CN109636594A

CN109636594A - Assets package management method, device, equipment and storage medium based on big data

Info

Publication number: CN109636594A
Application number: CN201811207457.4A
Authority: CN
Inventors: 刘鑫宇; 邓新文; 陈伟城; 冯辉; 王柳清; 顾佳页; 刘浩
Original assignee: OneConnect Smart Technology Co Ltd
Current assignee: OneConnect Smart Technology Co Ltd
Priority date: 2018-10-16
Filing date: 2018-10-16
Publication date: 2019-04-16

Abstract

The present invention discloses a kind of assets package management method, device, equipment and storage medium based on big data, the described method includes: when control centre receives the transaction request to assets packet, call trading channel subsystem, and the trading channel of activating sale channel subsystem, to carry out the transaction of transaction request；When control centre, which receives data, imports instruction, asset management subsystem is called to verify business datum every in assets packet, and import after verifying successfully to each business datum；When control centre receives the refund data to each business datum, accounting subsystem is called to calculate each business datum, generates and calculate as a result, and being updated with result is calculated to assets packet.This programme carries out a point function management to assets packet, and different functions is realized by different processing logics, and corresponding different processing code reduces the coupling between code, while later maintenance is also carried out according to function, reduces maintenance difficulties.

Description

Assets package management method, device, equipment and storage medium based on big data

Technical field

The invention mainly relates to financial technology fields, specifically, being related to a kind of assets packet manager based on big data Method, device, equipment and storage medium.

Background technique

With the development of technology, during operation, involved assets packet is more and more, in assets packet for financial institution Including a plurality of business datum, the debt information of the corresponding debt side of every business datum；Financial institution will be from the third-party institution The assets packet obtained is assigned to different undertaking sides, by each undertaking side to business datum institute according to the form of business datum The debt of corresponding debt side carries out collection.

Because the amount of business datum involved by assets packet is more, and in assets packet use process, it is related to refunding, core The management of many aspects such as calculation, displaying；In order to realize that the management of each business datum in all fields needs to be opened by developer The processing logic that send out various complicated, the code coupling between each processing logic is high, increases the difficulty of exploitation, while unfavorable In the maintenance of later period operation maintenance personnel.

Summary of the invention

The main object of the present invention is to provide a kind of assets package management method, device, equipment and storage based on big data Medium, it is intended to solve to realize that assets assure coupling height between the code of reason in the prior art, development difficulty is big, is unfavorable for safeguarding The problem of.

To achieve the above object, the present invention provides a kind of assets package management method based on big data, is applied to assets packet Management system, the assets packet management system include control centre, trading channel subsystem, calculate subsystem and asset management System, the assets package management method based on big data the following steps are included:

When the control centre receives the transaction request to assets packet, the trading channel subsystem is called, and swash The trading channel of the trading channel subsystem living, to carry out the transaction of the transaction request；

When the control centre, which receives data, imports instruction, call the asset management subsystem to the assets packet Middle items business datum is verified, and is imported after verifying successfully to every business datum；

When the control centre receives the refund data to each business datum, the accounting subsystem pair is called Each business datum is calculated, and is generated and is calculated as a result, and being updated with the accounting result to the assets packet.

Preferably, the assets packet management system further includes finance system, described when the control centre receives pair When the refund data of each business datum, the accounting subsystem is called to calculate each business datum, generates core Calculate result the step of include:

When the control centre receives the refund data to each business datum, the finance system pair is called The refund data carry out matching verifying, and read the refund identifier carried in the refund data；

After the finance system is proved to be successful the refund Data Matching, the control centre is according to the refund Identifier determine in each business datum to reimbursement business data；

The control centre according to the refund data, call the accounting subsystem to it is described to reimbursement business data into Row is calculated, and is generated and is calculated result.

Preferably, the assets packet management system further includes configuration subsystem, it is described after verifying successfully described in items Include: after the step of business datum is imported

The control centre reads type identifier and debt side's information in each business datum, and according to described Type identifier calls the configuration subsystem to configure the type of service of each business datum, for the assets Management subsystem carries out classification to each business datum and shows according to each type of service；

The control centre carries out grade of service division according to debt side's information, to each business datum, wherein The refund credit score of the business datum is higher, and the grade of service is higher；

The configuration is called according to the corresponding relationship between the grade of service and default refund sequence by the control centre Subsystem is that the business datum with each grade of service configures refund sequence.

Preferably, described that the accounting subsystem is called to calculate to described to reimbursement business data, it generates and calculates knot The step of fruit includes:

The control centre is called the accounting subsystem, and the accounting subsystem reads described to reimbursement business The target refund sequence of data, when the target refund sequence is a kind of refund sequence, then described in the accounting subsystem use Refund data calculate the capital in reimbursement business data, generate and calculate result；

When the target refund sequence is two class refund sequence, the accounting subsystem then uses the refund data to institute It states and is calculated to the interest in reimbursement business data, generate and calculate result；

When the target refund sequence is three classes refund sequence, the accounting subsystem then uses the refund data to institute It states and is calculated to the service charge in reimbursement business data, generate and calculate result.

Preferably, described the step of being updated with the accounting result to the assets packet, includes:

The control centre calls the accounting result that will be updated to described in the assets packet to reimbursement business data Business datum is updated, the update business data transmission to the finance system stores the update business datum To the finance system；

The control centre is by the update business data transmission to the asset management subsystem, for the Assets Reorganization Taking Reason subsystem is updated display to the update business datum.

Preferably, include: after the step of transaction for carrying out the transaction request

When the control centre, which receives, replaces request, the corresponding assets Bao Zhongye to be replaced of request is replaced described in reading The quantity for data of being engaged in, and judge business datum in the assets packet to be replaced quantity whether with business datum in the assets packet Quantity it is consistent；

If consistent with the quantity of business datum in the assets packet, the type of request is replaced according to, to it is described to Assets packet is replaced to carry out replacing operation；

If inconsistent with the quantity of business datum in the assets packet, replaced according to request type, it is described to The quantity for replacing business datum in the quantity of business datum in assets packet and the assets packet, to the assets packet to be replaced into Row replaces operation.

Preferably, the type that request is replaced according to, in the assets packet to be replaced business datum quantity with And in the assets packet business datum quantity, carrying out the step of replacing operation to the assets packet to be replaced includes:

When the type for replacing request is the first kind, then it is corresponding to read the transaction request for the control centre Transaction amount, according to the quantity of business datum and the assets Bao Zhongye in the transaction amount, the assets packet to be replaced The quantity for data of being engaged in, determines refund amount, and carry out replacing operation to the assets packet to be replaced according to the refund amount；

When the type for replacing request is Second Type, then the control centre is according in the assets packet to be replaced Business datum, the assets packet to be replaced is carried out replacing operation.

In addition, to achieve the above object, the present invention also proposes a kind of assets packet managing device based on big data, the base Include: in the assets packet managing device of big data

Calling module when for receiving the transaction request to assets packet when the control centre, calls the transaction logical Road subsystem, and the trading channel of the trading channel subsystem is activated, to carry out the transaction of the transaction request；

Import modul, for calling the asset management subsystem when the control centre receives data and imports instruction System verifies business datum every in the assets packet, and leads after verifying successfully to every business datum Enter；

Update module when for receiving the refund data to each business datum when the control centre, calls institute It states accounting subsystem to calculate each business datum, generates and calculate as a result, and with the accounting result to the assets Packet is updated.

In addition, to achieve the above object, the present invention also proposes a kind of assets packet management equipment based on big data, the base In the assets packet management equipment of big data include: memory, processor, communication bus and the base being stored on the memory In the assets packet management program of big data；

The communication bus is for realizing the connection communication between processor and memory；

The processor is for executing the assets packet management program based on big data, to perform the steps of

In addition, to achieve the above object, the present invention also provides a kind of storage medium, the storage medium be stored with one or More than one program of person, the one or more programs can be executed by one or more than one processor with In:

The assets package management method based on big data of the present embodiment is preset including control centre, trading channel System, the assets packet management system for calculating subsystem and asset management subsystem, by the assets packet management system to assets packet It is managed.When control centre receives the transaction request to assets packet, trading channel subsystem is called, and activate the transaction The trading channel of channel subsystem, to carry out the transaction of transaction request；After completion of transactions, then assets packet can be imported into assets Management subsystem then calls asset management subsystem to every in assets packet when control centre, which receives data, imports instruction Business datum is verified, and is then imported to every business datum after verifying successfully；It receives in control centre to each industry When the refund data for data of being engaged in, then calls to calculate subsystem each business datum calculate to generate and calculate as a result, and with the core Result is calculated to be updated assets packet.This programme carries out a point function management to assets packet, and different functions is patrolled by different processing It collects and realizes, corresponding different processing code can carry out code development according to function, and then to each funcall, realize assets Transaction, importing and the accounting of packet；It avoids that same set of code is arranged for different function, is adjusted mutually between the code of different function With；The coupling between code is reduced, while the maintenance in later period is also carried out according to the code of each function, to corresponding with function Code be updated maintenance, reduce the difficulty of maintenance.

Detailed description of the invention

Fig. 1 is the flow diagram of the assets package management method first embodiment of the invention based on big data；

Fig. 2 is the functional block diagram of the assets packet managing device first embodiment of the invention based on big data；

Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.

The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.

Specific embodiment

It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.

The present invention provides a kind of assets package management method based on big data.

Fig. 1 is please referred to, Fig. 1 is that the present invention is based on the signals of the process of the assets package management method first embodiment of big data Figure.In the present embodiment, the assets package management method based on big data is applied to assets packet management system, the assets packet Management system includes control centre, trading channel subsystem, calculates subsystem and asset management subsystem；It is described to be based on big data Assets package management method include:

Step S10 calls the trading channel subsystem when the control centre receives the transaction request to assets packet System, and the trading channel of the trading channel subsystem is activated, to carry out the transaction of the transaction request；

Assets package management method based on big data of the invention is applied to the assets packet management system in financial institution Control centre, suitable for being managed by assets packet of the assets packet management system to financial institution；Wherein assets packet is finance The debt information that mechanism is bought to the third-party institution, each debt information are present in assets packet in the form of EXCEL file, The corresponding debt information of a line in EXCEL file；Debt side's title, identification card number are included at least in every debt information The data such as code, telephone number, debt type, amount owed, debt duration characterize every terms of information possessed by every debt.It will One debt information includes various multinomial business datums, each business datum in assets packet as a business datum It is corresponding with a debt.The management of assets packet is related to the function of the various aspects such as purchase, refund, accounting, the display of assets packet Can, according to this various aspects function by assets packet management system be respectively divided into trading channel subsystem, calculate subsystem and Asset management subsystem is realized different functions by different subsystems；The control centre of assets packet management system is to each height System carries out data communication in such a way that interface calls, and with the switching between each function, realizes to the whole of assets packet The management of a process.Specifically, display interface is provided in asset management subsystem, the staff of financial institution can be by this Display interface selects the assets packet bought required for it, and initiates to apply to purchase process to the third-party institution with the assets packet；? Apply to purchase and initiates transaction request, its payment substantially to the assets packet of required purchase of the transaction request to control centre by rear Request.For the safety of transaction, payment operation carries out in dedicated transaction system, as (China Unionpay's terminal is remote for TMS system Journey maintaining-managing system)；It is established between transaction system and the control centre of assets packet management system by trading channel subsystem The connection of check out aisle calls trading channel subsystem, and activate when control centre receives the transaction request to assets packet The trading channel of the trading channel subsystem, to be paid the bill by transaction request of the trading channel to assets packet.

Trading channel is correspondingly arranged on different channel numbers, and transaction system can be built by being called to channel number Vertical and assets assure the connection between reason System Control Center；After trading channel activation, when receiving the tune to trading channel With request, i.e., when transaction system is to the call request of channel number, the connection between transaction system and control centre is established, and will The information of transaction request is sent to transaction system by trading channel；Wherein the information of transaction request includes Send only Account, payment The amount of money.Transaction system carries out payment operation, i.e., by Payment Amount payment to payment account after receiving the information of this transaction request In family, the transaction of transaction request is completed.In addition, before payment, Send only Account is verified for the safety of fund, By traversal blacklist, judge that this Send only Account whether in blacklist, is determined as secured account if not in blacklist, into Row payment operation；It is determined as non-security account if in blacklist, and without payment operation.

Step S20 calls the asset management subsystem to institute when the control centre, which receives data, imports instruction It states every business datum in assets packet to be verified, and every business datum is imported after verifying successfully；

Further, after the completion of the transaction to transaction request, i.e., to the assets packet successful payment of required purchase after, then It needs for the assets packet of the purchase to imported into assets packet management system, to be managed assets packet.Specifically, asset management It is provided with the virtual key that request imports in the display interface of subsystem, is led to the trigger action of the virtual key as data Enter instruction；When control centre, which receives the data, imports instruction, call the verifying function in asset management subsystem to assets Every business datum is verified in packet.Present in because of every business datum in assets packet, it is substantially in the form of EXCEL Each debt information, and every debt information includes multiple data；In verification, first verify uploaded assets packet whether with EXCEL file form exists；If existing in the form of EXCEL file, the required information in each business datum is further verified It whether is null value, whether the format of every business datum is all satisfied requirement；If existing not in the form of EXCEL file, determine to provide It is unqualified to produce packet, without subsequent verification and import operation.The wherein information that required information is had to by call in arrears, Such as accommodator's telephone number, amount owed；And the format of business datum is the format with debt information corresponding types, is such as contacted Format corresponding to phone or date is digital data.

After every business datum in assets packet verifies successfully, then every business datum can be imported, and lead Enter with the behavior unit in EXCEL file, a line content in each Read EXCEL Document is imported, until EXCEL file In all row contents import completion.And when existing in assets packet without verifying successful business datum, then basis does not have school Test the quantity of successful business datum, it is determined whether import operation is carried out to business datum；If when without verifying successful business The quantity of data accounts for 90% of business datum total quantity in assets packet, then does not carry out importing behaviour to the business datum in assets packet Make；And when the quantity without verifying successful business datum accounts for 10% of business datum total quantity in assets packet, then to assets packet The business datum of middle verification successful 90% carries out import operation, then the business datum by no verification successful 10% mentions Show.Successful proportional region is verified by setting, when business datum verifies successful quantity greater than the ratio model in assets packet It encloses, then import operation is carried out to the successful business datum of verification；When the successful quantity of business datum verification is not more than in assets packet The proportional region does not then carry out import operation to business datum any in assets packet.It should be noted that successful to verifying After the completion of business datum imports, because each business datum includes a plurality of types of debt side's information, need various types of to this Debt side's information is split, and by debt side's information aggregate of same type in each business datum to together, forms a seed type The EXCEL table of debt side's information；Such as accommodator's identification card number in every business datum is split, and brings together and to be formed Identity information table.Because it is each split and gathered due to the EXCEL table that is formed in contain the information of same debt side, in order into Row distinguishes between each debt side, i.e., every business datum, and is associated between each EXCEL table, to each Debt side distributes unique identifier, so that deriving from the information mark having the same of same debt side in difference EXCEL table Symbol.

Step S30 calls the accounting when the control centre receives the refund data to each business datum Subsystem calculates each business datum, generates and calculates as a result, and being carried out with the accounting result to the assets packet It updates.

Understandably, for the business datum of characterization debt information in assets packet, debt side is needed to corresponding debt Amount owed in information is repaid.Debt side repays its balance due, using the information of the repayment as also amount of money According to；When control centre receives the refund data to each business datum, then calls and calculate subsystem to the progress of each business datum It calculates, generates and calculate result.Because debt side is when repaying, generally directed to the amount owed in debt information relevant to he or she It is repaid；To when calculating, it is thus necessary to determine that the targeted business datum of refund data, debt side is in repayment, meeting The serial number of the targeted debt information of characterization refund is generated, assets packet management system can determine refund data institute by the serial number For business datum；And then the business datum is calculated, it generates and calculates result.Wherein, assets packet management system is also wrapped Finance system is included, is matched by the finance system business datum targeted to debt side's repayment；Specifically, when When control centre receives the refund data to each business datum, accounting subsystem is called to calculate each business datum, it is raw Include: at the step of calculating result

Step S31 calls the finance when the control centre receives the refund data to each business datum Subsystem carries out matching verifying to the refund data, and reads the refund identifier carried in the refund data；

Further, debt side is needed when repaying to its balance according to the letter for characterizing its identity uniqueness It ceases, such as ID card No. or bank account, the fund of repayment required for the debt Xiang Weiqi to ensure repayment.Debt side is true Its fixed repayment then carries out repayment operation without mistaking, the debt bank that debt is belonged in the debt for receiving repayment, Serial number can be generated, to characterize the targeted debt information of debt and repayment amount, refund time etc..The debt bank and Establishing between assets packet management system has communication connection, and generated serial number is sent assets packet management system by debt bank. Financial institution is provided with monitoring mechanism to refund simultaneously, monitoring accommodator refund selected refund account cash flow emotionally Condition, and refund account and volume of aggregate financial flow that monitoring is obtained, as refund information, financial institution sends the refund information to Assets packet management system.

The control centre of assets packet management system goes back using the serial number received and refund information as to business datum Amount of money evidence, and after receiving the refund data, call finance system to match refund data.Every business datum warp The identical information split is formed by EXCEL table and is stored in financial system, such as debt side's ID card information table, debt Square refund account information table etc., each data in each table carry the identifier of every business datum in characterization source. To ID card No. included in the serial number of data and the comparison of ID card information table of refunding, its corresponding mark is determined Symbol；Refund account in refund data and refund account information table are compared again, its corresponding identifier is determined, is identified by the two The consistency of symbol, if the two is directed to same business datum, illustrates it is to be directed to judge whether refund data are directed to same business Same debt is repaid；And then judge whether refund between the two is identical, then determines refund Data Matching if they are the same It is proved to be successful.If otherwise the two is not inconsistent for the refund between same debt information or both, determine The two is not to match authentication failed for same debt information.After matching is proved to be successful, control centre is read in refund data Entrained refund identifier, i.e., identifier corresponding with ID card No. in refund data, or it is corresponding with refund account Identifier, by the targeted business datum of refund identifier characterization refund.

Step S32, after the finance system is proved to be successful the refund Data Matching, the control centre according to The refund identifier determine in each business datum to reimbursement business data；

Further, after finance system is proved to be successful refund Data Matching, control centre then can be according to refund Identifier determines targeted business datum of refunding, i.e., is repaid for which business datum in assets packet；By the business Data are used as to reimbursement business data, to distinguish with other business datums in assets packet.

Step S33, the control centre call the accounting subsystem to the industry to be refunded according to the refund data Business data are calculated, and are generated and are calculated result.

It is determining after reimbursement business data, control centre then can call accounting subsystem to wait for this according to refund data Reimbursement business data are calculated.Because including the current balance amount of money in debt side to reimbursement business data, and refund data are The current institute's repayment amount of money in debt side；To calculate subsystem when calculating, with to the amount owed in reimbursement business data The refund in refund data is subtracted, the obtained result amount of money remaining deficient after being repaid by debt side is subtracted each other, The amount of money that the residue is owed is to calculate as a result, subsequent debt side is repaid on this basis.

Because its essence is present in assets packet in the form of business datum to reimbursement business data, reimbursement business number is being treated According to accounting completion is carried out, generates after calculating result, assets packet is updated with the accounting result.Update operation its substantially pair Be updated to the amount owed in reimbursement business data, to be updated to the fund amount of money before current institute, debt side, it is subsequent When receiving refund data, calculated on the basis of the current balance amount of money of the update.Because needing before calculating in wealth Business subsystem carries out matching verifying, and each business datum fractionation in assets packet is stored in finance system and is formed by EXCEL table, It needs to carry out for the fractionation data in the EXCEL table stored in finance system to update.In addition, asset management subsystem The display interface of system shows that same update needs for asset management to the refund situation of each business datum in assets packet Business datum shown by subsystem carries out；To include: the step of being updated with accounting result to assets packet

Step S34, the control centre call the accounting result by described in the assets packet to reimbursement business number It, will the more new business by the update business data transmission to the finance system according to update business datum is updated to Data are stored to the finance system；

Understandably, result is calculated calculating to the amount owed in reimbursement business data, calculates its essence of result For after reimbursement business data through refund operation refund after remaining amount owed, by the accounting result treat reimbursement business data into Row updates, and with result replacement is calculated to the amount owed in reimbursement business data, will be updated to update industry to reimbursement business data Business data.Control centre is by the update business data transmission to finance system, to the EXCEL stored in finance system Fractionation data in table are updated；Because the fractionation data involved by EXCEL table are numerous, but each data carry it The identifier of source business datum, and update business datum and derive to reimbursement business data, it carries and to reimbursement business data Consistent identifier.So as to which the mark for respectively splitting data in identifier and EXCEL table entrained in business datum will be updated Know symbol comparison, determine in EXCEL table with update the consistent identifier of identifier in business datum, and then replaced with update business datum The fractionation data of the consistent identifier of this in EXCEL table are changed, realizes to the update for splitting data is stored in finance system, i.e., will Business datum storage is updated into finance system.

Step S35, the control centre is by the update business data transmission to the asset management subsystem, for institute It states asset management subsystem and display is updated to the update business datum.

Further, control centre will update business data transmission to asset management subsystem, in asset management subsystem The display interface of system will be updated to update business datum to reimbursement business data and show, more new business number is shown in display interface According to the last repayment amount, the information such as time, refund account of refunding, in order to check the newest refund for updating business datum Situation.

Further, in another embodiment of assets package management method the present invention is based on big data, the assets are assured Reason system further includes configuration subsystem, is wrapped after described the step of importing after verifying successfully to every business datum It includes:

Step S40, the control centre read type identifier and debt side's information in each business datum, and According to the type identifier, the configuration subsystem is called to configure the type of service of each business datum, for The asset management subsystem carries out classification to each business datum and shows according to each type of service；

The assets packet management system of the present embodiment further includes the configuration subsystem configured for business datum, configuration Content includes the type of service and refund sequence of business datum.It is imported successful business datum will be verified in assets packet After operation, control centre reads type identifier and debt side's information in every business datum, to be identified according to the type Symbol and debt side's information carry out the configuration of type of service and refund sequence.In order to be distinguished to various types business datum, when When being imported to business datum, number of the configuration subsystem to the distribution of every business datum as identifier is first passed through, is formed Otherness between every business datum, such as first item business datum number 0001, Section 2 business datum number 0002；Right When every business datum is split, the information of each fractionation carries the number of its source business datum.In addition, every industry Business data carry type identifier, to characterize the debt type in each business datum, are such as characterized with type identifier " 1 " Debt is mortgaged, and with type identifier " 0 " characterization without mortgage debt.Preset pair between type identifier and type of service It should be related to, to characterize the corresponding relationship between debt type and traffic data type；The type of debt is such as mortgaged with house property type The corresponding type of service of identifier " 11 " is f3 and service class corresponding with type of vehicle mortgage type identifier " 12 " of debt Type is f8 etc..After the type identifier for reading the characterization debt type, call configuration subsystem, according to type identifier with The corresponding relationship of type of service is configured to the type of service of each business datum；In order to which the asset management system is to each industry The business datum of service type is counted, and is carried out classification to the debt situation for the business datum for belonging to each type of service and is shown, Convenient for grasping the gathering situation of each type service data in assets packet.

Step S50, the control centre carry out the grade of service to each business datum and draw according to debt side's information Point, wherein the refund credit score of the business datum is higher, the grade of service is higher；

Further, debt side's information of the present embodiment includes the essential information of debt side and the historical information two of debt side Part, wherein essential information is assets information and credit information of debt side etc., and historical information is that debt side has multiple owe In the case where money, after a debt is repaid, and continues to borrow money and be formed by historical information.For with multiple debt Debt side, there are historical informations and essential information；And the debt side of corresponding first debt, then historical information is not present, only deposits In essential information.Debt side's information can be read out directly as the composition data in business datum, can also first read business Debt side's identity information in data, then debt side's information is further read by debt side's identity information.Different debt sides With different historical information and essential information, the historical information and essential information can reflect the refund credit feelings of debt side Condition, and the refund credit situation is embodied with refund credit score, better in refund credit situation, refund credit score is higher.

When information includes essential information and historical information when debt side, then historical information is preferentially selected to reflect refund credit Integral；When debt side's information only includes essential information, then reflect refund credit score according to essential information；And then by refunding Credit score divides the grade of service, characterizes the grade of service possessed by every business datum, reflects the quality of debt side's credit. When refund overdue situation of debt side is less in historical information, then illustrating that its history refund credit is preferable, refund credit score is higher, And divide the higher grade of service；And accommodator's overdue situation of refunding is more in the historical information, then illustrates that its history is refunded letter With poor, refund credit score is lower, and divides the lower grade of service.Preset overdue refund rate and refund credit product Point and the corresponding relationship between refund credit score and the grade of service, generated and owed by historical information in debt side's information The overdue refund rate of money side, then determined and the overdue refund rate by the corresponding relationship between overdue refund rate and refund credit score Corresponding refund credit score, and then determined and refund credit product by the corresponding relationship between refund credit score and the grade of service Divide the corresponding grade of service, the business datum in information institute, the debt side source is divided into the grade of service.Likewise, setting in advance The corresponding relationship between essential information and refund credit score and refund credit score and the grade of service is determined, by owing for reading The essential information of essential information and setting in money side's information compares；Determine setting essential information in base in debt side's information The consistent essential information of this information, using refund credit score corresponding to the consistent essential information as with base in debt side's information The corresponding refund credit score of this information, and then determined and should be gone back by the corresponding relationship between refund credit score and the grade of service Business datum with debt side's information is divided into the grade of service by the corresponding grade of service of money credit score.In assets After the completion of the grade of service of all business datums divides in packet, that is, it can determine the refund credit situation of the assets packet, because of business The grade of service that data are divided is higher, and refund credit possessed by the business datum is better, so that when having industry in assets packet Higher grade of being engaged in business datum amount is more, and the refund credit of the assets packet is better.

Step S60, the control centre call according to the corresponding relationship between the grade of service and default refund sequence The configuration subsystem is that the business datum with each grade of service configures refund sequence.

Understandably, debt involved in business datum includes capital, interest and service charge, different is owed for this Money type is provided with different repayment sequences, and repayment is sequentially different according to the difference of the grade of service.As having higher business Debt side in the business datum of grade, first Replacement of principal repay interest again；And in the business datum with the lower grade of service Debt side, then first repay interest Replacement of principal etc. again.Preset the corresponding pass between the grade of service and default refund sequence System, after dividing the grade of service to each business datum, control centre is according between the grade of service and default refund sequence Corresponding relationship calls configuration subsystem to business datum configuration refund sequence every in assets packet, i.e., configuration to capital, interest, The repayment sequence of service charge.Business datum lower for the grade of service, while configuring repayment sequence, it is also necessary to the industry Debt side corresponding to business data strengthens management collection, to enhance air control.

Further, in another embodiment of assets package management method the present invention is based on big data, described in the calling It calculates subsystem to calculate to described to reimbursement business data, generating the step of calculating result includes:

Step S331, the control centre are called the accounting subsystem, described in the accounting subsystem reading To the target refund sequence of reimbursement business data, when the target refund sequence is a kind of refund sequence, then the nuclear operator System calculates the capital in reimbursement business data with the refund data, generates and calculates result；

Further, because different business datums has different refund sequences, when receiving data to be refunded, control centre Call calculate subsystem treat reimbursement business data carry out refund calculate when, need according to reimbursement business data refund sequence It carries out.Specifically, it calculates and is first read when subsystem is calculated to the sequence of refund possessed by reimbursement business data, by refund sequence As target refund sequence, and the sequence identifier according to entrained by target refund sequence judges the class of the target refund sequence Type.When judging target refund sequence is a kind of refund sequence, illustrate that the refund sequence to reimbursement business data is first to repay Capital, accounting subsystem is then treated the capital in reimbursement business data with refund data and is calculated, i.e., with to reimbursement business number The refund in refund data is subtracted according to the capital of middle amount owed；Subtracting each other obtained result is that debt side is being repaid The remaining capital owed afterwards, the capital which owes are to calculate result.After the completion of capital repayment, then benefit is further repaid Breath, subtracts the refund in refund data with the interest to amount owed in reimbursement business data, to repay to interest. After the completion of interest repayment, then service charge is further repaid, is subtracted also with the service charge to amount owed in reimbursement business data Refund of the amount of money in, to be repaid to service charge；After the completion of service charge repayment, then determine to reimbursement business data In debt carry out repayment completion.

Step S332, when the target refund sequence is two class refund sequence, the accounting subsystem is then gone back with described Amount of money generates according to calculating to the interest in reimbursement business data and calculates result；

Further, when judging target refund sequence is two class refund sequences, illustrate to reimbursement business data Refund sequence is first to repay interest, and accounting subsystem is then treated the interest in reimbursement business data with refund data and calculated, The refund in refund data is subtracted with the interest to amount owed in reimbursement business data；Subtracting each other obtained result is Debt side's remaining interest owed after being repaid, the interest which owes are to calculate result.After the completion of interest repayment, Then further Replacement of principal subtracts the refund in refund data with the capital to amount owed in reimbursement business data, with Capital is repaid.After the completion of capital repayment, then service charge is further repaid, with to amount owed in reimbursement business data Service charge subtract the refund in refund data, to be repaid to service charge；After the completion of service charge repayment, then determine Repayment completion is carried out to the debt in reimbursement business data.

Step S333, when the target refund sequence is three classes refund sequence, the accounting subsystem is then gone back with described Amount of money generates according to calculating to the service charge in reimbursement business data and calculates result.

And when judging target refund sequence is three classes refund sequence, illustrate that the refund sequence to reimbursement business data is First repay service charge, calculate subsystem and then treat the service charge in reimbursement business data with refund data and calculated, i.e., with to The service charge of amount owed subtracts the refund in refund data in reimbursement business data；Subtracting each other obtained result is debt Side's remaining service charge owed after being repaid, the service charge which owes are to calculate result.It repays and completes when service charge Afterwards, then interest is further repaid, subtracts the refund in refund data with the interest to amount owed in reimbursement business data, To be repaid to interest.After the completion of interest repayment, then further Replacement of principal, with to amount owed in reimbursement business data Capital subtract the refund in refund data, to be repaid to capital；After the completion of capital repayment, then determine wait refund Debt in business datum carries out repayment completion.

Further, in another embodiment of assets package management method the present invention is based on big data, described in the progress Include: after the step of transaction of transaction request

It is corresponding wait replace money to replace request when the control centre, which receives, replaces request by step S70 described in reading Produce the quantity of business datum in packet, and judge business datum in the assets packet to be replaced quantity whether in the assets packet The quantity of business datum is consistent；

Understandably, the debt side of every business datum has different refund credit situations in assets packet, when by owing The refund credit situation that the historical data of money side determines debt side is very poor, then can to business datum corresponding with the debt side into Row replaces operation, i.e., this business datum in assets packet is returned to the third-party institution in assets packet institute source.Needs are moved back The every business datum changed forms assets packet to be replaced, and initiates to replace request；When control centre, which receives this, replaces request, Possessed business datum quantity in the targeted assets packet to be replaced of request is replaced in reading, i.e., the required business datum number replaced Amount.Because all business datums in third-party institution's assets packet may need all to replace, it is also possible to partially replace, no Same replaces mode with otherness.To determine wait replace in assets packet after the quantity of business datum, further by the industry The quantitative comparison of business datum in the quantity for data of being engaged in and former assets packet, both judge it is whether consistent, to determine the need for pair Business datum in the assets packet of original purchase all replace.

If step S80 replaces the type of request consistent with the quantity of business datum in the assets packet according to, The assets packet to be replaced is carried out replacing operation；

When judging that the quantity of business datum is consistent with the quantity of business datum in assets packet in assets packet to be replaced, then says Business datum in the bright assets packet needed to original purchase all replace；And replace further relate to replace new assets packet and Reimbursement two types, and concrete type is determined by replacing the identifier of replacing in request.It reads to replace in request and replaces mark Know symbol, and identifier replaced by this determines and replace the type of request, and then treated by the type for replacing request and replace assets packet In business datum carry out replacing operation.When the type for replacing request is the assets packet renewed, then by the assets packet of original purchase In whole business datums retract the third-party institution, and receive the new assets packet of third-party institution's transmission, wherein the new assets packet In total amount owed for being characterized with business datum and the total amount owed phase characterized in former assets packet with business datum Together, it is replaced with carrying out equivalence.When the type for replacing request is reimbursement, then by whole business datums in the assets packet of original purchase The third-party institution is retracted, and receives the fund that the third-party institution retracts, wherein in the fund amount of money replaced and the former assets packet of purchase The fund amount of money paid is identical.

If step S90 replaces the class of request inconsistent with the quantity of business datum in the assets packet according to In type, the assets packet to be replaced in the quantity of business datum and the assets packet business datum quantity, to described wait move back Assets packet is changed to carry out replacing operation.

Further, when the quantity for judging business datum in the quantity of business datum and assets packet in assets packet to be replaced It is inconsistent, then illustrate to need the business datum in the assets packet to original purchase to carry out part and replaces.It replaces for renewing money part Production packet is different with the type of reimbursement, and replaces mode with different；Business for renewing assets packet, according to required replacement Data bulk carries out；And for reimbursement type, then according to business datum in the business datum quantity for needing to replace and former assets packet Relationship between quantity, to determine refund amount；It needs to combine the type for replacing request, and business in assets packet to be replaced The quantity of business datum in the quantity of data, assets packet is treated and replaces assets packet and carry out replacing operation.Specifically, step S90 packet It includes:

Step S91 then reads the control centre and the transaction is taken to ask when the type for replacing request is the first kind Corresponding transaction amount is sought, according to the quantity and the money of business datum in the transaction amount, the assets packet to be replaced The quantity for producing business datum in packet, determines refund amount, and move back to the assets packet to be replaced according to the refund amount Change operation；

Reimbursement is replaced into type as the first kind, when the identifier of replacing by replacing in request determines in the present embodiment When the type for replacing request is the first kind, control centre then reads the transaction when buying assets packet in initiated transaction request The amount of money, and according to the quantity of business datum in the quantity of business datum in assets packet to be replaced and assets packet, determine refund amount. The refund amount and the quantity of business datum in assets packet to be replaced are related in the accounting in assets packet between business datum quantity, Quantity as worked as business datum in assets packet to be replaced accounts for the half of business datum quantity in assets packet, has 50% in former assets packet Business datum needs replace, then refund amount is also the 50% of transaction amount.I.e. refund amount can be true by preset formula (1) Determine, wherein preset formula (1) are as follows:

Y=m* (n₁/n₂) (1)

Wherein y is refund amount, m is transaction amount, n1 is that the quantity of business datum, n2 are assets in assets packet to be replaced The quantity of business datum in packet.

By the number of business datum in the quantity of business datum in the transaction amount of reading, assets packet to be replaced and assets packet Amount is separately input in preset formula (1), is replaced m, n1, n2 therein, that is, be can determine refund amount.Determining refund amount Afterwards, then it can treat and replace assets packet and carry out replacing operation, every business datum in assets packet to be replaced is returned into third party Mechanism, and the refund amount that the third-party institution retracts is received, complete replacing for assets packet to be replaced.

Step S92, when the type for replacing request is Second Type, then the control centre is according to described wait replace Business datum in assets packet carries out replacing operation to the assets packet to be replaced.

Further, type is replaced as Second Type for renew assets packet, when replacing mark by replacing in request When knowing symbol and determining to replace the type of request for Second Type, then the quantity of business datum is moved back required for being in assets packet to be replaced The business datum quantity changed, and business datum therein is the required business datum replaced itself；I.e. by assets packet to be replaced In business datum, treat and replace assets packet and carry out replacing operation.The business datum in assets packet to be replaced is moved back by control centre The third-party institution is gone back to, and receives the new assets packet of third-party institution's transmission, wherein there is in the new assets packet business datum institute table Total amount owed of sign is identical with the total amount owed that in assets packet to be replaced there is business datum to be characterized, and is moved back with carrying out equivalence It changes.

In addition, referring to figure 2., the present invention provides a kind of assets packet managing device based on big data, described based on big number According to assets packet managing device be located in the control centre, that the present invention is based on the assets packet managing devices first of big data is real It applies in example, the assets packet managing device based on big data includes:

Calling module 10 calls the transaction when for receiving the transaction request to assets packet when the control centre Channel subsystem, and the trading channel of the trading channel subsystem is activated, to carry out the transaction of the transaction request；

Import modul 20, for calling asset management when the control centre receives data and imports instruction System verifies business datum every in the assets packet, and leads after verifying successfully to every business datum Enter；

Update module 30 when for receiving the refund data to each business datum when the control centre, is called The accounting subsystem calculates each business datum, generates and calculates as a result, and with the accounting result to the money Packet is produced to be updated.

The assets packet managing device based on big data of the present embodiment, asks the transaction of assets packet when control centre receives When asking, calling module 10 calls trading channel subsystem, and activates the trading channel of the trading channel subsystem, to trade The transaction of request；After completion of transactions, assets packet can then be imported into asset management subsystem by import modul 20, work as control centre When receiving data importing instruction, then asset management subsystem is called to verify business datum every in assets packet, in school Then every business datum is imported after testing successfully；Update module 30 receives the refund to each business datum in control centre When data, then accounting subsystem is called calculate generation accounting as a result, and with the accounting result to assets to each business datum Packet is updated.This programme carries out a point function management to assets packet, and different functions is realized by different processing logics, corresponds to not Same processing code can carry out code development according to function, and then to each funcall, realize the transaction of assets packet, import And accounting；It avoids that same set of code is arranged for different function, is called mutually between the code of different function；Reduce code it Between coupling, while the later period maintenance also according to each function code carry out, code corresponding with function is updated Maintenance reduces the difficulty of maintenance.

Further, in another embodiment of assets packet managing device the present invention is based on big data, the update module Include:

Reading unit, for calling the finance system when receiving the refund data to each business datum Matching verifying is carried out to the refund data, and reads the refund identifier carried in the refund data；

Determination unit, for being gone back according to described after the finance system is proved to be successful the refund Data Matching Money identifier determine in each business datum to reimbursement business data；

Generation unit, for calling the accounting subsystem to described to reimbursement business data according to the refund data It is calculated, generates and calculate result.

Further, described based on big number in another embodiment of assets packet managing device the present invention is based on big data According to assets packet managing device further include:

Read module, for reading type identifier and debt side's information in each business datum, and according to institute Type identifier is stated, calls the configuration subsystem to configure the type of service of each business datum, for the money Management subsystem is produced according to each type of service, classification is carried out to each business datum and is shown；

Division module, for carrying out grade of service division to each business datum according to debt side's information, wherein The refund credit score of the business datum is higher, and the grade of service is higher；

The calling module is also used to: according to the corresponding relationship between the grade of service and default refund sequence, being called The configuration subsystem is that the business datum with each grade of service configures refund sequence.

Further, in another embodiment of assets packet managing device the present invention is based on big data, the production unit It is also used to:

The accounting subsystem is called, the subsystem of calculating reads the target to reimbursement business data also Money sequence, when the target refund sequence is a kind of refund sequence, then the accounting subsystem is with the refund data to institute It states and is calculated to the capital in reimbursement business data, generate and calculate result；

Updating unit, for calling the accounting result that will be updated to described in the assets packet to reimbursement business data Business datum is updated, the update business data transmission to the finance system stores the update business datum To the finance system；

Transmission unit is used for by the update business data transmission to the asset management subsystem, for the assets Management subsystem is updated display to the update business datum.

Judgment module, for when receive replace request when, replace described in reading in the corresponding assets packet to be replaced of request The quantity of business datum, and judge business datum in the assets packet to be replaced quantity whether with business number in the assets packet According to quantity it is consistent；

Module is replaced, the module of replacing is used for:

Further, described to replace module in another embodiment of assets packet managing device the present invention is based on big data It is also used to:

When the type for replacing request is the first kind, then the corresponding transaction amount of the transaction request, root are read According to the number of business datum in the quantity of business datum in the transaction amount, the assets packet to be replaced and the assets packet Amount, determines refund amount, and carry out replacing operation to the assets packet to be replaced according to the refund amount；

When the type for replacing request is Second Type, then according to the business datum in the assets packet to be replaced, The assets packet to be replaced is carried out replacing operation.

Wherein, each virtual functions module of the above-mentioned assets packet managing device based on big data, which is stored in shown in Fig. 3, is based on In the memory 1005 of the assets packet management equipment of big data, processor 1001 executes the assets packet management program based on big data When, realize the function of modules in embodiment illustrated in fig. 2.

Referring to Fig. 3, Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.

The embodiment of the present invention can be PC (personal computer, individual based on the assets packet management equipment of big data Computer), it is also possible to the terminal devices such as smart phone, tablet computer, E-book reader, portable computer.

As shown in figure 3, being somebody's turn to do the assets packet management equipment based on big data may include: processor 1001, such as CPU (Central Processing Unit, central processing unit), memory 1005, communication bus 1002.Wherein, communication bus 1002 for realizing the connection communication between processor 1001 and memory 1005.Memory 1005 can be high-speed RAM (random access memory, random access memory), is also possible to stable memory (non-volatile ), such as magnetic disk storage memory.Memory 1005 optionally can also be the storage dress independently of aforementioned processor 1001 It sets.

Optionally, being somebody's turn to do the assets packet management equipment based on big data can also include user interface, network interface, camera shooting Head, RF (Radio Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi (Wireless Fidelity, no line width Band) module etc..User interface may include display screen (Display), input unit such as keyboard (Keyboard), can be selected Family interface can also include standard wireline interface and wireless interface.Network interface optionally may include standard wireline interface, Wireless interface (such as WI-FI interface).

It will be understood by those skilled in the art that the assets shown in Fig. 3 based on big data assure reason device structure not The restriction to the assets packet management equipment based on big data is constituted, may include than illustrating more or fewer components or group Close certain components or different component layouts.

As shown in figure 3, as may include operating system, network communication module in a kind of memory 1005 of storage medium And the assets packet management program based on big data.Operating system is to manage and control the assets packet management equipment based on big data The program of hardware and software resource supports the fortune of assets packet management program and other softwares and/or program based on big data Row.Network communication module for realizing the communication between each component in the inside of memory 1005, and with the assets based on big data It is communicated between other hardware and softwares in packet management equipment.

In assets packet management equipment based on big data shown in Fig. 3, processor 1001 is for executing memory 1005 The assets packet management program based on big data of middle storage realizes above-mentioned each embodiment of assets package management method based on big data In step.

The present invention provides a kind of storage medium, the storage medium is stored with one or more than one program, described One or more than one program can also be executed by one or more than one processor with for realizing above-mentioned based on big number According to each embodiment of assets package management method in step.

It should also be noted that, herein, the terms "include", "comprise" or its any other variant are intended to non- It is exclusive to include, so that the process, method, article or the device that include a series of elements not only include those elements, It but also including other elements that are not explicitly listed, or further include solid by this process, method, article or device Some elements.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including There is also other identical elements in the process, method of the element, article or device.

The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.

Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in one as described above In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone, Computer, server or network equipment etc.) execute method described in each embodiment of the present invention.

The above description is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all at this Under the design of invention, using equivalent structure transformation made by description of the invention and accompanying drawing content, or directly/it is used in it indirectly He is included in scope of patent protection of the invention relevant technical field.

Claims

1. a kind of assets package management method based on big data, which is characterized in that be applied to assets packet management system, the assets Packet management system includes control centre, trading channel subsystem, calculates subsystem and asset management subsystem, described based on big number According to assets package management method the following steps are included:

When the control centre receives the transaction request to assets packet, the trading channel subsystem is called, and activate institute The trading channel of trading channel subsystem is stated, to carry out the transaction of the transaction request；

When the control centre, which receives data, imports instruction, call the asset management subsystem to each in the assets packet Item business datum is verified, and is imported after verifying successfully to every business datum；

When the control centre receives the refund data to each business datum, call the accounting subsystem to each institute It states business datum to be calculated, generates and calculate as a result, and being updated with the accounting result to the assets packet.

2. the assets package management method based on big data as described in claim 1, which is characterized in that the assets assure reason system System further includes finance system, when the refund data received when the control centre to each business datum, is called The accounting subsystem calculates each business datum, generates the step of calculating result and includes:

When the control centre receives the refund data to each business datum, call the finance system to described Refund data carry out matching verifying, and read the refund identifier carried in the refund data；

After the finance system is proved to be successful the refund Data Matching, the control centre identifies according to the refund Symbol determine in each business datum to reimbursement business data；

The control centre calls the accounting subsystem to carry out core to reimbursement business data to described according to the refund data It calculates, generates and calculate result.

3. the assets package management method based on big data as claimed in claim 2, which is characterized in that the assets assure reason system System further includes configuration subsystem, includes: after described the step of importing after verifying successfully to every business datum

The control centre reads type identifier and debt side's information in each business datum, and according to the type Identifier calls the configuration subsystem to configure the type of service of each business datum, for the asset management Subsystem carries out classification to each business datum and shows according to each type of service；

The control centre carries out grade of service division according to debt side's information, to each business datum, wherein described The refund credit score of business datum is higher, and the grade of service is higher；

The configuration subsystem calls according to the corresponding relationship between the grade of service and default refund sequence in the control centre System configures refund sequence for the business datum with each grade of service.

4. the assets package management method based on big data as claimed in claim 3, which is characterized in that described to call the accounting Subsystem is calculated to described to reimbursement business data, is generated the step of calculating result and is included:

The control centre is called the accounting subsystem, and the accounting subsystem reads described to reimbursement business data Target refund sequence, when the target refund sequence is a kind of refund sequence, then the accounting subsystem refund Data calculate the capital in reimbursement business data, generate and calculate result；

When target refund sequence is two class refund sequence, the accounting subsystem then use the refund data to it is described to Interest in reimbursement business data is calculated, and is generated and is calculated result；

When target refund sequence is three classes refund sequence, the accounting subsystem then use the refund data to it is described to Service charge in reimbursement business data is calculated, and is generated and is calculated result.

5. the assets package management method based on big data as claimed in claim 2, which is characterized in that described to be tied with the accounting The step of fruit is updated the assets packet include:

The control centre calls the accounting result that will be updated to update to reimbursement business data described in the assets packet Business datum, by the update business data transmission to the finance system, by update business datum storage to institute State finance system；

The control centre is by the update business data transmission to the asset management subsystem, for asset management System is updated display to the update business datum.

6. the assets package management method as described in any one in claim 1-5 based on big data, which is characterized in that the progress Include: after the step of transaction of the transaction request

When the control centre, which receives, replaces request, business number in the corresponding assets packet to be replaced of request is replaced described in reading According to quantity, and judge business datum in the assets packet to be replaced quantity whether the number with business datum in the assets packet Amount is consistent；

If consistent with the quantity of business datum in the assets packet, the type of request is replaced according to, to described wait replace Assets packet carries out replacing operation；

If inconsistent with the quantity of business datum in the assets packet, the type, described wait replace of request is replaced according to In assets packet in the quantity of business datum and the assets packet business datum quantity, the assets packet to be replaced is moved back Change operation.

7. the assets package management method based on big data as claimed in claim 6, which is characterized in that described to be replaced according to In the type of request, the assets packet to be replaced in the quantity of business datum and the assets packet business datum quantity, it is right The assets packet to be replaced carries out the step of replacing operation and includes:

When the type for replacing request is the first kind, then the control centre reads the corresponding transaction of the transaction request The amount of money, according to business number in the quantity of business datum in the transaction amount, the assets packet to be replaced and the assets packet According to quantity, determine refund amount, and carry out replacing operation to the assets packet to be replaced according to the refund amount；

When the type for replacing request is Second Type, then the control centre is according to the industry in the assets packet to be replaced Business data, carry out replacing operation to the assets packet to be replaced.

8. a kind of assets packet managing device based on big data, which is characterized in that the assets based on big data assure reason dress It sets and includes:

Calling module when for receiving the transaction request to assets packet when the control centre, calls trading channel System, and the trading channel of the trading channel subsystem is activated, to carry out the transaction of the transaction request；

Import modul, for calling the asset management subsystem pair when the control centre receives data and imports instruction Every business datum is verified in the assets packet, and is imported after verifying successfully to every business datum；

Update module calls the core when for receiving the refund data to each business datum when the control centre Operator Systems calculate each business datum, generate calculate as a result, and with the accounting result to the assets packet into Row updates.

9. a kind of assets packet management equipment based on big data, which is characterized in that the assets based on big data are assured reason and set Standby includes: that memory, processor, communication bus and the assets based on big data being stored on the memory assure reason journey Sequence；

The processor is for executing the assets packet management program based on big data, to realize as appointed in claim 1-7 The step of assets package management method described in one based on big data.

10. a kind of storage medium, which is characterized in that be stored with the assets based on big data on the storage medium and assure reason journey Sequence is realized as described in any one of claim 1-7 when the assets packet management program based on big data is executed by processor The assets package management method based on big data the step of.