Bank data processing method and device, computer equipment, readable storage medium and bank distributed system

Abstract

The application relates to a bank data processing method and device, computer equipment, a computer readable storage medium and a bank distributed system. The method comprises the following steps: receiving a credit card account request, obtaining a target transaction flow corresponding to the credit card account request; determining at least one associated business center corresponding to the target transaction flow; determining business data change records and credit card account configuration information according to the target transaction flow and the associated business center; determining a credit card account processing mode according to the business data change records and the credit card account configuration information; and sending a credit card account instruction to the associated business center, wherein the credit card account instruction is used for instructing the associated business center to perform credit card account processing on target business data according to the credit card account processing mode. The method can realize the consistency of multi-business center cooperative credit card account processing, so that the multi-business center data can be kept synchronous and consistent, and the data accuracy and reliability of the bank system are improved.

Description

Technical Field

[0001] This application relates to the field of computer technology, and in particular to a method, apparatus, computer equipment, computer-readable storage medium, and distributed banking system for processing bank data. Background Technology

[0002] In banking operations, reversal is a crucial operation for correcting erroneous data and ensuring the accuracy of financial data. With the development of computer technology and the diversification of banking business channels, the requirements and complexity of reversal processing are also increasing.

[0003] In related technologies, banking systems typically employ a distributed architecture, where a single transaction involves multiple business centers. During the data rollover process, inconsistencies can easily arise between these business centers, leading to overall data inconsistencies within the banking system and severely impacting the accuracy and reliability of the bank's data. Summary of the Invention

[0004] Therefore, it is necessary to provide a method, apparatus, computer equipment, computer-readable storage medium, and computer program product for processing bank data that can improve the accuracy and reliability of bank data, in response to the aforementioned technical problems.

[0005] Firstly, this application provides a method for processing bank data, including:

[0006] Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request;

[0007] Identify at least one associated business center corresponding to the target transaction flow;

[0008] Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information;

[0009] Based on the business data change records and the reversal configuration information, determine the reversal processing method;

[0010] Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0011] In one embodiment, obtaining the target transaction record corresponding to the reversal request includes:

[0012] The request to reverse or erase accounts is parsed to obtain the initiator of the request.

[0013] When the initiator is a channel system, the initiator's transaction data of the channel system is converted into the target transaction data according to a preset format, wherein the channel system includes electronic channels or self-service channels;

[0014] When the initiator is a counter system, the transaction flow in the offset request is identified as the target transaction flow.

[0015] In one embodiment, determining at least one associated business center corresponding to the target transaction flow includes:

[0016] The business relationship table is queried based on the target transaction flow to obtain at least one business center identifier corresponding to the target transaction flow that has been processed. The business relationship table is used to store the correspondence between transaction flow and business center identifier.

[0017] Based on at least one business center identifier corresponding to the target transaction flow, determine at least one associated business center corresponding to the target transaction flow.

[0018] In one embodiment, determining the business data change records and reversal configuration information based on the target transaction flow and the associated business center includes:

[0019] Extract the business data change records corresponding to the target transaction flow from the business data records corresponding to each of the associated business centers in the business database;

[0020] Based on the transaction code associated with the target transaction flow, the corresponding reversal configuration information is queried in the reversal configuration library. The transaction code is used to represent the business type.

[0021] In one embodiment, determining the reversal processing method based on the business data change records and reversal configuration information includes:

[0022] The granularity of the write-off and the field processing rules are determined from the write-off configuration information. The granularity of the write-off includes writing off the entire data or writing off a specified field.

[0023] The data to be processed is determined from the changed data in the business data change record;

[0024] The method for reversing or erasing accounts is determined based on the granularity of the account reversal, the field processing rules, and the data to be processed.

[0025] In one embodiment, after sending the reversal instruction to the associated business center, the method further includes:

[0026] If the target business data in all related business centers has been successfully processed and the post-reversal checks have all passed, the reversal process is considered successful.

[0027] If the target business data processing fails in any associated business center, or if the post-reversal check for any associated business center fails, the reversal process is determined to have failed, and the data modified by the associated business center that has performed the reversal operation is restored.

[0028] Secondly, this application also provides a bank data processing apparatus, comprising:

[0029] The acquisition module is used to receive reversal requests and acquire the target transaction flow corresponding to the reversal request;

[0030] The first determining module is used to determine at least one associated business center corresponding to the target transaction flow;

[0031] The second determining module is used to determine business data change records and reversal configuration information based on the target transaction flow and the associated business center;

[0032] The third determining module is used to determine the reversal processing method based on the business data change records and the reversal configuration information.

[0033] The sending module is used to send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0034] Thirdly, this application also provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to perform the following steps:

[0035] Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request;

[0036] Identify at least one associated business center corresponding to the target transaction flow;

[0037] Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information;

[0038] Based on the business data change records and the reversal configuration information, determine the reversal processing method;

[0039] Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0040] Fourthly, this application also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, performs the following steps:

[0041] Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request;

[0042] Identify at least one associated business center corresponding to the target transaction flow;

[0043] Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information;

[0044] Based on the business data change records and the reversal configuration information, determine the reversal processing method;

[0045] Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0046] Fifthly, this application also provides a computer program product, including a computer program that, when executed by a processor, performs the following steps:

[0047] Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request;

[0048] Identify at least one associated business center corresponding to the target transaction flow;

[0049] Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information;

[0050] Based on the business data change records and the reversal configuration information, determine the reversal processing method;

[0051] Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0052] Sixthly, this application also provides a distributed banking system, including a core transaction center and multiple business centers. The core transaction center is used to execute any of the above-mentioned banking data processing methods, and the business centers are used to receive reversal instructions sent by the core transaction center and process the target business data according to the reversal processing method indicated by the reversal instructions.

[0053] The aforementioned bank data processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product can first receive a reversal request, obtain the target transaction flow corresponding to the reversal request, then identify at least one associated business center corresponding to the target transaction flow, and further determine the business data change record and reversal configuration information based on the target transaction flow and the associated business center. Subsequently, based on the business data change record and reversal configuration information, the reversal processing method can be determined, and a reversal instruction can be sent to the associated business center. The reversal instruction instructs the associated business center to perform reversal processing on the target business data according to the reversal processing method. Therefore, a unified reversal processing method can be determined based on the associated business center corresponding to the target transaction flow, combined with the reversal configuration information and business data change record. This enables collaborative reversal processing of target business data across various associated business centers, achieving consistency in multi-business-center collaborative reversal processing. This ensures that data from multiple business centers remains synchronized and consistent, thereby improving the data accuracy and reliability of the banking system. Attached Figure Description

[0054] To more clearly illustrate the technical solutions in the embodiments of this application or related technologies, the drawings used in the description of the embodiments of this application or related technologies will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other related drawings can be obtained based on these drawings without creative effort.

[0055] Figure 1 This is an application environment diagram of a bank data processing method in one embodiment;

[0056] Figure 2 This is a flowchart illustrating a method for processing bank data in one embodiment;

[0057] Figure 3 This is a schematic diagram of the process for determining the associated business center in one embodiment;

[0058] Figure 4 This is a flowchart illustrating the process of querying offsetting configuration information in one embodiment.

[0059] Figure 5 This is a flowchart illustrating the process of determining the offsetting / reversal procedure in one embodiment;

[0060] Figure 6 This is a flowchart illustrating a method for processing bank data in another embodiment;

[0061] Figure 7 This is a flowchart illustrating the process of querying business data change records in one embodiment;

[0062] Figure 8 This is a schematic diagram of the overall process of offsetting accounts in one embodiment;

[0063] Figure 9 This is a flowchart illustrating the process for determining the offsetting / reversal procedure in another embodiment;

[0064] Figure 10 This is a structural block diagram of a bank data processing device in one embodiment;

[0065] Figure 11 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0066] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0067] It should be noted that the terms "first," "second," etc., used in this application can be used to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish the first element from the second element. The terms "comprising" and "having," and any variations thereof, used in this application, are intended to cover non-exclusive inclusion. The term "multiple" used in this application refers to two or more. The term "and / or" used in this application refers to one of the embodiments, or any combination of multiple embodiments.

[0068] The bank data processing method provided in this application embodiment can be applied to, for example... Figure 1 The bank distributed system 100 shown includes a core transaction center 101 and multiple business centers 102, which are connected via network communication. The core transaction center 101 may be configured with a data storage system or database, which can be a local or remote database, including business databases, and can be used to store transaction logs, business data change records, reversal configuration information, and other related data. The core transaction center 101 can execute the bank data processing method provided in this application. Each business center 102 can be responsible for specific business areas, such as deposits, loans, and payments, and is used to receive reversal instructions sent by the core transaction center 101 and process the target business data according to the reversal processing method indicated by the reversal instructions. The core transaction center 101 can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services.

[0069] In one exemplary embodiment, such as Figure 2 As shown, a method for processing bank data is provided, including steps 202 to 210. Wherein:

[0070] Step 202: Receive the offset request and obtain the target transaction flow corresponding to the offset request.

[0071] The reversal request can be understood as a reversal or offset application, and it can come from the bank counter system, mobile banking, self-service equipment, third-party system, etc. This application does not limit it.

[0072] In addition, the target transaction flow can be understood as the unified transaction flow that can be identified by the bank's core transaction system.

[0073] It is understandable that different parties initiate reversal requests, and the corresponding formats of their transaction records are usually different. In order to ensure the consistency of data processing, transaction records of different formats can be uniformly processed into identifiable target transaction records.

[0074] Optionally, the offsetting request can be parsed first to obtain the initiator of the offsetting request. Then, if the initiator is a channel system, the initiator's transaction data of the channel system can be converted into the target transaction data according to a preset format. The channel system includes electronic channels or self-service channels. If the initiator is a counter system, the transaction data in the offsetting request can be determined as the target transaction data.

[0075] There are multiple ways to convert the initiator's transaction data into the target transaction data. For example, the initiator's transaction data can be converted according to a preset format to obtain a unified target transaction data, or the initiator's transaction data can be mapped according to a preset mapping relationship to obtain the target transaction data, etc. This application does not limit the specific methods used.

[0076] In addition, when the initiator is the counter system, since the transaction flow corresponding to the counter system is a transaction flow that can be recognized by the core transaction system, there is no need to perform format conversion or mapping processing. The transaction flow in the offset request can be directly used as the target transaction flow.

[0077] Step 204: Identify at least one associated business center corresponding to the target transaction flow.

[0078] It is understandable that there are usually multiple business centers in a banking system, and different business centers are usually responsible for different businesses. For example, the deposit center is responsible for handling account opening, closing, balance updates, and other businesses, while the payment center is responsible for handling transfers and remittances. This application does not limit this.

[0079] In this context, the associated business center can be understood as the business center that participates in processing the transaction corresponding to the target transaction flow when the original transaction corresponding to the target transaction flow occurs. A transaction may be completed collaboratively by one or more business centers, and correspondingly, a target transaction flow may correspond to one or more associated business centers, etc. This application does not limit this.

[0080] In this embodiment, the associated business centers corresponding to the target transaction flow can be identified first to accurately locate all business centers that participated in the original transaction processing. This avoids missing data processing of relevant business centers during the reversal process, providing conditions for ensuring the accuracy and integrity of subsequent reversal processing, and effectively ensuring the consistency, reliability and security of data in the bank's distributed system.

[0081] Step 206: Based on the target transaction flow and associated business centers, determine the business data change records and reversal configuration information.

[0082] Among them, the business data change record can be the content recorded when adding, modifying, or deleting business data during the original transaction execution process, and can be used to record data status information before and after the change, etc. This application does not limit it.

[0083] In addition, the offsetting configuration information can be pre-configured processing rules for different transaction types, which may include offsetting granularity, field processing rules, etc. This application does not limit this.

[0084] Optionally, an exemplary reversal configuration can be as follows: the transaction code is 001001 (transfer business), the reversal granularity is field-level reversal, the database table name is ACCOUNT_BALANCE (account balance), the field to be reversed is the balance, the field processing rule is to revert to the previous value, the special field processing method is that the balance field is not allowed to be partially reversed, the pre-reversal check is to check whether the account status is normal, and the post-reversal check is to check whether the balance after reversal is consistent with the original balance before the transaction.

[0085] It should be noted that the above examples are merely illustrative and should not be construed as limiting the specific content of the reversal configuration information in the embodiments of this application. Therefore, in the embodiments of this application, business data change records can be obtained through the target transaction flow and associated business centers to accurately locate the specific data changes of the transaction under each associated business center, ensuring the accuracy and integrity of the data. Simultaneously, the obtained reversal configuration information allows the reversal process to be uniformly processed according to the preset configuration information. Thus, while ensuring the accuracy of the reversal processing, processing efficiency is significantly improved, providing a foundation for subsequently determining a reliable reversal processing method.

[0086] Step 208: Determine the reversal processing method based on the business data change records and reversal configuration information.

[0087] The reversal and erasure processing method can be understood as a specific reversal and erasure execution plan, which may include the data to be processed, the reversal and erasure granularity, and field processing rules, etc. It can serve as a unified standard for subsequent reversal and erasure operations in various related business centers, ensuring that the reversal and erasure operations of all related business centers are consistent.

[0088] The data to be processed can be fields that have changed before and after the transaction. For example, if the "balance" is different before and after the transaction, the "balance" can be identified as the data to be processed. This application does not limit this.

[0089] In addition, the granularity of the write-off can be the data range of the write-off operation, which can be the write-off of the entire data or the write-off of a specified field, etc. This application does not limit this.

[0090] In addition, there can be various field processing rules, such as rollback based on the value before the change, differential update, etc. This application does not limit these rules.

[0091] For example, if the business data change record determines that account A's balance before the change was 500 yuan and the balance after the change is 450 yuan, and account B's balance before the change was 300 yuan and the balance after the change is 350 yuan, the corresponding reversal configuration information is: reversal according to the specified field, rollback according to the value before the change, that is, rollback all changed fields to their original state before the transaction was executed. The business data change record shows that the "balance" of both account A and account B has changed, so the data to be processed is the "balance". The previous value of account A's "balance" was 500 yuan, and the previous value of account B's "balance" was 300 yuan. Therefore, the determined reversal processing method can be: rollback the "balance" in accounts A and B according to the value before the change, that is, rollback to the original state before the change: 500 yuan and 300 yuan respectively.

[0092] It should be noted that the above examples are merely illustrative and should not be construed as limiting the business data change records, reversal configuration information, and reversal processing methods in the embodiments of this application.

[0093] It is understandable that for the same target transaction, if multiple related business centers are involved, the data changes and their directions will differ due to the different operations performed by each center in the original transaction (e.g., center A is responsible for disbursement, center B for recording). For example, center A's account balance might decrease by 50 yuan, while center B's account balance might increase by 50 yuan. Therefore, the specific implementation of the reversal processing methods determined for each related business center may differ. However, these different reversal processing methods are all determined based on the business data change records of the same target transaction and unified reversal configuration information. They are all aimed at restoring the data of each related business center to its original state before the transaction execution. Therefore, they can effectively ensure the consistency and synchronization of data processing among the related business centers, thereby ensuring the overall consistency of data in the bank's distributed system.

[0094] Therefore, in this embodiment of the application, by processing the business data change records and reversal configuration information, the corresponding reversal processing method can be determined, thereby effectively reducing the occurrence of erroneous or missed reversals and ensuring the accuracy of the reversal data.

[0095] Step 210: Send a reversal instruction to the associated business center. The reversal instruction is used to instruct the associated business center to reverse the target business data in accordance with the reversal processing method.

[0096] Understandably, after determining the reversal processing method, the core transaction center can send reversal instructions to all related business centers. Upon receiving these instructions, each related business center can execute a unified reversal operation based on the specified processing method, effectively avoiding data inconsistencies caused by different operations across business centers. Furthermore, each related business center can directly execute the received reversal processing method without individual judgment or configuration, effectively reducing operational redundancy, ensuring the accuracy of the entire reversal process, and enabling collaborative reversal processing of target business data across related business centers. This achieves consistency in multi-business-center collaborative reversal processing, ensuring data synchronization and consistency across business centers, thereby improving the data accuracy and reliability of the banking system.

[0097] Understandably, after sending the reversal instruction to the relevant business center, it is possible to determine whether the reversal process was successfully completed based on the processing status of each relevant business center.

[0098] Optionally, the reversal process can be determined to be successful if the target business data of all related business centers is successfully processed and the post-reversal check is passed. Alternatively, the reversal process can be determined to be unsuccessful if the target business data of any related business center fails to be processed or the post-reversal check of any related business center fails to pass, and the data modified by the related business center that has performed the reversal operation can be restored.

[0099] The target business data refers to the business data to be processed corresponding to the associated business center.

[0100] In addition, post-reversal checks can be understood as verification and checks performed on the target business data after the reversal operation is completed in the associated business center. This can verify whether the data after reversal is correct, whether it has been restored to a legal state, and whether it conforms to preset business rules and data specifications. For example, it can check whether the account balance is correct, whether the data status is legal, and whether the business logic is correct. This application does not limit this.

[0101] Optionally, after sending the reversal instruction to the associated business center, the system can receive the response messages returned by each associated business center and determine whether each associated business center has reversed its corresponding target business data based on the response messages.

[0102] Understandably, a reversal process is only considered successful when all reversal operations across all related business centers are executed successfully and all post-reversal checks at all business centers pass verification. If any reversal operation fails at any related business center, or if any post-reversal check at any related business center fails, the reversal process is deemed a failure. In this case, the data modified by the related business centers that have already undergone the reversal operation is rolled back to its state before the operation. Therefore, through globally unified judgment and recovery operations, issues such as data inconsistency across business centers can be effectively avoided, ensuring that the data state of all related business centers remains consistent. This fundamentally improves the consistency, reliability, and security of reversal processing in the distributed banking system, effectively guaranteeing the accuracy and stability of the bank's core business data.

[0103] In the aforementioned bank data processing method, a reversal request can be received first, and the target transaction flow corresponding to the reversal request can be obtained. Then, at least one associated business center corresponding to the target transaction flow can be identified. Based on the target transaction flow and the associated business center, the business data change record and reversal configuration information can be determined. Next, based on the business data change record and reversal configuration information, the reversal processing method can be determined, and a reversal instruction can be sent to the associated business center. The reversal instruction instructs the associated business center to perform reversal processing on the target business data according to the reversal processing method. Therefore, a unified reversal processing method can be determined based on the associated business center corresponding to the target transaction flow, combined with the reversal configuration information and business data change record. This allows the target business data of various associated business centers to undergo collaborative reversal processing, achieving consistency in multi-business-center collaborative reversal processing. This ensures that data from multiple business centers remains synchronized and consistent, thereby improving the data accuracy and reliability of the bank system.

[0104] In one exemplary embodiment, such as Figure 3 As shown, the specific processing procedure of step 204 includes steps 302 to 304. Wherein:

[0105] Step 302: Query the business relationship table based on the target transaction flow to obtain at least one business center identifier corresponding to the processed target transaction flow. The business relationship table is used to store the correspondence between transaction flows and business center identifiers.

[0106] The business center identifier can be used to uniquely identify the business center's number, name, etc., and the corresponding business center can be accurately determined based on this identifier. The business relationship table can store the correspondence between transaction records and business center identifiers. A single transaction record can correspond to one or more business center identifiers, etc., and this application does not impose any limitations on this.

[0107] Step 304: Determine at least one associated business center corresponding to the target transaction flow based on at least one business center identifier corresponding to the target transaction flow.

[0108] It is understandable that, since there is a correspondence between business center identifiers and business centers, once at least one business center identifier corresponding to the target transaction is determined, the business center corresponding to that identifier is the identified associated business center. For example, if a business relationship table stores multiple transaction flows and business center identifiers, a search can be performed on the business relationship table based on the current target transaction flow. If multiple business center identifiers exist for the target transaction flow, it can be determined that the transaction is processed collaboratively by the business centers corresponding to these multiple identifiers, i.e., multiple associated business centers exist. If only one business center identifier is found for the target transaction flow, it can be determined that the transaction is processed independently by the business center corresponding to that identifier, i.e., only one associated business center exists, and so on. This application does not impose any limitations on this.

[0109] In this embodiment, querying the target transaction flow through the business relationship table allows for the rapid and comprehensive identification of all business center identifiers that have processed the target transaction flow. Based on each identified business center identifier, the corresponding associated business centers can be accurately matched, thus accurately and completely identifying all associated business centers corresponding to the target transaction flow. Therefore, querying and matching through the business relationship table eliminates the need for manual intervention, effectively improving the efficiency of identifying associated business centers while ensuring the accuracy and completeness of the results. This fundamentally avoids data inconsistencies caused by the omission of any business center, providing a foundation for subsequent unified reversal processing and effectively improving the completeness and reliability of the reversal process.

[0110] In one exemplary embodiment, such as Figure 4 As shown, the specific processing procedure of step 206 includes steps 402 to 404. Wherein:

[0111] Step 402: Extract the business data change records corresponding to the target transaction flow from the business data records corresponding to each associated business center in the business database.

[0112] The business database can store business data change records corresponding to the processing of transactions by various business centers. To facilitate data management and consistency, rules for business data change records can be pre-configured, including transaction codes, database table names, table primary key information, field information, etc. It supports configuring specific business data record rules for specific transactions, and can also parameterize the business tables that need to be logged, as well as the fields in the business tables that need to be logged. For example, wildcards can be set to indicate that all field data should be logged. This application does not impose any limitations on this.

[0113] It is understood that in this embodiment, the business data records corresponding to each associated business center can be found first in the business database. Then, business data change records corresponding to the target transaction flow can be further extracted from these records. This improves the accuracy and reliability of data acquisition, avoids redundant information, and creates conditions for improving data processing efficiency in the future.

[0114] Optionally, there are multiple ways to extract the business data change records corresponding to the target transaction flow. For example, one can first find all the business data records corresponding to the target transaction flow in the business database, and then further extract the business data records corresponding to the associated business center from all the above business data records, thereby determining the business data change records corresponding to the target transaction flow, etc. This application does not limit this.

[0115] Step 404: Based on the transaction code associated with the target transaction flow, query the corresponding offsetting configuration information in the offsetting configuration library. The transaction code is used to represent the business type.

[0116] The reversal configuration library can store various reversal configuration information, which corresponds to different business types. Businesses of the same type typically have the same reversal configuration information, while different types typically have different configuration information. Therefore, in this embodiment, to facilitate data management, data unification, and data retrieval, unified configuration of business data reversal information can be performed in advance. This configuration may include reversal methods, transaction codes, database table names, fields, special field handling methods, whether data changes allow reversal, data change reversal methods, pre-reversal checks, custom reversal methods, post-reversal checks, etc. Thus, in this embodiment, the transaction code indexing method ensures the matching of reversal processing with business types, achieving unified and configurable processing.

[0117] The method of erasing data can also be called the granularity of erasing data, such as erasing the entire data record, erasing a specified field, etc. This application does not limit this.

[0118] In this embodiment, business data change records corresponding to the target transaction flow can be extracted from the business data records of each associated business center in the business database. Then, based on the transaction code associated with the target transaction flow, the corresponding reversal configuration information can be queried in the reversal configuration database. This allows for accurate acquisition of the data and rules required for reversal, effectively ensuring that business data change records match the reversal configuration information, thereby improving information acquisition efficiency and accuracy, and providing conditions for a unified reversal processing method in the future.

[0119] In one exemplary embodiment, such as Figure 5As shown, the specific processing procedure of step 208 includes steps 502 to 506. Wherein:

[0120] Step 502: Determine the granularity of the washout and the field processing rules from the washout configuration information. The granularity of the washout includes washing out the entire data or washing out a specified field.

[0121] The reversal configuration information can be pre-configured reversal rules. The reversal granularity can characterize the data scope of the reversal operation, including reversing the entire data entry or reversing a specified field. Reversing the entire data entry means reversing the entire business data corresponding to the transaction, while reversing a specified field means reversing a specific field in the business data, such as reversing only "amount" or "balance." This application does not impose any limitations on this.

[0122] In addition, field processing rules can be understood as specific rules for reversing or erasing business data fields. For example, it can be to roll back to the value before the change, or to update the difference, or other rules, etc. This application does not limit this.

[0123] Among them, the difference offset update can be understood as processing the difference between the original value after the change and the original value before the change in the business data change record. The difference between the original value after the change and the original value before the change can be calculated first, and then the current value can be subtracted from the difference. The result is the value after offset, etc. This application does not limit this.

[0124] Step 504: Determine the data to be processed from the changed data in the business data change record.

[0125] The business data change record stores relevant data and its change information. To reduce data processing volume and improve efficiency, changed data can be identified as data to be processed, that is, fields that change before and after a transaction can be identified as data to be processed. For example, if the "balance" is different before and after a transaction, then it can be determined that the "balance" has changed, and the "balance" can be identified as data to be processed, etc. This application does not limit this.

[0126] Step 506: Determine the reversal / reversal processing method based on the reversal granularity, field processing rules, and data to be processed.

[0127] Understandably, after determining the granularity of the write-off, the field processing rules, and the data to be processed, the corresponding write-off processing method can be determined as follows: process the data to be processed according to the granularity of the write-off and the field processing rules. For example, if the write-off granularity is: write off the entire data record, the field processing rule is: update to the value before the change, and the data to be processed is: all fields of the entire business data record, then the corresponding write-off processing can be: update all fields of the entire business data record to the "value before the change" in the business data change record. Or, if the write-off granularity is: write off a specified field, the field processing rule is: write off the difference, and the data to be processed is the "balance" field, then the corresponding write-off processing rule is: perform a difference write-off on the "balance" field, and the result is the balance after the write-off.

[0128] It should be noted that the above examples are merely illustrative and should not be construed as limiting the methods of offsetting or clearing accounts in the embodiments of this application.

[0129] Optionally, when the erasure granularity is specified field erasure and the field processing rule is update according to the value before the change, the reversal and erasure processing method is determined to be restoring the specified field in the data to be processed to the value before the change. When the erasure granularity is specified field erasure and the field processing rule is update according to the difference, the reversal and erasure processing method is determined to perform difference erasure update on the data to be processed based on the difference before and after the specified field change. When the erasure granularity is the entire data record erasure and the field processing rule is update according to the value before the change, the reversal and erasure processing method is determined to restore the entire business data record corresponding to the data to be processed to the value before the change.

[0130] Restoring a specified field to its value before the change can also be referred to as restoring a specified field to its value before the transaction, restoring a specified field to its value before the update, etc. This application does not limit it in this way.

[0131] For example, consider the following business data change records: Account A's balance before the change was 500 yuan, and after the change it was 450 yuan; Account B's balance before the change was 300 yuan, and after the change it was 350 yuan. Since the "balance" differs before and after the transaction, the "balance" can be identified as data to be processed.

[0132] When the granularity of the write-off is specified as the write-off field and the field processing rule is to update according to the value before the change, the corresponding write-off processing method can be determined as follows: restore the balance field of account A to the previous value of 500 yuan, and restore the balance field of account B to the previous value of 300 yuan.

[0133] When the granularity of the offset is offset with a specified field and the field processing rule is offset update with difference, the corresponding offset processing method can be determined as follows: The difference between the balance of account A before and after the change is 450-500=-50 yuan. Subtract this difference from the current balance, i.e., 450-(-50)=500 yuan; The difference between the balance of account B before and after the change is 350-300=50 yuan. Subtract this difference from the current balance, i.e., 350-50=300 yuan.

[0134] When the granularity of the write-off is the write-off of the entire data record and the field processing rule is to update according to the value before the change, the corresponding write-off processing method can be determined as follows: restore the entire business data record corresponding to account A and account B to the complete data state before the original transaction was executed.

[0135] It should be noted that the above examples are merely illustrative and should not be taken as specific limitations on the granularity of write-offs, field processing rules, and write-off processing methods in the embodiments of this application.

[0136] Therefore, in this embodiment of the application, by distinguishing different offsetting granularities and field processing rules, the matching offsetting processing method can be determined in a targeted manner to ensure the accuracy and reliability of the offsetting operation.

[0137] In this embodiment, the granularity of account reversal and the field processing rules can be determined first from the reversal configuration information. Then, the data to be processed can be determined from the changed data in the business data change record. Based on the granularity of account reversal, the field processing rules, and the data to be processed, the reversal processing method can be determined. Thus, by parsing the granularity of account reversal and the field processing rules, and accurately locating the data to be processed, the corresponding reversal processing method can be determined. This achieves standardization and accuracy in the reversal operation, reduces invalid data processing, improves processing efficiency, and effectively avoids problems such as erroneous reversal, omissions, or inconsistent reversal methods. It provides a unified execution basis for subsequent collaborative execution of reversal operations by various related business centers, further ensuring the accuracy and reliability of the reversal processing.

[0138] In one exemplary embodiment, such as Figure 6 As shown, a method for processing bank data is provided, including steps 602 to 618. Wherein:

[0139] Step 602: Receive the offset request and obtain the target transaction flow corresponding to the offset request.

[0140] Step 604: Identify at least one associated business center corresponding to the target transaction flow.

[0141] Upon receiving a reversal request, the core transaction center can parse and process the request to determine the initiator. If the initiator is a channel system, the transaction data from the channel system is converted into the target transaction data according to a preset format. The channel system includes electronic channels or self-service channels. If the initiator is a counter system, the transaction data in the reversal request is determined as the target transaction data.

[0142] Step 606: Extract the business data change records corresponding to the target transaction flow from the business data records corresponding to each associated business center in the business database.

[0143] Step 608: Based on the transaction code associated with the target transaction flow, query the corresponding offsetting configuration information in the offsetting configuration library. The transaction code is used to represent the business type.

[0144] like Figure 7 As shown, after receiving a reversal request, the core transaction center can first convert the initiating transaction into the target transaction, and then continue to query other transaction information and transaction status. Afterwards, it can query the business database based on the target transaction and the associated business center identifier. First, it extracts the business data change records corresponding to the target transaction from the business data records corresponding to each associated business center in the business database. Then, based on the transaction code associated with the target transaction, it queries the corresponding reversal configuration information in the reversal configuration database.

[0145] Step 610: Determine the granularity of the washout and the field processing rules from the washout configuration information. The granularity of the washout includes washing out the entire data or washing out a specified field.

[0146] Step 612: Determine the data to be processed from the changed data in the business data change record.

[0147] Step 614: Determine the reversal / reversal processing method based on the reversal granularity, field processing rules, and data to be processed.

[0148] Step 616: Send a reversal instruction to the associated business center. The reversal instruction is used to instruct the associated business center to reverse the target business data in accordance with the reversal processing method.

[0149] The following is combined with Figure 8 A brief explanation of the processing procedure for the bank data provided in this application is provided.

[0150] First, the system can receive reversal requests and obtain the target transaction flow corresponding to the request. If it's a counter system, the transaction flow in the request can be directly identified as the target transaction flow. If it's an electronic channel or self-service channel, the initiator's transaction flow can be converted into the target transaction flow according to a preset format. Then, the core transaction center can first identify at least one associated business center corresponding to the target transaction flow. Next, based on the target transaction flow and the associated business centers, it determines the business data change records and reversal configuration information. Based on these information, it determines the reversal processing method, performs a reversal check, and sends the reversal instruction to the associated business centers. If the associated business centers are Business Center A, Business Center B, and Business Center C, then Business Center A, Business Center B, and Business Center C can perform the reversal according to the received reversal instruction. This can be done sequentially, in parallel, etc., and this application does not limit this.

[0151] Afterwards, the core transaction center can update the transaction status and end the reversal process after reversing the transactions in all related business centers.

[0152] Optionally, the business center can perform specific reversal logic processing according to actual business needs. After the reversal process begins, it can call the transaction center's reversal processing, that is, call the unified reversal processing method provided in this application, and then register the reversal details.

[0153] Among them, after the calling process begins, it can also be like this: Figure 9 As shown, the core transaction center can first determine if a pre-wipe check is configured. If so, the pre-wipe check process needs to be performed first. Then, it can further determine the wipe method, i.e., the wipe granularity, which can be divided into wiping the entire data record or wiping a specified field in the table. Next, it can further determine the field processing rules, deciding whether to update based on the previous value or wipe based on the difference. Finally, it can further determine if a post-wipe check is configured. If so, the post-wipe check process needs to be performed; otherwise, it is not required.

[0154] In this embodiment, a unified reversal processing method can be determined based on the associated business center corresponding to the target transaction flow, combined with the reversal configuration information and business data change records. This enables the target business data of each associated business center to be reversed collaboratively, achieving consistency in the collaborative reversal processing of multiple business centers. As a result, the data of multiple business centers can be kept synchronized and consistent, thereby improving the data accuracy and reliability of the banking system.

[0155] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages in other steps. It is understood that the steps in different embodiments can be freely combined as needed, and all non-contradictory solutions formed by such combinations are within the scope of protection of this application.

[0156] Based on the same inventive concept, this application also provides a bank data processing apparatus for implementing the bank data processing method described above. The solution provided by this apparatus is similar to the implementation described in the above method; therefore, the specific limitations in one or more bank data processing apparatus embodiments provided below can be found in the limitations of the bank data processing method described above, and will not be repeated here.

[0157] In one exemplary embodiment, such as Figure 10 As shown, a bank data device 1000 is provided, including: an acquisition module 1010, a first determination module 1020, a second determination module 1030, a third determination module 1040, and a transmission module 1050, wherein:

[0158] The acquisition module 1010 is used to receive the offsetting request and acquire the target transaction flow corresponding to the offsetting request.

[0159] The first determining module 1020 is used to determine at least one associated business center corresponding to the target transaction flow.

[0160] The second determining module 1030 is used to determine business data change records and reversal configuration information based on the target transaction flow and the associated business center.

[0161] The third determining module 1040 is used to determine the reversal processing method based on the business data change record and the reversal configuration information.

[0162] The sending module 1050 is used to send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0163] In one embodiment, the acquisition module 1010 is specifically used for:

[0164] The request to reverse or erase accounts is parsed to obtain the initiator of the request.

[0165] When the initiator is a channel system, the initiator's transaction data of the channel system is converted into the target transaction data according to a preset format, wherein the channel system includes electronic channels or self-service channels;

[0166] When the initiator is a counter system, the transaction flow in the offset request is identified as the target transaction flow.

[0167] In one embodiment, the first determining module 1020 is specifically used for:

[0168] The business relationship table is queried based on the target transaction flow to obtain at least one business center identifier corresponding to the target transaction flow that has been processed. The business relationship table is used to store the correspondence between transaction flow and business center identifier.

[0169] Based on at least one business center identifier corresponding to the target transaction flow, determine at least one associated business center corresponding to the target transaction flow.

[0170] In one embodiment, the second determining module 1030 is specifically used for:

[0171] Extract the business data change records corresponding to the target transaction flow from the business data records corresponding to each of the associated business centers in the business database;

[0172] Based on the transaction code associated with the target transaction flow, the corresponding reversal configuration information is queried in the reversal configuration library. The transaction code is used to represent the business type.

[0173] In one embodiment, the third determining module 1040 is specifically used for:

[0174] The granularity of the write-off and the field processing rules are determined from the write-off configuration information. The granularity of the write-off includes writing off the entire data or writing off a specified field.

[0175] The data to be processed is determined from the changed data in the business data change record;

[0176] The method for reversing or erasing accounts is determined based on the granularity of the account reversal, the field processing rules, and the data to be processed.

[0177] In one embodiment, the apparatus further includes a fourth determining module, configured to:

[0178] If the target business data in all related business centers has been successfully processed and the post-reversal checks have all passed, the reversal process is considered successful.

[0179] If the target business data processing fails in any associated business center, or if the post-reversal check for any associated business center fails, the reversal process is determined to have failed, and the data modified by the associated business center that has performed the reversal operation is restored.

[0180] Each module in the aforementioned bank data processing device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the operations corresponding to each module.

[0181] In one exemplary embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 11 As shown, this computer device includes a processor, memory, input / output (I / O) interfaces, and a communication interface. The processor, memory, and I / O interfaces are connected via a system bus, and the communication interface is also connected to the system bus via the I / O interfaces. The processor provides computational and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides the environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores data required for processing bank data. The I / O interfaces allow the processor to exchange information with external devices. The communication interface allows communication with external terminals via a network connection. When executed by the processor, the computer program implements a bank data processing method.

[0182] Those skilled in the art will understand that Figure 11 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0183] In one exemplary embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to perform the following steps:

[0184] Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request;

[0185] Identify at least one associated business center corresponding to the target transaction flow;

[0186] Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information;

[0187] Based on the business data change records and the reversal configuration information, determine the reversal processing method;

[0188] Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0189] In one embodiment, the processor, when executing a computer program, also performs the following steps:

[0190] The offset request is parsed to obtain the initiator of the offset request; if the initiator is a channel system, the initiator's transaction data of the channel system is converted into the target transaction data according to a preset format, wherein the channel system includes electronic channels or self-service channels; if the initiator is a counter system, the transaction data in the offset request is determined as the target transaction data.

[0191] In one embodiment, the processor, when executing a computer program, also performs the following steps:

[0192] The business relationship table is queried based on the target transaction flow to obtain at least one business center identifier corresponding to the target transaction flow. The business relationship table is used to store the correspondence between transaction flows and business center identifiers. Based on the at least one business center identifier corresponding to the target transaction flow, at least one associated business center corresponding to the target transaction flow is determined.

[0193] In one embodiment, the processor, when executing a computer program, also performs the following steps:

[0194] Extract the business data change record corresponding to the target transaction flow from the business data record corresponding to each associated business center in the business database; query the corresponding reversal configuration information in the reversal configuration library according to the transaction code associated with the target transaction flow, where the transaction code is used to represent the business type.

[0195] In one embodiment, the processor, when executing a computer program, also performs the following steps:

[0196] The granularity of the write-off and the field processing rules are determined from the write-off configuration information. The write-off granularity includes writing off the entire data record or writing off a specified field. The data to be processed is determined from the changed data in the business data change record. The write-off processing method is determined according to the write-off granularity, the field processing rules and the data to be processed.

[0197] In one embodiment, the processor, when executing a computer program, also performs the following steps:

[0198] If the target business data in all related business centers is successfully processed and the post-reversal checks are all passed, the reversal process is considered successful. If the target business data in any related business center fails to be processed, or the post-reversal check for any related business center fails, the reversal process is considered unsuccessful, and the data modified in the related business center where the reversal operation was performed is restored.

[0199] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon, the computer program performing the following steps when executed by a processor:

[0200] Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request;

[0201] Identify at least one associated business center corresponding to the target transaction flow;

[0202] Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information;

[0203] Based on the business data change records and the reversal configuration information, determine the reversal processing method;

[0204] Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0205] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0206] The offset request is parsed to obtain the initiator of the offset request; if the initiator is a channel system, the initiator's transaction data of the channel system is converted into the target transaction data according to a preset format, wherein the channel system includes electronic channels or self-service channels; if the initiator is a counter system, the transaction data in the offset request is determined as the target transaction data.

[0207] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0208] The business relationship table is queried based on the target transaction flow to obtain at least one business center identifier corresponding to the target transaction flow. The business relationship table is used to store the correspondence between transaction flows and business center identifiers. Based on the at least one business center identifier corresponding to the target transaction flow, at least one associated business center corresponding to the target transaction flow is determined.

[0209] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0210] Extract the business data change record corresponding to the target transaction flow from the business data record corresponding to each associated business center in the business database; query the corresponding reversal configuration information in the reversal configuration library according to the transaction code associated with the target transaction flow, where the transaction code is used to represent the business type.

[0211] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0212] The granularity of the write-off and the field processing rules are determined from the write-off configuration information. The write-off granularity includes writing off the entire data record or writing off a specified field. The data to be processed is determined from the changed data in the business data change record. The write-off processing method is determined according to the write-off granularity, the field processing rules and the data to be processed.

[0213] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0214] If the target business data in all related business centers is successfully processed and the post-reversal checks are all passed, the reversal process is considered successful. If the target business data in any related business center fails to be processed, or the post-reversal check for any related business center fails, the reversal process is considered unsuccessful, and the data modified in the related business center where the reversal operation was performed is restored.

[0215] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, performs the following steps:

[0216] Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request;

[0217] Identify at least one associated business center corresponding to the target transaction flow;

[0218] Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information;

[0219] Based on the business data change records and the reversal configuration information, determine the reversal processing method;

[0220] Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

[0221] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0222] The business relationship table is queried based on the target transaction flow to obtain at least one business center identifier corresponding to the target transaction flow. The business relationship table is used to store the correspondence between transaction flows and business center identifiers. Based on the at least one business center identifier corresponding to the target transaction flow, at least one associated business center corresponding to the target transaction flow is determined.

[0223] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0224] Extract the business data change record corresponding to the target transaction flow from the business data record corresponding to each associated business center in the business database; query the corresponding reversal configuration information in the reversal configuration library according to the transaction code associated with the target transaction flow, where the transaction code is used to represent the business type.

[0225] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0226] The granularity of the write-off and the field processing rules are determined from the write-off configuration information. The write-off granularity includes writing off the entire data record or writing off a specified field. The data to be processed is determined from the changed data in the business data change record. The write-off processing method is determined according to the write-off granularity, the field processing rules and the data to be processed.

[0227] In one embodiment, when the computer program is executed by a processor, it also performs the following steps:

[0228] If the target business data in all related business centers is successfully processed and the post-reversal checks are all passed, the reversal process is considered successful. If the target business data in any related business center fails to be processed, or the post-reversal check for any related business center fails, the reversal process is considered unsuccessful, and the data modified in the related business center where the reversal operation was performed is restored.

[0229] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of the relevant data must comply with relevant regulations.

[0230] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, artificial intelligence (AI) processors, etc., and are not limited to these.

[0231] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0232] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A method for processing bank data, characterized in that, The method includes: Receive a reverse transaction request and obtain the target transaction flow corresponding to the reverse transaction request; Identify at least one associated business center corresponding to the target transaction flow; Based on the target transaction flow and the associated business center, determine the business data change records and reversal configuration information; Based on the business data change records and the reversal configuration information, determine the reversal processing method; Send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

2. The method according to claim 1, characterized in that, Obtaining the target transaction record corresponding to the reversal request includes: The request to reverse or erase accounts is parsed to obtain the initiator of the request. When the initiator is a channel system, the initiator's transaction data of the channel system is converted into the target transaction data according to a preset format, wherein the channel system includes electronic channels or self-service channels; When the initiator is a counter system, the transaction flow in the offset request is identified as the target transaction flow.

3. The method according to claim 1, characterized in that, The determination of at least one associated business center corresponding to the target transaction flow includes: The business relationship table is queried based on the target transaction flow to obtain at least one business center identifier corresponding to the target transaction flow that has been processed. The business relationship table is used to store the correspondence between transaction flow and business center identifier. Based on at least one business center identifier corresponding to the target transaction flow, determine at least one associated business center corresponding to the target transaction flow.

4. The method according to claim 1, characterized in that, The step of determining business data change records and reversal configuration information based on the target transaction flow and the associated business center includes: Extract the business data change records corresponding to the target transaction flow from the business data records corresponding to each of the associated business centers in the business database; Based on the transaction code associated with the target transaction flow, the corresponding reversal configuration information is queried in the reversal configuration library. The transaction code is used to represent the business type.

5. The method according to claim 1, characterized in that, The step of determining the reversal processing method based on the business data change records and the reversal configuration information includes: The granularity of the write-off and the field processing rules are determined from the write-off configuration information. The granularity of the write-off includes writing off the entire data or writing off a specified field. The data to be processed is determined from the changed data in the business data change record; The method for reversing or erasing accounts is determined based on the granularity of the account reversal, the field processing rules, and the data to be processed.

6. The method according to claim 5, characterized in that, The step of determining the reversal processing method based on the reversal granularity, the field processing rules, and the data to be processed includes: When the granularity of the write-off is to write off a specified field and the field processing rule is to update according to the value before the change, the write-off processing method is to restore the specified field in the data to be processed to the value before the change. When the granularity of the offsetting is offsetting a specified field and the field processing rule is updating the offsetting according to the difference, the offsetting processing method is determined to be to update the data to be processed by offsetting the difference based on the difference before and after the change of the specified field. When the granularity of the write-off is the write-off of the entire data record and the field processing rule is to update according to the value before the change, the write-off processing method is to restore the entire business data record corresponding to the data to be processed to the value before the change.

7. The method according to claim 1, characterized in that, After sending the reversal instruction to the associated business center, the method further includes: If the target business data in all related business centers has been successfully processed and the post-reversal checks have all passed, the reversal process is considered successful. If the target business data processing fails in any associated business center, or if the post-reversal check for any associated business center fails, the reversal process is determined to have failed, and the data modified by the associated business center that has performed the reversal operation is restored.

8. A bank data processing apparatus, characterized in that, The device includes: The acquisition module is used to receive reversal requests and acquire the target transaction flow corresponding to the reversal request; The first determining module is used to determine at least one associated business center corresponding to the target transaction flow; The second determining module is used to determine business data change records and reversal configuration information based on the target transaction flow and the associated business center; The third determining module is used to determine the reversal processing method based on the business data change records and the reversal configuration information. The sending module is used to send a reversal instruction to the associated business center, the reversal instruction being used to instruct the associated business center to reverse the target business data according to the reversal processing method.

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

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

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