Bill data processing method and apparatus, computer device, and storage medium

Abstract

A bill data processing method and apparatus, a computer device, a storage medium, and a computer program product. The method comprises: upon receipt of a bill uploading request initiated by a service node of a target area, obtaining a consensus result reached on the bill uploading request by a service node of another area other than the service node of the target area in a ledger information sharing blockchain (S202); when the consensus result represents that an uploading pending bill corresponding to the bill uploading request can be uploaded to a bill data processing system, sending a bill data submission instruction to the service node of the target area (S204); and upon receipt of bill data submitted by the service node of the target area, performing bill accounting on a target user account in the bill data processing system to obtain a bill accounting result corresponding to the target user account (S206), wherein the target user account is a user account corresponding to the uploading pending bill. By means of the method, the repayment efficiency of users can be improved.

Description

Bill data processing method, device, computer equipment and storage medium

[0001] This application claims priority to the Chinese patent application filed with the China Patent Office on September 22, 2023, with application number 2023112349366, and application name “Billing data processing method, device, computer equipment and storage medium”, all contents of which are incorporated by reference into this application. Technical Field

[0002] The present application relates to the field of blockchain technology, and in particular to a bill data processing method, apparatus, computer equipment, storage medium, and computer program product. Background Art

[0003] When users conduct business inquiries at business offices in various regions, they often need to check their account statements.

[0004] Currently, when inquiring about account bills, users often only receive information about their local billing location when inquiring about bills at a regional branch due to the independent billing and settlement systems in different regions. However, this billing inquiry method is cumbersome, and users may need to manually settle their bills when making payments, making repayments cumbersome and inefficient.

[0005] Therefore, conventional technologies have the problem of low efficiency in user bill repayment.

[0006] Summary of the Invention

[0007] Based on this, it is necessary to provide a bill data processing method, device, computer equipment, computer-readable storage medium and computer program product that can improve the efficiency of user bill repayment in response to the above technical problems.

[0008] A bill data processing method, comprising:

[0009] Upon receiving a bill upload request initiated by a business node in a target region, obtaining the consensus result reached by business nodes in other regions other than the business node in the ledger information sharing blockchain regarding the bill upload request;

[0010] If the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system, a bill data submission instruction is sent to the target region business node; the bill data submission instruction is used to instruct the target region business node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system;

[0011] Upon receiving the bill data submitted by the target region business node, the bill settlement is performed on the target user account in the bill data processing system to obtain a bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded.

[0012] In one embodiment, the method further comprises:

[0013] When the target area business node receives the target user's repayment information query request, it sends a bill settlement result display instruction to the target area business node; the bill settlement result display instruction is used to instruct the business processing terminal of the target area business node to display the bill settlement result to the target user, so as to prompt the user to repay according to the bill settlement result.

[0014] In one embodiment, the method further comprises:

[0015] When the target region business node receives the target user's bill information query request, it classifies the target user's account bills according to the bill information classification display rules selected by the target user to obtain a bill classification result;

[0016] Send a bill classification result display instruction to the target area business node; the bill classification result display instruction is used to instruct the business processing terminal of the target area business node to display the bill classification result to the target user.

[0017] In one embodiment, the method further comprises:

[0018] Upon receiving the bill data submitted by the business node in the target region, the bills of the target user account are classified according to the regional classification rules to obtain the bill classification results of the target user account in different regions, and the bills of the target user account are classified according to the business type classification rules to obtain the bill classification results of different business types corresponding to the target user account.

[0019] In one embodiment, the method further comprises:

[0020] When the target region business node receives the target user's transaction payment request, it obtains the target user's transaction validity information and the target user's account balance information;

[0021] If the transaction legitimacy information indicates that the user account is a legitimate account and the account balance indicated by the user's account balance information is sufficient to complete the payment for this transaction, the virtual resources in the target user's user account will be frozen according to the payment value corresponding to the transaction payment request until the payment for this transaction is completed.

[0022] In one embodiment, the method further comprises:

[0023] Upon receiving a request for obtaining medical bill data for a target user, obtaining the medical bill data of the target user in the bill data processing system;

[0024] Generate medical bill record reports corresponding to target users based on medical bill data.

[0025] A bill data processing device, comprising:

[0026] An acquisition module, configured to, upon receiving a bill upload request initiated by a business node in a target region, obtain the consensus result reached by business nodes in other regions other than the business node in the ledger information sharing blockchain regarding the bill upload request;

[0027] A sending module is configured to send a bill data submission instruction to a target region business node when the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system; the bill data submission instruction is configured to instruct the target region business node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system;

[0028] The settlement module is used to perform bill settlement on the target user account in the bill data processing system upon receiving the bill data submitted by the business node in the target area, and obtain the bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded.

[0029] A computer device includes a memory and a processor, wherein the memory stores a computer program and the processor implements the steps of the above method when executing the computer program.

[0030] A computer-readable storage medium stores a computer program, which implements the steps of the above method when executed by a processor.

[0031] A computer program product comprises a computer program, which implements the steps of the above method when executed by a processor.

[0032] The above-mentioned bill data processing method, apparatus, computer equipment, storage medium and computer program product obtain the consensus result reached by business nodes in other regions other than the target region in the ledger information sharing blockchain regarding the bill upload request upon receiving a bill upload request initiated by a business node in the target region; send a bill data submission instruction to the business node in the target region when the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system; the bill data submission instruction is used to instruct the business node in the target region to submit the bill data corresponding to the bill to be uploaded to the bill data processing system; upon receiving the bill data submitted by the business node in the target region, perform bill settlement on the target user account in the bill data processing system to obtain a bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded; in this way, the bill to be uploaded can be uploaded to the bill data processing system, and the bills uploaded by the business nodes in each region can be uniformly processed, which is conducive to unified bill settlement of user accounts. Users can obtain bill information from all regions at one time through the bill data processing system, thereby improving user repayment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] FIG1 is a diagram illustrating an application environment of a bill data processing method according to an embodiment;

[0034] FIG2 is a flow chart of a bill data processing method according to an embodiment;

[0035] FIG3 is a flow chart of a bill data processing method according to another embodiment;

[0036] FIG4 is a structural block diagram of a bill data processing device according to an embodiment;

[0037] FIG5 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0038] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0039] It should be noted that the terms "first," "second," and the like in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with certain aspects of the present disclosure.

[0040] The bill data processing method provided in the embodiments of the present application can be applied in the application environment shown in Figure 1 . In this case, a service processing terminal 102 at a target regional service node communicates with a bill data processing system server 104 via a network. A data storage system can store data that the bill data processing system server 104 needs to process. The data storage system can be integrated with the bill data processing system server 104, or it can be located in the cloud or on another network server. Upon receiving a bill upload request initiated by a user at a business processing terminal 102 at a target regional business node, the bill data processing system server 104 obtains the consensus result reached by business nodes in other regions of the ledger information sharing blockchain regarding the bill upload request, excluding the target regional business node. If the consensus result indicates that the bill corresponding to the bill upload request can be uploaded to the bill data processing system, the bill data processing system server 104 sends a bill data submission instruction to the target regional business node. The bill data submission instruction instructs the target regional business node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system. Upon receiving the bill data submitted by the target regional business node, the bill data processing system server 104 performs bill settlement on the target user account in the bill data processing system and obtains a bill settlement result corresponding to the target user account. The target user account is the user account corresponding to the bill to be uploaded. The business processing terminal 102 may be, but is not limited to, various personal computers, laptops, smartphones, or tablet computers. The bill data processing system server 104 may be implemented as a standalone server or a server cluster consisting of multiple servers.

[0041] In one embodiment, as shown in FIG2 , a bill data processing method is provided. The method is described by taking the bill data processing system server 104 in FIG1 as an example, including the following steps:

[0042] Step S202: upon receiving a bill upload request initiated by a target region business node, obtaining a consensus result reached by business nodes in other regions other than the target region business node in the ledger information sharing blockchain regarding the bill upload request.

[0043] Among them, the ledger information sharing blockchain can be a blockchain connected to multiple regional business nodes. Each regional business node in the blockchain has a consensus protocol, and each regional business node in the blockchain can realize ledger information sharing.

[0044] The target area business node may refer to any node in the ledger information sharing blockchain.

[0045] The bill upload request may refer to a request to upload a bill to a bill data processing system.

[0046] Among them, other regional business nodes can refer to any node in the ledger information sharing blockchain.

[0047] The consensus result may be a consensus success or a consensus failure. The actual situation corresponding to the consensus success may be that the number of nodes in the ledger information sharing blockchain that agree to upload the bill accounts for more than 51% of the total number of nodes in the ledger information sharing blockchain.

[0048] In a specific implementation, when the bill data processing system server receives a bill upload request initiated by a business node in a target region, it obtains the consensus result reached by business nodes in other regions other than the business node in the account information sharing blockchain regarding the bill upload request.

[0049] Step S204, when the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system, a bill data submission instruction is sent to the target area business node; the bill data submission instruction is used to instruct the target area business node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system.

[0050] The bill data processing system may be a global bill service system, which can process bills of users in various locations.

[0051] The bill data submission instruction may be an instruction for instructing a regional service node to submit bill data corresponding to a bill.

[0052] The bill data may include consumption information, payee information, payee information, and payer information corresponding to the bill.

[0053] In the specific implementation, when the bill data processing system server determines that the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system, the bill data processing system server sends a bill data submission instruction to the target area business node. When the target area business node receives the bill data submission instruction, it submits the bill data corresponding to the bill to be uploaded to the bill data processing system.

[0054] Step S206: upon receiving the bill data submitted by the target regional service node, performing bill settlement on the target user account in the bill data processing system to obtain a bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded.

[0055] The user account may be an account registered by the user in the billing data processing system.

[0056] The target user account can be any user account.

[0057] The bill settlement results can be obtained by exchanging accounts, verifying and confirming settlement positions between banks based on the accounting information in the bill data processing system. In practice, bills in various countries can be settled based on the account and currency used by the current repaying user.

[0058] In a specific implementation, upon receiving the billing data submitted by the business node in the target region, the billing data processing system server performs bill settlement on the target user account in the billing data processing system and obtains a bill settlement result corresponding to the target user account.

[0059] In practice, because different countries have different clearing systems, their bills are independent of each other, making it impossible to centrally manage their bills and support unified bill viewing and repayment. However, the technical solution of this embodiment can store clearing data for each country as blocks, with each block storing the user's bill information. This allows for unified processing of the user's global bills, allowing users to query their global bills or just their bills for a specific country with a single click and then make repayments. The repayment currency can be selected based on the currencies supported by the current account.

[0060] When a business node in a target region needs to upload a bill, it must obtain the consent of business nodes in other regions of the ledger information sharing blockchain. Once more than 51% of the nodes agree, the bill can be uploaded, achieving decentralized and distributed storage of bills. After a successful bill upload, each regional business node will have a complete account record. All bills can be uniformly categorized within the bill data processing system and cleared based on the supported currencies of the user's current repayment account. Users can then query global bills and make repayments using their current account. This method can achieve unified billing across national clearing systems, improving the convenience of credit card use.

[0061] In the above-mentioned bill data processing method, upon receiving a bill upload request initiated by a target region business node, a consensus result reached by business nodes in other regions other than the target region business node in the ledger information sharing blockchain regarding the bill upload request is obtained; when the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system, a bill data submission instruction is sent to the target region business node; the bill data submission instruction is used to instruct the target region business node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system; upon receiving the bill data submitted by the target region business node, a bill settlement is performed on the target user account in the bill data processing system to obtain a bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded; in this way, the bill to be uploaded can be uploaded to the bill data processing system, and the bills uploaded by the business nodes in each region can be uniformly processed, which is conducive to rapid and unified bill settlement of user accounts. The user can obtain bill information from various regions at one time through the bill data processing system, thereby improving the user's repayment efficiency.

[0062] In another embodiment, the method also includes: when the target area business node receives the target user's repayment information query request, sending a bill settlement result display instruction to the target area business node; the bill settlement result display instruction is used to instruct the business processing terminal of the target area business node to display the bill settlement result to the target user, so as to prompt the user to repay according to the bill settlement result.

[0063] The target user may be a user who has an account in the billing data processing system.

[0064] The repayment information query request may be a request initiated when a repayment information query is required for a current account.

[0065] The bill settlement result display instruction may be an instruction corresponding to instructing the regional service node to display the bill settlement result.

[0066] The business processing terminal may be a bank's self-service terminal.

[0067] In the specific implementation, when the bill data processing system server receives the repayment information query request of the target user at the target area business node, it sends a bill settlement result display instruction to the target area business node, so that the business processing terminal of the target area business node displays the bill settlement result to the target user. The target user can make repayments at the target area business node based on the bill settlement result.

[0068] In actual applications, when a user enters the repayment function of the bill data processing system, bill settlement for various countries will be carried out according to the current default request account.

[0069] The technical solution of this embodiment is to send a bill settlement result display instruction to the target area business node when the target area business node receives a repayment information query request from the target user; the bill settlement result display instruction is used to instruct the business processing terminal of the target area business node to display the bill settlement result to the target user, so as to prompt the user to repay according to the bill settlement result; in this way, when the user queries the repayment information of the account, the bill settlement result corresponding to the user account can be quickly obtained and displayed on the business processing terminal. The user can repay according to the displayed bill settlement result. The user does not need to manually split the account and can quickly repay, thereby improving the user's repayment efficiency.

[0070] In another embodiment, the method also includes: when the target area business node receives the target user's bill information query request, classifying the bills of the target user's account according to the bill information classification display rules selected by the target user to obtain a bill classification result; sending a bill classification result display instruction to the target area business node; the bill classification result display instruction is used to instruct the business processing terminal of the target area business node to display the bill classification result to the target user.

[0071] The bill information query request may be a request corresponding to querying the bill information of an account.

[0072] Among them, the bill information classification display rules can be rules such as classifying and displaying bill information according to different consumption areas, classifying and displaying bill information according to different countries or regions, etc.

[0073] The bill classification result may be a classification result obtained by classifying bill information according to different consumption areas, or a classification result obtained by classifying bills according to different countries or regions.

[0074] The bill classification result display instruction may be an instruction corresponding to instructing the regional business node to display the bill classification result.

[0075] In the specific implementation, when the bill data processing system server receives the bill information query request of the target user at the target area business node, it classifies the bills of the target user account according to the bill information classification display rules selected by the target user to obtain the bill classification results. The bill data processing system server then sends a bill classification result display instruction to the target area business node to instruct the business processing terminal of the target area business node to display the bill classification results to the target user.

[0076] In actual applications, the bill data processing system supports users to view the entire bill or view the bill by category after classifying the bill.

[0077] The technical solution of this embodiment is to classify the bills of the target user account according to the bill information classification display rules selected by the target user when the target area business node receives the bill information query request of the target user, and obtain the bill classification results; send the bill classification result display instruction to the target area business node; the bill classification result display instruction is used to instruct the business processing terminal of the target area business node to display the bill classification results to the target user; in this way, the bills of the user account can be classified according to the viewing rules expected by the user, so that the bill classification results can be quickly displayed to the target user at the business processing terminal, thereby improving the efficiency of the user's bill query.

[0078] In another embodiment, the method further includes: upon receiving bill data submitted by the target region service node, classifying the bills of the target user account according to regional classification rules to obtain bill classification results of the target user account in different regions, and classifying the bills of the target user account according to business type classification rules to obtain bill classification results of different business types corresponding to the target user account.

[0079] The regional classification rule may be a rule for classifying bills according to different regions.

[0080] The business type classification rule may be a rule for classifying bills according to different business types.

[0081] In the specific implementation, when receiving the bill data submitted by the business node in the target area, the bill data processing system server classifies the bills of the target user account according to the regional classification rules, and obtains the bill classification results of the target user account in different regions, and the bill data processing system server classifies the bills of the target user account according to the business type classification rules, and obtains the bill classification results of different business types corresponding to the target user account.

[0082] The technical solution of this embodiment is to classify the bills of the target user account according to the regional classification rules upon receiving the bill data submitted by the business node in the target area, so as to obtain the bill classification results of the target user account in different areas, and to classify the bills of the target user account according to the business type classification rules, so as to obtain the bill classification results of different business types corresponding to the target user account; in this way, the bills of the target user account can be classified according to multiple classification rules to obtain bill classification results, and users can obtain different bill classification results, which is beneficial for users to view their own bill information.

[0083] In another embodiment, the method further includes: when the target area business node receives the transaction payment request of the target user, obtaining the transaction legitimacy information and account balance information of the target user; when the transaction legitimacy information indicates that the user account is a legitimate account and the account balance indicated by the user's account balance information is capable of completing the transaction payment, freezing the virtual resources in the user account of the target user according to the payment value corresponding to the transaction payment request until the transaction payment is completed.

[0084] The transaction payment request may be a payment request initiated by a user to a regional business node when making a consumption payment.

[0085] The transaction legality information may include information such as whether the user's account is legal, whether the user's identity is legal, etc.

[0086] The account balance information may be the user's account balance value.

[0087] In the specific implementation, when the billing data processing system server receives the target user's transaction payment request at the target area business node, it obtains the target user's transaction legitimacy information and the target user's account balance information. The billing data processing system server determines whether the target user's account is a legal account based on the target user's transaction legitimacy information. The billing data processing system server determines whether the target user's account balance can complete the transaction payment based on the user's account balance information. When the billing data processing system server determines that the target user's account is a legal account and the target user's account balance can complete the transaction payment, the billing data processing system server freezes the virtual resources in the target user's user account according to the payment value corresponding to the transaction payment request until the transaction payment is completed.

[0088] The technical solution of this embodiment is to obtain the target user's transaction legitimacy information and the target user's account balance information when the target area business node receives the target user's transaction payment request; when the transaction legitimacy information indicates that the user account is a legal account and the account balance indicated by the user's account balance information is sufficient to complete the current transaction payment, the virtual resources in the target user's user account are frozen according to the payment value corresponding to the transaction payment request until the current transaction payment is completed; in this way, it is possible to quickly determine whether the current transaction payment can be carried out based on the user's account information, ensure that each transaction complies with the transaction specifications, and thus help ensure transaction security.

[0089] In another embodiment, the method further includes: upon receiving a request for obtaining medical bill data for a target user, obtaining medical bill data of the target user in a bill data processing system; and generating a medical bill record report corresponding to the target user based on the medical bill data.

[0090] The medical bill data acquisition request may be an acquisition request initiated by a business organization when it needs to retrieve a user's medical bill information.

[0091] The medical bill data may be medical-related bill data of the user in a bill data processing system.

[0092] The medical bill record report may be a report that can reflect the user's medical consumption record.

[0093] In a specific implementation, when the bill data processing system server receives a request for obtaining medical bill data for a target user from other business results, it obtains the medical bill data of the target user in the bill data processing system, and generates a medical bill record report corresponding to the target user based on the medical bill data.

[0094] The technical solution of this embodiment, upon receiving a request to obtain medical bill data for a target user, obtains the medical bill data of the target user in the bill data processing system; and generates a medical bill record report corresponding to the target user based on the medical bill data. In this way, the user's medical bill record report can be quickly obtained, which is conducive to the rapid review of the user's medical account.

[0095] In another embodiment, as shown in FIG3 , a bill data processing method is provided. The method is described by taking the bill data processing system server 104 in FIG1 as an example, and includes the following steps:

[0096] Step S302: Upon receiving a bill upload request initiated by a target region business node, a consensus result reached by business nodes in other regions other than the target region business node in the ledger information sharing blockchain regarding the bill upload request is obtained.

[0097] Step S304, when the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system, a bill data submission instruction is sent to the target area business node; the bill data submission instruction is used to instruct the target area business node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system.

[0098] Step S306: upon receiving the bill data submitted by the target regional service node, performing bill settlement on the target user account in the bill data processing system to obtain a bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded.

[0099] Step S308: Upon receiving a request for obtaining medical bill data for the target user, obtain the medical bill data of the target user in the bill data processing system.

[0100] Step S310: Generate a medical bill record report corresponding to the target user based on the medical bill data.

[0101] It should be noted that the specific limitations of the above steps can refer to the specific limitations of a bill data processing method above.

[0102] It should be understood that, although the various steps in the flowcharts involved in the various embodiments described above are displayed in sequence according to the instructions of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowcharts involved in the various embodiments described above can include multiple steps or multiple stages, and these steps or stages are not necessarily executed and completed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0103] Based on the same inventive concept, embodiments of the present application also provide a bill data processing device for implementing the aforementioned bill data processing method. The solution provided by this device is similar to the solution described in the aforementioned method. Therefore, the specific limitations of one or more bill data processing device embodiments provided below can be found in the above-described limitations of the bill data processing method and will not be further elaborated here.

[0104] In one embodiment, as shown in FIG4 , a bill data processing device is provided, including:

[0105] Acquisition module 402 is specifically configured to, upon receiving a bill upload request initiated by a target region business node, obtain a consensus result reached by business nodes in other regions other than the target region business node in the ledger information sharing blockchain regarding the bill upload request;

[0106] The sending module 404 is specifically configured to send a bill data submission instruction to the target region business node when the consensus result indicates that the bill to be uploaded corresponding to the bill upload request can be uploaded to the bill data processing system. The bill data submission instruction is used to instruct the target region business node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system.

[0107] The settlement module 406 is specifically used to perform bill settlement on the target user account in the bill data processing system upon receiving the bill data submitted by the target regional business node, and obtain the bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded.

[0108] In one embodiment, the device also includes: a repayment information display module, which is specifically used to send a bill settlement result display instruction to the target area business node when the target area business node receives a repayment information query request from the target user; the bill settlement result display instruction is used to instruct the business processing terminal of the target area business node to display the bill settlement result to the target user, so as to prompt the user to repay according to the bill settlement result.

[0109] In one embodiment, the device also includes: a display module, which is specifically used to classify the bills of the target user account according to the bill information classification display rules selected by the target user when the target area business node receives a bill information query request from the target user, and obtain a bill classification result; send a bill classification result display instruction to the target area business node; the bill classification result display instruction is used to instruct the business processing terminal of the target area business node to display the bill classification result to the target user.

[0110] In one embodiment, the device also includes: a classification module, which is specifically used to classify the bills of the target user account according to the regional classification rules when receiving the bill data submitted by the business node in the target area, and obtain the bill classification results of the target user account in different regions, and classify the bills of the target user account according to the business type classification rules, and obtain the bill classification results of different business types corresponding to the target user account.

[0111] In one embodiment, the device also includes: a freezing module, which is specifically used to obtain the target user's transaction legitimacy information and the target user's account balance information when the target area business node receives the target user's transaction payment request; when the transaction legitimacy information indicates that the user account is a legal account and the account balance represented by the user's account balance information is able to complete the transaction payment, the virtual resources in the target user's user account are frozen according to the payment value corresponding to the transaction payment request until the transaction payment is completed.

[0112] In one embodiment, the device further includes: a generation module, specifically configured to obtain the medical bill data of the target user in the bill data processing system upon receiving a request for obtaining medical bill data for the target user; and generate a medical bill record report corresponding to the target user based on the medical bill data.

[0113] Each module in the bill data processing device may be implemented in whole or in part through software, hardware, or a combination thereof. Each module may be embedded in or independent of a processor in a computer device in the form of hardware, or may be stored in a memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each module.

[0114] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be shown in Figure 5. The computer device includes a processor, a memory, and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store billing data processing data. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a billing data processing method is implemented.

[0115] Those skilled in the art will understand that the structure shown in FIG5 is merely a block diagram of a portion of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0116] In one embodiment, a computer device is provided, including a memory and a processor. The memory stores a computer program. When the computer program is executed by the processor, the processor performs the steps of the aforementioned bill data processing method. The steps of the bill data processing method may be the steps of the bill data processing method in each of the aforementioned embodiments.

[0117] In one embodiment, a computer-readable storage medium is provided, storing a computer program. When executed by a processor, the computer program causes the processor to perform the steps of the aforementioned bill data processing method. The steps of the bill data processing method herein may be the steps of the bill data processing method in each of the aforementioned embodiments.

[0118] In one embodiment, a computer program product is provided, including a computer program. When the computer program is executed by a processor, the processor executes the steps of the above-mentioned bill data processing method. The steps of the bill data processing method here can be the steps of the bill data processing method in each of the above-mentioned embodiments.

[0119] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0120] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory may include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, distributed databases based on blockchains. The processor involved in the various embodiments provided herein may be, but are not limited to, a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, and the like.

[0121] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0122] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A bill data processing method, comprising: Upon receiving a bill upload request initiated by a target region business node, obtaining a consensus result reached by business nodes in other regions other than the target region business node in the ledger information sharing blockchain regarding the bill upload request; When the consensus result indicates that the to-be-uploaded bill corresponding to the bill upload request can be uploaded to the bill data processing system, sending a bill data submission instruction to the target regional business node; The bill data submission instruction is used to instruct the target area service node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system; Upon receiving the bill data submitted by the target area service node, the bill settlement is performed on the target user account in the bill data processing system to obtain a bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded.

2. The method according to claim 1, further comprising: When the target area service node receives the repayment information query request of the target user, sending a bill settlement result display instruction to the target area service node; The bill settlement result display instruction is used to instruct the business processing terminal of the target area business node to display the bill settlement result to the target user, so as to prompt the user to repay according to the bill settlement result.

3. The method according to claim 1, further comprising: When the target area service node receives a bill information query request from a target user, classifying the bills of the target user account according to the bill information classification display rule selected by the target user to obtain a bill classification result; Sending a bill classification result display instruction to the target area business node; The bill classification result display instruction is used to instruct the business processing terminal of the target area business node to display the bill classification result to the target user.

4. The method according to claim 1, further comprising: Upon receiving the bill data submitted by the target regional service node, the bills of the target user account are classified according to the regional classification rules to obtain the bill classification results of the target user account in different regions, and the bills of the target user account are classified according to the business type classification rules to obtain the target user account. The bill classification results of different business types corresponding to each user.

5. The method according to claim 1, further comprising: When the target area service node receives a transaction payment request from a target user, obtaining transaction legality information of the target user and account balance information of the target user; When the transaction legitimacy information indicates that the user account is a legitimate account and the account balance represented by the user's account balance information is sufficient to complete the payment for this transaction, the virtual resources in the user account of the target user are frozen according to the payment value corresponding to the transaction payment request until the payment for this transaction is completed.

6. The method according to claim 1, further comprising: Upon receiving a request for obtaining medical bill data for a target user, obtaining medical bill data of the target user in the bill data processing system; Generate a medical bill record report corresponding to the target user based on the medical bill data.

7. The method according to any one of claims 1 to 6, wherein: The ledger information sharing blockchain is a blockchain connected to multiple regional business nodes. Each regional business node in the blockchain has a consensus protocol, and each regional business node in the blockchain can realize ledger information sharing.

8. The method according to any one of claims 1 to 6, wherein: The bill settlement result is the result obtained after exchanging accounts, checking and confirming the settlement position among banks according to the accounting information on the bill data processing system.

9. The method according to claim 2, wherein: The bill settlement result display instruction is an instruction corresponding to instructing the regional service node to display the bill settlement result.

10. The method according to claim 3, wherein: The bill classification result display instruction is an instruction corresponding to instructing the regional business node to display the bill classification result.

11. A bill data processing device, comprising: An acquisition module, configured to, upon receiving a bill upload request initiated by a target region business node, acquire a consensus result reached by business nodes in other regions other than the target region business node in the ledger information sharing blockchain with respect to the bill upload request; A sending module, configured to send a bill data submission instruction to the target area business node when the consensus result indicates that the to-be-uploaded bill corresponding to the bill upload request can be uploaded to the bill data processing system; The account The single data submission instruction is used to instruct the target area service node to submit the bill data corresponding to the bill to be uploaded to the bill data processing system; The settlement module is used to perform bill settlement on the target user account in the bill data processing system upon receiving the bill data submitted by the target area business node, and obtain the bill settlement result corresponding to the target user account; the target user account is the user account corresponding to the bill to be uploaded.

12. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

13. A computer-readable storage medium having a computer program stored thereon, wherein: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

14. A computer program product comprising a computer program, wherein: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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