CN111626871A

CN111626871A - Data processing method, device, equipment and storage medium

Info

Publication number: CN111626871A
Application number: CN202010450301.XA
Authority: CN
Inventors: 焦晓玉
Original assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Priority date: 2020-05-25
Filing date: 2020-05-25
Publication date: 2020-09-04
Anticipated expiration: 2040-05-25
Also published as: CN111626871B

Abstract

The embodiment of the invention provides a data processing method, a device, equipment and a storage medium, wherein the method comprises the following steps: receiving at least one service request sent by a target terminal; if the current trusted account type is inconsistent with the target trusted account type, acquiring a hosting system and a processing mode which are matched with the current trusted account type; if the processing mode is decentralized processing, generating a first money drawing instruction; if the processing mode is merging processing, classifying the data to be processed in all the service requests meeting the merging processing to obtain at least one type of merged data, and generating a second money transfer instruction; and sending the first money transfer instruction and the second money transfer instruction to corresponding target hosting systems, and instructing the target hosting systems to execute money transfer operation. The method provided by the embodiment can provide various processing modes for processing the service request, so that data can be flexibly processed.

Description

Data processing method, device, equipment and storage medium

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a data processing method, apparatus, device, and storage medium.

Background

The annuity refers to supplementary endowment insurance voluntarily established by enterprises and employees on the basis of taking part in basic endowment insurance according to law. Annuity is a good arrangement of investments, with more and more employees selecting annuity plans to participate in the enterprise. Therefore, it is important to manage annuity business.

In the prior art, enterprise annuity business management relates to a four-party management system: the system comprises a trusted system, a hosting system, an account management system and a delivery management system. Wherein, the enterprise is a principal, namely a user; the entrusted system is a system for accepting enterprise entrustment and managing enterprise annuity fund; the trusteeship system is a bank system which receives the entrusted person and keeps the annual fund property of the enterprise; the account management system is a system for receiving entrusted and accounting bookkeeping; the throwing management system is a system for receiving the entrusted person and managing the resources of the enterprise annuity. When an enterprise or employees in the enterprise make business changes, an instruction is generated for each business entrusted system, the instruction is continuously sent to the hosting system and the account management system, and the instruction can also be sent to the delivery management system, so that the hosting system, the account management system and the delivery management system execute corresponding operations to realize the processing of business requests, but the business processing mode is single and data cannot be flexibly processed.

Therefore, the trusted system in the prior art cannot provide multiple service processing modes, resulting in poor flexibility of data processing.

Disclosure of Invention

Embodiments of the present invention provide a data processing method, apparatus, device, and storage medium, so as to overcome a problem that a trusted system in the prior art cannot provide multiple service processing modes, which results in poor flexibility of data processing.

In a first aspect, an embodiment of the present invention provides a data processing method, including:

receiving at least one service request sent by a target terminal, wherein each service request carries at least one piece of data to be processed, a service type and service request sending time, and each piece of data to be processed comprises a current trusted account type and a target trusted account type;

responding to each service request, comparing the current trusted account type and the target trusted account type in each piece of data to be processed, and if the current trusted account type is inconsistent with the target trusted account type, acquiring a hosting system matched with the current trusted account type and a processing mode matched with the hosting system and used for processing the service request, wherein the processing mode comprises decentralized processing and combined processing;

if the processing mode is decentralized processing, generating a first money drawing instruction according to the type of the target trusted account, the type of the service and the service request time;

if the processing mode is merging processing, classifying each data to be processed in all the service requests meeting the merging processing according to the hosting system, the current trusted account number type, the target trusted account number type, the service type and the service request time to obtain at least one type of merged data;

generating a second money transfer instruction according to the various types of the combined data;

and sending the first money transfer instruction and the second money transfer instruction to corresponding target hosting systems, and instructing the target hosting systems to execute money transfer operation.

Optionally, the acquiring a hosting system matched with the type of the current trusted account and a processing mode matched with the hosting system for processing the service request include:

acquiring a mapping table from a preset database, wherein the mapping table stores mapping relations among the type of a trusted account, a hosting system and a processing mode;

determining a target mapping relation matched with the type of the current trusted account number from the mapping table;

and determining a hosting system matched with the type of the current trusted account and a processing mode matched with the hosting system for processing the data to be processed according to the target mapping relation.

Optionally, the classifying, according to the hosting system, the current trusted account type, the target trusted account type, the service type, and the service request time, each piece of to-be-processed data in all the service requests that satisfy the merging processing to obtain at least one type of merged data includes:

determining influence factors of the merging processing according to a hosting system corresponding to the data to be processed in each service request, wherein the influence factors are at least one of the current trusted account number type, the target trusted account number type, the service type and the service request time;

and classifying all the data to be processed in all the service requests meeting the merging processing according to the influence factors to obtain at least one type of merged data.

Optionally, the determining, according to the hosting system corresponding to the to-be-processed data in each service request, an influence factor of the merging process includes:

obtaining the affiliated category of the hosting system, wherein the affiliated category comprises a first category and a second category;

if the type of the hosting system belongs to the first type, the influence factors of the merging processing are the current trusted account type, the target trusted account type and the service request time;

if the type of the hosting system is the second type, the influence factors of the merging processing are the current trusted account number type, the target trusted account number type, the service type and the service request time.

Optionally, the classifying, according to the influence factor, each piece of to-be-processed data in all the service requests that satisfy the merging processing to obtain at least one type of merged data includes:

if the influence factors are the current trusted account type, the target trusted account type and the service request time, taking the service requests which have the same current trusted account type, the same target trusted account type and the same service request time in the same preset time period in all the service requests meeting the merging processing as one type of merged data;

if the influence factors are the current trusted account type, the target trusted account type, the service type and the service request time, using the service requests which have the same current trusted account type, the same service type, the same target trusted account type and the same service request time in the same preset time period in all the service requests meeting the merging processing as one type of merging data;

wherein the merged data is of at least one type.

Optionally, the data to be processed further includes: money to be processed;

before sending the first money transfer instruction to the corresponding target hosting system, the method further comprises:

acquiring first surplus data in the current trusted account corresponding to the current trusted account type;

generating a first redemption instruction for instructing the target escrow system to redeem difference funds between the first remaining data and the transfer data in the pending money into the current committed account number from a cast system if the first remaining data is less than the transfer data in the pending money;

before sending the second transfer instruction to the corresponding target hosting system, the method further comprises:

accumulating all the money to be processed in the various types of the combined data to obtain target money transfer data;

acquiring second surplus data in the current trusted account corresponding to the current trusted account type;

generating a second redemption instruction for instructing the target escrow system to redeem the difference funds of the second remaining data and the target transfer data back into the current escrow account from the cast system if the second remaining data is less than the target transfer data.

Optionally, the first money transfer instruction and the second money transfer instruction both contain the money to be processed;

after determining that the current trusted account type and the target trusted account type are inconsistent, the method further comprises:

sending each request object in each service request meeting the inconsistency between the current trusted account type and the target trusted account type and the transfer data corresponding to each request object to an account management system;

receiving accounting information fed back by the accounting management system;

after the instructing the target hosting system to perform a money transfer operation, the method further comprises:

receiving transfer success information fed back by the target hosting system, wherein the transfer success information comprises transaction reconciliation information;

after the receiving the accounting information fed back by the accounting management system and the receiving the transfer success information fed back by the target hosting system, the method further comprises:

and comparing the money to be processed, the accounting information and the transaction reconciliation information, and if the money to be processed, the accounting information and the transaction reconciliation information are consistent, sending indication information for indicating that the execution of the service request is successful to the target terminal.

In a second aspect, an embodiment of the present invention provides a data processing apparatus, including:

the system comprises a service request receiving module, a service request receiving module and a service processing module, wherein the service request receiving module is used for receiving at least one service request sent by a target terminal, each service request carries at least one piece of data to be processed, a service type and service request sending time, and each piece of data to be processed comprises a current trusted account number type and a target trusted account number type;

a service request response module, configured to respond to each service request, compare a current trusted account type and the target trusted account type in each piece of data to be processed, and if the current trusted account type is inconsistent with the target trusted account type, obtain a hosting system matched with the current trusted account type and a processing mode matched with the hosting system and used for processing the service request, where the processing mode includes a dispersion processing and a combination processing;

the first money drawing instruction generating module is used for generating a first money drawing instruction according to the type of the target trusted account, the type of the service and the service request time when the processing mode is decentralized processing;

the data merging module is used for classifying each data to be processed in all the service requests meeting merging processing according to the hosting system, the current trusted account number type, the target trusted account number type, the service type and the service request time to obtain at least one type of merged data when the processing mode is merging processing;

the second money transfer instruction generating module is used for generating a second money transfer instruction according to the various types of the combined data;

and the indicating module is used for sending the first money transfer instruction and the second money transfer instruction to corresponding target hosting systems and indicating the target hosting systems to execute money transfer operation.

In a third aspect, an embodiment of the present invention provides a data processing apparatus, including: at least one processor and memory;

the memory stores computer-executable instructions;

the at least one processor executes computer-executable instructions stored by the memory to cause the at least one processor to perform the data processing method as described above in the first aspect and various possible designs of the first aspect.

In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, where computer-executable instructions are stored, and when a processor executes the computer-executable instructions, the data processing method according to the first aspect and various possible designs of the first aspect is implemented.

The data processing method, apparatus, device and storage medium provided in this embodiment receive at least one service request sent by a target terminal, where each service request carries at least one piece of data to be processed, a service type and service request sending time, where the data to be processed includes a current trusted account type and a target trusted account type; then responding to each service request, comparing the current trusted account type and the target trusted account type in each piece of data to be processed, determining whether the current trusted account type is inconsistent with the target trusted account type, and when the current trusted account type is inconsistent with the target trusted account type, acquiring a hosting system matched with the current trusted account type and a processing mode matched with the hosting system and used for processing the data to be processed, wherein the processing mode can comprise decentralized processing and combined processing, and which processing mode is determined according to a specific scene of the service request, so that the flexibility of service processing is embodied. Specifically, if the processing mode is decentralized processing, generating a first money transfer instruction according to the type of the target trusted account, the type of the service and the service request time, where one service request corresponds to one money transfer instruction, and then sending the first money transfer instruction to a corresponding target hosting system to instruct the target hosting system to execute money transfer operation; if the processing mode is merging processing, classifying all the service requests meeting the merging processing according to the hosting system corresponding to the service request, the current trusted account number type, the target trusted account number type, the service type and the service request time to obtain at least one type of merged data, further generating a second money transfer instruction, and then sending the second money transfer instruction to the corresponding target hosting system to instruct the target hosting system to execute money transfer operation. Therefore, the scheme provides a plurality of processing modes for processing the service request by analyzing the actual application scene corresponding to the service request in the data processing process, so that the data can be flexibly processed.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is an interaction diagram of data processing provided by an embodiment of the present invention;

FIG. 2 is a schematic flow chart of a data processing method according to an embodiment of the present invention;

FIG. 3 is a flowchart illustrating a data processing method according to another embodiment of the present invention;

FIG. 4 is a flowchart illustrating a data processing method according to yet another embodiment of the present invention;

FIG. 5 is a flowchart illustrating a data processing method according to another embodiment of the present invention;

FIG. 6 is a flowchart illustrating a data processing method according to yet another embodiment of the present invention;

FIG. 7 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a data processing device according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

In order to solve the technical problem that a trusted system in the prior art cannot provide multiple service processing modes, which results in poor flexibility of data processing, an embodiment of the present invention provides a data processing method to solve the above problem.

Referring to fig. 1, fig. 1 is an interaction schematic diagram of data processing provided in an embodiment of the present invention, where an execution main body in fig. 1 may be a trusted system, and specific steps of implementing data processing in this embodiment are as follows:

an enterprise or an individual (staff) in the enterprise initiates a service request to a trusted system 10 through a terminal device 20 (the terminal device may be an internal terminal provided by a trusted organization or a user terminal configured to communicate with the trusted system, i.e., a target terminal), where the service request may be a member annuity transfer service request, an enterprise annuity plan transfer service request, or an enterprise annuity payment service request, and one service request carries data to be processed, a service type, and service request sending time; the data to be processed includes a current trusted account type and a target trusted account type, where the current trusted account type is a trusted account type matched with the trusted system 10, and the service data may be a transfer money or a payment money.

Then, the trusted system 10 receives at least one service request sent by the terminal device 20, where each service request includes at least one piece of data to be processed, a service type, and service request sending time, and the data to be processed includes a current trusted account type and a target trusted account type; the trusted system 10 compares the current trusted account type corresponding to each piece of data to be processed in the service request with the target trusted account type according to the service request. Because one trusted system can manage a plurality of trusted account numbers, one trusted account number corresponds to one annuity plan, if the type of the current trusted account number is consistent with that of the target trusted account number, it is indicated that the annuity plan corresponding to the piece of data to be processed and the trusted account number are not changed, and because one trusted system 10 has at least one trusted account number in the corresponding hosting system 30, if the annuity plan and the trusted account number are not changed, the hosting system 30 does not need to perform operations such as money transfer and the like, and only the trusted system 10 and the account management system 50 need to respectively record; if the balance is not consistent, the annuity plan is changed, and the trusted account number is changed, so that the escrow system 30 needs to perform operations such as money transfer and the like.

Specifically, before instructing the hosting system 30 to perform operations such as transfer of money and transfer, in order to solve the problem of data processing singleness and express flexibility of data processing in the prior art, the trusted system 10 may obtain the hosting system 30 matched with the current trusted account number type and further obtain a processing mode matched with the hosting system 30 and used for processing the data to be processed, where the processing mode may include decentralized processing, merging processing and special type processing, where the decentralized processing is used to indicate that one service request corresponds to at least one money transfer instruction, the merging processing is used to indicate that a plurality of service requests are merged and one merged data corresponds to one money transfer instruction, and the special type processing is used to indicate processing of a payment service. According to different processing modes, the trusted system 10 can generate corresponding target instructions, including a first money transfer instruction, a second money transfer instruction, a payment instruction and the like, then the trusted system 10 sends the target instructions to the hosting system 30, and the hosting system 30 executes corresponding operations according to the received target instructions; meanwhile, if the balance of the trusted account corresponding to the trusted system 10 in the escrow system 30 is insufficient, the trusted system 10 may further generate a redemption instruction and send the redemption instruction to the escrow system 30, so that the escrow system 30 transfers funds from the deposit management system 40 to the trusted account corresponding to the trusted system 10, and further, the escrow system 30 may transfer the amount of money transfer corresponding to the transfer instruction to the target trusted account corresponding to the target trusted account type, complete the transfer operation, and feed back the transfer result to the trusted system 10.

In addition, the trusted system 10 needs to send the list of annuity plan changes and the change information in the service request to the account management system 50 to perform the accounting operation, and feed the accounting result back to the account management system 50. The trusted system 10 determines whether the service request is successfully processed based on information fed back from the hosting system 30 and the billing system 50. According to the scheme, various processing modes for processing the service request are provided by analyzing the actual application scene corresponding to the service request in the data processing process, so that data can be flexibly processed.

Specifically, referring to fig. 2, fig. 2 is a schematic flow chart of a data processing method according to an embodiment of the present invention, where an execution main body of the embodiment may be a terminal or a server, and the execution main body is not limited herein.

Referring to fig. 1, the data processing method includes:

s101, receiving a plurality of service requests sent by a target terminal, wherein each service request carries data to be processed, and the data to be processed comprises a service type, a current trusted account type corresponding to the data to be processed, a target trusted account type and service request sending time.

In practical application, taking an execution subject as a trusted system as an example, a target terminal is the above terminal device, a trusted person may send a service request to the trusted system through the target terminal, where one service request may include one or more delegated objects, and generally, after the target terminal receives a service request event input by the delegated object, the target terminal may integrate data to be processed of the same service type in a current time period into one service request, or integrate data to be processed corresponding to the delegated object into one service request when a certain enterprise applies for a service request as one delegated object. Therefore, how to form the service request is not limited herein, and is not described in detail. The entrusted system can receive each service request sent by the target terminal, so that in a scene with more service requests and complex service requests, the number of the service requests is multiple, and the entrusted system can realize the processing of the multiple service requests by receiving the multiple service requests.

And S102, responding to each service request, comparing the current trusted account type and the target trusted account type in each piece of data to be processed, and if the current trusted account type is inconsistent with the target trusted account type, acquiring a hosting system matched with the current trusted account type and a processing mode matched with the hosting system and used for processing the service request, wherein the processing mode comprises decentralized processing and combined processing.

In this embodiment, in order to implement fast processing of a service request, the service request needs to be pre-screened, and whether the current trusted account type and the target trusted account type of each piece of data to be processed in each service request are consistent or not is compared.

If the annual fund plans corresponding to the data to be processed are consistent, the annual fund plans corresponding to the data to be processed are not changed, operations such as money transfer and the like are not needed to be carried out by the trusteeship system 30, and only the trusteeship system 10 and the account management system 50 need to respectively record. Specifically, the trusted system 10 changes and records the enterprise corresponding to the principal in the piece of data to be processed, and sends the piece of data to be processed to the account management system 50, and instructs the account management system 50 to change and record the enterprise corresponding to the principal in the piece of data to be processed, and meanwhile, removes the piece of data to be processed from the corresponding service request.

For example, a principal a, hired at enterprise a, participates in enterprise a's annuity plan "company annuity plan", whose enterprise a's consignee is consignee a, whose annuity fund consignee account is consignee a; the client A leaves the enterprise A, enters the enterprise B, expects to join the annuity plan of the enterprise B, the client of the enterprise B is still the client A, the annuity fund consigned account is still the consigned account A, and one annuity plan corresponds to one consigned account, so that although the company of the client A changes, the annuity plan and the consigned account of the client A are not changed, only the enterprise A corresponding to the client A is changed into the enterprise B, and the escrow system is not required to be instructed to transfer money, because all money is still in the same consigned account.

If the data are inconsistent, the annuity plan and the trusteed account are changed, and the escrow system 30 needs to perform operations such as money transfer and the like, at this time, the trusteed system can acquire the escrow system matched with the data according to the type of the current trusteed account in the data to be processed and the processing mode matched with the escrow system and used for processing the service request, wherein the type of the current trusteed account in the data to be processed meets the inconsistent condition.

And S103, if the processing mode is decentralized processing, generating a first money drawing instruction according to the type of the target trusted account, the type of the service and the service request time.

In practical application, a service request may include a plurality of pieces of data to be processed of the same service type, and first, the data to be processed of the current trusted account type and the target trusted account type in the service request are removed to obtain a new service request, and if the processing mode corresponding to the service request is decentralized processing, the data to be processed of the same target trusted account type in the new service request is merged into a piece of new data to be processed. One piece of data to be processed corresponds to one money transfer instruction, so that one service request can comprise at least one money transfer instruction, namely a first money transfer instruction.

S104, if the processing mode is merging processing, classifying each data to be processed in all the service requests meeting the merging processing according to the hosting system, the current trusted account number type, the target trusted account number type, the service type and the service request time to obtain at least one type of merged data;

and S105, generating a second money transfer instruction according to the various types of combined data.

In this embodiment, first, to-be-processed data in which the current trusted account type and the target trusted account type in the service request are consistent is removed to obtain a new service request, and if the processing mode corresponding to the service request is merge processing, all service applications corresponding to the same hosting system, the current trusted account type, the target trusted account type, the service type, and the service request time in the same time period need to be merged to generate a second money transfer instruction.

And S106, sending the first money transfer instruction and the second money transfer instruction to corresponding target hosting systems, and instructing the target hosting systems to execute money transfer operation.

In this embodiment, the first money transfer instruction and the second money transfer instruction may be at least one, and if the first money transfer instruction is generated, the trusted system sends the first money transfer instruction to a target hosting system carried by the first money transfer instruction, and instructs the target hosting system to execute a money transfer operation; and if the second money transfer instruction is generated, the entrusted system sends the second money transfer instruction to a target hosting system carried by the second money transfer instruction, and instructs the target hosting system to execute money transfer operation. The target hosting system is a hosting system corresponding to the data to be processed when the first money transfer instruction or the second money transfer instruction is generated.

In this embodiment, at least one service request sent by a target terminal is received first, where each service request carries at least one piece of data to be processed, a service type, and service request sending time, where the data to be processed includes a current trusted account type and a target trusted account type; then responding to each service request, comparing the current trusted account type and the target trusted account type in each piece of data to be processed, determining whether the current trusted account type is inconsistent with the target trusted account type, and when the current trusted account type is inconsistent with the target trusted account type, acquiring a hosting system matched with the current trusted account type and a processing mode matched with the hosting system and used for processing the data to be processed, wherein the processing mode can comprise decentralized processing and combined processing, and which processing mode is determined according to a specific scene of the service request, so that the flexibility of service processing is embodied. Specifically, if the processing mode is decentralized processing, generating a first money transfer instruction according to the type of the target trusted account, the type of the service and the service request time, where one service request corresponds to one money transfer instruction, and then sending the first money transfer instruction to a corresponding target hosting system to instruct the target hosting system to execute money transfer operation; if the processing mode is merging processing, classifying all the service requests meeting the merging processing according to the hosting system corresponding to the service request, the current trusted account number type, the target trusted account number type, the service type and the service request time to obtain at least one type of merged data, further generating a second money transfer instruction, and then sending the second money transfer instruction to the corresponding target hosting system to instruct the target hosting system to execute money transfer operation. Therefore, the scheme provides a plurality of processing modes for processing the service request by analyzing the actual application scene corresponding to the service request in the data processing process, so that the data can be flexibly processed.

How to determine the processing mode of the service request, see fig. 3, where fig. 3 is a schematic flow chart of a data processing method according to another embodiment of the present invention, and this embodiment describes S102 in detail on the basis of the above-mentioned embodiment, for example, on the basis of the embodiment described in fig. 2. The acquiring a hosting system matched with the type of the current trusted account and a processing mode matched with the hosting system for processing the service request comprise:

s201, acquiring a mapping table from a preset database, wherein the mapping table stores mapping relations among the type of a trusted account, a hosting system and a processing mode;

s202, determining a target mapping relation matched with the type of the current trusted account from the mapping table;

and S203, determining a hosting system matched with the type of the current trusted account and a processing mode matched with the hosting system for processing the to-be-processed data according to the target mapping relation.

In this embodiment, the trusted system corresponds to a preset database, and the preset database stores a mapping relationship indicating the type of the trusted account, the hosting system, and the processing mode. For each piece of to-be-processed processing, the trusted system can find a target mapping relation matched with the current trusted account type through a mapping table according to the current trusted account type, and then can obtain a hosting system matched with the current trusted account type and a processing mode matched with the hosting system and used for processing the to-be-processed data based on the target mapping relation.

Specifically, how to implement merging of data and further implement merging of instructions is shown in fig. 4, where fig. 4 is a schematic flow chart of a data processing method according to still another embodiment of the present invention, and this embodiment describes in detail S104 on the basis of the above-mentioned embodiment, for example, on the basis of the embodiment described in fig. 3. The classifying processing is performed on each to-be-processed data in all the service requests meeting the merging processing according to the hosting system, the current trusted account type, the target trusted account type, the service type and the service request time to obtain at least one type of merged data, and the classifying processing comprises the following steps:

s301, determining influence factors of the merging process according to a hosting system corresponding to the data to be processed in each service request, wherein the influence factors are at least one of the current trusted account number type, the target trusted account number type, the service type and the service request time;

s302, according to the influence factors, classifying the data to be processed in all the service requests meeting the merging processing to obtain at least one type of merged data.

In this embodiment, for each service request that satisfies the merge process, factors that affect the merge process are determined according to a hosting system corresponding to data to be processed in each service request as a merge evaluation index, where the affecting factors may include at least one of a current trusted account type, a target trusted account type, a service type, and a service request time. And then merging the data to be processed which belong to the same influence factor based on the influence factor to obtain a type of merged data.

Specifically, how to determine the influence factor of the merging process, see fig. 5, where fig. 5 is a schematic flow chart of a data processing method according to another embodiment of the present invention, and this embodiment describes S301 in detail on the basis of the above-described embodiment, for example, on the basis of the embodiment described in fig. 4. Determining influence factors of the merging process according to the hosting system corresponding to the data to be processed in each service request, including:

s401, obtaining the belonging category of the hosting system, wherein the belonging category comprises a first category and a second category;

s402, if the type of the hosting system belongs to is the first type, the influence factors of the merging processing are the type of the current trusted account, the type of the target trusted account and the service request time;

and S403, if the type of the hosting system is the second type, the influence factors of the merging processing are the current trusted account type, the target trusted account type, the service type and the service request time.

In this embodiment, each hosting system corresponds to one category, where the categories to which the hosting systems belong may include at least two categories, namely a first category and a second category. The first type distinguishes between service types and service request times, and the second type does not distinguish between service types and service request times. Therefore, if the type of the hosting system is the first type, the influence factors of the merging processing include the current trusted account type, the target trusted account type and the service request time; if the type of the hosting system is the second type, the influence factors of the merging processing comprise the current trusted account type, the target trusted account type, the service type and the service request time.

How to implement the classification and combination processing according to the influence factors is shown in fig. 6, where fig. 6 is a schematic flow chart of a data processing method according to still another embodiment of the present invention, and this embodiment describes S302 in detail on the basis of the above-mentioned embodiment, for example, on the basis of the embodiment described in fig. 5. The classifying, according to the influencing factors, each piece of the to-be-processed data in all the service requests meeting the merging processing to obtain at least one type of merged data, including:

s501, if the influence factors are the current trusted account type, the target trusted account type and the service request time, taking the service requests which have the same current trusted account type, the same target trusted account type and the same service request time in the same preset time period in all the service requests meeting the merging processing as one type of merging data;

s502, if the influence factors are the current trusted account type, the target trusted account type, the service type and the service request time, taking the service request which meets the merging process and has the same current trusted account type, the same service type, the same target trusted account type and the same service request time in the same preset time period as one type of merging data; wherein the merged data is of at least one type.

In this embodiment, each hosting system has a processing cycle (i.e., a pricing cycle), and if the pricing cycle is 7 days, the pricing days of the month are respectively given as the number 1, the number 8, the number 15, the number 22, the number 29, and the like, so that the service request time belonging to the same cycle (or the same preset time period) is required to be a merging item when merging data, and therefore, if the influencing factors are the current trusted account type, the target trusted account type, and the service request time, to-be-processed data of the same current trusted account type, the same target trusted account type, and the service request time belonging to the same cycle in all the service requests that satisfy the merging processing are taken as a type of merging data; and if the influence factors are the current trusted account type, the target trusted account type, the service type and the service request time, taking the data to be processed which has the same current trusted account type, the same service type, the same target trusted account type and the service request time belonging to the same period in all the service requests meeting the merging processing as one type of merged data.

In this embodiment, through data merging, a new piece of data to be processed can be generated, and then an instruction is generated, so that the number of generated instructions is reduced, and further frequent interaction with other systems is reduced, which causes data risk or resource waste.

In practical application, because the consignee can perform investment operation on the enterprise annuity according to the delegation of the principal to realize asset value increase, for the roll-out service of the service request (such as member annuity roll-out service and enterprise annuity plan transfer service), the consignee needs to check whether the balance in the corresponding consigned account number in the hosting system is sufficient or not.

Optionally, the present embodiment explains the data processing method in detail on the basis of the above-mentioned embodiment, for example, on the basis of the embodiment described in fig. 6. Wherein, the data to be processed further includes: money to be processed;

acquiring first surplus data in the current trusted account corresponding to the current trusted account type; generating a first redemption instruction instructing the target escrow system to redeem the difference funds between the first remaining data and the transfer data in the pending money into the current committed account number from the cast system if the first remaining data is less than the transfer data in the pending money.

accumulating all the money to be processed in the various types of the combined data to obtain target money transfer data; acquiring second surplus data in the current trusted account corresponding to the current trusted account type; generating a second redemption instruction for instructing the target escrow system to redeem the difference funds of the second remaining data and the target transfer data back into the current escrow account from the cast system if the second remaining data is less than the target transfer data.

In this embodiment, whether the first transfer instruction or the second transfer instruction is generated, it is necessary to determine whether the balance of the trusted account is sufficient, but different transfer instructions may be generated or different redemption instructions may be generated for different processing methods. For example, if the transaction request is a scatter process, each piece of to-be-processed data in each service request is subjected to a pre-combination process, that is, the to-be-processed data belonging to the same current trusted account type and the same target trusted account type are subjected to pre-combination, so as to generate a first money-drawing instruction. Before generating a first money transfer instruction, the money transfer data in the pre-merged data needs to be superimposed to serve as total money transfer data corresponding to the first money transfer instruction, and if the obtained first remaining data in the current trusted account is smaller than the total money transfer data corresponding to the first money transfer instruction, a first redemption instruction is generated, and the target hosting system is instructed to redeem the difference fund between the first remaining data and the money transfer data in the to-be-processed money item from the hosting system to the current trusted account.

If the transaction is merging processing, firstly accumulating all the to-be-processed money in all types of merging data to obtain target transfer data, then acquiring second remaining money data in the current trusted account corresponding to the current trusted account type, and if the second remaining money data is smaller than the target transfer data, generating a second redemption instruction to instruct the target hosting system to redeem difference funds between the second remaining money data and the target transfer data into the current trusted account from the management system.

In practical applications, the service type may include a member annuity roll-out service, an enterprise annuity plan transfer service, or an enterprise annuity payment service. For example, 2019.1.2 initiates a member roll-out service, i.e., service request 1, including: the client A participates in the original annuity plan A1, the consignee A1, the fund 500 Yuan is in the A1 consignee, the client is transferred to the annuity plan B1, the consignee B1, and the fund is transferred to the B1 consignee; referring to original annual fund plan A1 and consignee A1, the principal B transfers 600 Yuan funds to the A1 consignee, and transfers the funds to plan C1 and consignee C1, and the funds are transferred to the C1 consignee; the principal C refers to original annual fund plan A1, the consignee A1, the fund 700 Yuan is in A1 entrepreneur, the consignee transfers to plan B1, the consignee is safe, and the fund is to be transferred into B1 entrepreneur. 2019.1.3 initiates a plan transfer service, namely service request 2, where the service request 2 includes original plan A1 of enterprise M, consignee A1, 100 ten thousand yuan in A1 consignee, transfer plan B1, consignee B1, and fund is to be transferred to B1 consignee. 2019.1.4 initiates a member roll-out service, service request 3 includes: the client D participates in the original annuity plan A2 and the consignee A1, the fund 800 Yuan is in A2 consignee, the client is transferred to the annuity plan A4, the consignee is A4 and the consignee A1; the client F participates in the original annuity plan A2, the consignee A1, the fund 900 Yuan is in the A2 consignee, no receiving unit or new enterprise does not participate in the annuity plan, and at the moment, the personnel are unified to the specific consignee U for management, namely the consignee A1. 2019.1.5 initiates a payment service, namely service request 4, where the service request 4 includes enterprise N join annuity plan a1, consignee a1, and payment 50 ten thousand to a1 consignor.

Scene one: for the four service requests, if the processing mode of the four service requests is decentralized processing:

1. 2019.1.2 generates (500+600+700) fund redemption commands (here, first redemption commands), redeems the investor's funds to the A1 entrusted user, generates two stroke commands (here, the first stroke commands), one (500+700) stroke command, from A1 to B1; a600 stroke instruction, from A1 to C1.

2. 2019.1.3 generates a redemption order of 100 ten thousand funds, redeems the investor's funds to the A1 entrusted user, and generates a transfer order of 100 ten thousand money from A1 to B1.

3. 2019.1.4 generates 800+900 fund redemption commands to redeem the investor's funds to the A1 trusted user, and generates two stroke commands, a 800 stroke command, from A2 to A4; a900 stroke command, from A2 to U.

4. 2019.1.5 generates 50 ten thousand money collecting instructions (or payment instructions), collects payment to A1 entrusted household, generates investment allocation instructions, and invests 50 thousand money to invest in income.

Scene two: for the four service requests, if the processing mode of the four service requests is merging processing, and the category of the hosting system is the second category, namely the service type is not concerned, the service application time is not concerned, namely the service initiation date, in each period, a transfer instruction is received, and as long as the transfer charge account (the current trusted account) is the same, the transfer account number (the target trusted account) is the same, the merging transfer processing is performed:

1. in this example, transaction-like instructions (i.e., investment buy instructions, or redemption instructions) are first generated because the funds of the A1 trusted users are currently at the investor, and when a transaction to be paid occurs, the money needs to be redeemed from the investor to the A1 trusted user before payment is made; when payment occurs, the A1 trustee receives money and needs to put the money into the investor to increase the investment value; when both the payment and the posting are carried out, the rolling difference is adopted, in this example, the enterprise N pays 50 ten thousand to the A1 trusted user, the A1 needs to transfer (500 yuan +700 yuan +100 ten thousand) to B1, the A1 needs to transfer 600 yuan to C1, the rolling difference (500 yuan +600 yuan +700 yuan +100 ten thousand) -50 thousand obtains, and the redemption fund carried in the generated redemption instruction is (500 yuan +600 yuan +700 yuan +50 ten thousand) and is sent to the target hosting system.

2. Secondly, the trusted system will automatically generate two stroke instructions (here, the second transfer instruction) according to the transfer receiving account (i.e. the target trusted account)

(1) The client A, the client C and the enterprise M (including two businesses of member transfer and plan transfer) generate a transfer instruction carrying transfer data of (500 yuan +700 yuan +100 ten thousand yuan) and send the transfer instruction to the target hosting system, and the target hosting system transfers a money from an A1 consignee to a B1 consignee integrally without paying attention to the businesses of which specific money is formed.

(2) And the client B generates a money transfer instruction carrying 600 elements of the money transfer data and sends the money transfer instruction to the target hosting system, and the target hosting system transfers a money from the A1 consignee to the C1 consignee.

3. 2019.1.4, since the consignee is not changed, the redemption order, the money transfer order and the investment allocation order are not generated, so as to avoid the time-consuming period of these operations causing the capital investment to shrink. The account is changed from A2(800 yuan) to A4 and A2(900 yuan) to U when the account is required to be ensured to be updated in time.

Scene three: for the four service requests, if the processing mode of the four service requests is merge processing, and the category of the hosting system is the first category, namely the concerned service type:

1. in this example, the trusted system first generates a transaction-like directive (i.e., an investment buy directive, or an investment redemption directive) because the funds of the A1 trusted users are currently in the investor, and when a transaction to be paid occurs, the money needs to be redeemed from the investor to the A1 trusted user before payment is made; when payment occurs, the A1 trustee receives money and needs to put the money into the investor to increase the investment value; when both the payment and the posting are carried out, the rolling difference is adopted, in this example, the enterprise N pays 50 ten thousand to the A1 trusted user, the A1 needs to transfer (500 yuan +700 yuan +100 ten thousand) to B1, the A1 needs to transfer 600 yuan to C1, and the rolling difference (500 yuan +600 yuan +700 yuan +100 ten thousand) -50 ten thousand obtains, generates a redemption instruction carrying the redeemed fund of (500 yuan +600 yuan +700 yuan +50 yuan), and sends the redemption instruction to the target hosting system.

2. And then the entrusted system automatically generates a three-stroke money instruction according to the service type and the transfer receiving account:

(1) the client a and the client C (only including the member transfer) generate a transfer instruction carrying transfer data of (500 yuan +700 yuan), and transmit the transfer instruction to the target hosting system, and the target hosting system transfers the transfer of (500 yuan +700 yuan) from the a1 entrusted user to the B1 entrusted user.

(2) And (3) sending a transfer instruction carrying 100 ten thousand yuan of transfer data to the target hosting system by the enterprise M (only including plan transfer), wherein the target hosting system transfers 100 thousand money from the A1 entrusted user to the B1 entrusted user.

(3) The principal B (who only includes the member roll-out) generates a transfer instruction carrying 600-yuan transfer data and sends the transfer instruction to the target hosting system, and the target hosting system transfers a money from the A1 entrusted user to the C1 entrusted user.

Optionally, in this embodiment, a data processing method is described in detail on the basis of the foregoing embodiment. The first money transfer instruction and the second money transfer instruction both contain the money to be processed; after determining that the current trusted account type and the target trusted account type are inconsistent, the method further comprises:

sending each request object in each service request meeting the inconsistency between the current trusted account type and the target trusted account type and the transfer data corresponding to each request object to an account management system; receiving accounting information fed back by the accounting management system;

optionally, after the instructing the target hosting system to perform a money transfer operation, the method further comprises:

In the embodiment, various processing modes for processing the service request are provided by analyzing the actual application scene corresponding to the service request in the data processing process, so that data can be flexibly processed.

According to the invention, through the time point adjustment of the generated instruction, the situation that the trusteeship system cannot process the instruction due to the fact that the pricing period is not reached after the trusteeship system receives the instruction is avoided; the instruction generation mode is flexibly configured, the requirement of docking more than 10 housekeeping systems is met, and different money transfer modes are supported; meanwhile, when the operation mode of the trustee system is converted along with the upgrading of the trustee system, the trustee system does not need to develop codes again, and can achieve the purposes of combining different levels of instructions, reducing the number of instruction files and reducing occupied storage space.

In order to implement the data processing method, the embodiment provides a data processing device. Referring to fig. 7, fig. 7 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present invention; the data processing apparatus 70 includes: a service request receiving module 701, configured to receive at least one service request sent by a target terminal, where each service request carries at least one piece of data to be processed, a service type, and service request sending time, and each piece of data to be processed includes a current trusted account type and a target trusted account type; a service request response module 702, configured to respond to each service request, compare a current trusted account type and the target trusted account type in each piece of data to be processed, and if the current trusted account type is inconsistent with the target trusted account type, obtain a hosting system matched with the current trusted account type and a processing mode matched with the hosting system and used for processing the service request, where the processing mode includes a dispersion processing and a combination processing; a first money drawing instruction generating module 703, configured to generate a first money drawing instruction according to the type of the target trusted account, the service type, and the service request time when the processing mode is decentralized processing; a data merging module 704, configured to, when the processing manner is merging processing, perform classification processing on each piece of to-be-processed data in all the service requests that satisfy the merging processing according to the hosting system, the current trusted account type, the target trusted account type, the service type, and service request time to obtain at least one type of merged data; a second money transfer instruction generating module 705, configured to generate a second money transfer instruction according to each type of the merged data; an indicating module 706, configured to send the first transfer instruction and the second transfer instruction to corresponding target hosting systems, and instruct the target hosting systems to execute a transfer operation.

The apparatus provided in this embodiment may be used to implement the technical solutions of the above method embodiments, and the implementation principles and technical effects are similar, which are not described herein again.

Optionally, the service request response module is specifically configured to: acquiring a mapping table from a preset database, wherein the mapping table stores mapping relations among the type of a trusted account, a hosting system and a processing mode; determining a target mapping relation matched with the type of the current trusted account number from the mapping table; and determining a hosting system matched with the type of the current trusted account and a processing mode matched with the hosting system for processing the data to be processed according to the target mapping relation.

Optionally, the data merging module 704 includes: an influence factor determining unit and a classification processing unit;

an influence factor determining unit, configured to determine, according to a hosting system corresponding to the data to be processed in each service request, an influence factor of the merging process, where the influence factor is at least one of a current trusted account type, a target trusted account type, a service type, and service request time; and the classification processing unit is used for classifying all the data to be processed in all the service requests meeting the merging processing according to the influence factors to obtain at least one type of merged data.

Optionally, the influence factor determining unit is specifically configured to:

obtaining the affiliated category of the hosting system, wherein the affiliated category comprises a first category and a second category; if the type of the hosting system belongs to the first type, the influence factors of the merging processing are the current trusted account type, the target trusted account type and the service request time; if the type of the hosting system is the second type, the influence factors of the merging processing are the current trusted account number type, the target trusted account number type, the service type and the service request time.

Optionally, the classification processing unit is specifically configured to: if the influence factors are the current trusted account type, the target trusted account type and the service request time, taking the service requests which have the same current trusted account type, the same target trusted account type and the same service request time in the same preset time period in all the service requests meeting the merging processing as one type of merged data; if the influence factors are the current trusted account type, the target trusted account type, the service type and the service request time, using the service requests which have the same current trusted account type, the same service type, the same target trusted account type and the same service request time in the same preset time period in all the service requests meeting the merging processing as one type of merging data; wherein the merged data is of at least one type.

Optionally, the data to be processed further includes: money to be processed; the data processing apparatus further includes: a first redemption instruction processing module and a second redemption instruction processing module.

The first redemption instruction processing module is used for acquiring first remaining money data in the current trusted account corresponding to the current trusted account type before sending the first money drawing instruction to the corresponding target escrow system; generating a first redemption instruction for instructing the target escrow system to redeem difference funds between the first remaining data and the transfer data in the pending money into the current committed account number from a cast system if the first remaining data is less than the transfer data in the pending money; the second redemption instruction processing module is used for accumulating all the to-be-processed money in the combined data to obtain target money transfer data before sending the second money transfer instruction to the corresponding target escrow system; acquiring second surplus data in the current trusted account corresponding to the current trusted account type; generating a second redemption instruction for instructing the target escrow system to redeem the difference funds of the second remaining data and the target transfer data back into the current escrow account from the cast system if the second remaining data is less than the target transfer data.

Optionally, the first money transfer instruction and the second money transfer instruction both contain the money to be processed; the device further comprises: a checking module; a verification module to:

after the current trusted account type is determined to be inconsistent with the target trusted account type, sending each request object in each service request meeting the inconsistency between the current trusted account type and the target trusted account type and the transfer data corresponding to each request object to an account management system; receiving accounting information fed back by the accounting management system; after the target hosting system is instructed to execute the money transfer operation, money transfer success information fed back by the target hosting system is received, wherein the money transfer success information comprises transaction reconciliation information; and comparing the money to be processed, the accounting information and the transaction reconciliation information, and if the money to be processed, the accounting information and the transaction reconciliation information are consistent, sending indication information for indicating that the execution of the service request is successful to the target terminal.

In order to implement the data processing method, the embodiment provides a data processing device. Fig. 8 is a schematic structural diagram of a data processing device according to an embodiment of the present invention. As shown in fig. 8, the data processing apparatus 80 of the present embodiment includes: a processor 801 and a memory 802; a memory 802 for storing computer-executable instructions; the processor 801 is configured to execute the computer-executable instructions stored in the memory to implement the steps performed in the above embodiments. Reference may be made in particular to the description relating to the method embodiments described above.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer execution instruction is stored in the computer-readable storage medium, and when a processor executes the computer execution instruction, the data processing method as described above is implemented.

In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described device embodiments are merely illustrative, and for example, the division of the modules is only one logical division, and other divisions may be realized in practice, for example, a plurality of modules may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or modules, and may be in an electrical, mechanical or other form. In addition, functional modules in the embodiments of the present invention may be integrated into one processing unit, or each module may exist alone physically, or two or more modules are integrated into one unit. The unit formed by the modules can be realized in a hardware form, and can also be realized in a form of hardware and a software functional unit.

The integrated module implemented in the form of a software functional module may be stored in a computer-readable storage medium. The software functional module is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods according to the embodiments of the present invention. It should be understood that the Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present invention may be embodied directly in a hardware processor, or in a combination of the hardware and software modules within the processor.

The memory may comprise a high-speed RAM memory, and may further comprise a non-volatile storage NVM, such as at least one disk memory, and may also be a usb disk, a removable hard disk, a read-only memory, a magnetic or optical disk, etc. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, the buses in the figures of the present invention are not limited to only one bus or one type of bus. The storage medium may be implemented by any type or combination of volatile or non-volatile memory devices, such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.

An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. Of course, the storage medium may also be integral to the processor. The processor and the storage medium may reside in an Application Specific Integrated Circuits (ASIC). Of course, the processor and the storage medium may reside as discrete components in an electronic device or host device.

Those of ordinary skill in the art will understand that: all or a portion of the steps of implementing the above-described method embodiments may be performed by hardware associated with program instructions. The program may be stored in a computer-readable storage medium. When executed, the program performs steps comprising the method embodiments described above; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.

Claims

1. A data processing method, comprising:

2. The method according to claim 1, wherein the obtaining a hosting system matched with the current trusted account type and a processing manner matched with the hosting system for processing the service request comprise:

3. The method according to claim 2, wherein the classifying, according to the hosting system, the current trusted account type, the target trusted account type, the service type, and the service request time, each piece of to-be-processed data in all the service requests that satisfy the merging processing to obtain at least one type of merged data includes:

4. The method according to claim 3, wherein the determining the impact factors of the merging process according to the hosting system corresponding to the data to be processed in each of the service requests comprises:

5. The method according to claim 4, wherein the classifying, according to the influence factor, each piece of the to-be-processed data in all the service requests that satisfy the merging processing to obtain at least one type of merged data includes:

wherein the merged data is of at least one type.

6. The method of claim 5, wherein the data to be processed further comprises: money to be processed;

7. The method according to claim 6, wherein the first transfer instruction and the second transfer instruction each contain the pending money;

receiving accounting information fed back by the accounting management system;

8. A data processing apparatus, comprising:

9. A data processing apparatus, characterized by comprising: at least one processor and memory;

the memory stores computer-executable instructions;

the at least one processor executing the computer-executable instructions stored by the memory causes the at least one processor to perform the data processing method of any of claims 1 to 7.

10. A computer-readable storage medium having stored thereon computer-executable instructions which, when executed by a processor, implement a data processing method according to any one of claims 1 to 7.