CN113506166A

CN113506166A - Data processing method and device of target service and server

Info

Publication number: CN113506166A
Application number: CN202110812890.6A
Authority: CN
Inventors: 李静怡; 叶焕灿
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-07-19
Filing date: 2021-07-19
Publication date: 2021-10-15

Abstract

The specification provides a data processing method, a data processing device and a server of a target service. Based on the method, a user can initiate a target application request about a target service on line through terminal equipment, and upload service data and associated files related to the target service; the server responds to the target application request, stores the service data and the associated file in an online database, and establishes a corresponding relation between the service data and the associated file and the target identifier; then the server determines a target approval rule matched with the target service, and sends a target application request to a corresponding approval node for preset approval processing according to the target approval rule and the specific approval condition; then the server acquires and determines whether the target service meets the preset service handling conditions according to the approval result of the approval node; and processing related target data under the condition of determining that the preset service handling condition is met. Therefore, the data processing efficiency of the target service can be effectively improved.

Description

Data processing method and device of target service and server

Technical Field

The present specification belongs to the field of computer technologies, and in particular, to a data processing method, apparatus, and server for a target service.

Background

In a banking scenario, when a user wants to transact a banking business (e.g., a financial business such as a commercial money order posting business), the user often needs to submit an application and a corresponding material document to a staff member online. The staff need be earlier after carrying out corresponding processing by hand, provide a plurality of personnel of approving in proper order again and carry out concrete approval. The staff can handle the specific banking business for the user after all the approvers have approved the approval.

Therefore, when the method is used for handling specific banking business for a user, the problems of complex business data processing process, low processing efficiency, poor use experience of the user and the like often exist.

In view of the above problems, no effective solution has been proposed.

Disclosure of Invention

The specification provides a data processing method, a data processing device and a server of a target service, so that the data processing flow of the target service is effectively simplified, the data processing efficiency of the target service is improved, a user can efficiently and conveniently complete data processing including application, approval, handling and the like of the target service on line, user side operation is simplified, and the use experience of the user is improved.

An embodiment of the present specification provides a data processing method for a target service, which is applied to a server, and includes:

receiving a target application request about a target service, service data related to the target service and an associated file, which are initiated by a user through terminal equipment; wherein, the target application request at least carries a target identifier;

responding to the target application request, storing the service data and the associated file in an online database, and establishing a corresponding relation between the service data and the associated file and a target identifier;

determining a target approval rule matched with the target service;

according to the target approval rule, sending the target application request to a corresponding approval node for preset approval processing; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule;

acquiring and determining whether the target service meets preset service handling conditions according to the approval result of the approval node;

and under the condition that the target service is determined to meet the preset service handling conditions, processing target data related to the target service.

In some embodiments, the target service comprises a money order posting service.

In some embodiments, where the target service comprises a money order posting service, the service data comprises money orders; the associated file comprises: trade background information, user identification materials and user credit investigation authorization books.

In some embodiments, the trade background information includes a contract document, an invoice receipt associated with the money order.

In some embodiments, according to the target approval rule, sending the target application request to a corresponding approval node for a preset approval process includes:

acquiring an approval mark carried by a target application request at present; under the condition that the approval node determines that the approval of the target service is passed, adding an approval passing mark containing a node identifier of the approval node on the target application request;

extracting node identification from the approval mark;

determining a current approval node according to the target approval rule and the node identification;

and sending the target application request to a current approval node for preset approval processing.

In some embodiments, the obtaining and determining whether the target service meets the preset service handling condition according to the approval result of the approval node includes:

obtaining an approval mark carried by a target application request as an approval result of an approval node;

and according to the target approval rule, determining whether the target service meets the preset service handling condition by detecting whether the number of the approval passing marks in the approval result is equal to the preset number value.

In some embodiments, determining whether the target service meets a preset service handling condition by detecting whether the number of the approval pass flags in the approval result is equal to a preset number value according to the target approval rule includes:

and under the condition that the number of the approval passing marks in the approval result is equal to a preset number value, determining that the target service meets the preset service handling condition.

In some embodiments, in the case that it is determined that the target service satisfies the preset service handling condition, the performing target data processing on the target service includes:

inquiring an online database according to the target identification to obtain a money order related to the target service;

determining matched fund data according to the draft and a preset cash-out rule;

and issuing the fund data to the user.

In some embodiments, the preset approval process includes at least: the checking and approval of the money order and the checking and approval of the credit investigation of the user.

The embodiment of the present specification further provides a data processing method of a target service, which is applied to an approval node, and includes:

receiving a target application request related to a target service, and acquiring a target identifier carried by the target application request;

inquiring an online database according to the target identification to acquire service data and associated files related to the target service;

determining a target approval rule matched with the target service;

and according to a target approval rule, performing preset approval processing on the target service by using the service data and the associated file.

In some embodiments, after performing a preset approval process on the target service by using the service data and the associated file according to a target approval rule, the method further includes:

under the condition that the target service is determined to be approved, generating an approval passing mark containing a node identifier of an approval node; and adding the approval pass mark to the target application request.

In some embodiments, before performing a preset approval process on the target service by using the service data and the associated file according to a target approval rule, the method further includes:

acquiring an approval mark carried by a target application request at present;

extracting node identification from the approval mark;

and determining whether preset approval processing is currently performed on the target service or not according to the target approval rule and the node identifier.

An embodiment of the present specification further provides a data processing apparatus for a target service, including:

the receiving module is used for receiving a target application request which is initiated by a user through terminal equipment and relates to a target service, service data related to the target service and an associated file; wherein, the target application request at least carries a target identifier;

the storage module is used for responding to the target application request, storing the service data and the associated file in an online database, and establishing the corresponding relation between the service data and the associated file and the target identifier;

the first determining module is used for determining a target approval rule matched with the target service;

the approval module is used for sending the target application request to a corresponding approval node for preset approval processing according to the target approval rule; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node also performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule;

the second determining module is used for acquiring and determining whether the target service meets the preset service handling conditions according to the approval result of the approval node;

and the processing module is used for processing target data related to the target service under the condition that the target service is determined to meet the preset service handling condition.

Embodiments of the present specification further provide a server, including a processor and a memory for storing processor-executable instructions, where the processor executes the instructions to implement: receiving a target application request about a target service, service data related to the target service and an associated file, which are initiated by a user through terminal equipment; wherein, the target application request at least carries a target identifier; responding to the target application request, storing the service data and the associated file in an online database, and establishing a corresponding relation between the service data and the associated file and a target identifier; determining a target approval rule matched with the target service; according to the target approval rule, sending the target application request to a corresponding approval node for preset approval processing; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule; acquiring and determining whether the target service meets preset service handling conditions according to the approval result of the approval node; and under the condition that the target service is determined to meet the preset service handling conditions, processing target data related to the target service.

Embodiments of the present specification also provide a computer-readable storage medium having stored thereon computer instructions that, when executed, implement: receiving a target application request about a target service, service data related to the target service and an associated file, which are initiated by a user through terminal equipment; wherein, the target application request at least carries a target identifier; responding to the target application request, storing the service data and the associated file in an online database, and establishing a corresponding relation between the service data and the associated file and a target identifier; determining a target approval rule matched with the target service; according to the target approval rule, sending the target application request to a corresponding approval node for preset approval processing; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule; acquiring and determining whether the target service meets preset service handling conditions according to the approval result of the approval node; and under the condition that the target service is determined to meet the preset service handling conditions, processing target data related to the target service.

Based on the method, a user can directly initiate a target application request related to a target service on line through terminal equipment, and upload service data and associated files related to the target service; wherein, the target application request carries a target identifier; the server responds to the target application request, firstly stores the service data and the associated file in an online database, and establishes the corresponding relation between the service data and the associated file and the target identifier, so that the service data and the associated file can be efficiently and conveniently searched and traced on line in the subsequent data processing process; then the server can determine a target approval rule matched with the target service, and intelligently sends a target application request to a corresponding approval node to carry out preset approval processing according to the target approval rule and the specific approval condition; then the server can obtain and determine whether the target service meets the preset service handling conditions according to the approval result of the approval node; and automatically processing related target data under the condition of determining that the preset service handling conditions are met. Therefore, the data processing flow of the target service can be effectively simplified, the data processing efficiency of the target service is improved, a user can efficiently and conveniently complete data processing including application, approval, handling and the like of the target service on line, the operation of the user side is simplified, and the use experience of the user is improved.

Drawings

In order to more clearly illustrate the embodiments of the present specification, the drawings needed to be used in the embodiments will be briefly described below, and the drawings in the following description are only some of the embodiments described in the specification, and it is obvious to those skilled in the art that other drawings can be obtained based on the drawings without any inventive work.

Fig. 1 is a flowchart illustrating a data processing method of a target service according to an embodiment of the present disclosure;

FIG. 2 is a flow chart of a data processing method of a target service provided by an embodiment of the present specification;

FIG. 3 is a schematic diagram of a server according to an embodiment of the present disclosure;

fig. 4 is a schematic structural composition diagram of a data processing apparatus of a target service provided by an embodiment of the present specification;

fig. 5 is a schematic diagram of an embodiment of a data processing method for a target service provided by an embodiment of the present specification, in a scenario example;

fig. 6 is a schematic diagram of an embodiment of a data processing method for a target service provided by an embodiment of the present specification, in an example scenario.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

Referring to fig. 1, an embodiment of the present specification provides a data processing method for a target service, where the method is specifically applied to a server side of an online service handling system. In specific implementation, the method may include the following:

s101: receiving a target application request about a target service, service data related to the target service and an associated file, which are initiated by a user through terminal equipment; wherein, the target application request at least carries a target identifier;

s102: responding to the target application request, storing the service data and the associated file in an online database, and establishing a corresponding relation between the service data and the associated file and a target identifier;

s103: determining a target approval rule matched with the target service;

s104: according to the target approval rule, sending the target application request to a corresponding approval node for preset approval processing; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule;

s105: acquiring and determining whether the target service meets preset service handling conditions according to the approval result of the approval node;

s106: and under the condition that the target service is determined to meet the preset service handling conditions, processing target data related to the target service.

Through the embodiment, the user can initiate a target application request about the target service on line through the terminal equipment and upload related service data and associated files; correspondingly, the server can automatically respond to the target application request on line, firstly determine and intelligently send the target application request to the corresponding approval node for preset approval processing according to the matched target approval rule; and judging whether the target service meets the preset service handling conditions or not according to the approval result of the approval node, and carrying out specific target data processing. Therefore, the data processing flow of the target service can be effectively simplified, the operation of the user side is simplified, the data processing efficiency of the target service is improved, the user can efficiently and conveniently complete the application and the handling of the target service on line, and the use experience of the user is improved.

In some embodiments, the data processing method of the target service may be specifically applied to a server side of an online service handling system. The online service handling system can be specifically understood as a system structure which is laid in advance and supports a user to apply, approve and handle a target service online.

In some embodiments, the online service handling system may specifically include a plurality of structural components, such as a server, a plurality of approval nodes, and a terminal device. The server, the plurality of approval nodes and the terminal equipment can be connected in a wired or wireless mode to carry out specific data interaction.

The server may specifically include a server that is applied to one side of the online business handling system and is in charge of data processing at a background, and the server can realize functions of data transmission, data processing and the like. Specifically, the server may be, for example, an electronic device having data operation, storage function and network interaction function. Alternatively, the server may be a software program running in the electronic device and providing support for data processing, storage and network interaction. In the present embodiment, the number of servers is not particularly limited. The server may specifically be one server, or may also be several servers, or a server cluster formed by several servers.

The approval node may specifically include a node server responsible for performing preset approval processing on the target service.

The terminal device may specifically include a front end that is applied to a user side and that is capable of implementing functions such as data acquisition and data transmission. Specifically, the terminal device may be, for example, a desktop computer, a tablet computer, a notebook computer, a smart phone, or the like. Alternatively, the terminal device may be a software application capable of running in the electronic device. For example, it may be some electronic bank APP running on a mobile phone, etc.

In some embodiments, the target service may be specifically understood as a service item waiting for approval and handling applied by a user. In a banking scenario, the target service may be banking provided by a bank.

Specifically, the target service may include a money order posting service and the like. The money order discount service may specifically refer to a discount service provided by an organization such as a bank for bills such as commercial money orders which should be received and paid. Based on the business, a user (for example, a certain enterprise) can submit the bill to a bank for posting before the bill to be received expires, and the bank issues the balance of the expired value of the bill and the interest (posting discount price) deducted from the posting date to the expiration date calculated according to the posting interest rate to the user.

Of course, the above-listed money order posting services are merely illustrative. In specific implementation, the target service may also include other types of services according to specific application scenarios and processing requirements. Such as a low volume credit service, a car credit service, a house credit service, etc.

In some embodiments, the user may be an enterprise user applying for handling money orders to embody the business. A terminal device (or called a client) of the online business handling system is arranged at one side of the enterprise.

In specific implementation, the staff of the enterprise can generate and initiate a target application request about a target service to a server of the online service handling system through the terminal device.

The terminal equipment responds to the corresponding operation of the staff of the enterprise, generates a target application request and simultaneously generates a target identifier which is in one-to-one correspondence with the target service applied by the target application request; and attaching the target identification to the target application request to obtain the target application request carrying the target identification. And the terminal equipment sends the target application request carrying the target identification to a server.

In specific implementation, when the staff of the enterprise generates the target application request through the terminal device, the terminal device also generates and displays a relevant data input interface to the staff of the enterprise. Further, the staff of the enterprise can upload the business data and the associated files related to the target business through the terminal equipment according to the prompt information on the input interface. Accordingly, the terminal device may send the target application request, and the service data and the associated file related to the target service to the server together.

In some embodiments, in a case where the target service includes a money order posting service, the service data may specifically include money orders; the association file may specifically include: trade background data, user identification materials, user credit investigation authorization books and the like.

The draft may also be referred to as a commercial draft, and may specifically be a bill issued by a drawer and entrusted to a payer to unconditionally pay a certain amount of money to a payee or a ticket holder on a specified date. The draft may specifically include: commercial acceptance drafts and bank acceptance drafts. In particular, in the banking scenario, commercial draft is a common settlement tool and financing tool for enterprises, and plays an important role in supply chain finance.

The identification material may specifically be a document capable of verifying the identity of the user. Such as copies of business licenses for the enterprise, copies of identification cards for corporate jurisdictions, and so forth.

The above trade background may specifically refer to a material file associated with the money order for certifying the authenticity of the money order. Specifically, the trade background information may include a contract document, an invoice receipt, and the like associated with the money order.

The user credit investigation authorization book may specifically be a copy or a photo of an authorization book which is signed and sealed by a user and indicates that the user agrees to the authorization system to automatically perform credit investigation on the user.

In some embodiments, the association file may further include other types of data files. For example, the associated file may further include an application document file of the target service, a remark comment file customized by the user, and the like.

In some embodiments, after receiving the target application request, the service data and the associated file related to the target service, the server may first parse the target application request and extract the carried target identifier. Further, the server may store the service data and the associated file in an online database, and establish a correspondence between the service data and the associated file and the target identifier in the online database.

In addition, the server may record the correspondence in a relationship list stored in an online database. Therefore, the corresponding relation can be obtained by inquiring the relation list of the online database in the following process, and the online database is inquired based on the corresponding relation, so that the required service data and/or the associated file can be efficiently and accurately obtained.

In some embodiments, before the implementation, the server may further perform classification learning on examination and approval and transaction records of a large number of historical services to determine a plurality of preset examination and approval rules corresponding to a plurality of different scene types. And each preset approval rule records the business approval and handling processes under the corresponding scene type. Based on the business approval and transaction process, the node identification of the approval node in charge of approval processing in each stage and specific rule information such as business transaction conditions can be known.

The target application request may also specifically carry a scene type identifier related to the target service. Correspondingly, the server can determine a preset approval rule matched with the scene type identifier from the plurality of preset approval rules as the target approval rule according to the scene type identifier of the target application request.

In some embodiments, the server may monitor the specific approval of the target application request; and automatically and respectively sending the target application requests to corresponding approval nodes in sequence to carry out preset approval processing according to the target approval rule and the specific approval condition so as to complete the approval of the approval nodes required in the target approval rule.

In some embodiments, the preset approval process may include at least: a reconciliation approval of the remittance (which may be denoted as a pre-established first approval process), and a reconciliation approval of the user (which may be a pre-established second approval process).

Wherein, the checking and approval of the money order may specifically include: and checking whether the money orders in the approval money order posting business are matched with trade background information provided by the user so as to determine whether the money orders are real and credible.

The checking and approval of the credit investigation of the user may specifically include: the method comprises the steps that an associated external credit investigation system obtains a credit investigation report of a user; and checking whether the credit investigation of the approval user meets the service handling condition or not according to the credit investigation report.

Of course, the above-listed predetermined approval process is only a schematic illustration. In specific implementation, the preset approval process may further include other types of approval processes according to specific application scenarios and business requirements. For example, verification of user identity rights, verification of a user's historical risk of violation, and the like may also be included.

In some embodiments, in specific implementation, the server may determine, according to the target approval rule, a node identifier of a first approval node (denoted as a first approval node) responsible for approval processing; and then sending the target application request to the first approval node according to the node identification. The examination and approval node may be a node server responsible for examination and approval.

After receiving the target application request, the first approval node may determine a target approval rule matching with a target service applied by the target application request; and extracts the target identification from the target application request.

Then, the first approval node can query the online database according to the target identifier to obtain service data related to the target service, such as a money order; and associated documents, such as trade background data, user identification material, user credit inquiry authority, etc.

Further, the first approval node may perform preset approval processing on the target service by using the acquired service data and the associated file according to the target approval rule.

During the specific approval, the first approval node may extract key information (e.g., the name of the money order, the amount of money of the money order, etc.) from the money order; and matching the key information with contract documents, invoice receipts and the like in the trade background information to determine whether the draft is consistent with the trade background information. In the event that a match is determined, a check approval of the draft is determined. Thereby completing the preset first approval process.

Meanwhile, the first approval node can be associated with an external credit investigation system by using user identification materials, user credit investigation authorization books and the like so as to automatically inquire and acquire a credit investigation report of the user; and determining whether the credit investigation condition of the user meets the credit investigation requirement or not according to the credit investigation report and the target approval condition of the user. And under the condition that the credit investigation condition of the user is determined to meet the credit investigation requirement, determining that the checking approval of the credit investigation of the user passes. Thereby completing the preset second approval process.

In some embodiments, when the first approval node specifically queries to obtain the credit investigation report of the user, a first query request may be first generated according to user identification materials, a user credit investigation authorization statement, and the like, and the first query request is sent to an internal credit investigation system (e.g., a credit investigation system within a row). And the internal credit investigation system receives and responds to the first query request, verifies the user identification materials, the user credit investigation authorization books and the like carried by the first query request, and generates and feeds back the uniform authorization library codes corresponding to the target services to the first approval node under the condition of passing the verification. The unified authorization library code can be understood as a data certificate which is associated with an external credit investigation system to inquire a credit investigation report.

Further, the first approval node may generate a second query request; the second query request may specifically carry the uniform authorization library code and the identity information of the user. The first approval node can send the second query request to an external credit investigation system through an internal credit investigation system. The external credit investigation system receives and responds to the second query request, and the authenticity verification is carried out on the uniform authorization library code carried by the second query request; under the condition that the verification is passed, carrying out credit investigation query according to the identity information of the user carried by the second query request so as to obtain a credit investigation report aiming at the user; and feeding back the credit report to the first approval node through an internal credit investigation system.

Therefore, the first approval node can efficiently and reliably realize automatic association with the external credit investigation system and acquire the credit investigation report of the user.

In some embodiments, the first approval node can determine that the target service is approved only when it is determined that the preset first approval process and the preset second approval process both pass the approval. In turn, the first approval node may generate an approval pass flag (e.g., a positive approval flag) and add the approval pass flag to the target application request. The approval pass flag may specifically include a node identifier of the first approval node.

In contrast, if at least one of the preset first approval process or the preset second approval process fails, it is determined that the target service is not approved. At this point, the first approval node may generate and add an approval failure flag (e.g., a negative approval flag) to the target application request.

In some embodiments, the first approval node may further generate a corresponding approval opinion according to a specific approval condition in the process of performing the preset approval processing according to the above manner; and the auditing opinions carry the node identification of the first auditing node. The first approval node can store the approval opinions in an online database, so that inquiry and reference of subsequent processing are facilitated.

In some embodiments, the server may detect whether the target application request carries a flag added by the first approval node according to the target approval rule. In the case that the upper mark is determined to be carried, it may be determined that the first approval node has completed a preset approval process for the target service. And the server can determine the next approval node after the first approval node, for example, the second approval node, according to the target approval rule. And then sending the target application request to a second approval node for preset approval processing. According to the mode, by analogy, the server can sequentially send the target application requests to the corresponding examination and approval nodes one by one according to the target examination and approval rule to carry out preset examination and approval processing.

In some embodiments, the sending of the target application request to the corresponding approval node for performing the preset approval process according to the target approval rule may include the following steps:

s1: acquiring an approval mark carried by a target application request at present; under the condition that the approval node determines that the approval of the target service is passed, adding an approval passing mark containing a node identifier of the approval node on the target application request;

s2: extracting node identification from the approval mark;

s3: determining a current approval node according to the target approval rule and the node identification;

s4: and sending the target application request to a current approval node for preset approval processing.

The examination and approval mark specifically comprises an examination and approval passing mark and/or an examination and approval failing mark. And under the condition that the approval node determines that the approval of the target service is not passed, adding an approval failure mark containing the node identification of the approval node to the target application request.

Through the embodiment, the server can sequentially send the target application requests to the corresponding approval nodes according to the target approval rule to carry out preset approval processing.

In some embodiments, the server may detect whether the number of the approval marks carried in the target application request meets the number requirement according to the target approval rule; in the event that it is determined that the quantity requirement is met, an end of the approval for the target service may be determined. Meanwhile, the examination and approval mark carried by the target application request can be obtained to be used as the examination and approval result of the examination and approval node.

In some embodiments, the obtaining and determining whether the target service meets the preset service handling condition according to the approval result of the approval node may include the following steps:

s1: obtaining an approval mark carried by a target application request as an approval result of an approval node;

s2: and according to the target approval rule, determining whether the target service meets the preset service handling condition by detecting whether the number of the approval passing marks in the approval result is equal to the preset number value.

In some embodiments, in specific implementation, the number of the approval passing marks may be counted according to the approval result; and comparing the number of the approval pass marks with a preset number value. And when the number of the approval pass marks is equal to the preset number value, determining that the target service meets the preset service handling condition. And on the contrary, the target service is determined not to meet the preset service handling condition.

The preset quantity value is determined according to a target approval rule. Specifically, the preset quantity value may be the total number of the approval nodes in the target approval rule.

In some embodiments, the determining, according to the target approval rule, whether the target service meets a preset service handling condition by detecting whether the number of approval pass flags in the approval result is equal to a preset number value may include: and under the condition that the number of the approval passing marks in the approval result is equal to a preset number value, determining that the target service meets the preset service handling condition.

In some embodiments, in a case that it is determined that the target service meets the preset service handling condition, the performing target data processing on the target service may include the following steps:

s1: inquiring an online database according to the target identification to obtain a money order related to the target service;

s2: determining matched fund data according to the draft and a preset cash-out rule;

s3: and issuing the fund data to the user.

Through the embodiment, the server can complete the transaction of the target service for the user in time and efficiently under the condition of determining that the target service is approved, so that the use experience of the user is improved.

In some embodiments, in the case that it is determined that the target service does not satisfy the preset service transaction condition, the method further includes: extracting an approval failure mark according to the approval result; acquiring a node identifier of a negative examination and approval node according to the examination and approval failure mark; and interacting with the negative examination and approval nodes according to the node identification of the negative examination and approval node to obtain the reason that the examination and approval provided by the negative examination and approval node is not passed.

The server can generate prompt information that the target service approval fails. And the prompting message is presented to the user through the terminal equipment. Meanwhile, the server can also show the reason of failure of examination and approval to the user through the terminal, so that the user can conveniently modify and adjust the business in a targeted manner to meet the preset business handling conditions.

As can be seen from the above, based on the data processing method for a target service provided in the embodiments of the present specification, a user may initiate a target application request for the target service online through a terminal device, and upload service data and associated files related to the target service; wherein the target application request carries a target identifier; the server responds to the target application request, firstly stores the service data and the associated file in an online database, and establishes a corresponding relation between the service data and the associated file and the target identifier, so that the service data and the associated file can be efficiently and conveniently searched and traced on line in the subsequent data processing process; then the server can determine a target approval rule matched with the target service, and according to the target approval rule and the specific approval condition, the server sends a target application request to a corresponding approval node to carry out correspondingly preset approval processing; then the server can obtain and determine whether the target service meets the preset service handling conditions according to the approval result of the approval node; and processing related target data under the condition of determining that the preset service handling condition is met. Therefore, the data processing flow of the target service can be effectively simplified, the data processing efficiency of the target service is improved, a user can efficiently and conveniently complete the application and the handling of the target service on line, and the use experience of the user is improved.

Referring to fig. 2, an embodiment of the present disclosure further provides a data processing method for a target service, which is applied to an approval node. When the method is implemented, the following contents can be included:

s201: receiving a target application request related to a target service, and acquiring a target identifier carried by the target application request;

s202: inquiring an online database according to the target identification to acquire service data and associated files related to the target service;

s203: determining a target approval rule matched with the target service;

s204: and according to a target approval rule, performing preset approval processing on the target service by using the service data and the associated file.

Through the embodiment, the approval node can conveniently inquire and utilize the service data and the associated file related to the target service to carry out preset approval processing on the target service.

In some embodiments, the preset approval process includes at least: and the examination and approval processes such as the examination and approval of the money order and the examination and approval of the credit investigation of the user are carried out.

In some embodiments, after performing preset approval processing on the target service by using the service data and the associated file according to the target approval rule, when the method is implemented, the following may be further included:

On the contrary, under the condition that the target service is determined to be approved, an approval failure mark containing the node identification of the approval node can be generated; and adding the approval failure mark to the target application request.

In some embodiments, before performing preset approval processing on the target service by using the service data and the associated file according to the target approval rule, when the method is implemented, the following may be further included:

s1: acquiring an approval mark carried by a target application request at present;

s2: extracting node identification from the approval mark;

s3: and determining whether preset approval processing is currently performed on the target service or not according to the target approval rule and the node identifier.

In some embodiments, the approval mark may specifically include an approval pass mark and an approval failure mark.

In some embodiments, in specific implementation, the approval node may further determine an approval sequence of the approval node according to the target approval rule. Correspondingly, the approval node may not perform the preset approval process on the target service for a while when determining that the target application request does not carry the approval mark added by the previous approval node according to the node identifier. On the contrary, when the target application request is determined to carry the approval mark added by the previous approval node, the preset approval processing on the target service can be triggered to be performed in response to the target application request.

Embodiments of the present specification further provide a server, including a processor and a memory for storing processor-executable instructions, where the processor, when implemented, may perform the following steps according to the instructions: receiving a target application request about a target service, service data related to the target service and an associated file, which are initiated by a user through terminal equipment; wherein, the target application request at least carries a target identifier; responding to the target application request, storing the service data and the associated file in an online database, and establishing a corresponding relation between the service data and the associated file and a target identifier; determining a target approval rule matched with the target service; according to the target approval rule, sending the target application request to a corresponding approval node for preset approval processing; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule; acquiring and determining whether the target service meets preset service handling conditions according to the approval result of the approval node; and under the condition that the target service is determined to meet the preset service handling conditions, processing target data related to the target service.

In order to more accurately complete the above instructions, referring to fig. 3, another specific server is provided in the embodiments of the present specification, wherein the server includes a network communication port 301, a processor 302, and a memory 303, and the above structures are connected by an internal cable, so that the structures may perform specific data interaction.

The network communication port 301 may be specifically configured to receive a target application request, which is initiated by a user through a terminal device and related to a target service, and service data and an associated file related to the target service; wherein, the target application request at least carries a target identifier.

The processor 302 may be specifically configured to respond to the target application request, store the service data and the associated file in an online database, and establish a correspondence between the service data and the associated file and a target identifier; determining a target approval rule matched with the target service; according to the target approval rule, sending the target application request to a corresponding approval node for preset approval processing; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule; acquiring and determining whether the target service meets preset service handling conditions according to the approval result of the approval node; and under the condition that the target service is determined to meet the preset service handling conditions, processing target data related to the target service.

The memory 303 may be specifically configured to store a corresponding instruction program.

In this embodiment, the network communication port 301 may be a virtual port that is bound to different communication protocols, so that different data can be sent or received. For example, the network communication port may be a port responsible for web data communication, a port responsible for FTP data communication, or a port responsible for mail data communication. In addition, the network communication port can also be a communication interface or a communication chip of an entity. For example, it may be a wireless mobile network communication chip, such as GSM, CDMA, etc.; it can also be a Wifi chip; it may also be a bluetooth chip.

In this embodiment, the processor 302 may be implemented in any suitable manner. For example, the processor may take the form of, for example, a microprocessor or processor and a computer-readable medium that stores computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, an embedded microcontroller, and so forth. The description is not intended to be limiting.

In this embodiment, the memory 303 may include multiple layers, and in a digital system, the memory may be any memory as long as binary data can be stored; in an integrated circuit, a circuit without a physical form and with a storage function is also called a memory, such as a RAM, a FIFO and the like; in the system, the storage device in physical form is also called a memory, such as a memory bank, a TF card and the like.

An embodiment of the present specification further provides a computer storage medium of a data processing method based on the above target service, where the computer storage medium stores computer program instructions, and when the computer program instructions are executed, the computer storage medium implements: receiving a target application request about a target service, service data related to the target service and an associated file, which are initiated by a user through terminal equipment; wherein, the target application request at least carries a target identifier; responding to the target application request, storing the service data and the associated file in an online database, and establishing a corresponding relation between the service data and the associated file and a target identifier; determining a target approval rule matched with the target service; according to the target approval rule, sending the target application request to a corresponding approval node for preset approval processing; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule; acquiring and determining whether the target service meets preset service handling conditions according to the approval result of the approval node; and under the condition that the target service is determined to meet the preset service handling conditions, processing target data related to the target service.

In this embodiment, the storage medium includes, but is not limited to, a Random Access Memory (RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard Disk Drive (HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.

In this embodiment, the functions and effects specifically realized by the program instructions stored in the computer storage medium can be explained by comparing with other embodiments, and are not described herein again.

Referring to fig. 4, in a software layer, an embodiment of the present specification further provides a data processing apparatus for a target service, where the apparatus may specifically include the following structural modules:

the receiving module 401 may be specifically configured to receive a target application request, which is initiated by a user through a terminal device and related to a target service, and service data and an associated file related to the target service; wherein, the target application request at least carries a target identifier;

a storing module 402, configured to respond to the target application request, store the service data and the associated file in an online database, and establish a correspondence between the service data and the associated file and a target identifier;

a first determining module 403, specifically configured to determine a target approval rule matching the target service;

the approval module 404 may be specifically configured to send the target application request to a corresponding approval node for performing preset approval processing according to the target approval rule; the approval node inquires an on-line database according to the target identification to acquire service data and associated files related to the target service; the approval node also performs preset approval processing on the target service by using the service data and the associated file according to the target approval rule;

the second determining module 405 may be specifically configured to obtain and determine whether the target service meets a preset service handling condition according to the approval result of the approval node;

the processing module 406 may be specifically configured to perform target data processing on the target service when it is determined that the target service meets the preset service handling condition.

It should be noted that, the units, devices, modules, etc. illustrated in the above embodiments may be implemented by a computer chip or an entity, or implemented by a product with certain functions. For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. It is to be understood that, in implementing the present specification, functions of each module may be implemented in one or more pieces of software and/or hardware, or a module that implements the same function may be implemented by a combination of a plurality of sub-modules or sub-units, or the like. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components 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 units, and may be in an electrical, mechanical or other form.

Therefore, the data processing device for the target service, provided by the embodiment of the specification, can effectively simplify the data processing flow of the target service, improve the data processing efficiency of the target service, enable a user to efficiently and conveniently complete the application and handling of the target service on line, and improve the use experience of the user.

In a specific scenario example, the data processing method of the target service provided by the embodiment of the present specification may be applied to implement processing of an online banking service of a banking enterprise.

In the present scenario example, when a cash-out service related to a commercial draft is currently performed, it is desirable to optimize the flow of the past cash-out service, and support the online submission of trade background information, cash-out service application, customer identification material, and credit investigation authorization to the inline system by the customer. In addition, the inline system is expected to be additionally provided with a function of inquiring the credit investigation condition of the client, so that the interaction with the credit investigation component is realized in a commercial draft posting function menu, and the acceptance efficiency of the acceptance posting service is improved; the method supports that each approval node can check the business application and trade background information submitted by the client and the client credit investigation condition generated in the cash component, and further enhances the credit risk and operation risk prevention capability; and for the relevant materials of the customers, the system can provide a query backtracking function, provide a reliable information source for subsequent supervision and audit, and provide convenience conditions for management and analysis users.

Based on the above requirements, the overall process flow can be shown in fig. 5. In the complete E-discount business process, an enterprise client uploads relevant business data and submits a discount application (corresponding to a user initiating a target application request about a target business through a terminal device, and business data and associated files related to the target business) at a platform end (terminal device), and an Electronic Commerce Draft System (ECDS) forwards the discount application to the discount system.

Based on the cash-out system, the processing flows of material receiving, application initiating, credit investigation and application approval and the like aiming at the cash-out application can be triggered (corresponding to that the target application request is sent to the corresponding approval node for preset approval processing according to the target approval rule). And after the approval is passed, the payment approval sign-in can be triggered (whether the target service meets the preset service handling conditions is determined correspondingly to the acquisition and according to the approval result of the approval node, and the target data processing about the target service is carried out under the condition that the preset service handling conditions are met). In the process, when an enterprise client manager initiates a service declaration, the system can check related data online and inquire enterprise credit investigation conditions; after the bill is bought into the warehouse for storage, the account and the related balance of the E posting business can be inquired in the account and balance menu.

Referring to fig. 5, generally, the application for the discount will be first audited by the enterprise client supervisor, and the application for the discount will be first uploaded to the e-ticket system after the audit is passed; and the electronic ticket system forwards the cash-out application to the cash-out system. Accordingly, the posting system can receive the posting application and the related application material (corresponding to the receiving user initiating a target application request about the target service through the terminal device, and the service data and the associated file related to the target service). And further triggering application initiation in the current application system to perform subsequent data processing. In specific implementation, for the receiving process of the enterprise application material, the business process of the enterprise for initiating the application at the supply chain platform is roughly as follows: the enterprise bill making post is responsible for selecting one or more bills to make bills and signing or uploading related application materials at the same time. And finishing a cash application after the bill making post submits the audit of the main pipe. The enterprise submits a cash-out application on the supply chain platform, signs or uploads a piece of application material and sends the application material to the cash-out component. The application materials comprise: service application, customer identification materials, credit investigation and authorization. And generating a unique service application number by one-time application, and transmitting the application number (corresponding to the target identifier) to the application component when the platform sends application materials and forwards the application materials to the application system through the electronic ticket system.

Because each bill is accompanied with a service application number when the electronic bill system forwards the current application, the application numbers of the bills in one current application are the same. Therefore, the cash registering system can further associate the bill with the corresponding service application data (corresponding to the establishment of the corresponding relationship between the service data and the associated file and the target identifier), thereby realizing the subsequent operations of checking and downloading on an application data line during application and review, on-line inquiry of the credit investigation condition of the applicant and the like.

For the enterprise trade background information receiving process, the enterprise application bill application is required to provide real trade background information, wherein one trade background information comprises one contract and one to multiple invoice information. The enterprise bill making post selects one or more bills, uploads trade background data in a compressed package mode, and uploads a contract number to the posting system. Generally speaking, the trade background information is in many-to-many relationship with the bill and in many-to-one relationship with the service application number. Establishing the corresponding relation between the application number and the trade background information

After receiving the trade background information, the cash-out system establishes the relation between the application number and the trade background information and the relation between the trade background information and the bill. In the posting business process, a function of downloading one or more trade background data related to the ticket number is provided.

The online query of the enterprise credit investigation condition comprises the following steps: the credit investigation inquiry data uploading and the credit investigation inquiring. In particular, as shown in fig. 6.

Specifically, for uploading credit investigation data, when a customer manager inquires the credit investigation condition of the customer in a paste-up business process, the paste-up system carries out first interaction on an in-line credit system and uploads credit investigation authorization data to the in-line credit system, wherein the credit investigation authorization data comprises: credit investigation authorization, service application, customer identification materials (business license and legal identity card). The in-line credit investigation system receives the data and then transmits the generated uniform authorization library code back to the cash system, so that the credit investigation data is successfully uploaded (corresponding to generating a first query request according to user identification materials, user credit investigation authorization books and the like and sending the first query request to the in-line credit investigation system, the in-line credit investigation system receives and responds to the first query request, verifies the user identification materials, the user credit investigation authorization books and the like carried by the first query request, and generates and feeds back the uniform authorization library code corresponding to the target service under the condition of passing the verification.

For credit investigation, the cash system successfully receives the uniform authorization library code and then interacts with the in-line credit investigation component to inquire the client credit investigation condition for the second time, and the interaction is linked with the external credit investigation system to inquire. The cash registering system sends the uniform authorization library code to an in-line credit investigation system to trigger credit investigation operation, an in-line credit investigation component is linked with an external credit investigation system to perform real-time inquiry, and finally, a credit report of a second generation of a human enterprise is returned to the cash registering system in an XML format file (corresponding to the generation of a second inquiry request, wherein the second inquiry request carries the uniform authorization library code and identity information of a user, the second inquiry request is sent to the external credit investigation system through the internal credit investigation system, the external credit investigation system receives and responds to the second inquiry request, authenticity verification is performed on the uniform authorization library code carried by the second inquiry request, and in the case of passing the verification, credit investigation inquiry is performed according to the identity information of the user carried by the second inquiry request to obtain a credit investigation report aiming at the user, and the credit investigation report is fed back through the internal credit investigation system, a cash registering system analysis file is displayed at an in-line client, this completes the whole credit investigation operation.

Through the above scenario example, it is verified that the data processing method of the target service provided in the embodiment of the present specification can obtain an efficient enterprise application data uploading mechanism, and specifically, an enterprise client submits application data including a service application, a credit investigation certificate, a client identification material, and a trade background data on line. The system provides reasonable storage structure and presentation form for the data. The method can also obtain a convenient enterprise credit investigation condition inquiry method, particularly supports a client manager to inquire enterprise credit investigation in a service initiating process, flexibly embeds a credit investigation function into a service process, and provides a check entry for each approval node user. Therefore, the existing posting business process can be optimized, and the online submission of trade background information, posting business application books, client identification materials and credit investigation authorization books to the inline system is supported. The inline system is additionally provided with a function of inquiring the credit investigation condition of the client, and the interaction with the credit investigation component is realized in the commercial draft posting function menu, so that the acceptance efficiency of the posting service is improved. Each approval node can check the business application document submitted by the client, the trade background information and the client credit investigation condition generated in the cash-out component, and further enhance the credit risk and operation risk prevention capability. For the relevant materials of the customers, the system provides a query backtracking function, provides a reliable information source for subsequent supervision and audit, and provides convenient conditions for management and analysis users.

Although the present specification provides method steps as described in the examples or flowcharts, additional or fewer steps may be included based on conventional or non-inventive means. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an apparatus or client product in practice executes, it may execute sequentially or in parallel (e.g., in a parallel processor or multithreaded processing environment, or even in a distributed data processing environment) according to the embodiments or methods shown in the figures. The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. The terms first, second, etc. are used to denote names, but not any particular order.

Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may therefore be considered as a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, classes, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

From the above description of the embodiments, it is clear to those skilled in the art that the present specification can be implemented by software plus necessary general hardware platform. With this understanding, the technical solutions in the present specification may be essentially embodied in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a mobile terminal, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments in the present specification.

The embodiments in the present specification are described in a progressive manner, and the same or similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. The description is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.

While the specification has been described with examples, those skilled in the art will appreciate that there are numerous variations and permutations of the specification that do not depart from the spirit of the specification, and it is intended that the appended claims include such variations and modifications that do not depart from the spirit of the specification.

Claims

1. A data processing method of a target service is applied to a server, and is characterized by comprising the following steps:

determining a target approval rule matched with the target service;

2. The method of claim 1, wherein the target service comprises a money order posting service.

3. The method of claim 2, wherein in the case where the target service comprises a money order posting service, the service data comprises money orders; the associated file comprises: trade background information, user identification materials and user credit investigation authorization books.

4. The method of claim 3, wherein the trade background material comprises a contract document, an invoice receipt associated with the money order.

5. The method according to claim 2, wherein sending the target application request to a corresponding approval node for a predetermined approval process according to the target approval rule comprises:

extracting node identification from the approval mark;

6. The method of claim 5, wherein obtaining and determining whether the target service meets a preset service handling condition according to the approval result of the approval node comprises:

7. The method of claim 6, wherein determining whether the target service meets a preset service handling condition by detecting whether the number of approval pass flags in the approval result is equal to a preset number value according to the target approval rule comprises:

8. The method according to claim 6, wherein in the case that the target service is determined to meet the preset service transaction condition, the performing the target data processing on the target service comprises:

and issuing the fund data to the user.

9. The method according to claim 2, characterized in that said preset approval process comprises at least: the checking and approval of the money order and the checking and approval of the credit investigation of the user.

10. A data processing method of a target service is applied to an approval node and is characterized by comprising the following steps:

determining a target approval rule matched with the target service;

11. The method according to claim 10, wherein after performing a preset approval process on the target service according to the target approval rule by using the service data and the associated file, the method further comprises:

12. The method according to claim 10, wherein before performing the preset approval process on the target service by using the service data and the associated file according to the target approval rule, the method further comprises:

acquiring an approval mark carried by a target application request at present;

extracting node identification from the approval mark;

13. A data processing apparatus for a target service, comprising:

14. A server comprising a processor and a memory for storing processor-executable instructions which, when executed by the processor, implement the steps of the method of any one of claims 1 to 9.

15. A computer-readable storage medium having stored thereon computer instructions which, when executed, implement the steps of the method of any one of claims 1 to 9.