Method and apparatus for processing discount data

Abstract

The application provides a discount data processing method and device, the method comprises the following steps: obtaining a discount handling audit request; in response to the result of the inquiry state verification being passed, determining the handling type of the discount handling audit request; in response to the discount handling audit request being a first handling type, obtaining the handling information input by a user, and sending the handling information to a fund party audit platform corresponding to the discount handling audit request through a web router; in response to the discount handling audit request being a second handling type, obtaining an external chain address corresponding to the discount handling audit request, so that the user handles the discount application in the external chain address; in response to the discount handling audit request being a third handling type, outputting prompt information of offline handling; receiving feedback results of the fund party audit platform, the external chain address or offline handling. The technical scheme provided by the application establishes a reusable discount handling main chain, which facilitates the introduction of more fund parties in the future.

Description

Technical Field

[0001] This invention relates to the field of digital invoice management technology, and in particular to a method and apparatus for processing discount data. Background Technology

[0002] With the deepening of fintech and digital transformation, the bill business is undergoing a profound transformation from the traditional offline model to a fully online and intelligent process. The new generation of bill business systems, relying on electronic commercial draft infrastructure, has achieved digital closed-loop processing of core links such as bill issuance, endorsement, discounting, and acceptance. In online bill business scenarios, the platform acts as a hub connecting corporate clients and financial institutions, undertaking key functions such as business initiation, information exchange, process scheduling, and risk control. Enterprises submit discount applications through online clients. The platform verifies the bill's status and detects conflicts based on its elements, distributes the applications to partner financial institutions for review via channel routers, and maps the results into unified instructions fed back to the enterprise, realizing a fully online "application-review-disbursement" process.

[0003] In online discounting, multiple banks or quasi-financial institutions may coexist as funding providers. However, in current online bill platforms, each additional funding provider requires the development of a new application and verification process on the client-side, leading to a significant increase in development costs. Furthermore, the lack of a clear and unified review mechanism between the platform and funding providers can result in missed, incorrect, or duplicate reviews, thus impacting review efficiency.

[0004] Therefore, how to provide a new method for processing discount data that can facilitate expansion by multiple funding parties while improving audit efficiency has become an urgent problem to be solved in this field. Summary of the Invention

[0005] Firstly, addressing the problems existing in the prior art, this invention provides a method for processing discount data, which improves review efficiency while facilitating expansion to multiple funding parties. The method is applied to a discount processing platform, which is connected to at least one funding party review platform via a channel router. The method includes:

[0006] Obtain the discount processing review request;

[0007] The inquiry status is verified for the discount processing review request;

[0008] If the result of the inquiry status verification is passed, the processing type of the discount processing review request is determined; wherein, the processing type includes: first processing type, second processing type and third processing type;

[0009] In response to the discount processing review request being the first processing type, the processing information entered by the user is obtained, and the processing information is sent to the funding party review platform corresponding to the discount processing review request through the channel router;

[0010] In response to the discount processing review request being the second processing type, the external link address corresponding to the discount processing review request is obtained, so that the user can process the discount application at the external link address;

[0011] If the discount processing review request is the third processing type, then an offline processing prompt message will be output;

[0012] Receive feedback results from the funding party's review platform, the external link address, or the offline processing.

[0013] According to a method for processing discount data provided by the present invention, in response to the result of the inquiry status verification being passed, before determining the processing type of the discount processing review request, the method further includes:

[0014] The applicant's identity is verified for the aforementioned discount processing review request;

[0015] If the applicant's identity verification is successful, the processing type of the discount processing review request is determined.

[0016] According to a method for processing discount data provided by the present invention, in response to the applicant's identity verification result being passed, before determining the processing type of the discount processing review request, the method further includes:

[0017] The business status of the discount processing review request is verified;

[0018] If the business status verification result is passed, the processing type of the discount processing review request is determined.

[0019] According to a method for processing discount data provided by the present invention, the step of verifying the business status of the discount processing review request includes:

[0020] Determine whether the discount processing review request has any outstanding preliminary applications;

[0021] If an incomplete prior application exists, navigation information for the prior application is returned;

[0022] If there are no pending prior applications, it is determined whether there are conflicting application records in the bill database for the bill in the discount processing review request;

[0023] If a conflicting application record exists in the bill database, the discount processing review request is rejected.

[0024] If no conflicting application record is found in the ticket database, the business status verification result is passed.

[0025] According to a method for processing discount data provided by the present invention, in response to the absence of conflicting application records in the bill database, the method further includes:

[0026] The bills in the discount processing review request are locked in the bill database.

[0027] According to a method for processing discount data provided by the present invention, the step of determining the processing type of the discount processing review request includes:

[0028] Determine the funding party information for the discount processing review request;

[0029] The processing type of the discount processing review request is determined based on the information of the funding party.

[0030] According to a method for processing discount data provided by the present invention, before sending the processing information to the funding party review platform corresponding to the discount processing review request via a channel router, the method further includes:

[0031] Verify the company information of the applicant company for the discount processing review request;

[0032] If the enterprise information verification result is passed, the processing information is sent to the funding party's review platform corresponding to the discount processing review request via the channel router.

[0033] According to a method for processing discount data provided by the present invention, the step of verifying the enterprise information of the applicant enterprise for the discount processing review request includes:

[0034] Query the organization code information of the applicant company;

[0035] If the organization code information of the applicant company is not empty, then query the business license information of the applicant company.

[0036] If the business license information of the applicant company is not empty, the result of the company information verification is passed.

[0037] According to a method for processing discount data provided by the present invention, in response to the enterprise information verification result being passed, before sending the processing information to the funding party review platform corresponding to the discount processing review request via the channel router, the method further includes:

[0038] Query the discount amount of the aforementioned discount processing approval request;

[0039] Compare the discount limit with the face value of the discount processing approval request;

[0040] If the discount amount is less than the face value of the discount processing review request, an insufficient amount prompt message will be output.

[0041] If the discount amount is not less than the face value of the discount processing review request, the processing information is sent to the funding party review platform corresponding to the discount processing review request through the channel router.

[0042] Secondly, the present invention also provides a discount data processing apparatus, the apparatus being applied to a discount processing platform, wherein the discount processing platform is connected to at least one funding party review platform via a channel router, the apparatus comprising:

[0043] The request retrieval unit is configured to retrieve discount processing review requests;

[0044] The inquiry verification unit is configured to verify the inquiry status of the discount processing review request.

[0045] A type confirmation unit is configured to determine the processing type of the discount processing review request in response to a pass result of the inquiry status verification; wherein the processing type includes: a first processing type, a second processing type, and a third processing type;

[0046] The channel adaptation unit is configured to, in response to the discount processing review request being the first processing type, obtain the processing information input by the user and send the processing information to the funding party review platform corresponding to the discount processing review request through the channel router;

[0047] In response to the discount processing review request being the second processing type, the external link address corresponding to the discount processing review request is obtained, so that the user can process the discount application at the external link address;

[0048] If the discount processing review request is the third processing type, then an offline processing prompt message will be output;

[0049] The feedback acquisition unit is configured to receive feedback results from the funding party's review platform, the external link address, or the offline processing.

[0050] The discount data processing method provided by this invention verifies the inquiry status of discount processing review requests. Before formally reviewing a discount application, it ensures that a valid inquiry has been conducted, thereby establishing business relevance, preventing process disruptions, and ensuring transaction traceability. Furthermore, this application narrows down discount processing types to a limited set of three. Based on the processing type of the discount processing review request, corresponding processing steps are performed, and feedback processing results are uniformly received. The discount processing platform only recognizes a limited and stable set of next-step semantics, establishing a reusable discount processing main chain that facilitates the introduction of more funding sources in the future. Attached Figure Description

[0051] To more clearly illustrate the technical solutions in this invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of this invention. For those skilled in the art, other drawings can be obtained from these drawings without creative effort.

[0052] Figure 1 This is a flowchart illustrating the discount data processing method provided by the present invention;

[0053] Figure 2 This is another flowchart illustrating the discount data processing method provided by the present invention;

[0054] Figure 3 This is a schematic diagram of the structure of the discount data processing device provided by the present invention.

[0055] Figure label:

[0056] 310: Request Acquisition Unit; 320: Inquiry Verification Unit; 330: Type Confirmation Unit; 340: Channel Adaptation Unit; 350: Feedback Acquisition Unit. Detailed Implementation

[0057] To make the objectives, technical solutions, and advantages of this invention clearer, the technical solutions of this invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this invention. All other embodiments obtained by those skilled in the art based on the embodiments of this invention without creative effort are within the scope of protection of this invention.

[0058] The following is combined with Figures 1-3 The present invention describes a method and apparatus for processing discounted data.

[0059] This application first proposes a method for processing discount data, which is applied to a discount processing platform connected to at least one funding party's review platform via a channel router. The channel router can be understood as a platform scheduling component that automatically distributes business requests to different processing channels according to preset rules. Enterprises submit discount applications to funding parties through this discount processing platform, and the platform simultaneously provides feedback on the discount results to the enterprises. Here, the enterprise can be understood as the applicant for discounting, the funding party as the discounting institution or discounting bank, and the discount processing platform as a matching platform for discount business, serving both enterprises and funding parties.

[0060] In a typical application scenario, after finding suitable bill products through a discounting platform, a company submits a discounting application on the platform. The platform then forwards the application to the funding party for review. If the funding party approves the application, the platform disburses the funds.

[0061] Figure 1 This is a flowchart illustrating the discount data processing method provided by the present invention, as shown below. Figure 1 As shown, the method includes steps 110-150.

[0062] Step 110: Obtain the discount processing review request;

[0063] Specifically, before a company applies for discounting, the funding party typically reviews the company's discounting request. In this application, the discounting platform, acting as the facilitator, also needs to conduct a certain review of the discounting application.

[0064] This application for discount processing review must include at least the following: information on the proposed bill product, inquiry record identifier, electronic draft number and sub-draft range, applicant information, and information on the proposed funding party. The proposed bill product information indicates the type of bill, business type, and other configuration information. Bill types may include bank drafts and commercial drafts. Business types may include direct discounting, rediscounting, repurchase discounting, and outright discounting. Other configuration information may include entry thresholds, interest rate ranges, and the scope of partners. The inquiry record identifier is generated by the discount processing platform after precise inquiry and indicates whether the proposed bill has undergone precise inquiry, which must include at least the process of obtaining a discount quote. The electronic draft number and sub-draft range uniquely identify a bill and its smallest divisible unit range. The applicant includes the applicant company and / or the applicant's representative. The applicant company is the applicant for discounting, and the applicant's representative is the operator on the discount processing platform who handles the discount processing business. The request for discount processing approval can be initiated by the company itself or by the designated person. The information of the funding party to be applied for should be consistent with the funding party in the inquiry record. If the inquiry record is marked as "no inquiry", then the information of the funding party to be applied for will be empty.

[0065] Step 120: Verify the inquiry status of the discount processing review request;

[0066] Specifically, before formally reviewing the discount application, this application must first verify the inquiry status of the discount processing review request to ensure that a valid inquiry has been conducted. The inquiry record identifier in the discount processing review request is extracted. If the inquiry record identifier is "Inquired," the inquiry status verification result is passed; otherwise, it is failed. If the inquiry status verification result is passed, step 130 is executed. If the inquiry status verification result is failed, the discount processing review request is directly rejected, no subsequent steps are executed, and the enterprise or person in charge is prompted to complete a precise inquiry first.

[0067] Step 130: If the result of the inquiry status verification is passed, then determine the processing type of the discount processing review request;

[0068] Specifically, if the inquiry record for the current discount processing review request is marked as "inquired", it is considered that the funding party can conduct a formal review of the current discount application.

[0069] In a preferred embodiment, before formal review, in addition to verifying the inquiry status, applicant identity verification is also required to ensure consistency of the personnel handling the process. If the applicant company information in the discount processing review request matches the company information in the inquiry record, or if the applicant's handler information matches the inquirer information in the inquiry record, the applicant identity verification result is passed; otherwise, it is failed. The company information and handler information here can be a "name" or other identifiers that can represent identity information. That is, when verifying the applicant's identity for the discount processing review request, if the applicant identity verification result is passed, the processing type of the discount processing review request is determined; if the applicant identity verification result is failed, no further review work is carried out.

[0070] In a better implementation, before formal review, in addition to verifying the inquiry status and applicant identity, a business status verification is also required to ensure that the current review request for discounting is not an application that should be continued but is not yet completed, is in transit, or has already been completed. That is, the business status of the discounting review request is verified, and if the result of the business status verification is passed, the processing type of the discounting review request is determined.

[0071] The "pending completion" status can be understood as the same applicant having an incomplete prior application for the same bill. In this case, the pending application should be processed first rather than a new application. This status can be confirmed by checking if the bill number in the discount processing review request is in the historical business records. The "in transit" status can be understood as the current application document being issued, being transmitted, or being approved. Documents in transit have already occupied numbers or amounts in the bill database. This status can be confirmed by checking if the bill number is in the bill database. The bill database is set up in the discount processing platform. The core data in the database includes the bill number, sub-bill range, occupancy status (e.g., idle, in transit, or completed), and the occupying party (e.g., application number or company identifier). It is used to record the occupancy or release status of each bill and its sub-bill range, preventing the same bill resource from being applied for repeatedly or over-occupied.

[0072] Regarding the specific steps for business status verification, the first step is to determine whether there are any incomplete prior applications in the discount processing review request. If there are, it indicates that the application in the discount processing review request is a pending application, and the navigation information for the prior application is returned, guiding the user back to the original processing stage. If there are no incomplete prior applications, the next step is to determine whether there are any conflicting application records in the bill database for the bill in the discount processing review request. If there are conflicting application records in the bill database, it indicates that the application in the discount processing review request is either in progress or completed, and the discount processing review request is directly rejected. If there are no conflicting application records in the bill database, the business status verification result is passed, and the bill in the current discount processing review request needs to be locked in the bill database, its occupancy status marked, and the processing type of the discount processing review request determined.

[0073] Understandably, in this application, the step of determining whether there are any incomplete prior applications in the discount processing review request should be done first, and the step of determining whether there are any conflicting application records in the bill database for the bill in the discount processing review request should be done later, so as to prevent the application to "continue processing the old bill" from being blocked directly, which would prevent the "old bill" from being processed.

[0074] In addition, the inquiry status verification, applicant identity verification and business status verification in this application are all local verifications of the discount processing platform. Only after all three verifications are passed will the application proceed to the funding party's review platform for review.

[0075] Regarding the processing types in this application, this application categorizes them into three types: the first processing type, the second processing type, and the third processing type. These three types can basically cover the review methods of funders for discounting business obtained from external platforms.

[0076] The first processing type is "online processing," meaning the discounting platform and the funding party's review platform interact through an interface. The second processing type is "external link processing," meaning processing is done by opening the funding party's webpage. The third processing type is "offline processing," meaning processing is done offline with the assistance of business personnel.

[0077] Regarding the configuration of processing types in this application, in a preferred embodiment, processing types can be categorized into the three types mentioned above based on the funding party's review mode, and configured uniformly through the channel adaptation layer. That is, the existing correspondence between funding parties and processing types is pre-configured in the channel adaptation layer to determine the funding party information for the current discount processing review request, and then the processing type for the discount processing review request is determined accordingly. If the current funding party does not have a corresponding processing type configured, a configuration error message is output, indicating to the user that the current funding party has not been configured with a review channel.

[0078] Furthermore, for the first processing type mentioned above, the discount processing platform in this application connects to at least one funding party review platform via a channel router. The channel router selects the corresponding funding party gateway according to the channel code to call the review interface already signed by that funding party, thereby connecting to the funding party review platform. The results returned by the funding party review platform are then mapped to a unified next-step instruction. Simultaneously, the funding party gateway can be horizontally expanded as needed, facilitating expansion to multiple funding parties.

[0079] For the three processing types mentioned above, execute the processing integration methods in steps 141, 142, and 143 respectively. Regardless of whether steps 141, 142, or 143 are executed, the process will ultimately return to step 150. If a new funding party is added, only configuration and message adaptation need to be added to map the funding party to the three processing types mentioned above; the main process remains unchanged.

[0080] Step 141: In response to the discount processing review request being the first processing type, the processing information entered by the user is obtained, and the processing information is sent to the funding party review platform corresponding to the discount processing review request through the channel router;

[0081] Specifically, in response to a discount processing review request being classified as the first processing type, requiring review via "online processing," the channel router calls the corresponding funding party's interface to send the processing information entered by the user on the discount processing platform to the funding party's review platform corresponding to the current discount processing review request, for the funding party's review of the processing information. In this application, the user is a company or an agent.

[0082] In a preferred embodiment, before sending the processing information to the funding party's review platform corresponding to the discount processing review request via the channel router, the enterprise information for the current application can be verified locally on the discount processing platform. Unlike applicant identity verification, enterprise information verification focuses on whether the "enterprise information" is "complete" to ensure the validity of the enterprise information for the current discount application, while applicant identity verification focuses on whether the "applicant's identity" is "consistent." That is, if the enterprise information verification for the discount processing review request is successful, the processing information is sent to the funding party's review platform corresponding to the discount processing review request via the channel router. If the enterprise information verification fails, no funding party interface is invoked, a prompt message requiring the completion of enterprise information is output, and the user is guided to complete enterprise authentication.

[0083] The enterprise information verification process includes organization code verification and business license verification. The organization code and business license are used to confirm the applicant's true identity, legal existence, and business access qualifications. Specifically, the system first queries the applicant's organization code information locally on the discount processing platform based on the applicant information in the discount processing review request. If the applicant's organization code information is not empty (meaning the discount processing platform stores the applicant's organization code information locally), the system then queries the applicant's business license information locally on the discount processing platform. If the applicant's business license information is not empty (meaning the discount processing platform already stores the applicant's business license locally), the enterprise information verification result is "passed." If either the applicant's organization code information or the applicant's business license information is empty, the enterprise information verification result is "failed."

[0084] In a preferred embodiment, in response to the above enterprise information verification result being passed, the discount limit can be further verified. Here, the limit can be understood as the discount credit line granted by the discount processing platform to the enterprise or funding party, i.e., the upper limit of available funds that the enterprise can use for discount financing. This information is used to control credit risk exposure, ensure fund security, and achieve differentiated customer management.

[0085] During the credit limit verification process, the discount limit of the bill corresponding to the discount processing application is first queried. Different credit limit query methods can be used for bank drafts and commercial drafts. For example, if the current bill is a bank draft, the transaction limit of the current bank draft is queried, which is the interbank discount limit approved by the discounting bank for a specific accepting bank. Here, the discounting bank is the funding party, and the accepting bank is the bank that promises to unconditionally pay the face value on the bill of exchange on the due date. If the current bill is a commercial draft, the credit limit of the borrower is queried. Here, the borrower is the company applying for discounting. Then, the discount limit is compared with the face value of the discount processing application. If the discount limit is less than the face value of the discount processing application, an insufficient credit limit prompt is output, guiding the user to increase the credit limit or change the discount processing application. If the discount limit is not less than the face value of the discount processing application, the processing information is sent to the review platform of the funding party corresponding to the discount processing application through the channel router.

[0086] In a preferred embodiment, in response to the above enterprise information verification result being passed, the discount rate for this application can also be calculated, and the calculation result can be output for the user to confirm the discount rate.

[0087] Step 142: In response to the discount processing review request being of the second processing type, obtain the external link address corresponding to the discount processing review request, so that the user can process the discount application in the external link address;

[0088] Specifically, if the discount processing review request is classified as the second processing type and requires review via an "external link redirection," then the external link address corresponding to the discount processing review request will be obtained and output. After clicking this external link address, the user can enter the processing information on the redirected webpage, and the funding party can obtain the information to be reviewed from this external link address. Subsequent review results can be manually entered by the discount processing platform's operations personnel or automatically returned by the reviewing party's system calling the discount processing platform's API.

[0089] Step 143: In response to the discount processing review request being of the third processing type, output a prompt message indicating offline processing.

[0090] Specifically, in response to a discount processing review request classified as a third-type processing method requiring "offline processing," an offline processing prompt will be output, along with an inquiry and invoice summary, to facilitate the retention of business information and manual follow-up. Subsequent review results can be manually entered by the discount processing platform's operations staff or automatically transmitted back via the reviewer's system calling the discount processing platform's API.

[0091] Additionally, if the connection to the funding party's verification platform fails in step 141, or if obtaining the external address fails in step 142, a prompt message indicating offline processing can be displayed, changing the current processing method to the third processing type. If a funding party offers multiple processing types (first, second, and third), the optimal type can be selected as needed.

[0092] Step 150: Receive feedback from the funding party's review platform, external link address, or offline processing.

[0093] Specifically, regardless of the review branch mentioned above, the feedback results will be returned to the discount processing platform. The discount processing platform will then categorize the feedback results into a limited number of "next steps" and display a summary to the user. The discount processing platform does not parse the original long message from the funding party itself. For example, the feedback results may include "under review," "review failed," and "review successful," with different feedback results corresponding to different "next steps."

[0094] The execution process of the discount data processing device provided in this application has been explained above. Below, in conjunction with... Figure 2 The specific embodiments shown illustrate the above process.

[0095] Step 201: Obtain the discount processing review request;

[0096] Specifically, after a user clicks "Apply for Discount" on the discount processing platform, the platform receives the discount processing review request.

[0097] Step 202: Check whether both the inquiry status verification and the applicant's identity verification have passed;

[0098] Specifically, the discount processing review request undergoes inquiry status verification and applicant identity verification. If both inquiry status verification and applicant identity verification pass, proceed to step 203; if either verification fails, proceed to step 213.

[0099] Step 203: Are there any unfinished prior applications?

[0100] Specifically, if both the inquiry status verification and the applicant identity verification pass, then it is confirmed whether there are any incomplete prior applications. If there are any incomplete prior applications for the current discount processing review request, proceed to step 214; otherwise, proceed to step 204.

[0101] Step 204: Check if there are any conflicting application records in the invoice database;

[0102] Specifically, if there is a conflicting application record in the bill database, then step 213 is executed; otherwise, step 205 is executed.

[0103] Step 205: Confirm the processing type of the discount processing review request;

[0104] Specifically, there are four scenarios regarding the processing type of discount processing review requests. The first scenario is that the processing type corresponding to the current discount processing review request is not configured in the channel adaptation layer; in this case, step 215 should be executed. The second scenario is that the processing type corresponding to the current discount processing review request is the first processing type; in this case, step 206 should be executed. The third scenario is that the processing type corresponding to the current discount processing review request is the second processing type; in this case, step 210 should be executed. The fourth scenario is that the processing type corresponding to the current discount processing review request is the third processing type; in this case, step 211 should be executed.

[0105] Step 206: Check if the organization code verification passes;

[0106] Specifically, if step 205 confirms that the current discount processing request corresponds to the first processing type, then the organization code of the applicant company is verified, for example, whether the company has filled in organization code information. If the organization code verification result of the applicant company is successful, then step 207 is executed; otherwise, step 216 is executed.

[0107] Step 207: Has the business license verification passed?

[0108] Specifically, if the organization code verification of the applicant company passes, the business license will then be verified based on the organization code information, such as whether the company has uploaded an image of its business license. If the business license verification of the applicant company passes, proceed to step 208; if the business license verification of the applicant company fails, proceed to step 216.

[0109] Step 208: Calculate the discount rate and check if the discount quota is sufficient;

[0110] Specifically, if the applicant company's business license is verified, the current discount rate is calculated and output to the user. Simultaneously, it checks whether the current discount amount meets the applied face value. If the discount amount is sufficient, step 209 is executed; otherwise, step 217 is executed.

[0111] Step 209: Call the reviewer's interface;

[0112] Specifically, if step 209 confirms that the current applied discount limit meets the applied face value, or if step 218 guides the user to increase the limit to make up for it, the required reviewer interface is called through the channel router to connect to the funding party review platform. This reviewer is consistent with the funding party applied for in the discount processing review request. After the user enters and submits the processing information, the funding party review platform reviews the processing information and sends the review result back to the discount processing platform.

[0113] Step 210: Output the URL of the verification webpage;

[0114] Specifically, if step 205 confirms that the current discount processing review request corresponds to the second processing type, then the review webpage address, i.e., the external link address, is output. The reviewer at this webpage address is consistent with the funding party requested in the discount processing review request. After the user enters and submits the processing information at the review webpage address, the reviewer reviews the processing information.

[0115] Step 211: Output offline processing prompts;

[0116] Specifically, if it is confirmed in step 205 that the processing type corresponding to the current discount processing review request is the third processing type, then an offline processing prompt will be output so that the user can submit the processing information offline.

[0117] Step 212, obtain feedback results;

[0118] Specifically, regardless of whether steps 209, 210, or 211 are executed, this step will ultimately be performed. That is, the discount processing platform obtains feedback from the funding party regarding the discount processing review request through automatic retrieval or manual input. The feedback results include "under review," "review failed," and "review successful." Users can proceed to the next step based on the different review results received.

[0119] Step 213, intercept the request;

[0120] Specifically, if the inquiry status verification or applicant identity verification fails in step 202, or if a conflicting application record is found in the bill database in step 204, the discount processing review request will be directly intercepted, and the corresponding prompt information will be output.

[0121] Step 214: Return to the original processing step navigation;

[0122] Specifically, if step 203 confirms that there are incomplete preceding applications for the current discount processing review request, then a navigation to return to the original processing stage is executed, allowing the user to return to the original processing stage to continue processing the preceding applications.

[0123] Step 215, prompting that it is not configured;

[0124] Specifically, if it is confirmed in step 205 that the processing type corresponding to the current discount processing review request is not configured in the channel adaptation layer, a prompt message indicating that the processing type is configured will be output to prompt the user to make the corresponding configuration.

[0125] Step 216 prompts for authentication;

[0126] Specifically, if the organization code verification of the applicant company fails in step 206, or the business license verification fails in step 207, the user will be prompted to obtain advanced enterprise certification.

[0127] Step 217: Is it possible to increase the credit limit to make up for the shortfall?

[0128] Specifically, if the current credit limit is insufficient, first check if it can be increased to make up the difference. If so, proceed to step 218; if the credit limit cannot be increased or cannot be made up even after increasing it, proceed to step 219.

[0129] Step 218: Increase the credit limit to make up the amount;

[0130] Specifically, if it is determined in step 217 that the credit limit can be increased and the credit limit can be replenished after the increase, after guiding the user to successfully increase the credit limit, step 209 is executed.

[0131] Step 219, prompting insufficient credit limit;

[0132] Specifically, if it is determined in step 217 that the credit limit cannot be increased or that the credit limit cannot be replenished after the increase, an insufficient credit limit prompt message will be output so that the user can take corresponding actions based on the information.

[0133] Using the discount data processing method provided in this application for oil and gas consumption accounting has at least the following advantages:

[0134] Firstly, business processing formats are categorized into a limited number of fixed types, and then processed accordingly. Simultaneously, the diverse parameters for fund provider review are reduced to a limited number of actions. The main review process is reusable, and the discounting platform only needs to identify a few stable and consistent next-step instructions, without needing to understand complex underlying business logic.

[0135] Secondly, before accessing the funding source, the discounting platform should perform a self-assessment check. Simultaneously, the check for "whether there are any outstanding applications requiring continuation" should be placed before "blocking the bill" to avoid misinterpreting a normal "continue processing of old bills" as a "duplicate application" and incorrectly blocking it.

[0136] Third, external communication is concentrated in the channel adaptation layer, which facilitates the access of more funding parties in the future.

[0137] The present invention will now describe the discount data processing apparatus provided below. The discount data processing apparatus described below can be referred to in correspondence with the discount data processing method described above.

[0138] Figure 3 This is a schematic diagram of the structure of the discount data processing device provided by the present invention. This device is applied to a discount processing platform, and the discount processing platform is connected to at least one funding party review platform via a channel router, such as... Figure 3 As shown, the device includes the following:

[0139] Request unit 310 is configured to retrieve discount processing review requests;

[0140] The inquiry verification unit 320 is configured to verify the inquiry status of the discount processing review request.

[0141] The type confirmation unit 330 is configured to determine the processing type of the discount processing review request in response to the result of the inquiry status verification being passed; wherein the processing type includes: a first processing type, a second processing type, and a third processing type;

[0142] The channel adaptation unit 340 is configured to, in response to the discount processing review request being the first processing type, obtain the processing information input by the user and send the processing information to the funding party review platform corresponding to the discount processing review request through the channel router;

[0143] In response to the discount processing review request being the second processing type, the external link address corresponding to the discount processing review request is obtained, so that the user can process the discount application at the external link address;

[0144] If the discount processing review request is the third processing type, then an offline processing prompt message will be output;

[0145] Feedback acquisition unit 350 is configured to receive feedback results from the funding party's review platform, the external link address, or the offline processing.

[0146] Other preferred embodiments, specific implementations, technical problems that can be solved, and technical effects that can be achieved by the above-mentioned discount data processing device all correspond to the discount data processing method, and will not be repeated here.

[0147] The device embodiments described above are merely illustrative. 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 modules can be selected to achieve the purpose of this embodiment according to actual needs. Those skilled in the art can understand and implement this without any creative effort.

[0148] Through the above description of the embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus necessary general-purpose hardware platforms, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solutions, in essence or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, magnetic disk, optical disk, etc., and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute the methods described in the various embodiments or some parts of the embodiments.

[0149] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article, or apparatus. Unless otherwise specified, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element.

[0150] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, and not to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features; and these modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A method for processing discounted data, characterized in that, The method is applied to a discount processing platform, and the discount processing platform is connected to at least one funding party review platform through a channel router. The method includes: Obtain the discount processing review request; The inquiry status is verified for the discount processing review request; If the result of the inquiry status verification is passed, the processing type of the discount processing review request is determined; wherein, the processing type includes: first processing type, second processing type and third processing type; In response to the discount processing review request being the first processing type, the processing information entered by the user is obtained, and the processing information is sent to the funding party review platform corresponding to the discount processing review request through the channel router; In response to the discount processing review request being the second processing type, the external link address corresponding to the discount processing review request is obtained, so that the user can process the discount application at the external link address; If the discount processing review request is the third processing type, then an offline processing prompt message will be output; Receive feedback results from the funding party's review platform, the external link address, or the offline processing.

2. The method for processing discounted data according to claim 1, characterized in that, In response to the query status verification result being passed, before determining the processing type of the discount processing review request, the method further includes: The applicant's identity is verified for the aforementioned discount processing review request; If the applicant's identity verification is successful, the processing type of the discount processing review request is determined.

3. The method for processing discounted data according to claim 2, characterized in that, In response to the applicant's identity verification being successful, before determining the processing type of the discount processing review request, the method further includes: The business status of the discount processing review request is verified; If the business status verification result is passed, the processing type of the discount processing review request is determined.

4. The method for processing discounted data according to claim 3, characterized in that, The steps for verifying the business status of the discount processing review request include: Determine whether the discount processing review request has any outstanding preliminary applications; If an incomplete prior application exists, navigation information for the prior application is returned; If there are no pending prior applications, it is determined whether there are conflicting application records in the bill database for the bill in the discount processing review request; If a conflicting application record exists in the bill database, the discount processing review request is rejected. If no conflicting application record is found in the ticket database, the business status verification result is passed.

5. The method for processing discounted data according to claim 4, characterized in that, In response to the absence of conflicting application records in the ticket database, the method further includes: The bills in the discount processing review request are locked in the bill database.

6. The method for processing discounted data according to claim 1, characterized in that, The steps for determining the processing type of the discount processing review request include: Determine the funding party information for the discount processing review request; The processing type of the discount processing review request is determined based on the information of the funding party.

7. The method for processing discounted data according to claim 1, characterized in that, Before sending the processing information to the funding party's review platform corresponding to the discount processing review request via the channel router, the method further includes: Verify the company information of the applicant company for the discount processing review request; If the enterprise information verification result is passed, the processing information is sent to the funding party's review platform corresponding to the discount processing review request via the channel router.

8. The method for processing discounted data according to claim 7, characterized in that, The steps for verifying the enterprise information of the applicant enterprise for the discount processing review request include: Query the organization code information of the applicant company; If the organization code information of the applicant company is not empty, then query the business license information of the applicant company. If the business license information of the applicant company is not empty, the result of the company information verification is passed.

9. The method for processing discounted data according to claim 7, characterized in that, In response to the enterprise information verification result being passed, before sending the processing information to the funding party review platform corresponding to the discount processing review request via the channel router, the method further includes: Query the discount amount of the aforementioned discount processing approval request; Compare the discount limit with the face value of the discount processing approval request; If the discount amount is less than the face value of the discount processing review request, an insufficient amount prompt message will be output. If the discount amount is not less than the face value of the discount processing review request, the processing information is sent to the funding party review platform corresponding to the discount processing review request through the channel router.

10. A processing apparatus for discounted data, characterized in that, The device is used in a discount processing platform, and the discount processing platform is connected to at least one funding party verification platform via a channel router. The device includes: The request retrieval unit is configured to retrieve discount processing review requests; The inquiry verification unit is configured to verify the inquiry status of the discount processing review request. A type confirmation unit is configured to determine the processing type of the discount processing review request in response to a pass result of the inquiry status verification; wherein the processing type includes: a first processing type, a second processing type, and a third processing type; The channel adaptation unit is configured to, in response to the discount processing review request being the first processing type, obtain the processing information input by the user and send the processing information to the funding party review platform corresponding to the discount processing review request through the channel router; In response to the discount processing review request being the second processing type, the external link address corresponding to the discount processing review request is obtained, so that the user can process the discount application at the external link address; If the discount processing review request is the third processing type, then an offline processing prompt message will be output; The feedback acquisition unit is configured to receive feedback results from the funding party's review platform, the external link address, or the offline processing.

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