Financial Data Processing Method and Apparatus Based on Virtual Node Technology

Abstract

This invention provides a financial data processing method and apparatus based on virtual node technology, relating to the field of financial data processing. The method includes: responding to the detection that the health of an external link corresponding to an external system is lower than a preset health level, triggering a switch of the external link's data channel to a preset business estimation mode; in the preset business estimation mode, responding to a failed request for external data corresponding to the external system, generating a virtual node marked as being in an estimated state locally based on the context data of the upstream corresponding to the external data, driving and estimating the non-critical path business data of the downstream corresponding to the external data based on the virtual node, and continuously retrying the connection to the external system in the local background until the actual external data is obtained; responding to the recovery of the external link and the acquisition of the actual external data, comparing the actual external data with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain the comparison result, and processing the virtual node based on the comparison result.

Description

Technical Field

[0001] This application relates to the field of financial data processing technology, and in particular to a financial data processing method and apparatus based on virtual node technology. Background Technology

[0002] Currently, the "no-reimbursement" model essentially involves real-time interconnection between an enterprise's internal ERP (Enterprise Resource Planning) system and external systems. However, the stability (SLA) of external systems such as banks, tax authorities, and merchants is often lower than the enterprise's internal requirements. For example, bank systems may stop operating at the end of the day, and invoice cloud platforms may crash due to high concurrency. In the traditional model, interruptions in these external system connections can cause expense reports to freeze, preventing accounting entries and even affecting month-end closing. In existing technologies, if the interface of an external system malfunctions, the internal system's business processes directly stop with a system error, resulting in a poor user experience. Summary of the Invention

[0003] The purpose of this invention is to provide a financial data processing method and apparatus based on virtual node technology to solve the technical problem of reduced user experience due to interruptions in internal business processes.

[0004] In a first aspect, this application provides a financial data processing method based on virtual node technology, the method comprising: In response to detecting that the health of the external link corresponding to the external system is lower than the preset health, the data channel of the external link is switched to the preset service provisioning mode. In the preset business estimation mode, in response to the failure of the request for external data corresponding to the external system, a virtual node marked as estimated is generated locally based on the context data of the upstream corresponding to the external data. The virtual node drives and estimates the non-critical path business data of the downstream corresponding to the external data. The local corresponding background continuously retryes connecting to the external system until the real external data is obtained. In response to the recovery of the external link and the acquisition of the real external data, the real external data is compared with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain the comparison result, and the virtual node is processed based on the comparison result.

[0005] In one possible implementation, processing the virtual node based on the comparison result includes: In response to the comparison result indicating data consistency, the state of the virtual node is changed from the predicted state to the confirmed state and the marked predicted state is cleared. In response to the comparison result indicating a data discrepancy, the node data of the virtual node is updated by performing an atomic correction.

[0006] In one possible implementation, the response to the comparison result indicating a data difference, updating the node data of the virtual node by performing atomic correction, includes: In response to the comparison result indicating a data discrepancy, the original estimated value corresponding to the virtual node is canceled out using a preset red-blue cancellation logic, and the actual value is confirmed based on the real external data to prevent the real external data from being processed repeatedly during network jitter.

[0007] In one possible implementation, after responding to the recovery of the external link and acquiring the real external data, performing a field-level comparison between the real external data and the estimated non-critical path service data corresponding to the virtual node to obtain the comparison result, the method further includes: When the virtual node has been used to generate a preset accounting voucher, in response to the comparison result indicating a data discrepancy, an offsetting voucher is automatically generated based on the virtual node. This offsetting voucher is used to first reverse the estimated voucher and then generate a blue voucher based on the actual external data, so that the accounts match the actual situation.

[0008] In one possible implementation, after responding to the recovery of the external link and acquiring the real external data, performing a field-level comparison between the real external data and the estimated non-critical path service data corresponding to the virtual node to obtain the comparison result, the method further includes: In response to the comparison result showing that the difference in data exceeds a preset difference risk control threshold, an alarm mechanism is triggered, and under the alarm mechanism, the processing task of the real external data is routed to the financial management end.

[0009] In one possible implementation, the virtual node has a corresponding time-to-live; the step of continuously retrying the connection to the external system in the local corresponding background until real external data is obtained includes: The exponential backoff algorithm is used to continuously retry connecting to the external system in the corresponding local backend. If the duration of retrying to connect to the external system exceeds a preset acquisition time limit threshold and the actual external data is not acquired, the external link is identified as an abnormal link, and the link information is sent to the financial management terminal.

[0010] In one possible implementation, the step of driving and predicting downstream non-critical path business data corresponding to the external data based on the virtual node includes: Based on the virtual node driver, the non-critical path business data corresponding to the external data is estimated and the critical path business data corresponding to the external data is set to the pending confirmation queue through soft blocking.

[0011] In one possible implementation, the link health level being lower than the preset health level includes at least one of the following: the external link is interrupted, the data response delay time exceeds a preset duration, the error rate exceeds a preset threshold, the data call success rate is lower than a preset success rate, and the proportion of the external system feedback of preset business semantics exceeds a preset proportion. The context data includes at least one of the following: the amount in the payment request, the transaction counterparty, and the transaction time.

[0012] Secondly, this application provides a financial data processing device based on virtual node technology, comprising: The switching module is used to switch the data channel of the external link to a preset service provisioning mode in response to the detection that the link health of the corresponding external link of the external system is lower than the preset health. The generation module is used to, in the preset business estimation mode, respond to the failure of the request for external data corresponding to the external system, generate a virtual node marked as estimated state locally based on the context data of the upstream corresponding to the external data, drive and estimate the non-critical path business data of the downstream corresponding to the external data based on the virtual node, and continuously retry the connection to the external system in the local corresponding background until the real external data is obtained. The comparison module is used to respond to the recovery of the external link and the acquisition of the real external data, to perform a field-level comparison between the real external data and the estimated non-critical path business data corresponding to the virtual node, to obtain a comparison result, and to process the virtual node based on the comparison result.

[0013] Thirdly, this application also provides an electronic device, including a memory and a processor, wherein the memory stores a computer program that can run on the processor, and the processor executes the computer program to implement the method described in the first aspect above.

[0014] Fourthly, this application also provides a computer-readable storage medium storing computer-executable instructions that, when invoked and executed by a processor, cause the processor to perform the method described in the first aspect above.

[0015] This application brings the following beneficial effects: This application provides a financial data processing method and apparatus based on virtual node technology. In response to detecting that the health of an external link corresponding to an external system is lower than a preset health level, the method triggers a switch of the data channel of the external link to a preset business estimation mode. In this preset business estimation mode, in response to a failed request for external data from the external system, a virtual node marked as being in an estimated state is generated locally based on the context data of the upstream of the external data. This virtual node drives and estimates the non-critical path business data of the downstream of the external data. The method continuously retryes connecting to the external system in the local background until the actual external data is obtained. The method responds to the recovery of the external link and the acquisition of the actual external data. The solution involves comparing the actual external data with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain a comparison result, and then processing the virtual node based on the comparison result. In this solution, for situations where the external link corresponding to the external system encounters problems, the synchronous blocking dependency caused by the external link problem is transformed into an asynchronous estimated flow through the business provisional estimation of the virtual node. This realizes an intermediate estimated processing mechanism for provisional accounting. After the connection of the external link is restored, the virtual node is processed by comparing the estimated data with the actual external data. This ensures that the internal business process can continue to run smoothly without interruption when the external system fails, thereby improving the user experience and solving the technical problem of reduced user experience due to the interruption of the internal business process.

[0016] To make the above-mentioned objectives, features and advantages of this application more apparent and understandable, preferred embodiments are described below in detail with reference to the accompanying drawings. Attached Figure Description

[0017] To more clearly illustrate the technical solutions in the specific embodiments of this application or the prior art, the drawings used in the description of the specific embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of this application. For those skilled in the art, other drawings can be obtained from these drawings without creative effort.

[0018] Figure 1 A flowchart illustrating the financial data processing method based on virtual node technology provided in this application embodiment; Figure 2 In the financial data processing method based on virtual node technology provided in the embodiments of this application, a timing diagram of link interruption fallback and self-healing is included. Figure 3 A schematic diagram of the virtual node state lifecycle in the financial data processing method based on virtual node technology provided in the embodiments of this application; Figure 4A schematic diagram of the structure of a financial data processing device based on virtual node technology provided in this application embodiment; Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of this application is shown. Detailed Implementation

[0019] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0020] The terms "comprising" and "having," and any variations thereof, used in the embodiments of this application, are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or device that includes a series of steps or units is not limited to the steps or units listed, but may optionally include other steps or units not listed, or may optionally include other steps or units inherent to these processes, methods, products, or devices.

[0021] Currently, strong blocking mechanisms are used to address the issue that the stability (SLA) of external systems such as banks, tax bureaus, and merchants is often lower than the enterprise's internal requirements. However, existing systems mostly use synchronous calls, so if the external interface fails, the internal process will directly report an error and stop (System Error), resulting in a very poor user experience. Moreover, manual data correction is required: after data interruption, IT staff often need to fill in the data in the background, or financial staff need to manually enter the data, which can easily lead to data inconsistencies.

[0022] Based on this, the present application provides a financial data processing method and apparatus based on virtual node technology, which can solve the technical problem of reduced user experience due to interruption of internal business processes.

[0023] The embodiments of the present invention will be further described below with reference to the accompanying drawings.

[0024] Figure 1 This is a flowchart illustrating a financial data processing method based on virtual node technology, provided as an embodiment of this application. Figure 1 As shown, the method includes: Step S110: In response to detecting that the link health of the external link corresponding to the external system is lower than the preset health, the data channel of the external link is switched to the preset service provisioning mode.

[0025] As one possible implementation, the above-mentioned link health status is lower than the preset health status, including at least one of the following: external link interruption, data response delay time exceeding the preset duration, error rate exceeding the preset threshold, data call success rate lower than the preset success rate, and the proportion of external system feedback of preset business semantics exceeding the preset proportion.

[0026] During the real-time detection and circuit breaking of link health, for example, the system has a built-in connection sentinel that performs heartbeat monitoring and error rate statistics on APIs of external systems such as bank-enterprise direct connection gateway system, tax invoice cloud system, and third-party merchant system. If a response timeout (e.g., >5s) or consecutive errors (e.g., HTTP 503) are detected to exceed the threshold, the circuit breaking mechanism is immediately triggered, switching the data channel to "Fallback Mode" to prevent business threads from being blocked.

[0027] For the Connection Sentinel and Circuit Breaker controller, an exemplary state machine awareness mechanism is employed: the Sentinel monitors not only TCP connections but also business semantics. For instance, if the percentage of "processing" responses from a bank's API spikes, it's considered a business degradation.

[0028] The aforementioned preset health level can be used as a dynamic threshold for adjustment. For example, the success rate of the most recent N calls can be calculated based on a sliding window algorithm. The threshold is configurable, for example: failure rate > 10% within 1 minute -> trigger circuit breaker.

[0029] In step S120, under the preset business estimation mode, in response to the failure of the request for external data corresponding to the external system, a virtual node marked as estimated is generated locally based on the context data of the upstream corresponding to the external data. The virtual node drives and estimates the non-critical path business data of the downstream corresponding to the external data. The local corresponding background continuously retryes connecting to the external system until the real external data is obtained.

[0030] In one possible implementation, the context data includes at least one of the following: the amount in the payment request, the transaction counterparty, and the transaction time.

[0031] Regarding the aforementioned virtual node (virtual shadow node) technology, such as Figure 2 and Figure 3As shown, in the absence of real external data, temporary business objects are generated based on context inference. For the generation of virtual shadow nodes, for example, in fallback mode, when a business process fails to request external data (e.g., requesting to retrieve an electronic receipt after successful payment), the system no longer reports an error and waits. Instead, based on the upstream confirmed context data (e.g., the amount, counterparty, and time in the payment request), it generates a virtual node locally marked ESTIMATED. This node has the data structure of a real node but is labeled with "confidence < 100%".

[0032] The virtual shadow node factory is the core component that creates nodes from nothing, ensuring business continuity, such as... Figure 2 and Figure 3 As shown, its inference algorithm includes: Invoice inference: If it is known that a payment of 50 yuan was made to "Didi Chuxing" and the Tax API was interrupted, the factory generates a virtual invoice node with Amount=50, Tax_Rate=null, and Seller=Didi. Receipt inference: If the payment instruction has been issued but the Bank API has not returned, the factory generates a virtual receipt node with Status=SUCCESS(Est.) and Fee=0(Est.).

[0033] As one possible implementation, the above-mentioned non-critical path business data corresponding to downstream external data based on virtual node driving and prediction may specifically include the following steps: based on virtual node driving and prediction of non-critical path business data corresponding to downstream external data, and controlling the setting of critical path business data corresponding to downstream external data to the pending confirmation queue through soft blocking.

[0034] For business degradation flow and soft blocking control, for example, such as Figure 2 and Figure 3 As shown, the system continues to drive downstream non-critical path business based on virtual nodes. For example, based on "virtual receipts," the department budget is deducted first, and the operating report is updated (downgraded flow). However, for critical paths (such as: declaring deductions to the tax bureau, generating formal external financial statements), the system implements "soft blocking," placing the transaction in the "Pending Confirmation Queue."

[0035] As an example, message queues like Kafka / RabbitMQ can be used to store self-healing retry tasks. Dead-letter queues (DLQs) are employed to handle tasks that cannot be recovered in a long time. For data storage: Redis stores circuit breaker states and short-lived virtual nodes. NoSQL (MongoDB / DynamoDB) stores unstructured difference logs. For task scheduling: XXL-JOB or Quartz is responsible for periodically scanning the aforementioned pending confirmation queue and triggering proactive queries.

[0036] After the virtual node is generated, the system can start an independent self-healing thread pool and use the Exponential Backoff algorithm to continuously try to connect to the external system in the background until the real data is obtained, thus realizing the background self-healing retry of ghost data.

[0037] Exponential backoff is a retry strategy widely used in network communication and distributed systems. Its core idea is to exponentially increase the retry waiting time after an operation fails, in order to avoid resource conflicts or server overload.

[0038] In one optional implementation, the virtual node has a time-to-live (TTL). The local backend continuously retryes connecting to the external system until real external data is obtained. Specifically, this may include the following steps: using an exponential backoff algorithm to continuously retry connecting to the external system in the local backend; in response to a retry duration exceeding a preset acquisition time limit threshold and no real external data being acquired, the external link is identified as an abnormal link, and the link information is sent to the financial management terminal. For example, for lifecycle management, the virtual node has a TTL. If real data is not obtained after the TTL, it will automatically be upgraded to "high-risk abnormality," thus notifying manual intervention.

[0039] Step S130: In response to the recovery of the external link and the acquisition of real external data, the real external data is compared with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain the comparison result, and the virtual node is processed based on the comparison result.

[0040] In one possible implementation, the above-mentioned processing of virtual nodes based on comparison results may specifically include the following steps: in response to the comparison result indicating data consistency, changing the state of the virtual node from the estimated state to the confirmed state and clearing the marked estimated state; in response to the comparison result indicating data discrepancies, updating the node data of the virtual node by performing atomic correction.

[0041] For difference alignment and atomization correction, for example, such as Figure 2 and Figure 3As shown, once the external link is restored and the real data arrives, the system immediately performs a field-level comparison with the virtual shadow node: Case A (Completely Consistent): The node status is directly flipped from ESTIMATED to CONFIRMED, the virtual marker is cleared, and the business loop is seamlessly closed. Case B (Deviation Exists): For example, the estimated handling fee is 5 yuan, but the actual deduction is 5.5 yuan. The system automatically performs atomic correction and updates the node data.

[0042] For asynchronous eventual consistency repair in the aforementioned discrepancy scenarios: upon arrival of real data, a closed-loop logic for difference comparison and data correction is automatically triggered. For soft blocking and tiered routing: a strategy for controlling the degraded flow of business processes based on data confidence levels.

[0043] As an optional implementation, in response to the comparison result indicating a data difference, the node data of the virtual node is updated by performing atomic correction. Specifically, this may include the following steps: in response to the comparison result indicating a data difference, the original estimated value corresponding to the virtual node is canceled out by a preset red-blue cancellation logic, and the real value is confirmed based on real external data to prevent real external data from being processed repeatedly during network jitter.

[0044] For example, using a self-healing engine, red-blue offsetting logic is employed: $$\Delta = Data_{real} - Data_{shadow}$$; If $\Delta \neq 0$, then execute: Voucher_Red = CreateVoucher(Data_{shadow} * -1) / / Cancel the original estimate; Voucher_Blue = CreateVoucher(Data_{real}) / / Confirm the real value; For automatic accounting reversal algorithms, such as Figure 2 As shown, this mechanism automatically generates red and blue adjusting entries to address discrepancies between estimated and actual vouchers. The self-healing process is strictly controlled by version numbers to prevent duplicate processing of real data during network fluctuations, ensuring idempotency. Handling discrepancies through a standard "red and blue reversal" mechanism is more compliant with accounting standards than manual data correction, resulting in clear audit trails and improved financial compliance.

[0045] In this embodiment, when the external link corresponding to the external system encounters problems, the synchronous blocking dependency caused by the external link problem is transformed into an asynchronous predictive flow by using the business provisional estimation of virtual nodes. This realizes an intermediate prediction processing mechanism for provisional accounting. After the connection of the external link is restored, the virtual node is processed by comparing the predicted data with the real external data. This ensures that the internal business process can continue to run smoothly without interruption when the external system is paralyzed, thereby improving the business processing efficiency of the internal system.

[0046] By employing automated fallback and self-healing methods to address external link interruptions or data delays in scenarios where expense reimbursements do not heavily rely on external data sources (banks, tax authorities, merchant platforms), the system has built a highly fault-tolerant expense control system. It acknowledges that external interruptions are common and uses technical means to transform "technical failures" into "provisional business estimates." This ensures that internal budget control, business analysis, and accounting processes can continue smoothly even when external networks are unavailable. Once the network is restored, it automatically corrects errors, achieving eventual data consistency and minimizing manual intervention. This results in a 90% reduction in operational costs: the vast majority of network jitter and temporary interruptions can be absorbed by the "shadow node + automatic self-healing" mechanism, eliminating the need for IT intervention. Furthermore, it enhances business continuity assurance (BCP): achieving 24 / 7 uninterrupted business operations. Even if the bank shuts down for maintenance, employees can still submit applications and view preliminary reports, and the system can still generate provisional expense vouchers. Moreover, the user experience is seamless: front-end users are unaware of the back-end circuit breaker and repair process, and operational smoothness is unaffected by external fluctuations.

[0047] In some embodiments, after responding to the recovery of the external link and the acquisition of real external data, the method further includes the following steps after comparing the real external data with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain the comparison result: When virtual nodes have been used to generate preset accounting vouchers, in response to the comparison results indicating a data discrepancy, reversal vouchers are automatically generated based on the virtual nodes. These reversal vouchers are used to first reverse the estimated vouchers and then generate blue vouchers based on real external data, so as to ensure that the accounts match the actual situation.

[0048] For automatic reversal and voucher adjustment, for example, such as Figure 2 As shown, if a virtual node has been used to generate accounting vouchers (such as accrued expenses), the system will automatically generate a "red and blue ink reversal voucher" after a discrepancy is found: first, the estimated voucher is reversed in red, and then a blue ink voucher based on the actual data is generated to ensure that the accounts match the actual situation.

[0049] In some embodiments, after responding to the recovery of the external link and the acquisition of real external data, the method further includes the following steps: in response to the comparison result that the difference in the data is greater than a preset difference risk control threshold, an alarm mechanism is triggered and the processing task of the real external data is routed to the financial management end under the alarm mechanism.

[0050] For hierarchical manual intervention routing, such as Figure 3 As shown, for example, the system only triggers a "manual intervention alarm" and routes the task to the financial workbench under extreme abnormal conditions (such as: the difference between the actual amount and the estimated amount exceeds the preset risk control threshold, or the external system interruption time exceeds the maximum time limit allowed by the SLA). Otherwise, the entire process is handled silently.

[0051] Figure 4 A schematic diagram of a financial data processing device based on virtual node technology is provided. Figure 4 As shown, the financial data processing device 400 based on virtual node technology includes: The switching module 401 is used to switch the data channel of the external link to a preset service provisioning mode in response to the detection that the link health of the corresponding external link of the external system is lower than the preset health. The generation module 402 is used to, in the preset business estimation mode, in response to the failure of the request for external data corresponding to the external system, generate a virtual node marked as estimated state locally based on the context data of the upstream corresponding to the external data, drive and estimate the non-critical path business data of the downstream corresponding to the external data based on the virtual node, and continuously retry the connection to the external system in the local corresponding background until the real external data is obtained. The comparison module 403 is used to, in response to the recovery of the external link and the acquisition of the real external data, compare the real external data with the estimated non-critical path business data corresponding to the virtual node at the field level, obtain the comparison result, and process the virtual node based on the comparison result.

[0052] The financial data processing apparatus based on virtual node technology provided in this application has the same technical features as the financial data processing method based on virtual node technology provided in the above embodiments, so it can also solve the same technical problems and achieve the same technical effects.

[0053] An electronic device provided in this application embodiment, such as Figure 5As shown, the electronic device 500 includes a processor 502 and a memory 501. The memory stores a computer program that can run on the processor. When the processor executes the computer program, it implements the steps of the method provided in the above embodiments.

[0054] See Figure 5 The electronic device also includes a bus 503 and a communication interface 504. The processor 502, the communication interface 504 and the memory 501 are connected through the bus 503. The processor 502 is used to execute executable modules, such as computer programs, stored in the memory 501.

[0055] The memory 501 may include high-speed random access memory (RAM) or non-volatile memory, such as at least one disk storage device. Communication between this system network element and at least one other network element is achieved through at least one communication interface 504 (which can be wired or wireless), such as the Internet, wide area network, local area network, or metropolitan area network.

[0056] Bus 503 can be an ISA bus, PCI bus, or EISA bus, etc. The bus can be divided into address bus, data bus, control bus, etc. For ease of representation, Figure 5 The symbol is represented by a single double-headed arrow, but this does not mean that there is only one bus or one type of bus.

[0057] The memory 501 is used to store programs. After receiving an execution instruction, the processor 502 executes the program. The method executed by the apparatus defined by the process disclosed in any of the preceding embodiments of this application can be applied to the processor 502 or implemented by the processor 502.

[0058] Processor 502 may be an integrated circuit chip with signal processing capabilities. In implementation, each step of the above method can be completed by the integrated logic circuitry in the hardware of processor 502 or by instructions in software form. The processor 502 can be a general-purpose processor, including a Central Processing Unit (CPU), a Network Processor (NP), etc.; it can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, or discrete hardware components. It can implement or execute the methods, steps, and logic block diagrams disclosed in the embodiments of this application. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the methods disclosed in the embodiments of this application can be directly manifested as execution by a hardware decoding processor, or execution by a combination of hardware and software modules in the decoding processor. The software module can reside in a mature storage medium in the field, such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, or registers. This storage medium is located in memory 501, and processor 502 reads the information from memory 501 and, in conjunction with its hardware, completes the steps of the above method.

[0059] Corresponding to the above-described financial data processing method based on virtual node technology, this application embodiment also provides a computer-readable storage medium storing computer-executable instructions. When the computer-executable instructions are invoked and executed by a processor, the computer-executable instructions cause the processor to perform the steps of the above-described financial data processing method based on virtual node technology.

[0060] The financial data processing device based on virtual node technology provided in this application embodiment can be specific hardware on a device or software or firmware installed on the device. The implementation principle and technical effects of the device provided in this application embodiment are the same as those in the foregoing method embodiments. For the sake of brevity, any parts not mentioned in the device embodiment can be referred to the corresponding content in the foregoing method embodiments. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, devices, and units described above can all be referred to the corresponding processes in the above method embodiments, and will not be repeated here.

[0061] In the embodiments provided in this application, it should be understood that the disclosed apparatus and methods can be implemented in other ways. The apparatus embodiments described above are merely illustrative. For example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. Furthermore, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Additionally, the displayed or discussed mutual couplings, direct couplings, or communication connections may be through some communication interfaces; indirect couplings or communication connections between devices or units may be electrical, mechanical, or other forms.

[0062] For example, the flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than those marked in the drawings. For example, two consecutive blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram and / or flowchart, and combinations of blocks in block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or action, or using a combination of dedicated hardware and computer instructions.

[0063] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0064] In addition, the functional units in the embodiments provided in this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0065] If the aforementioned functions are implemented as software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or a portion of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the financial data processing method based on virtual node technology described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0066] It should be noted that similar labels and letters in the following figures indicate similar items. Therefore, once an item is defined in one figure, it does not need to be further defined and explained in subsequent figures. In addition, the terms "first", "second", "third", etc. are used only to distinguish descriptions and should not be construed as indicating or implying relative importance.

[0067] Finally, it should be noted that the above-described embodiments are merely specific implementations of this application, used to illustrate the technical solutions of this application, and not to limit them. The protection scope of this application is not limited thereto. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that any person skilled in the art can still modify or easily conceive of changes to the technical solutions described in the foregoing embodiments, or make equivalent substitutions for some of the technical features, within the scope of the technology disclosed in this application; and these modifications, changes, or substitutions do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of this application. All should be covered within the protection scope of this application. Therefore, the protection scope of this application should be determined by the protection scope of the claims.

Claims

1. A financial data processing method based on virtual node technology, characterized in that, The method includes: In response to detecting that the health of the external link corresponding to the external system is lower than the preset health, the data channel of the external link is switched to the preset service provisioning mode. In the preset business estimation mode, in response to the failure of the request for external data corresponding to the external system, a virtual node marked as estimated is generated locally based on the context data of the upstream corresponding to the external data. The virtual node drives and estimates the non-critical path business data of the downstream corresponding to the external data. The local corresponding background continuously retryes connecting to the external system until the real external data is obtained. In response to the recovery of the external link and the acquisition of the real external data, the real external data is compared with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain the comparison result, and the virtual node is processed based on the comparison result.

2. The method according to claim 1, characterized in that, The process of processing the virtual node based on the comparison result includes: In response to the comparison result indicating data consistency, the state of the virtual node is changed from the predicted state to the confirmed state and the marked predicted state is cleared. In response to the comparison result indicating a data discrepancy, the node data of the virtual node is updated by performing an atomic correction.

3. The method according to claim 2, characterized in that, In response to the comparison result indicating a data discrepancy, the node data of the virtual node is updated by performing atomic correction, including: In response to the comparison result indicating a data discrepancy, the original estimated value corresponding to the virtual node is canceled out using a preset red-blue cancellation logic, and the actual value is confirmed based on the real external data to prevent the real external data from being processed repeatedly during network jitter.

4. The method according to claim 1, characterized in that, After responding to the recovery of the external link and acquiring the real external data, comparing the real external data with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain the comparison result, the method further includes: When the virtual node has been used to generate a preset accounting voucher, in response to the comparison result indicating a data discrepancy, an offsetting voucher is automatically generated based on the virtual node. This offsetting voucher is used to first reverse the estimated voucher and then generate a blue voucher based on the actual external data, so that the accounts match the actual situation.

5. The method according to claim 1, characterized in that, After responding to the recovery of the external link and acquiring the real external data, comparing the real external data with the estimated non-critical path business data corresponding to the virtual node at the field level to obtain the comparison result, the method further includes: In response to the comparison result showing that the difference in data exceeds a preset difference risk control threshold, an alarm mechanism is triggered, and under the alarm mechanism, the processing task of the real external data is routed to the financial management end.

6. The method according to claim 1, characterized in that, The virtual node has a corresponding lifespan; the step of continuously retrying the connection to the external system in the local background until real external data is obtained includes: The exponential backoff algorithm is used to continuously retry connecting to the external system in the corresponding local backend. If the duration of retrying to connect to the external system exceeds a preset acquisition time limit threshold and the actual external data is not acquired, the external link is identified as an abnormal link, and the link information is sent to the financial management terminal.

7. The method according to claim 1, characterized in that, The process of driving and predicting downstream non-critical path business data based on the virtual node includes: Based on the virtual node driver, the non-critical path business data corresponding to the external data is estimated and the critical path business data corresponding to the external data is set to the pending confirmation queue through soft blocking.

8. The method according to claim 1, characterized in that, The conditions under which the link health is lower than the preset health include at least one of the following: the external link is interrupted, the data response delay time exceeds the preset duration, the error rate exceeds the preset threshold, the data call success rate is lower than the preset success rate, and the proportion of the external system feedback of preset business semantics exceeds the preset proportion. The context data includes at least one of the following: the amount in the payment request, the transaction counterparty, and the transaction time.

9. A financial data processing device based on virtual node technology, characterized in that, include: The switching module is used to switch the data channel of the external link to a preset service provisioning mode in response to the detection that the link health of the corresponding external link of the external system is lower than the preset health. The generation module is used to, in the preset business estimation mode, respond to the failure of the request for external data corresponding to the external system, generate a virtual node marked as estimated state locally based on the context data of the upstream corresponding to the external data, drive and estimate the non-critical path business data of the downstream corresponding to the external data based on the virtual node, and continuously retry the connection to the external system in the local corresponding background until the real external data is obtained. The comparison module is used to respond to the recovery of the external link and the acquisition of the real external data, to perform a field-level comparison between the real external data and the estimated non-critical path business data corresponding to the virtual node, to obtain a comparison result, and to process the virtual node based on the comparison result.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions that, when invoked and executed by a processor, cause the processor to perform the method according to any one of claims 1 to 8.

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