CN115689737A - Service processing method and device, electronic equipment and storage medium - Google Patents

Abstract

The disclosure provides a service processing method, a service processing device, an electronic device, a readable storage medium and a program product. Can be used in the fields of financial science and technology or other technical fields such as computers and the like. The service processing method comprises the following steps: responding to the transaction operation of at least one service type of the target user aiming at the transaction converted object, and obtaining a first service record table related to the transaction converted object; under the condition that at least one service type is determined to comprise a first preset service type, responding to the transfer operation of transferring the transaction resource corresponding to the first preset service type to a target user, and obtaining a second service record table related to the transaction resource; and generating a target service record table about the target user based on the first service record table and the second service record table.

Description

Service processing method and device, electronic equipment and storage medium

Technical Field

The present disclosure relates to the field of financial technology or other technologies such as computers, and more particularly, to a method and an apparatus for processing a service, an electronic device, a readable storage medium, and a program product.

Background

With the rapid development of internet finance, the self-upgrading capability of internet finance business is also improved. Internet financial services encompass not only a single transaction, but a multitude of financial products and services including credit, exchange, payment, insurance, financing, and money transfers. In the aspects of platform compliance and product diversification, the Internet financial service has vitality.

In implementing the disclosed concept, the inventors found that there are at least the following problems in the related art: the transaction risk of directly utilizing transaction resources to perform transaction operation is large, the mode of providing financial business service for target groups by adopting internet equipment is single, and the performance pressure of a financial system is difficult to disperse well.

Disclosure of Invention

In view of the above, the present disclosure provides a service processing method, device, electronic device, readable storage medium and program product.

One aspect of the present disclosure provides a service processing method, including:

responding to the transaction operation of at least one service type performed by the target user for the transaction converted material, recording at least one first service data and at least one service type related to the transaction converted material, and obtaining a first service record table related to the transaction converted material;

under the condition that at least one service type is determined to comprise a first preset service type, in response to the transfer operation of transferring the transaction resource object corresponding to the first preset service type to the target user, recording second service data related to the transaction resource object and the first preset service type, and obtaining a second service record table related to the transaction resource object; and

and generating a target service record table related to the target user based on the first service record table and the second service record table.

According to an embodiment of the present disclosure, the generating a target service record table about the target user based on the first service record table and the second service record table includes:

determining first target business record data from the first business record table based on business processing time, wherein the first target business record data comprise respective first business identification information of at least one first financial business service related to the transaction converted article;

determining second target business record data from the second business record table based on the business processing time, wherein the second target business record data comprise second business identification information of at least one second financial business service related to the transaction resource;

and generating the target business record table of the target user based on the checking relationship between the first target business record data and the second target business record data.

According to an embodiment of the present disclosure, the above-mentioned responding to the target user performing at least one transaction operation of a service type for a transaction exchange, recording at least one first service data and at least one service type related to the transaction exchange, and obtaining a first service record table related to the transaction exchange, includes:

receiving first warehouse-out data related to the transaction converted goods under the condition that the financial business service is provided for the target user through the target service mode, wherein the first warehouse-out data comprises the warehouse-out quantity of the transaction converted goods;

in response to the target user performing at least one transaction operation of a business type on the transaction converted object, determining at least one first business data and at least one first business type related to the transaction converted object, wherein at least one first business data and at least one first business type are in one-to-one correspondence;

receiving first warehousing data related to the transaction converted goods, wherein the first warehousing data comprises warehousing quantities of the transaction converted goods; and

and obtaining the first business record table related to the transaction converted goods based on the first warehouse-out data, at least one first business type and the first warehouse-in data.

According to an embodiment of the present disclosure, in a case that it is determined that the at least one service type includes a first predetermined service type, in response to a transfer operation of transferring a transaction resource corresponding to the first predetermined service type to the target user, recording second service data about the transaction resource and the first predetermined service type, and obtaining a second service record table about the transaction resource, the method includes:

receiving second shipment data associated with the transaction resource upon determining that at least one of the transaction types includes the first predetermined transaction type, wherein the second shipment data includes a quantity of the shipment of the transaction resource;

in response to a transfer operation of transferring the transaction resource corresponding to the first predetermined service type to the target user, determining the second service data and the second service type related to the transaction resource;

receiving second warehousing data related to the trading resource, wherein the second warehousing data comprises the warehousing number of the trading resource; and

and obtaining the second service record table about the transaction resource based on the second warehouse-out data, the second service type and the second warehouse-in data.

According to the embodiment of the present disclosure, the service processing method further includes:

and in the case that at least one service type is determined to comprise the first preset service type, updating the service data of the target user in the database about the transaction resource based on the second service data.

According to the embodiment of the present disclosure, the service processing method further includes:

linking to a predetermined service interface in case it is determined that at least one of said first service types comprises a second predetermined service type;

sending the service request matched with the second preset service type to a target service server through the preset service interface so that the target service server responds to the service request matched with the second preset service type and executes service transaction operation matched with the second preset service type; and

and updating the business data of the target user about the transaction resource materials in the database based on the business request which is consistent with the second preset business type in response to the received feedback information from the target business server.

According to an embodiment of the present disclosure, the service processing method further includes, after the generating a target service record table about the target user based on the first service record table and the second service record table:

determining first target service data from the first service record table and second target service data from the second service record table based on the target service record table of the target user;

and determining a business processing result based on the first target business data, the second target business data and the business data of the target user about the transaction resource object in the database, wherein the business processing result is used for representing the accuracy of processing the financial business service.

According to an embodiment of the present disclosure, the above-mentioned service processing method further includes, before the step of recording at least one first service data and at least one service type about the transaction exchange in response to the target user performing a transaction operation of at least one service type for the transaction exchange, and obtaining a first service record table about the transaction exchange:

responding to a financial service request received from the user, and sending authentication information to the user;

in response to receiving the identification information from the user for the authentication information, matching the identification information with the identification record information of the user to obtain a matching result; and

and taking the user as the target user when the matching result is used for representing that the identification information is the same as the identification record information.

Another aspect of the present disclosure provides a service processing apparatus, including:

the first recording module is used for responding to the transaction operation of the target user on at least one service type aiming at the transaction converted material, recording at least one first service data and at least one service type related to the transaction converted material, and obtaining a first service recording table related to the transaction converted material;

a second recording module, configured to, in response to a transfer operation of transferring a transaction resource object corresponding to a first predetermined service type to the target user when it is determined that at least one of the service types includes the first predetermined service type, record second service data related to the transaction resource object and the first predetermined service type, and obtain a second service record table related to the transaction resource object; and

and a third recording module, configured to generate a target service record table related to the target user based on the first service record table and the second service record table.

Another aspect of the present disclosure provides an electronic device including: one or more processors; a memory for storing one or more instructions, wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement the method as described above.

Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, cause the processor to implement the method as described above.

Another aspect of the disclosure provides a computer program product comprising computer executable instructions for implementing the method as described above when executed.

According to the embodiment of the disclosure, as the method and the system are adopted, in response to the target user performing the transaction operation of at least one service type on the transaction converted material, at least one first service data and at least one service type related to the transaction converted material are recorded, and a first service record table related to the transaction converted material is obtained; under the condition that at least one service type is determined to comprise a first preset service type, in response to the transfer operation of transferring the transaction resource object corresponding to the first preset service type to the target user, recording second service data related to the transaction resource object and the first preset service type, and obtaining a second service record table related to the transaction resource object; and a technical means of generating a target business record table related to the target user based on the first business record table and the second business record table is adopted, and transaction operation is performed on the target user through transaction converted goods, so that the risk of leaving a cabinet of transaction resource goods is reduced to the greatest extent, and the performance pressure on a financial system is reduced. Furthermore, a target business record table of a target user is finally generated by recording a first business record table about the transaction converted matter and a second business record table about the transaction resource matter, so that a closed-loop management account checking mechanism of real-time accounting and real-time account checking can be ensured, and the accuracy and the effectiveness of the transaction are improved.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an exemplary system architecture to which the traffic processing method and apparatus of the present disclosure may be applied;

FIG. 2 schematically illustrates a flow diagram of a business process method according to an embodiment of the disclosure;

FIG. 3 schematically shows an interaction diagram of a traffic handling method according to an embodiment of the present disclosure;

fig. 4 schematically shows a block diagram of a traffic processing device according to an embodiment of the present disclosure; and

FIG. 5 schematically illustrates a block diagram of a computer system suitable for implementing a business process method in accordance with an embodiment of the disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B, and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B, and C" would include but not be limited to systems that have A alone, B alone, C alone, A and B together, A and C together, B and C together, and/or A, B, and C together, etc.). Where a convention analogous to "at least one of A, B, or C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B, or C" would include but not be limited to systems that have A alone, B alone, C alone, A and B together, A and C together, B and C together, and/or A, B, and C together, etc.).

The embodiment of the disclosure provides a service processing method. The method comprises the following steps: responding to a transaction operation of a target user for at least one service type of a transaction converted article, recording at least one first service data and at least one service type related to the transaction converted article, and obtaining a first service record table related to the transaction converted article; under the condition that at least one service type is determined to comprise a first preset service type, in response to the transfer operation of transferring the transaction resource object corresponding to the first preset service type to the target user, recording second service data related to the transaction resource object and the first preset service type, and obtaining a second service record table related to the transaction resource object; and generating a target business record table about the target user based on the first business record table and the second business record table.

Taking the traditional service mode of financial business as an example, in the case that the target user is an old person or a disabled person, the target user has inconvenience in going to a website, or has the problem of being unknown and insensitive to electronic equipment such as a smart phone and an electronic financial business service platform such as a mobile banking and the like. Traditional service modes such as website counter service, electronic financial service and the like cannot provide great convenience for target users.

According to the embodiment of the disclosure, for the target user, the financial business service can be provided for the target user according to a target service mode, such as a financial business personnel door-to-door service mode, based on a financial business request, such as a door-to-door service request of the target user.

According to the embodiment of the disclosure, the transaction operation is performed on the target user through the transaction exchange material, so that the counter leaving amount of the transaction resource material is reduced, the counter leaving risk of the transaction resource material is reduced to the maximum extent, and the performance pressure on a financial system is reduced. Furthermore, a target business record table of a target user is finally generated by recording a first business record table about transaction converted matters and a second business record table about transaction resource matters, so that a closed-loop management account checking mechanism of real-time account keeping and account real account checking can be ensured, and the accuracy and the effectiveness of transactions are improved.

It should be noted that the disclosed service processing method and apparatus may be used in the field of transaction security management in the financial field, the field of electronic financial service, and the like, and may also be used in any field other than the financial field.

In the technical scheme of the disclosure, the collection, storage, use, processing, transmission, provision, disclosure, application and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated.

In the technical scheme of the disclosure, before the personal information of the user is obtained or collected, the authorization or the consent of the user is obtained.

Fig. 1 schematically shows an exemplary system architecture 100 to which the business processing method may be applied, according to an embodiment of the present disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, a system architecture 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the terminal devices 101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired and/or wireless communication links, and so forth.

The user may use the terminal devices 101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The terminal devices 101, 102, 103 may have installed thereon various communication client applications, such as a shopping-like application, a web browser application, a search-like application, an instant messaging tool, a mailbox client, and/or social platform software, etc. (by way of example only).

The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the terminal devices 101, 102, 103. The backend management server may analyze and process the received data such as the user request, and feed back a processing result (for example, a web page, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the service processing method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the service processing device provided by the embodiment of the present disclosure may be generally disposed in the server 105. The service processing method provided by the embodiment of the present disclosure may also be executed by a server or a server cluster that is different from the server 105 and is capable of communicating with the terminal devices 101, 102, 103 and/or the server 105. Correspondingly, the service processing apparatus provided in the embodiment of the present disclosure may also be disposed in a server or a server cluster that is different from the server 105 and is capable of communicating with the terminal devices 101, 102, and 103 and/or the server 105.

For example, the target user sends a financial service request to the server by using the terminal device, and then the server may locally execute the service processing method provided by the embodiment of the disclosure, or send the financial service request to another server or a server cluster, and execute the service processing method provided by the embodiment of the disclosure by the other server or the server cluster receiving the financial service request.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

It should be noted that, unless explicitly stated that a sequence of execution exists between different operations or a sequence of execution exists in technical implementation of different operations, an execution sequence between multiple operations may not be sequential, and multiple operations may also be executed at the same time in the flowchart in the embodiment of the present disclosure.

Fig. 2 schematically shows a flow chart of a traffic processing method according to an embodiment of the present disclosure.

As shown in fig. 2, the method includes operations S201 to S203.

In the operation S201 of the present invention,

in response to the target user performing at least one business type of transaction operation on the transaction converted material, at least one first business data and at least one business type related to the transaction converted material are recorded, and a first business record table related to the transaction converted material is obtained.

In operation S202, in case that it is determined that the at least one service type includes a first predetermined service type, in response to a transfer operation of transferring a transaction resource item corresponding to the first predetermined service type to a target user, second service data regarding the transaction resource item and the first predetermined service type are recorded, resulting in a second service record table regarding the transaction resource item.

In operation S203, a target service record table about a target user is generated based on the first service record table and the second service record table.

According to an embodiment of the present disclosure, a target user may refer to a user who makes a financial transaction request. For example, the target user may be a user having the following characteristics: the system has the advantages of having periodic transaction resource generation or circulation and the like, being inconvenient for electronic equipment such as a smart phone, being unknown to an electronic banking and financial business service platform such as a mobile phone bank and being inconvenient for traveling and the like.

According to an embodiment of the present disclosure, the target user may also have the following features: compared with a digital value, the perception degree of the real object is higher. In the case of generating periodic transaction resources, such as, for example, obtaining retirement funds, the target user will typically have a large demand for financial services, such as cash withdrawal, transfer, purchase of financial products, and the like. Aiming at the Mao die old man who cannot go to the website due to the inconvenience of going out, the target user group has the need of the financial service from the cabinet.

According to an embodiment of the disclosure, the transaction redemption may refer to an item that is approved by the target user but does not have currency, for example, a paper or metal product with an identification that does not have currency.

According to an embodiment of the present disclosure, a transaction resource may refer to an article that is approved by a target user and has currency, for example, a paper with a currency mark or a metal product.

According to the embodiment of the disclosure, in the case of providing financial business services to a target user in a target service manner, a transaction operation of at least one business type may be first performed with the target user using a transaction exchange approved by the target user. In the case of a business operation involving a first predetermined business type requiring the transfer of a transaction asset to a target user, the transaction operation is performed using the transaction asset with currency. Thereby reducing the risk of the transaction resources leaving the cabinet to the maximum extent.

According to the embodiment of the disclosure, in response to a target user performing a transaction operation of at least one service type on a transaction exchange, at least one first service data and at least one service type related to the transaction exchange are recorded, and a first service record table related to the transaction exchange is obtained. In the case that at least one service type is determined to comprise a first preset service type, in response to the transfer operation of transferring the transaction resource object corresponding to the first preset service type to the target user, second service data about the transaction resource object and the first preset service type are recorded, and a second service record table about the transaction resource object is obtained.

According to embodiments of the present disclosure, the at least one transaction type may be a universally nested derivative financial transaction type, such as one or more of a periodic transaction type, a fund purchase transaction type, and a transfer transaction type. The first predetermined service type may be a service type such as a cash withdrawal.

According to the embodiment of the disclosure, in the case that it is determined that the at least one service type does not include the first predetermined service type, that is, the transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user cannot occur, the second service data about the transaction resource object may not be recorded.

According to the embodiment of the disclosure, transaction operation is performed on the target user through the transaction exchange object, so that the counter leaving amount of the transaction resource object is reduced, the counter leaving risk of the transaction resource object is reduced to the maximum extent, and the performance pressure on a financial system is reduced. Furthermore, a target business record table of a target user is finally generated by recording a first business record table about the transaction converted matter and a second business record table about the transaction resource matter, so that a closed-loop management account checking mechanism of real-time accounting and real-time account checking can be ensured, and the accuracy and the effectiveness of the transaction are improved.

The method of fig. 2 is further described with reference to fig. 3 in conjunction with specific embodiments.

According to an embodiment of the present disclosure, the following operations may be performed before operation S201 as shown in fig. 2.

For example, in response to receiving a financial transaction request from a user, authentication information is sent to the user. And matching the identity identification information with the identity identification record information of the user to obtain a matching result in response to receiving the identity identification information aiming at the identity authentication information from the user. And taking the user as a target user under the condition that the matching result is used for representing that the identity identification information is the same as the identity identification record information.

According to an embodiment of the present disclosure, before performing operation S201 shown in fig. 2 and after the above-described authentication operation of the target user, the following operations may be performed.

For example, in response to the user being a target user, a target service mode required for responding to a financial transaction request is determined. So that operation S201 includes: under the condition that financial business services are provided for a target user according to a target service mode, at least one first business data and at least one business type related to a transaction converted material are recorded in response to the target user performing at least one business type of transaction operation on the transaction converted material, and a first business record table related to the transaction converted material is obtained.

According to an embodiment of the present disclosure, the financial transaction request may refer to an off-cabinet financial transaction service request. For example, in the case of including a request for a financial service with respect to cash withdrawal, transfer, purchase of a financial product, etc., a request for providing a gate-in service is also included. The home service may refer to a service of a target service manner. For example, a door service with respect to a financial direction is provided to a target user.

According to the embodiment of the present disclosure, in the case of providing the financial transaction service to the target user in the target service manner, the financial transaction service that the business person has already held the transaction exchange and the transaction resource to the home of the target user or the location designated by the target user may be referred to.

According to the embodiment of the disclosure, the financial service is provided for the target user according to the target service mode, the financial service requirement of the target user is met, and the stickiness and the retention rate of the target user are improved.

According to the embodiment of the disclosure, the identity of the user can be verified by using the identity recognition and authentication subsystem. The identity recognition and authentication subsystem can comprise an identity recognition module and an identity authentication module.

According to the embodiment of the disclosure, identity verification information can be sent to a user by using an identity identification module in an identity identification and authentication subsystem. And the identity authentication module is used for responding to the identity identification information aiming at the identity verification information from the user, matching the identity identification information with the identity identification record information of the user and obtaining a matching result.

According to the embodiment of the disclosure, the security of the transaction between the financial exchange and the user is ensured by utilizing the firewall and other security passing technologies, IDS security detection technology, SSL security transmission technology, PKI identity authentication technology, public key and private key-based security encryption and decryption technology and biological identification multi-factor detection technology which are already possessed by the internet financial business.

According to the embodiment of the disclosure, the respective information types of the identification information and the identification record information can be consistent, so that the identification can be quickly and accurately verified. The identification information may include one or more of fingerprint, five sense organs, digital certificate, dynamic password, verification code, etc.

According to the embodiment of the disclosure, the identity recognition module can also be used for realizing identity recognition of business personnel providing financial business services for target users in a target service mode by adopting a mature biological recognition mechanism or mature financial media such as card numbers and bankbooks and the like and by means of hardware equipment such as a camera, a fingerprint recognizer, a card reader and the like.

According to the embodiment of the disclosure, the identity authentication module can be used for comparing authentication means or medium information such as a dynamic and static password, a verification code, a digital certificate and the like with stored authentication data to realize identity authentication of service personnel.

According to the embodiment of the disclosure, the identity authentication is carried out on the user and the service personnel by using various modes and means, so that the transaction operation is safer, and the service safety is improved.

According to an embodiment of the present disclosure, for operation S201, in response to a target user performing a transaction operation on a transaction exchange for at least one service type, recording at least one first service data and at least one service type about the transaction exchange, and obtaining a first service record table about the transaction exchange, the following operations may be included.

For example, receiving first warehouse-out data related to the transaction redeem, wherein the first warehouse-out data comprises warehouse-out quantity of the transaction redeem; in response to a target user performing a transaction operation of at least one service type on a transaction exchange, determining at least one first service data and at least one first service type related to the transaction exchange, wherein the at least one first service data corresponds to the at least one first service type I; receiving first warehousing data related to the transaction exchange, wherein the first warehousing data comprises a warehousing number of the transaction exchange; and obtaining a first business record table about the transaction converted goods based on the first warehouse-out data, the at least one first business type and the first warehouse-in data.

According to embodiments of the present disclosure, the first shipment data may be from a transaction redemption shipment management module. And the transaction converted material delivery management module is used for finishing normal delivery of real objects such as transaction converted materials according to the amount of money reserved for the financial service of the off-cabinet by the target user. For example, if the financial business service with the current cash withdrawal and the large amount transfer is reserved, the transaction exchange is delivered according to the highest cash withdrawal amount.

According to the embodiment of the disclosure, the transaction converted material warehouse-out management module comprises a transaction converted material physical warehouse-out unit. The transaction converted object physical delivery unit is used for determining first delivery data of the transaction converted objects, such as delivery types and delivery quantities, according to the amount demands of the off-cabinet financial business services reserved by the target users, and completing determination of the delivery types, such as denominations and delivery quantities, of the transaction converted objects by means of the micro camera and the bar code scanner.

According to an embodiment of the disclosure, first warehouse-out data related to the transaction redeemed items, such as warehouse-out quantity of the transaction redeemed items, sent by the transaction redeemed item warehouse-out management module, can be received.

According to an embodiment of the disclosure, the at least one first transaction data and the at least one first transaction type of the transaction redemption may be determined if the target user has performed a transaction operation of the at least one transaction type for the transaction redemption. The at least one first transaction data and the at least one first transaction type may be recorded with a redeem book accounting unit. The converted matter account book accounting unit is used for recording at least one first service data and at least one first service type according to the actual transaction of the transaction converted matter.

According to embodiments of the present disclosure, the first binned data may be determined with a transaction redemption warehousing management module. The transaction converted item warehousing management module is used for determining the warehousing quantity of the transaction converted items brought back by the service personnel after the service personnel return to the website.

According to an embodiment of the disclosure, the transaction converted material warehousing management module may include a transaction converted material physical warehousing unit. The transaction converted article physical warehousing unit is used for determining warehousing quantity of the transaction converted articles and determining warehousing types, such as denominations, of the transaction converted articles under the assistance of the camera and the scanner.

According to the embodiment of the disclosure, first warehousing data related to the transaction convertible materials, such as the warehousing number of the transaction convertible materials, sent by the transaction convertible material warehousing management module can be received.

According to an embodiment of the disclosure, a first business record table regarding the transaction redemption may be derived based on the first warehouse data, the at least one first business type, and the first warehouse data. The first business record table for the transaction redemption is not limited to the above data. Data such as the location of transaction receipt, the location of transaction occurrence, the time at which the transaction occurred, the identification associated with the transaction redemption can also be included.

Specifically, the transaction acceptance site may be a website number providing the off-cabinet financial service. The transaction occurrence location may be a transaction location where an off-cabinet financial transaction occurs. The identification associated with the transaction redemption may be a transaction redemption shipment transaction serial number.

According to the embodiment of the disclosure, the server executing the business processing method can automatically acquire the first delivery data, the at least one first business type and the first delivery data by interacting with the transaction converted material delivery management module, the transaction converted material delivery management module and the like, so that the generated first business record table is simple and accurate in mode and comprehensive in data.

According to an embodiment of the present disclosure, the first service record table may be as shown in table 1 below. As shown in table 1, the first service record table records related information of the target user, such as a client number of the target user. The target user sends a financial service request for cash withdrawal and transfer to a financial institution, the receiving network point is the 203 network point of Beijing area, and the network point finishes the delivery of the exchanged commodity money according to the amount reserved by the client. The accepting network point, the transaction type, the transaction code (i.e. the service type) and the first warehouse-out data can be recorded into the first service record table. In addition, the serial number range of the transaction converted article, such as DS1000-DS3000, can be recorded in the first business record table. After a business person (such as an off-cabinet transaction applicant) goes to a designated place of a target user, identity identification and authentication can be firstly carried out on the target user, after the authentication is successful, financial transaction service is provided for the target by using a transaction exchange article, and first business data and a business type are recorded into a first business record table. In addition, the remaining transaction converted materials (namely the first warehousing data) which are brought back to the website by the business personnel can be recorded and recorded into the first business record table.

According to an embodiment of the present disclosure, for operation S202 shown in fig. 2, in a case that it is determined that the at least one service type includes a first predetermined service type, in response to a transfer operation of transferring a transaction resource corresponding to the first predetermined service type to a target user, second service data regarding the transaction resource and the first predetermined service type are recorded, and obtaining a second service record table regarding the transaction resource may include the following operations.

For example, in an instance in which it is determined that the at least one traffic type includes a first predetermined traffic type, receiving second warehouse data related to the transaction resource, wherein the second warehouse data includes a warehouse quantity of the transaction resource; in response to a transfer operation of transferring the transaction resource corresponding to the first predetermined service type to the target user, determining second service data and a second service type related to the transaction resource; receiving second warehousing data related to the trading resource, wherein the second warehousing data comprises warehousing quantity of the trading resource; and obtaining a second service record table about the transaction resource based on the second warehouse-out data, the second service type and the second warehouse-in data.

According to an embodiment of the present disclosure, the first predetermined traffic type comprises a cash-out.

According to the embodiment of the disclosure, in the case that at least one service type is determined to comprise a first predetermined service type, the service personnel is required to cash out the transaction resources with the circulation to the target user. I.e., performing a transfer operation that transfers the transaction resource to the target user. The server determines second business data and a second business type related to the transaction resource corresponding to the first predetermined business type in response to having performed a transfer operation of the transaction resource to the target user. On the basis, the server also needs to receive second warehouse-out data related to the transaction resources and second warehouse-in data related to the transaction resources. And obtaining a second business record table related to the transaction resource materials based on the second warehouse-out data, the second business type and the second warehouse-in data.

According to embodiments of the present disclosure, the second shipment data may be determined with a resource redemption shipment management module. The resource exchange article delivery management module is used for finishing normal delivery of real objects such as resource exchange articles according to the amount of money reserved for off-cabinet financial business services by a target user. For example, if the reservation is made for financial business service with a current cash withdrawal and a large amount of money transfer, the resource exchange is delivered according to the highest amount of money of the current cash withdrawal. But is not limited thereto. The resource exchange can be exported according to the difference between the current cash withdrawal and the large deposit receipt.

According to the embodiment of the disclosure, the resource exchange material delivery management module can comprise a resource exchange material physical delivery unit. The resource converted object physical delivery unit is used for determining delivery types and delivery quantities of the resource converted objects by means of the miniature camera and the bar code scanner according to first delivery data of the transaction converted object physical delivery unit.

According to an embodiment of the present disclosure, the server determines second service data and a second service type related to the transaction resource object in response to having performed a transfer operation of the transaction resource object corresponding to the first predetermined service type to the target user. A resource book accounting unit may be utilized to record second business data and a second business type associated with the transaction resource. And the resource account book accounting unit is used for determining second service data and a second service type according to the actual delivery denomination and the number of the resource exchange material physical delivery unit. It will be appreciated that the second traffic type may be the same as the first predetermined traffic type.

According to embodiments of the present disclosure, the second warehousing data may be determined with a resource redemption warehousing management module. The resource converted object warehousing management module is used for determining the warehousing number of the resource converted objects brought back by the business personnel after the business personnel return to the website.

According to the embodiment of the disclosure, the resource exchange material warehousing management module can comprise a resource exchange material physical warehousing unit. The resource converted article real object warehousing unit is used for determining warehousing quantity of the resource converted articles and determining warehousing types of the transaction converted articles under the assistance of the camera and the scanner.

According to an embodiment of the disclosure, the server may receive second warehousing data related to the resource exchange, such as the warehousing number of the resource exchange, sent by the resource exchange warehousing management module.

According to the embodiment of the disclosure, a second service record table about the transaction resource object can be obtained based on the second warehouse-out data, the second service type and the second warehouse-in data. But the second business record table regarding the transaction resource is not limited to the above data. Data such as the location of transaction receipt, the location of transaction occurrence, the time at which the transaction occurred, an identification associated with the transaction resource, etc. may also be included.

Specifically, the transaction acceptance site may be a website number providing the off-cabinet financial service. The transaction occurrence location may be a transaction location where an off-cabinet financial transaction occurs. The identification associated with the transaction asset may be a transaction serial number of the transaction asset out of bin.

According to the embodiment of the disclosure, the server executing the service processing method can automatically acquire the second delivery data, the second service type and the second delivery data by interacting with the transaction resource warehousing management module, the transaction resource warehousing management module and the like, so that the generated second service record table is simple and accurate in mode and comprehensive in data.

According to an embodiment of the present disclosure, the second service record table may be as shown in table 2 below. The target user sends a financial business request for 'cash withdrawal' to the financial institution, the acceptance website is the Beijing region 203 website, the website finishes the delivery of the transaction resource according to the cash withdrawal amount reserved by the target user, and records the second delivery data into a second business record table. Meanwhile, the network points, the transaction types and the transaction codes (namely the service types) can be accepted. In addition, the serial number range of the transaction resource, for example, FOH1000-FOH3000, can be recorded in the second service record table. After the business personnel (such as the off-cabinet trading applicant) go to the designated place of the target user, the financial trading service is provided for the target by utilizing the trading resource material, and the second business data and the business type are recorded into the second business record table. In addition, the remaining transaction resources (i.e. the second warehousing data) which are brought back to the website by the service personnel can be recorded and recorded into the second service record table.

According to an embodiment of the present disclosure, for operation S203 shown in fig. 2, generating a target service record table about a target user based on the first service record table and the second service record table may include the following operations.

For example, first target business record data is determined from the first business record table based on the business processing time, wherein the first target business record data comprises first business identification information of each of at least one first financial business service related to the transaction converted article. And determining second target business record data from the second business record table based on the business processing time, wherein the second target business record data comprises second business identification information of at least one second financial business service related to the transaction resource. And generating a target service record table of the target user based on the audit relationship between the first target service record data and the second target service record data.

According to the embodiment of the disclosure, the business processing time may be a predetermined time period, for example, the business processing time is set to be 5/3/2022 to 5/4/2022 as required. The first business record table records the processing time of the financial business, and in addition, the first business record table may also record the identification information of the target user of the financial business, such as the customer number. As shown in table 3, the first target service record data may be determined from the first service record table based on the service processing time and the identification information of the target user. Similarly, second target business record data may be determined from the second business record table based on the business process time and the identification information of the target user.

According to the embodiment of the disclosure, the first target business record data records business data of the target user related to the transaction converted goods, and the second target business record data records business data of the target user related to the transaction resource goods. The first target business record data and the second target business record data respectively represent the financial business of the target user aiming at the same account number, such as a bank card and a bankbook, by different articles, so that a checking relationship exists between the first target business record data and the second target business record data. A target business record table of the target user may be generated based on the audit relationship between the first target business record data and the second target business record data.

According to the embodiment of the disclosure, because the content counted in the target business record table of the target user includes the first business identification information and the second business identification information, the first summary data about the transaction converted product can be obtained based on the first business identification information and the first business record table. And obtaining second summarized data about the transaction resource based on the second service identification information and the second service record table. The physical account checking between the transaction converted material and the transaction resource material can be carried out based on the first summarized data and the second summarized data, and the account book account checking between the first business record table and the second business record table can also be carried out.

For example, with the client number and the transaction date as main keys, a transaction record set is inquired in a first business record table, and a transaction converted object used from the transaction converted object to the last financial transaction is obtained according to the difference between the first and the last in the field of the 'transaction resource serial number range', if the difference is =0, no actual transaction resource object delivery is indicated, and if the difference is greater than 0, actual transaction resource object delivery is indicated. Similarly, the actual transactional delivery of the transactional resource can be determined from the second business record table. And the hook-check relationship mapping and account checking between the transaction resource material and the transaction exchange material are realized.

According to the embodiment of the disclosure, a first financial business service management system for resource-free exchange delivery is constructed by introducing the transaction exchange and combining the transaction exchange with a first business record table. And establishing a second financial business service management system with resource exchange delivery by introducing the transaction resources and combining a second business record table. The first financial business service management system and the second financial business service management system realize flexible conversion, real and account-real reconciliation between the transaction exchange material and the transaction resource material by establishing a checking relationship between the transaction exchange material and the transaction resource material, and provide technical support for off-cabinet financial business.

According to the embodiment of the present disclosure, the service processing method may further include: in the event that it is determined that the at least one traffic type includes a first predetermined traffic type, updating the traffic data of the target user in the database regarding the transaction resource based on the second traffic data.

According to an embodiment of the present disclosure, the business data of the target user on the transaction resource object in the database may refer to the business data of the transaction resource object under the account of the target user, such as a bank card number or a bankbook, recorded in the database. Where the at least one transaction type comprises a first predetermined transaction type, it will be appreciated that a cash-out operation is performed to transfer the transaction asset to the target user. Therefore, the second service data, namely the withdrawal amount, can be subtracted from the service data of the target user about the transaction resource, and the updating operation of the service data in the database can be completed.

According to the embodiment of the disclosure, the business data of the target user about the transaction resource in the database is updated in real time according to the second business data, so that the business data can be processed in real time, the accuracy of the business data is ensured, and the updating of the business data in the database is simple and easy to operate.

According to an embodiment of the present disclosure, the at least one first traffic type may include not only the first predetermined traffic type but also the second predetermined traffic type. The second predetermined traffic type may comprise at least one of: transferring money, sending money and purchasing financing products.

According to an embodiment of the present disclosure, in case that the at least one first service type includes a second predetermined service type, the service processing method may further include the following operations.

For example, in the event that it is determined that the at least one traffic type comprises a second predetermined traffic type, linking to a predetermined traffic interface; sending the service request matched with the second preset service type to a target service server through a preset service interface so that the target service server responds to the service request matched with the second preset service type and executes service transaction operation matched with the second preset service type; and updating the business data of the target user on the transaction resource in the database based on the business request consistent with the second preset business type in response to receiving the feedback information from the target business server.

According to an embodiment of the present disclosure, it may be determined whether the at least one first traffic type includes a second predetermined traffic type using an internet financial transaction service identification module. And identifying the service type of the financial service in the subsequent financial service request of the target user according to the transaction code financial service comparison relation table by extracting the transaction code from the financial service request, and determining that at least one first service type comprises a second preset service type.

According to the embodiment of the disclosure, the internet financial service docking module can be utilized to search the corresponding predetermined service interface by taking the transaction code as the main key according to the mapping relation between the financial service transaction code and the predetermined service interface, so that the off-cabinet transaction resource object service is docked with the internet financial service, and the requirements of various financial service services of a target user are met.

According to an embodiment of the present disclosure, the server may update the business data of the target user on the transaction resource item in the database based on the business request in accordance with the second predetermined business type in response to receiving the feedback information from the target business server.

According to an embodiment of the present disclosure, the feedback information may characterize that the financial transaction service corresponding to the second predetermined transaction type has been successfully performed. The service data of the target user in the database can be updated. For example, the financial transaction service corresponding to the second predetermined transaction type is a transfer transaction service, and after the operation of transferring 100 amounts of transaction resources from the account of the target user to the account of the user a is performed, the operation of updating the transaction data in the database may be completed by subtracting the transaction data of the account of the target user with respect to the transaction resources based on the transfer amount of the transaction resources.

According to the embodiment of the disclosure, the business data of the target user in the database about the transaction resource is updated in real time according to the business request consistent with the second preset business type, so that the business data can be processed in real time, the accuracy of the business data is ensured, and the updating of the business data in the database is simple and easy to operate.

According to an embodiment of the present disclosure, after generating a target service record table about a target user based on the first service record table and the second service record table, the service processing method may further include the following operations.

For example, based on a target service record table of a target user, determining first target service data from a first service record table and determining second target service data from a second service record table; and determining a business processing result based on the first target business data, the second target business data and the business data of the target user about the transaction resource materials in the database, wherein the business processing result is used for representing the accuracy of processing the financial business service.

According to other embodiments of the present disclosure, the server for executing the business processing method may further include a posting processing unit. From the perspective of the financial analysis, under the condition that accounts of the first business record table and the second business record table are inconsistent, for example, under the condition that any actual quantity of transaction converted materials and transaction resource materials is inconsistent with a recording result, the account hanging identification can be carried out on the first business record table or the second business record table with problems, and then the follow-up operation is completed through manual intervention.

According to other embodiments of the present disclosure, the server for executing the business processing method may further include an off-cabinet service network and a customer inclusion anti-fraud digital monitoring unit. And under the condition that the first business record table or the second business record table is subjected to account hanging, automatically bringing the account hanging transaction into the manual acceptance category of the counter-leaving network points according to the account hanging identification, manually verifying the account hanging transaction by an appointed teller, and if the account hanging difference exists, bringing the transaction into anti-fraud digital monitoring, and finishing the subsequent accounting tracking operation like the common counter-surface transaction.

According to an embodiment of the present disclosure, the server for performing the business processing method may further include an off-cabinet transaction resource service drainage module. The off-cabinet transaction resource service drainage module is used for realizing the drainage of the internet financial service triggered by the newly added off-cabinet financial service channel on the basis of the internet financial service docking module. In the electronic bank channel access application, the record of the identification of the drainage channel is added and is included into the digital operation data.

Fig. 3 schematically shows an interaction diagram of a traffic processing method according to an embodiment of the present disclosure.

As shown in fig. 3, the service processing method includes operations S301 to S310.

In operation S301, the target user transmits a financial service request to the server.

In operation S302, in response to receiving a financial transaction request from a target user, a target service manner required for responding to the financial transaction request is determined.

According to the embodiment of the disclosure, the financial institution can provide financial business services such as off-cabinet transaction resources and derived financial business for target users such as elderly customers or customers with handicap action. Under the financial business service scene of the off-cabinet transaction resource, business personnel can complete the authentication and identification of the identity of a target user through a mature biological identification technology or an internet conventional authentication mechanism (such as a short message verification code) so as to improve the safety of the off-cabinet financial business.

In operation S303, in a case that the financial transaction service is provided to the target user in the target service manner, in response to the target user performing a transaction operation of at least one transaction type with respect to the transaction converted item, at least one first transaction data and at least one transaction type with respect to the transaction converted item are recorded, and a first transaction record table with respect to the transaction converted item is obtained.

In operation S304, in case that it is determined that the at least one service type includes the first predetermined service type, in response to a transfer operation of transferring the transaction resource corresponding to the first predetermined service type to the target user, second service data regarding the transaction resource and the first predetermined service type are recorded, resulting in a second service record table regarding the transaction resource.

In operation S305, a target service record table with respect to a target user is generated based on the first service record table and the second service record table.

According to the embodiment of the disclosure, the financial institution can complete the delivery of the transaction converted materials and the transaction resource materials according to the service limit of the transaction resource materials, and respectively record the transaction converted materials and the transaction resource materials into the first business record table and the second business record table.

According to the embodiment of the disclosure, the point service of the transaction converted article can be provided for the target user according to the requirement of the target user. The points service can be understood as: and (4) acquiring the transaction converted goods, after the target user verifies the number and the denomination of the transaction converted goods, determining the total acquisition amount of the transaction converted goods, and then storing the transaction converted goods. The points service can be recorded into the first business record table in the form of a transaction log, and the accounting of the points service is completed. Since the withdrawal amount of the transaction resource will be much smaller than the transaction exchange amount of the point service after the target user generally completes the point service, the actual transaction resource delivery amount will be much smaller than the use amount of the transaction exchange. Therefore, the property safety of the financial business service leaving the cabinet can be improved.

It should be noted that the first business data, the first warehousing data, the first delivery data, the second business data, the second warehousing data, the second delivery data, and the like of the transaction converted material can be acquired by terminal equipment provided by the financial institution.

In operation S306, in case that it is determined that the at least one service type includes the first predetermined service type, service data of the target user with respect to the transaction resource is updated in the database based on the second service data.

According to the embodiment of the disclosure, since the off-cabinet financial transaction service is commonly a nested derivative financial transaction, for example, in the case of including a point transaction, other financial transaction services such as cash withdrawal, transfer, purchase of financial products and the like can also be included.

According to the embodiment of the disclosure, in the case that the service type includes a first predetermined service type, for example, a withdrawal service type, the transaction resource object may be transferred to the transfer operation of the target user according to the withdrawal quota of the target user. In this case, the business data of the target user about the transaction resource can be updated in the database according to the credit of the transaction resource transferred to the target user, such as the second business data.

In operation S307, in case it is determined that the at least one service type includes a second predetermined service type, linking to a predetermined service interface.

In operation S308, a service request matching the second predetermined service type is transmitted to the target service server through the predetermined service interface.

In operation S309, the target service server performs a service transaction operation matching the second predetermined service type in response to the service request matching the second predetermined service type.

In operation S310, in response to receiving the feedback information from the target service server, service data of the target user regarding the transaction resource is updated in the database based on the service request in accordance with the second predetermined service type.

According to an embodiment of the present disclosure, the second predetermined transaction type may include a financial transaction type such as transfer of money, purchase of a financial product, and the like. The preset business interface, the financial business service transaction code and the like can be determined according to the business request matched with the second preset business type, other financial transaction names and preset business interfaces which have mapping relation with the transaction code are determined by taking the transaction code as a main key, and the butt joint of the off-cabinet transaction converted matter transaction and the derived financial transaction is realized.

Fig. 4 schematically shows a block diagram of a traffic processing device according to an embodiment of the present disclosure.

As shown in fig. 4, the service processing apparatus 400 includes a first recording module 410, a second recording module 420, and a third recording module 430.

The first recording module 410 is configured to record at least one first service data and at least one service type related to the transaction converted product in response to a transaction operation of at least one service type performed by a target user for the transaction converted product, and obtain a first service record table related to the transaction converted product.

And a second recording module 420, configured to, in response to a transfer operation of transferring the transaction resource object corresponding to the first predetermined service type to the target user, record second service data and the first predetermined service type about the transaction resource object to obtain a second service record table about the transaction resource object, if it is determined that the at least one service type includes the first predetermined service type.

And a third recording module 430, configured to generate a target service record table about the target user based on the first service record table and the second service record table.

According to an embodiment of the present disclosure, the third recording module includes:

the first identification determining unit is used for determining first target business record data from the first business record table based on the business processing time, wherein the first target business record data comprises first business identification information of each of at least one first financial business service related to the transaction converted goods.

And the second identification determining unit is used for determining second target business record data from the second business record table based on the business processing time, wherein the second target business record data comprises second business identification information of at least one second financial business service related to the transaction resource.

And the target generation unit is used for generating a target service record table of the target user based on the audit relationship between the first target service record data and the second target service record data.

According to an embodiment of the present disclosure, a first recording module includes:

the first determining unit is used for receiving first warehouse-out data related to the transaction exchange in the condition that financial business service is provided for a target user through a target service mode, wherein the first warehouse-out data comprises the warehouse-out quantity of the transaction exchange.

The second determining unit is used for responding to the transaction operation of the target user on at least one service type aiming at the transaction converted goods, and determining at least one first service data and at least one first service type related to the transaction converted goods, wherein the at least one first service data and the at least one first service type are in one-to-one correspondence.

A third determination unit for receiving first warehousing data related to the transaction exchange, wherein the first warehousing data comprises the warehousing number of the transaction exchange.

And the first generating unit is used for obtaining a first business record table about the transaction converted goods based on the first warehouse-out data, the at least one first business type and the first warehouse-in data.

According to an embodiment of the present disclosure, the second recording module includes:

and a fourth determining unit, configured to receive second warehouse-out data related to the transaction resources in the case that it is determined that the at least one service type includes the first predetermined service type, wherein the second warehouse-out data includes warehouse-out quantity of the transaction resources.

And the fifth determining unit is used for responding to the transfer operation of transferring the transaction resource corresponding to the first preset service type to the target user, and determining second service data and a second service type related to the transaction resource.

And the sixth determining unit is used for receiving second warehousing data related to the trading resource, wherein the second warehousing data comprises the warehousing number of the trading resource.

And the second generating unit is used for obtaining a second service record table related to the transaction resource materials based on the second warehouse-out data, the second service type and the second warehouse-in data.

According to the embodiment of the present disclosure, the service processing apparatus further includes:

and the first updating module is used for updating the business data of the target user in the database about the transaction resource materials based on the second business data under the condition that the at least one business type is determined to comprise the first preset business type.

According to the embodiment of the present disclosure, the service processing apparatus further includes:

and the linking module is used for linking to the predetermined service interface under the condition that the at least one first service type comprises a second predetermined service type.

And the request sending module is used for sending the service request matched with the second preset service type to the target service server through the preset service interface so that the target service server responds to the service request matched with the second preset service type and executes the service transaction operation matched with the second preset service type.

And the second updating module is used for responding to the received feedback information from the target business server and updating the business data of the target user in the database about the transaction resource materials based on the business request which is consistent with the second preset business type.

According to an embodiment of the present disclosure, the service processing apparatus further includes, after the third recording module:

and the data extraction module is used for determining first target service data from the first service record table and second target service data from the second service record table based on the target service record table of the target user.

And the reconciliation module is used for determining a business processing result based on the first target business data, the second target business data and the business data of the target user about the transaction resource materials in the database, wherein the business processing result is used for representing the accuracy of processing the financial business service. According to the embodiment of the present disclosure, the service processing apparatus further includes:

and the identity authentication module is used for responding to the received financial service request from the user and sending identity authentication information to the user.

And the identity recognition module is used for matching the identity identification information with the identity identification record information of the user in response to receiving the identity identification information aiming at the identity verification information from the user to obtain a matching result.

And the identity determining module is used for taking the user as the target user under the condition that the matching result is used for representing that the identity information is the same as the identity record information.

According to the embodiment of the present disclosure, the service processing apparatus further includes: and a service determination module.

The service determining module is used for responding to a received financial service request from a target user and determining a target service mode required for responding to the financial service request. So that the first recording module is used for responding to the target user to perform transaction operation of at least one business type on the transaction converted material under the condition that financial business service is provided for the target user according to the target service mode, recording at least one first business data and at least one business type related to the transaction converted material, and obtaining a first business record table related to the transaction converted material.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any plurality of the service determination module 410, the first recording module 420, the second recording module 430, and the third recording module 440 may be combined in one module/unit/sub-unit to be implemented, or any one of the modules/units/sub-units may be split into a plurality of modules/units/sub-units. Alternatively, at least part of the functionality of one or more of these modules/units/sub-units may be combined with at least part of the functionality of other modules/units/sub-units and implemented in one module/unit/sub-unit. According to an embodiment of the present disclosure, at least one of the service determination module 410, the first recording module 420, the second recording module 430, and the third recording module 440 may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or in any one of three implementations of software, hardware, and firmware, or in any suitable combination of any of them. Alternatively, at least one of the service determination module 410, the first recording module 420, the second recording module 430, and the third recording module 440 may be at least partially implemented as a computer program module, which when executed, may perform a corresponding function.

It should be noted that, the service processing apparatus portion in the embodiment of the present disclosure corresponds to the service processing method portion in the embodiment of the present disclosure, and the description of the service processing apparatus portion specifically refers to the service processing method portion, which is not described herein again.

Fig. 5 schematically illustrates a block diagram of a computer system suitable for implementing the above-described method according to an embodiment of the present disclosure. The computer system illustrated in FIG. 5 is only one example and should not impose any limitations on the scope of use or functionality of embodiments of the disclosure.

As shown in fig. 5, a computer system 500 according to an embodiment of the present disclosure includes a processor 501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. Processor 501 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 501 may also include onboard memory for caching purposes. Processor 501 may include a single processing unit or multiple processing units for performing different actions of a method flow according to embodiments of the disclosure.

In the RAM 503, various programs and data necessary for the operation of the system 500 are stored. The processor 501, the ROM 502, and the RAM 503 are connected to each other through a bus 504. The processor 501 performs various operations of the method flows according to embodiments of the present disclosure by executing programs in the ROM 502 and/or RAM 503. Note that the programs may also be stored in one or more memories other than the ROM 502 and the RAM 503. The processor 501 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the present disclosure, system 500 may also include an input/output (I/O) interface 505, input/output (I/O) interface 505 also being connected to bus 504. The system 500 may also include one or more of the following components connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. A drive 510 is also connected to the I/O interface 505 as needed. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted on the storage section 508 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program, when executed by the processor 501, performs the above-described functions defined in the system of the embodiments of the present disclosure. The above described systems, devices, apparatuses, modules, units, etc. may be implemented by computer program modules according to embodiments of the present disclosure.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement a method according to an embodiment of the disclosure.

According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. Examples may include, but are not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

For example, according to embodiments of the present disclosure, a computer-readable storage medium may include ROM 502 and/or RAM 503 and/or one or more memories other than ROM 502 and RAM 503 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method provided by the embodiments of the present disclosure, when the computer program product is run on an electronic device, the program code being configured to cause the electronic device to implement the business processing method provided by the embodiments of the present disclosure.

The computer program, when executed by the processor 501, performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed through the communication section 509, and/or installed from the removable medium 511. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user's computing device, partly on the user's device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments of the present disclosure and/or the claims may be made without departing from the spirit and teachings of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims (12)

1. A service processing method comprises the following steps:

responding to a target user to perform transaction operation of at least one service type on a transaction converted object, recording at least one first service data and at least one service type related to the transaction converted object, and obtaining a first service record table related to the transaction converted object;

under the condition that at least one service type is determined to comprise a first preset service type, in response to the transfer operation of transferring the transaction resource object corresponding to the first preset service type to the target user, recording second service data related to the transaction resource object and the first preset service type, and obtaining a second service record table related to the transaction resource object; and

and generating a target business record table about the target user based on the first business record table and the second business record table.

2. The method of claim 1, wherein the generating a target traffic record table for the target user based on the first traffic record table and the second traffic record table comprises:

determining first target business record data from the first business record table based on business processing time, wherein the first target business record data comprises first business identification information of each of at least one first financial business service related to the transaction converted goods;

determining second target business record data from the second business record table based on the business processing time, wherein the second target business record data comprises second business identification information of at least one second financial business service related to the transaction resource;

and generating the target business record table of the target user based on the checking relation between the first target business record data and the second target business record data.

3. The method of claim 1, wherein the recording at least one first transaction data and at least one of the transaction types regarding the transaction redemption in response to the target user performing at least one transaction operation of the transaction type for the transaction redemption, resulting in a first transaction record table regarding the transaction redemption comprises:

receiving first warehouse-out data related to the transaction exchange, wherein the first warehouse-out data comprises warehouse-out quantity of the transaction exchange;

in response to the target user performing transaction operation of at least one service type on the transaction converted article, determining at least one first service data and at least one first service type related to the transaction converted article, wherein the at least one first service data and the at least one first service type are in one-to-one correspondence;

receiving first warehousing data related to the transaction redemption, wherein the first warehousing data comprises a warehousing number of the transaction redemption; and

obtaining the first business record table about the transaction converted goods based on the first warehouse-out data, the at least one first business type and the first warehouse-in data.

4. The method of claim 3, wherein the, in the case that it is determined that the at least one of the service types includes a first predetermined service type, in response to a transfer operation of transferring a transaction resource corresponding to the first predetermined service type to the target user, recording second service data regarding the transaction resource and the first predetermined service type, obtaining a second service record table regarding the transaction resource, comprises:

receiving second shipment data related to the transactional resource in the event that it is determined that at least one of the traffic types includes the first predetermined traffic type, wherein the second shipment data includes a number of shipments of the transactional resource;

in response to a transfer operation of the transaction resource corresponding to the first predetermined business type to the target user, determining the second business data and the second business type related to the transaction resource;

receiving second warehousing data related to the trading resource, wherein the second warehousing data comprises a warehousing number of the trading resource; and

and obtaining the second service record table about the transaction resource based on the second warehouse-out data, the second service type and the second warehouse-in data.

5. The method of claim 4, further comprising:

in the event that it is determined that at least one of the traffic types includes the first predetermined traffic type, updating the traffic data of the target user in the database regarding the transaction resource based on the second traffic data.

6. The method of claim 5, further comprising:

in the event that it is determined that at least one of the traffic types comprises a second predetermined traffic type, linking to a predetermined traffic interface;

sending the service request matched with the second preset service type to a target service server through the preset service interface so that the target service server responds to the service request matched with the second preset service type and executes service transaction operation matched with the second preset service type; and

in response to receiving the feedback information from the target service server, updating the service data of the target user about the transaction resource in the database based on the service request consistent with the second preset service type.

7. The method of claim 6, further comprising, after said generating a target traffic record table for the target user based on the first traffic record table and the second traffic record table:

determining first target service data from the first service record table and second target service data from the second service record table based on the target service record table of the target user;

determining a business processing result based on the first target business data, the second target business data and the business data of the target user about the transaction resource in the database, wherein the business processing result is used for representing the accuracy of processing the financial business service.

8. The method of claim 1, further comprising, prior to the recording of the at least one first transaction data and the at least one transaction type for the transaction redemption in response to the target user performing the transaction operation for the transaction redemption, obtaining a first transaction record table for the transaction redemption:

in response to receiving a financial transaction request from a user, sending authentication information to the user;

in response to receiving identity identification information from the user for the identity verification information, matching the identity identification information with identity identification record information of the user to obtain a matching result; and

and taking the user as the target user under the condition that the matching result is used for representing that the identity information is the same as the identity record information.

9. A traffic processing apparatus, comprising:

the first recording module is used for responding to the transaction operation of the target user on at least one service type aiming at the transaction converted material, recording at least one first service data and at least one service type related to the transaction converted material, and obtaining a first service recording table related to the transaction converted material;

the second recording module is used for responding to a transfer operation of transferring the transaction resource object corresponding to the first preset service type to the target user under the condition that at least one service type is determined to comprise the first preset service type, recording second service data related to the transaction resource object and the first preset service type, and obtaining a second service recording table related to the transaction resource object; and

and the third recording module is used for generating a target service record table related to the target user based on the first service record table and the second service record table.

10. An electronic device, comprising:

one or more processors;

a memory to store one or more instructions that,

wherein the one or more instructions, when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.

11. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to carry out the method of any one of claims 1 to 8.

12. A computer program product comprising computer executable instructions for implementing the method of any one of claims 1 to 8 when executed.

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