hosting product within the cloud computing service system to address the shortcomings of traditional physical hosts and VPS services, such as high management difficulty and weak business scalability.

[0098] It should be understood that the various forms of processes shown above can be used to reorder, add, or delete steps. For example, the steps described in this disclosure can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution disclosed in this disclosure can be achieved, and this is not limited herein.

[0099] The specific embodiments described above do not constitute a limitation on the scope of protection of this disclosure. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this disclosure should be included within the scope of protection of this disclosure.

Claims

1. A due diligence method, characterized in that, include: In response to a target business processing request submitted by the target business requesting entity, obtain the business application association information of the target business processing request; Generate a business processing application information table and a due diligence task scheduling association data table based on the business application association information of the target business processing request; Obtain the due diligence task association data for the target business processing request based on the business processing application information table and the due diligence task scheduling association data table; The due diligence results for the target business request subject are generated based on the due diligence task-related data.

2. The method according to claim 1, characterized in that, Before obtaining the business application association information of the target business processing request in response to the target business processing request submitted by the target business requesting subject, the method further includes: The due diligence triggering conditions and due diligence process for each business processing request are determined based on the business type of each business processing request; Generate a due diligence process control parameter table based on the business type of the business processing request, the due diligence triggering conditions, and the due diligence process; A due diligence task scheduling association data table is generated based on the business application association information of the target business processing request, including: Query the due diligence process control parameter table based on the business application association information of the target business processing request; If the business application association information of the target business processing request is determined to match the target due diligence parameters in the due diligence process control parameter table, the due diligence task scheduling association data table is generated based on the business application association information of the target business processing request.

3. The method according to claim 2, characterized in that, The process of determining whether the business application association information for the target business processing request matches the target due diligence parameters in the due diligence process control parameter table includes: The business type of the target business processing request is determined based on the business application association information; If it is determined that the business type of the target business processing request matches the target due diligence business type in the due diligence process control parameter table, then it is determined that the business application association information of the target business processing request matches the target due diligence parameter in the due diligence process control parameter table.

4. The method according to claim 3, characterized in that, The step of generating the due diligence task scheduling association data table based on the business application association information of the target business processing request includes: Based on the business type of the target business processing request, the due diligence process control parameter table is matched to determine the due diligence process association information corresponding to the target business processing request; The due diligence task scheduling association data table is generated based on the due diligence process association information corresponding to the target business processing request and the business application association information.

5. The method according to claim 4, characterized in that, The due diligence task scheduling association data table includes a due diligence batch information table and a thread task table. Generating the due diligence task scheduling association data table based on the due diligence process association information corresponding to the target business processing request and the business application association information includes: Generate the due diligence batch number in the due diligence batch information table; Generate the associated due diligence batch number in the thread task table based on the due diligence batch information table; The associated business serial number and business type are generated in the due diligence batch information table based on the business application association information; Based on the due diligence process association information, the target due diligence task to be processed for the target business request, the current due diligence process step and processing status of the due diligence batch information table are generated. The task identifier, task type, and processing status of the thread task table are generated based on the target due diligence task and the business application association information.

6. The method according to claim 5, characterized in that, The step of obtaining the due diligence task association data for the target business processing request based on the business processing application information table and the due diligence task scheduling association data table includes: The due diligence batch information table corresponding to the target business processing request is determined based on the associated due diligence batch number of the thread task table. Based on the business type and current due diligence process steps in the due diligence batch information table, determine the initial due diligence task association data corresponding to the target business processing request; The business processing application information table corresponding to the target business processing request is determined based on the associated business serial number of the due diligence batch information table, and the initial due diligence task associated data is obtained from the business processing application information table. The initial due diligence task-related data is assembled into messages according to a preset combination logic to obtain the due diligence task-related data for the target business processing request.

7. The method according to claim 2, characterized in that, The method further includes: Based on the due diligence results and the business application association information of the target business processing request, the due diligence process control parameter table is queried. If it is determined that the business request subject of the target business processing request has a due diligence process that needs to be improved, the operation of generating a due diligence task scheduling association data table based on the business application association information of the target business processing request is returned until it is determined that the business request subject of the target business processing request has completed the entire due diligence process.

8. An electronic device, characterized in that, The electronic device includes: At least one processor; and A memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that is executed by the at least one processor to enable the at least one processor to perform the due diligence method according to any one of claims 1-7.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions that cause a processor to execute the due diligence method according to any one of claims 1-7.

10. A computer program product comprising a computer program / instructions, wherein, When the computer program / instructions are executed by the processor, they implement the due diligence method of any one of claims 1-7.

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