CN107909470A

CN107909470A - Data processing method and device

Info

Publication number: CN107909470A
Application number: CN201711172370.3A
Authority: CN
Inventors: 李昂; 马丽贤
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2017-11-22
Filing date: 2017-11-22
Publication date: 2018-04-13

Abstract

The embodiment of the present application provides a kind of data processing method and device, and this method includes：Obtain the characteristic information of pending data；Information, the second set of relations of the 3rd object are obtained, the second set of relations is stored with the data for characterizing relation between the second object and the 3rd object based on pending data；According to the information of the first object, the information of the second object, the information of the 3rd object, the first set of relations and the second set of relations, retain the first set of relations, and the data of relation between the second object and the 3rd object based on pending data are added in the first set of relations, obtain the 3rd set of relations；According to the 3rd set of relations, the pending data is handled.The program is modified to establish the 3rd set of relations by retaining the first set of relations on the basis of the first set of relations, avoids the destruction to the first set of relations, solves that data-handling efficiency present in existing method is low, technical problem of poor processing effect.

Description

Data processing method and device

Technical field

This application involves technical field of data processing, more particularly to a kind of data processing method and device.

Background technology

In specific data handling procedure, usually outside original data relationship, after introducing new object, even if newly Object in itself original data relationship is changed, but implementation when need first to destroy original data relationship, then The new data relationship for including new object is re-established, can subsequently to carry out corresponding data processing.For example, in silver Analogue usually occurs in capable related credit assets transfer business.Bank when transferring the possession of itself original Credit Assets, Generally require first to close former own Credit Assets, that is, destroy the pass between loaning bill client and bank in original Credit Assets System；Increase an off-balancesheet trustee management assets newly again, re-establish the relation between bank and loaning bill client, assignee, so as to To be managed accordingly using the relation pair Credit Assets re-established, including：To loaning bill, client periodically provides information on services, The income of Credit Assets is adjusted by the relation re-established, and to the corresponding income of assignee's payment on terms, to loaning bill client Periodically collect corresponding principal and interest etc..

But when it is implemented, since existing data processing method tool introduces new object every time, it is required for first destroying Existing data relationship before, then new data relationship is re-established, cause the whole efficiency of data processing relatively low, and relatively Easily there is error.By taking the Credit Assets transfer business of bank as an example, original Credit Assets are being transferred other machines by bank , it is necessary to the relation that bank has been stabilized before with loaning bill client first be destroyed, in this way, can cause to do to loaning bill client during structure Disturb, the image of bank can also be impacted.Also, in actual implementation, due to past in the transfer activity of a Credit Assets It is past to be related to substantial amounts of loaning bill client and substantial amounts of assignee, therefore destroying bank and the original relation of loaning bill client Afterwards, it is also necessary to establish relation new between bank and each loaning bill client, and each assignee by pen, cause work Work amount is larger, and mistake, also easily occurs in the efficiency variation of processing.In summary, existing method is when it is implemented, often there are number According to treatment effeciency is low, technical problem of poor processing effect.

In view of the above-mentioned problems, not yet propose effective solution at present.

The content of the invention

The embodiment of the present application provides a kind of data processing method and device, to solve present in existing method at data Manage that efficiency is low, technical problem of poor processing effect, reach the technique effect for efficiently and accurately handling data.

The embodiment of the present application provides a kind of data processing method, including：

The characteristic information of pending data is obtained, wherein, the characteristic information of the pending data includes：Pending data In in the information of the first object, pending data the second object information and the first set of relations, wherein, first set of relations is deposited Contain the data for characterizing relation between the first object and the second object based on the pending data；

Information, the second set of relations of the 3rd object are obtained, wherein, second set of relations is stored with is based on institute for characterizing State the data of relation between the second object of pending data and the 3rd object；

According to the information of first object, the information of second object, the information of the 3rd object, described first Set of relations and second set of relations, retain first set of relations, and are based on institute described in addition in first set of relations The data of relation between the second object of pending data and the 3rd object are stated, obtain the 3rd set of relations；

According to the 3rd set of relations, the pending data is handled.

In one embodiment, according to the 3rd set of relations, the pending data is handled, including：

According to the 3rd set of relations, the first information passage between second object and first object is established, Second object sends data by the first information passage to first object；

According to the 3rd set of relations, the second information channel between second object and the 3rd object is established, Second object sends data by second information channel to the 3rd object.

In one embodiment, the data packet based on relation between first object of pending data and the second object Include at least one of：Second object sends time of data, second object to described the to first object An object sends the mode of data, second object sends the content of data to first object.

In one embodiment, the data packet based on relation between second object of pending data and the 3rd object Include at least one of：Second object sends time of data, second object to described the to the 3rd object Three objects send the mode of data, second object sends the content of data to the 3rd object.

In one embodiment, the 3rd object includes multiple subobjects.

In one embodiment, second object sends number by second information channel to the 3rd object According to, including：

Second object is sent respectively by multiple subobjects of second information channel into the 3rd object Subdata；Wherein, the subdata is data corresponding with subobject.

In one embodiment, the pending data includes Credit Assets, correspondingly, first object includes institute The debt side in Credit Assets is stated, second object includes the credits side in the Credit Assets, and the 3rd object includes The assignee of the Credit Assets.

In one embodiment, according to the information of the first object, information of second object, 3rd pair described The information of elephant, first set of relations and second set of relations, retain first set of relations, and in first set of relations Described in middle addition between the second object and the 3rd object based on the pending data relation data, obtain the 3rd relation Collection, including：

According to the information of the debt side, the information of the credits side, the information of the assignee, first set of relations With second set of relations, retain the first set of relations between the debt side and the credits side, and in first relation The data for adding relation between the credits side based on Credit Assets and the assignee are concentrated, obtain credit transfer association View, and using the credit agreement of transfer as the 3rd set of relations.

According to the 3rd set of relations, the first information passage between the credits side and the debt side is established, it is described Credits side sends data by the first information passage to the debt side；

According to the 3rd set of relations, the second information channel between the credits side and the assignee is established, it is described Credits side sends data by second information channel to the assignee.

In one embodiment, the data that the credits side is sent by the first information passage to the debt side Including at least one of：Refund information, interest-bearing information, pay off information.

In one embodiment, the data that the credits side is sent by second information channel to the assignee Including at least one of：Capital information, the avail information of assignee, the health degree information of Credit Assets of assignee.

In one embodiment, the credits side includes bank, and the assignee includes bank and/or Fiduciary.

The embodiment of the present application additionally provides a kind of data processing equipment, including：

First acquisition module, for obtaining the characteristic information of pending data, wherein, the feature letter of the pending data Breath includes：The information of second object and the first set of relations in the information of first object, pending data in pending data, its In, first set of relations is stored with for characterizing relation between the first object and the second object based on the pending data Data；

Second acquisition module, for obtaining information, the second set of relations of the 3rd object, wherein, second set of relations is deposited Contain the data for characterizing relation between the second object and the 3rd object based on the pending data；

Module is established, for the information according to first object, the information of second object, the 3rd object Information, first set of relations and second set of relations, retain first set of relations, and add in first set of relations Enter the data of the relation between the second object and the 3rd object based on the pending data, establish the 3rd set of relations；

Processing module, for according to the 3rd set of relations, handling the pending data.

In the embodiment of the present application, by retaining original first set of relations, and carried out on the basis of the first set of relations Modification carries out corresponding data processing to establish to obtain the 3rd set of relations, using the 3rd set of relations, is closed so as to avoid to first The destruction of assembly, solves that data-handling efficiency present in existing method is low, technical problem of poor processing effect, and reaching can be with Error is reduced, efficiently and accurately carries out the technique effect of data processing.

Brief description of the drawings

In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, below will be to embodiment or existing There is attached drawing needed in technology description to be briefly described, it should be apparent that, drawings in the following description are only this Some embodiments described in application, for those of ordinary skill in the art, in the premise of not making the creative labor property Under, other attached drawings can also be obtained according to these attached drawings.

Fig. 1 is the process chart of the data processing method provided according to the application embodiment；

Fig. 2 is the composition structure chart of the data processing equipment provided according to the application embodiment；

Fig. 3 is that the electronic equipment of the data processing method provided based on the application embodiment forms structure chart；

Fig. 4 is the data processing method and device provided in a Sample Scenario using the application embodiment to bank Credit transfer activity in data carry out carrying out the overall schematic of customer service and inner accounting during respective handling respectively；

Fig. 5 is the data processing method and device provided in a Sample Scenario using the application embodiment to bank Credit transfer activity in data carry out specifically carrying out the flow diagram of customer service and inner accounting during respective handling；

Fig. 6 is the data processing method and device provided in a Sample Scenario using the application embodiment to bank Credit transfer activity in data carry out respective handling when specifically to assignee pay income process schematic.

Embodiment

It is in order to make those skilled in the art better understand the technical solutions in the application, real below in conjunction with the application The attached drawing in example is applied, the technical solution in the embodiment of the present application is clearly and completely described, it is clear that described implementation Example is merely a part but not all of the embodiments of the present application.It is common based on the embodiment in the application, this area Technical staff's all other embodiments obtained without making creative work, should all belong to the application protection Scope.

In view of existing data processing method in specifically processing data, based on original data relationship, whenever introducing New object, generally requires first to destroy original data relationship, then re-establishes new data relationship, corresponding so as to carry out Data processing.Often occur that data-handling efficiency is low, treatment effect when causing existing data processing method to be embodied The technical problem of difference.Credit Assets transfer activity for bank, the above problem are particularly evident.For generation above-mentioned technical problem Basic reason, the application considers, when introducing new object, to attempt to avoid the destruction to legacy data relation, in original Have and changed accordingly on the basis of data relationship, to adapt to introduce the data processing after new object, so as to compared with Good ground solves that data-handling efficiency present in existing method is low, technical problem of poor processing effect, and mistake can be reduced by reaching Difference, efficiently and accurately carries out the technique effect of data processing.

Based on above-mentioned thinking thinking, the embodiment of the present application provides a kind of data processing method.Referring specifically to shown in Fig. 1 According to the application embodiment provide data processing method process chart.Data processing provided by the embodiments of the present application Method, when it is implemented, may comprise steps of.

S11：The characteristic information of pending data is obtained, wherein, the characteristic information of the pending data includes：It is pending The information of second object and the first set of relations in the information of first object, pending data in data, wherein, first relation Collection is stored with the data for characterizing relation between the first object and the second object based on the pending data.

In the present embodiment, above-mentioned pending data can specifically refer to carry out the data before Correlation method for data processing. For example, in Credit Assets transfer activity, pending data can be specifically the Credit Assets before transferring the possession of.Wherein, above-mentioned letter It can be specifically a kind of credit operation or loan transaction Credit Assets to borrow assets, such as can refer to the various loans that bank is provided The assets operation that money is formed, wherein, loan can refer to the credit that money-capital is lent by certain interest rate and definite time limit Activity.Specifically, for example, trade company A provides corresponding loan to B bank loans, B banks to trade company A.It can think B silver Row establishes a kind of credit operation or obtains a Credit Assets.Wherein, B banks possess above-mentioned credit money as creditor Production, trade company A needs periodically to specify the principal and interest of number to B bank payings according to agreement as debtor, to repay loan.Certainly, It should be noted that above-mentioned pending data in addition to it can represent Credit Assets, also may indicate that other kinds of business number According to.Specifically, for example, above-mentioned pending data also may indicate that house lease assets, fund asset, insurance assets etc..Tool When body is implemented, as the case may be suitable assets or business can be selected to carry out respective handling as above-mentioned pending data.

In the present embodiment, it is necessary to which supplement, above-mentioned Credit Assets transfer can specifically refer to lender, such as silver Hang Deng financial institutions, the Credit Assets possessed are transferred by support mechanism or other bank and other financial mechanisms.Wherein, transfer the possession of The bank of the Credit Assets is the assignor of Credit Assets, and receive the Credit Assets is credit by support mechanism or other banks The assignee of assets.After Credit Assets are assigned to assignee by assignor, assignor has the Credit Assets no longer, but can be with Continue to manage the Credit Assets, including：To the loaning bill side of the Credit Assets collect principal and interest, adjust and to assignee send income, Obtain self benefits, provide respective service etc. to loaning bill side.

In the present embodiment, the characteristic information of above-mentioned pending data can specifically refer to be used to characterize and pending number According to essential informations such as relevant process content, process object, processing modes.Specifically, the characteristic information of above-mentioned pending data Can include it is following in one or more：Second object in the information of first object, pending data in pending data The information such as information and the first set of relations.Certainly, it is necessary to explanation, the characteristic information of above-mentioned cited a variety of pending datas It is intended merely to that the application embodiment is better described, when it is implemented, can also introduce other kinds of as the case may be Characteristic information of the characteristic information as above-mentioned pending data.

In the present embodiment, the information of above-mentioned first object, the information of the second object can specifically be indicated for treating The first object, the information of the second object basic condition involved by processing data, for example, it may be specific name or mechanism generation Code.Above-mentioned first set of relations can be specifically the phase formed based on above-mentioned pending data between the first object and the second object The set of agreement is closed, wherein, the set of above-mentioned agreement specifically can be limiting the data between the first object and the second object The implementation content of processing, embodiment, implement the time, implement to require etc..

In the present embodiment, exemplified by using Credit Assets as pending data.In the activity of specific Credit Assets transfer In, the characteristic informations of Credit Assets refer to transfer the possession of before Credit Assets characteristic information, can specifically include：Loaning bill side's (example Such as borrow money client) essential information (i.e. the information of the first object), essential information (i.e. the second object of lender (such as bank) Information), and the phase formed between loaning bill side and lender on this Credit Assets between loaning bill side and lender Close the set (i.e. the first set of relations) of agreement.Wherein, the set of above-mentioned related protocol can specifically include being used to characterize based on letter (i.e. the first set of relations is stored with for characterizing based on described pending the data of relation between the loaning bill side of loan assets and lender The data of relation between the first object and the second object of data).Wherein, above-mentioned loaning bill side and lender based on Credit Assets Between the data of relation can specifically include following agreement：According to agreement, periodically (such as monthly) pays about to lender for loaning bill side The principal and interest of fixed number volume, lender are repaiied according to being about scheduled on to receive to do original Credit Assets after the principal and interest that loaning bill side pays accordingly Change and record, or lender periodically provides respective service etc. according to agreement to loaning bill side.

S12：Information, the second set of relations of the 3rd object are obtained, wherein, second set of relations is stored with for characterizing base The data of relation between the second object and the 3rd object of the pending data.

In the present embodiment, above-mentioned 3rd object can specifically refer to carrying out corresponding data processing to pending data When, the new object that is introduced outside original data relationship.Can be based on original first relation in pending data Beyond the first involved object of collection, the second object, the data object that newly increases.

In the present embodiment, by taking Credit Assets are transferred the possession of as an example, Credit Assets object involved before transfer be by means of Money side's (i.e. the first object) and bank's (i.e. the second object)；In Credit Assets transference, bank is by original Credit Assets Transfer assignee, such as some is by support mechanism, should be the new object that Data processing introduces by support mechanism, i.e., the 3rd pair As.

In the present embodiment, the information of above-mentioned 3rd object can specifically be indicated for the 3rd object newly introduced The characteristic information of basic condition.For example, can be specifically the title of assignee or the Institution Code of assignee.

In the present embodiment, above-mentioned second set of relations can be specifically that the mistake of data processing is being carried out to pending data Cheng Zhong, the collection of related protocols between the second object in the 3rd object being newly introduced into and original pending data.Wherein, should Collection of related protocols is stored with the number for characterizing relation between the second object and the 3rd object based on the pending data According to.The data of relation specifically can be used for agreement between above-mentioned the second object and the 3rd object based on the pending data Data processing implementation content, embodiment, implementation time between two objects and the 3rd object etc..

In the present embodiment, exemplified by using Credit Assets as pending data.Credit Assets are transferred certain in bank After by support mechanism, above-mentioned second set of relations can be formed.Wherein, above-mentioned second set of relations can be specifically bank in this scene with This is by collection of related protocols of the support mechanism on the Credit Assets transfer activity.Include again based on the transfer in the assembly of protocols Credit Assets bank and between by support mechanism relation data (i.e. based on the second object of the pending data and the 3rd The data of relation between object).The bank of the above-mentioned Credit Assets based on the transfer and between by support mechanism relation data tool Body, which can be used for agreement bank, to be needed periodically to adjust the income of the Credit Assets, periodically sends income, Huo Zheding to by support mechanism Phase is is provided condition information of the Credit Assets etc. by support mechanism.

S13：According to the information of the first object, information of second object, the information of the 3rd object, described First set of relations and second set of relations, retain first set of relations, and add the base in first set of relations The data of relation, obtain the 3rd set of relations between the second object and the 3rd object of the pending data.

In the present embodiment, in order to improve the efficiency of data processing, improve data process effects, when it is implemented, can With the information according to above-mentioned first object, the information of the second object, the information of the 3rd object, the first set of relations and the second set of relations Etc. data, the basis of original first set of relations is not being destroyed, is retaining the first set of relations, and original first set of relations is carried out Modification, for example, can be added in the first set of relations in above-mentioned second set of relations be stored with based on the pending data The data of relation between second object and the 3rd object, it is hereby achieved that new set of relations, i.e. the 3rd set of relations.So as to avoid Destruction in existing method to legacy data relation, re-establish trouble caused by data relationship and inconvenience.

In the present embodiment, above-mentioned 3rd set of relations can specifically refer to include between the first object and the second object Correlation assembly of protocols, and the total agreement set of the correlation assembly of protocols between the second object and the 3rd object. In this way, when it is implemented, can be by the 3rd set of relations to involved by the data processing between the first object and the second object Particular content, mode, time etc. carry out corresponding to restriction；It is also possible to by the 3rd set of relations to the second object and the 3rd pair Particular content involved by data processing, mode, time as between etc. carry out corresponding to restriction.

In the present embodiment, by taking Credit Assets as an example, during Credit Assets are transferred the possession of, when bank makees (i.e. second Object) when the Credit Assets possessed originally (i.e. pending data) are transferred certain by support mechanism (i.e. the 3rd object), bank with Certain forms new assembly of protocols, i.e. the second set of relations between by support mechanism.But during transfer, bank can not destroy With the assembly of protocols (i.e. the first set of relations) signed before loaning bill client (i.e. the first object), but it is commissioned according to bank and certain The assembly of protocols signed before mechanism, changes the assembly of protocols accordingly, addition bank and certain between by support mechanism Assembly of protocols, obtains new assembly of protocols：Credit agreement of transfer (i.e. the 3rd set of relations).Wherein, above-mentioned new assembly of protocols bag Assembly of protocols between Kuo Liao banks and loaning bill client, also includes bank and certain assembly of protocols between by support mechanism.In this way, The processing such as relevant information, data can be subsequently carried out between bank and loaning bill client according to above-mentioned new assembly of protocols, at the same time The processing such as relevant information, data is carried out between bank and certain mechanism that assigns according to above-mentioned new assembly of protocols.

S14：According to the 3rd set of relations, the pending data is handled.

In the present embodiment, when it is implemented, second object and institute can be established according to the 3rd set of relations The first information passage between the first object is stated, second object is sent out by the first information passage to first object Send data；According to the 3rd set of relations, the second information channel between second object and the 3rd object, institute are established State the second object and data are sent to the 3rd object by second information channel.In this way, the second object can be not right First object is interfered or influenced, and on the premise of the 3rd object not being interfered or influenced, is completed at corresponding data Reason.

In the present embodiment, can be by taking Credit Assets as an example, in Credit Assets transfer activity, bank specifically can root Customer information passage is established between bank and loaning bill client according to the 3rd set of relations, by the customer information passage, bank can be with Refund information, interest-bearing information are periodically sent to loaning bill client, pays off the related datas such as information, to remind loaning bill client to pay in time Corresponding principal and interest；By the customer information passage other related services can also be provided to loaning bill client.Meanwhile bank can be with Revenue accounting information channel is established in bank and between by support mechanism according to the 3rd set of relations, is led to by the revenue accounting information Road, bank can be periodically to capital information, the avail information of assignee, the health of Credit Assets that assignee is sent by support mechanism Spend the related datas such as information；By the revenue accounting information channel other respective services can also be provided to by support mechanism.Such as This, bank can not impact loaning bill client and not to the premise impacted by support mechanism, complete Credit Assets Transfer the possession of, and Credit Assets are continued to manage：Relevant customer service is provided in time to loaning bill client, for example, sending related Customer information；Certain income by support mechanism is adjusted, and income is consigned to certain by support mechanism according to agreement.It is thus possible to carry Efficiency, reduction error in Credit Assets transfer activity is handled for bank；And it can be carried to avoid the interference and influence on client High user experience.

In the embodiment of the present application, compared to the prior art, by retaining original first set of relations, and in the first relation Increase new relation on the basis of collection, obtain the 3rd set of relations to establish, recycle the 3rd set of relations to carry out at specific data Reason, so as to avoid the destruction to the first set of relations, solves that data-handling efficiency present in existing method is low, treatment effect The technical problem of difference, error can be reduced by reaching, and efficiently and accurately carry out the technique effect of data processing.

In one embodiment, it is above-mentioned according to the 3rd set of relations, the pending data is handled, can specifically be wrapped Include herein below：

In the present embodiment, above-mentioned 3rd set of relations is on the basis of former first set of relations is retained, to the first relation Collection is changed accordingly, i.e., adds in first set of relations and treated according to determined by second set of relations based on described The data of relation obtain between the second object and the 3rd object of processing data.Therefore, above-mentioned 3rd set of relations is passed through To limit the data processing between the first object and the second object, while can also limit between the second object and the 3rd object Data processing.

In the present embodiment, it is necessary to supplement, due to not destroying during above-mentioned 3rd set of relations is obtained Fall original first set of relations, but remain original first set of relations, and based on the first set of relations retained, Corresponding modification is carried out to the first set of relations and has obtained the 3rd relation.It can thus be avoided after destroying first set of relations by Pen establishes new set of relations, improves data-handling efficiency, reduces Data processing error, improves data process effects.

In the present embodiment, by taking Credit Assets are transferred the possession of as an example, bank can establish according to the 3rd set of relations and be directed to bank First information passage between loaning bill client, i.e. customer information passage, and by the passage corresponding tool is provided to borrower Body service, such as periodically send refund information, interest-bearing information, pay off the related datas such as information.Meanwhile bank can be according to the 3rd Set of relations, which is established, is directed to bank and the second information channel between by support mechanism, i.e. revenue accounting information channel, and logical by this Road is periodically to capital information, the avail information of assignee, the health degree information of Credit Assets that assignee is sent by support mechanism etc. Related data；Other respective services can also be provided to by support mechanism by the revenue accounting information channel, for example, pay by Support mechanism income etc..

In the present embodiment, it is necessary to which explanation, above-mentioned first information passage and the second information channel are separate , interference or influence will not be formed each other.It can so cause data of second object between processing and the first object When do not interfere with the data processing between the 3rd object, same second object is when handling the data between the 3rd object Do not interfere with the data processing between the first object.

Specifically, for example, customer information passage and revenue accounting information channel are mutually independent, it does not interfere with each other.In this way, When can ensure data of the bank between processing is with loaning bill side, for example, not affected when providing customer service for loaning bill side To the business by support mechanism；Equally, bank is when processing is with data between by support mechanism, for example, providing this to by support mechanism Loaning bill side is not affected during the income in season.It is thus possible to reach more preferable treatment effect, improve loaning bill side and consignee is double The user experience of side, it helps safeguard the image and prestige of bank.

In one embodiment, the above-mentioned number based on relation between first object of pending data and the second object According to can specifically include at least one of：Second object sends the time of data, described second to first object Object sends the mode of data to first object, second object sends content of data etc. to first object. Certainly it is specific real, it is necessary to which explanation, above-mentioned cited a variety of data are intended merely to that the application embodiment is better described Shi Shi, can also introduce other data as the case may be and be based on first object of pending data and second as above-mentioned The data of relation between object.

In the present embodiment, when it is implemented, can be according to above-mentioned based on first object of pending data and the The data of relation are determined how between two objects carries out corresponding data processing between the first object and the second object.

In one embodiment, the above-mentioned number based on relation between second object of pending data and the 3rd object According to can specifically include at least one of：Second object sends the time of data, described second to the 3rd object Object sends the mode of data to the 3rd object, second object sends content of data etc. to the 3rd object. Certainly it is specific real, it is necessary to which explanation, above-mentioned cited a variety of data are intended merely to that the application embodiment is better described Shi Shi, can also introduce other data as the case may be and be based on second object of pending data and the 3rd as above-mentioned The data of relation between object.When it is implemented, second object of pending data and the 3rd pair can be based on according to above-mentioned The data of relation determine how and carry out corresponding data processing between the second object and the 3rd object as between.

In one embodiment, the 3rd object can specifically include multiple subobjects.Specifically, with Credit Assets Exemplified by, bank B as the case may be can transfer the Credit Assets in batches more when transferring the possession of the Credit Assets oneself held A different assignee.For example, Credit Assets can be divided into more parts by bank B according to assets, be transferred respectively by support mechanism C, by support mechanism D and bank E.Wherein, it is above-mentioned to can be understood as the above-mentioned 3rd by support mechanism C, by support mechanism D and bank E Multiple subobjects of object.

In one embodiment, second object sends number by second information channel to the 3rd object According to can specifically include herein below：Second object is more into the 3rd object by second information channel A subobject sends subdata respectively；Wherein, the subdata is data corresponding with subobject.

In the present embodiment, the second object can be according to the 3rd set of relations respectively it is determined that being sent to each 3rd pair Data as corresponding to subobject, and then subobject transmission pair of second information channel respectively to each 3rd object can be utilized The subdata answered.Specifically, for example, bank B when sending certain season income to assignee, can be provided according to the credit transferred the possession of By support mechanism C, the ratio accounted for respectively by support mechanism D and bank E in production, determine with by support mechanism C, by support mechanism D and silver The corresponding sub- incomes of row E；Again by revenue accounting information channel to by support mechanism C send with by the corresponding receipts of support mechanism C Benefit；To by support mechanism D send with by the corresponding incomes of support mechanism D；Income corresponding with bank E is sent to bank E.

In one embodiment, first object can specifically include multiple subobjects.Specifically, with Credit Assets Exemplified by, trade company Y, trade company X and trade company Z, which combine to bank B, mortgages application loan, and obtains different loan values respectively.Wherein, on State multiple subobjects that trade company Y, trade company X and trade company Z can be understood as above-mentioned first object.Correspondingly, second pair described above As sending data to second object by the first information passage, it can specifically include herein below：Described second pair As sending subdata respectively by multiple subobjects of the first information passage into second object；Wherein, the son Data are data corresponding with subobject.Specific implementation process sends to the subobject of multiple 3rd objects with the second object and corresponds to Subdata it is similar, be specifically referred to the second object and send the specific of corresponding subdata to the subobject of multiple 3rd objects Situation, the application repeat no more.

In one embodiment, the pending data can specifically include Credit Assets, correspondingly, described first pair As including the debt side in the Credit Assets, second object includes the credits side in the Credit Assets, and the described 3rd Object includes the assignee of the Credit Assets.

In the present embodiment, in the case where pending data is Credit Assets, pending data is carried out at data Reason can include the data processing in credit transfer activity.Above-mentioned debt side can be specifically to credits side application loan people or Tissue.Wherein, debt side can be specifically personal, for example, business proprietor or Taobao seller；Can also be business entity, example Such as XXX companies or TTT groups；It can also be other financial and investment institutions, such as YYY banks or OOO investment institution.On It can be specifically to offer a loan to obtain Credit Assets to debt side to state credits side, and is transferred the possession of in Credit Assets transfer activity above-mentioned The main body of Credit Assets.Wherein, credits side can be specifically bank or other investment institution.Above-mentioned assignee is specific It can be the main body of Credit Assets for receiving to be transferred in Credit Assets transfer activity.Wherein, assignee can be specifically by Support mechanism or other bank and other financial mechanisms.It should be noted that to above-mentioned debt side, credits side and assignee Specific type of subject, the application are not construed as limiting.

In one embodiment, it is above-mentioned according to the information of first object, the information of second object, described The information of three objects, first set of relations and second set of relations, retain first set of relations, and are closed described first The data of the relation between the second object and the 3rd object based on the pending data are added in assembly, obtain the 3rd pass Assembly, can specifically include herein below：According to the information of the debt side, the information of the credits side, first relation Collection and second set of relations, retain the first set of relations between the debt side and the credits side, and are closed described first The data of relation between the credits side based on Credit Assets and the assignee are added in assembly, obtain credit transfer Agreement, and using the credit agreement of transfer as the 3rd set of relations.

In the present embodiment, in the case where pending data is Credit Assets, by the activity of Credit Assets transfer In, collection of related protocols that credits side is signed before can retaining with debt side, i.e. the first set of relations；In the first set of relations In, the particular content of the collection of related protocols produced by adding credits side with assignee in Credit Assets are transferred the possession of, that is, store The data of relation between the second object and the 3rd object based on the pending data in the second set of relations, are closed to first Assembly is changed accordingly, obtains including the relation limited between the second object and the first object, and limit second pair As the 3rd set of relations of the relation between the 3rd object.

In the present embodiment, above-mentioned 3rd set of relations can be specifically that a kind of total assembly of protocols or a kind of credit turn Allow agreement.Wherein, above-mentioned credit agreement of transfer can specifically include herein below：Basic attribute data, assignee's data, transfer the possession of Account data etc..Wherein, above-mentioned basic attribute data can specifically include：The capital investment of Credit Assets, transfer fund are total Volume, transfer price, perform time etc..Above-mentioned assignee's data can specifically include：Assign customer information, account information of assigning Deng.Above-mentioned transfer account data can specifically include：Transferable information, transfer price, transfer the possession of remaining sum etc..

In one embodiment, it is above-mentioned according to the 3rd set of relations, the pending data is handled, during specific implementation It can include herein below：

In the present embodiment, in the case where above-mentioned pending data is Credit Assets, bank is permissible as credits side It is to establish first information passage, i.e. customer information passage, and passing through between loaning bill client in debt side according to the 3rd set of relations Customer information passage individually provides corresponding customer service to loaning bill client, for example, to loaning bill client periodically send refund information, Interest-bearing information, pay off information etc., or loaning bill client provides the service of inquiry refund situation.Meanwhile bank can basis 3rd set of relations establishes the second information channel, i.e. revenue accounting information channel in bank and assignee between by support mechanism, lead to Revenue accounting information channel is crossed, periodically being adjusted solely according to the investment situation by support mechanism needs to pay to be received by support mechanism Benefit, and being paid relevant benefit by holder structure on time by the revenue accounting information channel, for example, to by holder structure send by Capital information, the avail information of assignee, the health degree information of Credit Assets for the side of allowing, while can also be to be provided by support mechanism Inquire about the service of other status informations of the Credit Assets.

In the present embodiment, it is necessary to explanation be above-mentioned customer information passage and revenue accounting information channel each other It is independent, it does not interfere with each other.So, it is ensured that bank is in the data between handling with loaning bill side, for example, providing visitor for loaning bill side Family is not affected to the business by support mechanism when servicing；Equally, bank is when processing is with data between by support mechanism, example Loaning bill side is not affected when such as, to the income that current season is provided by support mechanism.It is thus possible to reach more preferable treatment effect, Improve loaning bill side and the user experience of consignee both sides, it helps safeguard the image and prestige of bank.

In one embodiment, the data that the credits side is sent by the first information passage to the debt side At least one of can specifically be included：Refund information, interest-bearing information, pay off information etc..Certainly it should be noted that above-mentioned institute The a variety of data that debt side is sent to by credits side enumerated are intended merely to that the application embodiment is better described, specific implementation When, credits side can also provide the other kinds of related data in addition to above-mentioned cited data to debt side.In addition, credits Side can also be carried by above-mentioned first information passage according to the requirement of debt side or according to the specific agreement in the first set of relations For other customer services.In this regard, the application is not construed as limiting.

In one embodiment, the data that the credits side is sent by second information channel to the assignee At least one of can specifically be included：The capital information of assignee, the avail information of assignee, the health degree letter of Credit Assets Breath etc..Certainly it should be noted that above-mentioned cited a variety of data that assignee is sent to by credits side are intended merely to more preferably Ground illustrates the application embodiment, when it is implemented, credits side can also be provided to assignee except above-mentioned cited data with Outer other kinds of related data.In addition, credits side can also by above-mentioned second information channel according to the requirement of assignee or Person provides other services according to the specific agreement in the second set of relations, to assignee, such as the inquiry etc. of Assets.In this regard, The application is not construed as limiting.

In one embodiment, it is necessary to supplement, the credits side specifically can including bank etc. lending structure, institute The financial and investment institutions such as bank and/or Fiduciary can specifically be included by stating assignee, and the debt side can be specifically application The individual of loan or enterprise institution.For above-mentioned credits side, debt side, assignee specific type of subject, the application do not limit It is fixed.

In a specific Sample Scenario, AL companies apply providing a loan to expand scale to ZH banks, ZH banks and AL Company has signed relevant first agreement (i.e. the first set of relations), there is provided and give AL companies to provide a loan, wherein, above-mentioned first agreement is about Determine principal and interest of the AL companies periodically to the certain number of ZH bank payings.At this moment, the Credit Assets based on AL companies and ZH interbanks are built It is vertical, also, ZH banks possess the Credit Assets.Afterwards, this Credit Assets are assigned to WI Fiduciary by ZH banks.WI believes Support mechanism can in batches or disposably purchase the Credit Assets.During transfer, ZH banks remain same AL companies it Between the first agreement, and add ZH banks with the second protocol (i.e. between WI Fiduciary on the basis of the first agreement Two set of relations) obtain new agreement, i.e. the 3rd agreement (i.e. the 3rd set of relations).In this way, according to the 3rd agreement, this Credit Assets Become to be possessed by WI Fiduciary, but this Credit Assets are still responsible for by ZH banks.It should be noted that above-mentioned credit money Do not change according to the relation determined by the first agreement between AL companies and ZH banks in production.I.e. AL companies are regular according to needing Principal and interest of the ground to the certain number of ZH bank payings.And the related content based on the first agreement in ZH banks meeting the 3rd agreement of foundation, Customer information passage is established, and by the customer information passage, the client arranged in the first agreement is individually provided to AL companies and is taken Business, including：Periodically refund information, interest-bearing information are sent to AL companies, pay off information etc..Meanwhile ZH banks can assist according to the 3rd Related content based on second protocol in view, establishes the worthwhile information channel of income, and by the worthwhile information channel of the income, individually The distribution of income arranged in second protocol is provided to WI Fiduciary, including：The specific income of WI Fiduciary is adjusted, and periodically Capital information, avail information, the health degree information of Credit Assets of assignee etc. is sent to WI Fiduciary.Certainly, it is necessary to mend Fill, in the specific implementation during, ZH banks can also be according to the related content based on second protocol in above-mentioned 3rd agreement The ZH banks income of itself is determined during revenue accounting is carried out, and some is periodically retained in the corresponding of the bank Department.In this way, due to avoiding the destruction directly to the first agreement, but original first agreement is remained, and in the first association The second protocol related content between WI Fiduciary is added on the basis of view, the 3rd total agreement has been obtained, has passed through the 3rd The transfer of consultative management Credit Assets, so as to the related data in transfer that is quick, efficiently and accurately completing Credit Assets Processing, reduces error in former data processing method；Taken further, since providing client to loaning bill client by first information passage Business, income, distribution are adjusted by the second information channel for assignee, therefore the data of loaning bill client, assignee will not be caused Interference and influence, so as to carry the user experience of loaning bill client, assignee, help to lift the image and prestige of bank.

It can be seen from the above description that data processing method provided by the embodiments of the present application, original by retaining First set of relations, and increase new relation on the basis of the first set of relations, the 3rd set of relations is obtained to establish, recycles the 3rd Set of relations carries out specific data processing, so as to avoid the destruction to the first set of relations, solves present in existing method Data-handling efficiency is low, the technical problem of poor processing effect, and error can be reduced by reaching, and efficiently and accurately carries out data processing Technique effect；Further through being specifically applied to above-mentioned data processing method in the Credit Assets transfer activity of bank, avoid To former related destruction and interference between credits side and debt side, improve the Experience Degree of client, and can accurately and efficiently to by The side of allowing carries out distribution of income, meanwhile, provide specific business information to debt side.

Based on same inventive concept, a kind of data processing equipment is additionally provided in the embodiment of the present invention, such as following implementation Described in example.Since the principle that data processing equipment solves the problems, such as is similar to data processing method, the reality of data processing equipment The implementation that may refer to data processing method is applied, overlaps will not be repeated.It is used below, term " unit " or " mould Block " can realize the combination of the software and/or hardware of predetermined function.Although the described device of following embodiments is preferably with soft Part is realized, but hardware, or the realization of the combination of software and hardware is also what may and be contemplated.Referring to Fig. 2, it is this Apply for a kind of composition structure chart for the data processing equipment that embodiment provides, which can specifically include：First acquisition module 21st, the second acquisition module 22, establish module 23, processing module 24, the structure is specifically described below.

First acquisition module 21, specifically can be used for the characteristic information for obtaining pending data, wherein, the pending number According to characteristic information include：The information of second object and first in the information of first object, pending data in pending data Set of relations, wherein, first set of relations is stored with for characterizing based on the first object of the pending data and second pair The data of relation as between.

Second acquisition module 22, specifically can be used for information, the second set of relations for obtaining the 3rd object, wherein, described the Two set of relations are stored with the data for characterizing relation between the second object and the 3rd object based on the pending data.

Module 23 is established, specifically can be used for the information according to the first object, information of second object, described The information of 3rd object, first set of relations and second set of relations, retain first set of relations, and described first The data of the relation between the second object and the 3rd object based on the pending data are added in set of relations, establish the 3rd Set of relations.

Processing module 24, specifically can be used for, according to the 3rd set of relations, handling the pending data.

In one embodiment, in order to according to the 3rd set of relations, handling the pending data, above-mentioned place Reason module 24 can specifically include following construction unit：

First processing units, specifically can be used for according to the 3rd set of relations, establish second object and described First information passage between an object, second object send number by the first information passage to first object According to；

Second processing unit, specifically can be used for according to the 3rd set of relations, establish second object and described The second information channel between three objects, second object send number by second information channel to the 3rd object According to.

In one embodiment, the above-mentioned number based on relation between first object of pending data and the second object According to can specifically include at least one of：Second object sends the time of data, described second to first object Object sends the mode of data to first object, second object sends content of data etc. to first object. Certainly, above-mentioned cited a variety of data based on relation between first object of pending data and the second object are simply It is better described the application embodiment, when it is implemented, can also as the case may be and require, introduces other kinds of Data are as the data based on relation between first object of pending data and the second object.

In one embodiment, the above-mentioned number based on relation between second object of pending data and the 3rd object According to can specifically include at least one of：Second object sends the time of data, described second to the 3rd object Object sends the mode of data to the 3rd object, second object sends content of data etc. to the 3rd object. Certainly, above-mentioned cited a variety of data based on relation between second object of pending data and the 3rd object are simply It is better described the application embodiment, when it is implemented, can also as the case may be and require, introduces other kinds of Data are as the data based on relation between second object of pending data and the 3rd object.

In one embodiment, above-mentioned 3rd object can specifically include multiple subobjects.Correspondingly, at above-mentioned second Unit is managed when it is implemented, above-mentioned second object can be utilized more into the 3rd object by second information channel A subobject sends subdata respectively；Wherein, the subdata is data corresponding with subobject.

In one embodiment, above-mentioned data processing equipment can be specifically applied using Credit Assets as pending number According to the data processing work under progress Credit Assets transfer activity scene.Correspondingly, above-mentioned first object can be specifically debt People, such as the client that borrows money；Above-mentioned second object can be specifically creditor, such as the bank to offer a loan；Above-mentioned 3rd object The assignee of Credit Assets is specifically received, such as by support mechanism or other banks.Certainly, above-mentioned data set can also fit For the data processing in other scenes, in this regard, the application is not construed as limiting.

Each embodiment in this specification is described by the way of progressive, identical similar portion between each embodiment Divide mutually referring to what each embodiment stressed is the difference with other embodiment.It is real especially for system For applying example, since it is substantially similar to embodiment of the method, so description is fairly simple, related part is referring to embodiment of the method Part explanation.

It should be noted that system, device, module or unit that the above embodiment illustrates, specifically can be by computer Chip or entity are realized, or are realized by having the function of certain product.For convenience of description, in the present specification, retouch It is divided into various units when stating apparatus above with function to describe respectively.Certainly, can be the function of each unit when implementing the application Realized in same or multiple softwares and/or hardware.

In addition, in the present specification, adjective can be only used for an element or dynamic such as first and second Make to distinguish with another element or action, without requiring or implying any actual this relation or order.Permit in environment Perhaps in the case of, one in only element, component or step is should not be interpreted as limited to reference to element or component or step (s) It is a, and can be one or more of element, component or step etc..

The application can specifically refer to real based on the application shown in Fig. 3 embodiment further provides a kind of electronic equipment The electronic equipment composition structure chart for the data processing method that the mode of applying provides, the electronic equipment can specifically include input equipment 31st, processor 32, memory 33.Wherein, the input equipment 31 it is specific can be used for inputting the characteristic information of pending data, The information and the second set of relations of 3rd object, wherein, the characteristic information of the pending data includes：First in pending data The information and the first set of relations of second object in the information of object, pending data, wherein, first set of relations is stored with use In the data for characterizing relation between the first object and the second object based on the pending data, the second set of relations storage It is useful for the data of relation between the second object and the 3rd object of the characterization based on the pending data.The processor 32 has Body can be used for the information according to first object, the information of second object, the information of the 3rd object, described One set of relations and second set of relations, retain first set of relations, and are based in first set of relations described in addition The data of relation, obtain the 3rd set of relations between the second object and the 3rd object of the pending data；According to the described 3rd Set of relations, handles the pending data.The memory 33 specifically can be used for the feature letter for storing the pending data Breath, the information and the second set of relations of the 3rd object, and the 3rd set of relations generated by processor 32.

In the present embodiment, the input equipment can be specifically that information exchange is carried out between user and computer system One of main device.The input equipment can include keyboard, mouse, camera, scanner, light pen, writing input board, language Sound input unit etc.；Input equipment is used to initial data be input to the programs for handling these numbers in computer.The input Equipment, which can also obtain, receives the data that other modules, unit, equipment transmit.The processor can be by any appropriate Mode is realized.For example, processor can take such as microprocessor or processor and storage to be performed by (micro-) processor Computer readable program code (such as software or firmware) computer-readable medium, logic gate, switch, application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), programmable logic controller (PLC) and embedded microcontroller Form etc..The storage implement body can be used to protect stored memory device in modern information technologies.The storage Device includes many levels, in digital display circuit, as long as can preserve binary data can be memory；In integrated circuit In, a circuit with store function without physical form is also memory, such as RAM, FIFO；In systems, have The storage device of physical form is also memory, such as memory bar, TF card.

In the present embodiment, the function and effect of electronic equipment specific implementation, can compare with other embodiment Explain, details are not described herein.

A kind of computer-readable storage medium is additionally provided in this theory application embodiment, the computer-readable storage medium is stored with Computer program instructions, realization is performed in the computer program instructions：The characteristic information of pending data is obtained, its In, the characteristic information of the pending data includes：In pending data second pair in the information of the first object, pending data The information of elephant and the first set of relations, wherein, first set of relations is stored with for characterizing the based on the pending data The data of relation between an object and the second object；Information, the second set of relations of the 3rd object are obtained, wherein, described second closes Assembly is stored with the data for characterizing relation between the second object and the 3rd object based on the pending data；According to institute State information, the information of second object, the information of the 3rd object, first set of relations and described of the first object Two set of relations, retain first set of relations, and addition is described based on the pending data in first set of relations The data of relation between second object and the 3rd object, obtain the 3rd set of relations；According to the 3rd set of relations, treated described in processing Handle data.

In the present embodiment, above-mentioned storage medium includes but not limited to random access memory (RandomAccess Memory, RAM), read-only storage (Read-Only Memory, ROM), caching (Cache), hard disk (Hard Disk Drive, HDD) or storage card (Memory Card).The memory can be used for storing computer program instructions.Network leads to Believe that unit can be according to standard setting as defined in communication protocol, for carrying out the interface of network connection communication.

In the present embodiment, the function and effect of the programmed instruction specific implementation of computer-readable storage medium storage, can To compare explanation with other embodiment, details are not described herein.

It is embodied at one in Sample Scenario, credit of the data processing method and device to bank is provided using the application Specific data in assets transfer activity carry out respective handling.Specific implementation process is referred to herein below execution.

Usual credit transfer activity refers to credits (the i.e. pending number that creditor bank (i.e. the second object) is held it According to) transfer the process of third party's (i.e. the 3rd object).For bank credit transfer activity, due to loaning bill client (i.e. First object) between by many-sided constraint such as contract (the first set of relations), bank's prestige image, Regulation Policy, traditional custom or limit System, it is necessary to keep customer service continually and steadily constant；At the same time assignment of credit activity needs to embody spy on inner accounting Fixed change, periodically adjusts to third party and provides corresponding income.By existing data processing method, credit money is being transferred the possession of During production, it is often necessary to first destroy original contract agreement between bank and loaning bill client, i.e.,：Bank needs to refund by pen And former own Credit Assets are closed to destroy original relation, then by increasing (balance sheet) off-balancesheet trustee management assets newly, Introduce and re-establish contract with third-party agreement, to manage the credit relation after this transfer, then pass through new contract management Assets of being commissioned substitute original financial service to borrower, and working out distribution benefit is moved to third party.In this way, client has been be easy to cause it Service is interfered with each other with inner accounting, and influence is caused on bank's Activities, and error-prone, can not avoid interference client Service, such as borrower's reference etc. can also be impacted, user experience is poor.

, specifically can be by during data in the data processing method processing bank credit transfer activity provided using the application Performed according to following steps.

S1：The first acquisition to established Credit Assets into row information.Specifically, bank obtains the feature for treating Credit Assets Information, wherein, the characteristic information of the Credit Assets includes：Bank in the information of loaning bill client, Credit Assets in Credit Assets Information, the first set of relationship (assembly of protocols) between bank and loaning bill client, wherein, first set of relations is stored with use The data of relation between loaning bill client of the characterization based on the Credit Assets and bank.

S2：When above-mentioned Credit Assets are transferred third party by bank, the relevant information that bank needs specifically to transfer the possession of carries out Obtain.Specifically, bank obtains the second set of relations (assembly of protocols) between third-party information, bank and third party, wherein, Second set of relations is stored with the data for characterizing relation between bank and third party based on Credit Assets.

S3：According to the information of loaning bill client, the information of bank, third-party information, the first set of relations and the second set of relations, Retain the first set of relations between original loaning bill client and bank, and added in above-mentioned first set of relations according to the second relation The data of relation, obtain the 3rd set of relations, also referred to as agreement of transfer between bank based on Credit Assets that collection determines and third party.

S4：Bank is according to above-mentioned 3rd set of relations, processing (or management) above-mentioned Credit Assets.

In the present embodiment, when managing above-mentioned Credit Assets, bank specifically can establish silver according to the 3rd set of relations Customer service (passage) between row and loaning bill client, i.e. first information passage.At the same time according to the 3rd set of relations, establish bank and Inner accounting (passage) between third party, i.e. the second information channel.Specifically can refer to Fig. 4 shown in a Sample Scenario It is middle that the data in the credit transfer activity of bank are carried out using the data processing method and device that the application embodiment provides The overall schematic of customer service and inner accounting is carried out during respective handling respectively.Wherein, above-mentioned customer service (passage) and interior Portion adjusts (passage) independently of each other, does not interfere with each other.

In the present embodiment, when it is implemented, bank can by above-mentioned customer service (passage) according to lend borrow Money capital calculates relevant income, and is sent by above-mentioned customer service (passage) loaning bill client and periodically send refund information, meter Cease information, pay off information etc., or loaning bill client provides the service of inquiry refund situation.Meanwhile bank can be by interior Portion adjust (passage) according to each assignee (i.e. each third party) specifically provide funds capital situation calculating and respectively with it is each The corresponding income of assignee (determines data corresponding with each subobject in the 3rd object), and passes through the inner accounting Specific income is shipped regularly to corresponding assignee by (passage), can also send the capital of assignee to assignee according to agreement Information, the avail information of assignee, the health degree information of Credit Assets, can also be provided for assignee inquire about the Credit Assets Status information other service.You need to add is that bank can also be calculated and determined by above-mentioned inner accounting (passage) The income of bank itself, and retain the income for belonging to bank itself from total revenue.Specifically can refer to Fig. 5 shown at one The data processing method and device provided in Sample Scenario using the application embodiment are in the credit transfer activity of bank Data specifically carried out during respective handling the flow diagram of customer service and inner accounting.

In the present embodiment, when specific calculating is assigned to the income of each assignee, can be assigned according to assignee Credit Assets residing for accounting of the capital in total assets, determine the income of each assignee in multiple assignees.Specific implementation When, it can determine to number the income to be allocated for the assignee for being i according to the following formula：

So can by inner accounting (passage) on the premise of not impacted to loaning bill client according to assignee's Capital calculates the income of each debit exactly, and then can be by above-mentioned inner accounting (passage) according in the 3rd set of relations Related protocol, the income of each assignee is sent according to the clearing approach of assignee.Specific implementation process can be referred to shown in Fig. 6 In a Sample Scenario using the data processing method and device that the application embodiment provides to the credit transfer of bank The process schematic of income is specifically paid when data in activity carry out respective handling to assignee.So as to efficiently complete The accounting and distribution of income.

By above-mentioned Sample Scenario, data processing method and device provided by the embodiments of the present application are demonstrated, pass through reservation Original first set of relations, and increase new relation on the basis of the first set of relations, the 3rd set of relations is obtained to establish, then profit Specific data processing is carried out with the 3rd set of relations, so as to avoid the destruction to the first set of relations, solves existing side really Data-handling efficiency present in method is low, the technical problem of poor processing effect, and error can be reduced by reaching, efficiently and accurately into The technique effect of row data processing.

Although mentioning different specific embodiments in teachings herein, the application is not limited to be industry Standard or the described situation of embodiment etc., some professional standards or the implementation base described using self-defined mode or embodiment On plinth embodiment amended slightly can also realize above-described embodiment it is identical, it is equivalent or it is close or deformation after it is anticipated that Implementation result., still can be with using these modifications or the embodiment of deformed data acquisition, processing, output, judgment mode etc. Belong within the scope of the optional embodiment of the application.

Although this application provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive The means for the property made can include more or less operating procedures.The step of being enumerated in embodiment order is only numerous steps A kind of mode in execution sequence, does not represent unique execution sequence., can when device or client production in practice performs With according to embodiment, either method shown in the drawings order is performed or parallel performed (such as at parallel processor or multithreading The environment of reason, even distributed data processing environment).Term " comprising ", "comprising" or its any other variant are intended to contain Lid non-exclusive inclusion, so that process, method, product or equipment including a series of elements not only will including those Element, but also including other elements that are not explicitly listed, or further include as this process, method, product or equipment Intrinsic key element.In the absence of more restrictions, be not precluded from the process including the key element, method, product or Also there are other identical or equivalent elements in person's equipment.

Device that above-described embodiment illustrates or module etc., can specifically be realized by computer chip or entity, or by having There is the product of certain function to realize.For convenience of description, it is divided into various modules during description apparatus above with function to retouch respectively State.Certainly, the function of each module can be realized in same or multiple softwares and/or hardware when implementing the application, The module for realizing same function can be realized by the combination of multiple submodule etc..Device embodiment described above is only Schematically, for example, the division of the module, is only a kind of division of logic function, there can be other draw when actually realizing The mode of dividing, such as multiple module or components can combine or be desirably integrated into another system, or some features can be ignored, Or do not perform.

It is also known in the art that in addition to realizing controller in a manner of pure computer readable program code, it is complete Entirely can by by method and step carry out programming in logic come controller with logic gate, switch, application-specific integrated circuit, may be programmed The form of logic controller and embedded microcontroller etc. realizes identical function.Therefore this controller is considered one kind Hardware component, and the structure that can also be considered as to the device for being used for realization various functions that its inside includes in hardware component.Or The device for being used for realization various functions even, can be considered as either the software module of implementation method can be hardware again by person Structure in component.

The application can be described in the general context of computer executable instructions, such as program Module.Usually, program module includes performing particular task or realizes routine, program, object, the group of particular abstract data type Part, data structure, class etc..The application can also be put into practice in a distributed computing environment, in these distributed computing environment, By performing task by communication network and connected remote processing devices.In a distributed computing environment, program module can With in the local and remote computer-readable storage medium including storage device.

As seen through the above description of the embodiments, those skilled in the art can be understood that the application can Realized by the mode of software plus required general hardware platform.Based on such understanding, the technical solution essence of the application On the part that contributes in other words to the prior art can be embodied in the form of software product, the computer software product It can be stored in storage medium, such as ROM/RAM, magnetic disc, CD, including some instructions are used so that a computer equipment (can be personal computer, mobile terminal, server, either network equipment etc.) perform each embodiment of the application or implementation Method described in some parts of example.

Each embodiment in this specification is described by the way of progressive, the same or similar portion between each embodiment Divide mutually referring to what each embodiment stressed is the difference with other embodiment.The application can be used for crowd In more general or special purpose computing system environments or configuration.Such as：Personal computer, server computer, handheld device or Portable set, laptop device, multicomputer system, the system based on microprocessor, set top box, programmable electronics are set Standby, network PC, minicom, the distributed computing environment etc. of mainframe computer including any of the above system or equipment.

Although depicting the application by embodiment, it will be appreciated by the skilled addressee that the application have it is many deformation and Change is without departing from spirit herein, it is desirable to which appended embodiment includes these deformations and changes without departing from the application.

Claims

A kind of 1. data processing method, it is characterised in that including：

The characteristic information of pending data is obtained, wherein, the characteristic information of the pending data includes：In pending data The information and the first set of relations of second object in the information of an object, pending data, wherein, first set of relations is stored with For characterizing the data of relation between the first object and the second object based on the pending data；

Information, the second set of relations of the 3rd object are obtained, wherein, second set of relations is stored with to be treated for characterizing based on described The data of relation between the second object and the 3rd object of processing data；

According to the information of first object, the information of second object, the information of the 3rd object, first relation Collection and second set of relations, retain first set of relations, and are treated in first set of relations described in addition based on described The data of relation, obtain the 3rd set of relations between the second object and the 3rd object of processing data；

According to the 3rd set of relations, the pending data is handled.
2. according to the method described in claim 1, it is characterized in that, according to the 3rd set of relations, the pending number is handled According to, including：

According to the 3rd set of relations, the first information passage between second object and first object is established, it is described Second object sends data by the first information passage to first object；

According to the 3rd set of relations, the second information channel between second object and the 3rd object is established, it is described Second object sends data by second information channel to the 3rd object.
3. according to the method described in claim 2, it is characterized in that, it is based on first object of pending data and the second object Between the data of relation include at least one of：Second object sends time, described of data to first object Second object sends the mode of data to first object, second object is sent in data to first object Hold.
4. according to the method described in claim 2, it is characterized in that, it is based on second object of pending data and the 3rd object Between the data of relation include at least one of：Second object sends time, described of data to the 3rd object Second object sends the mode of data to the 3rd object, second object is sent in data to the 3rd object Hold.
5. according to the method described in claim 2, it is characterized in that, the 3rd object includes multiple subobjects.
6. according to the method described in claim 5, it is characterized in that, second object by second information channel to institute State the 3rd object and send data, including：

Second object sends subnumber respectively by multiple subobjects of second information channel into the 3rd object According to；Wherein, the subdata is data corresponding with subobject.
7. according to the method described in claim 1, it is characterized in that, the pending data includes Credit Assets, correspondingly, institute Stating the first object includes the debt side in the Credit Assets, and second object includes the credits side in the Credit Assets, 3rd object includes the assignee of the Credit Assets.
8. the method according to the description of claim 7 is characterized in that according to the information of first object, second object Information, information, first set of relations and second set of relations of the 3rd object, retain first set of relations, And the relation between the second object and the 3rd object based on the pending data is added in first set of relations Data, obtain the 3rd set of relations, including：

According to the information of the debt side, the information of the credits side, the information of the assignee, first set of relations and institute The second set of relations is stated, retains the first set of relations between the debt side and the credits side, and in first set of relations The data of relation between the credits side based on Credit Assets and the assignee are added, obtain credit agreement of transfer, And using the credit agreement of transfer as the 3rd set of relations.
9. according to the method described in claim 8, it is characterized in that, according to the 3rd set of relations, the pending number is handled According to, including：

According to the 3rd set of relations, the first information passage between the credits side and the debt side, the credits are established Side sends data by the first information passage to the debt side；

According to the 3rd set of relations, the second information channel between the credits side and the assignee, the credits are established Side sends data by second information channel to the assignee.
10. according to the method described in claim 9, it is characterized in that, the credits side by the first information passage to institute Stating the data of debt side's transmission includes at least one of：Refund information, interest-bearing information, pay off information.
11. according to the method described in claim 9, it is characterized in that, the credits side by second information channel to institute Stating the data of assignee's transmission includes at least one of：The capital information of assignee, the avail information of assignee, Credit Assets Health degree information.
12. the method according to the description of claim 7 is characterized in that the credits side includes bank, the assignee includes silver Row and/or Fiduciary.
A kind of 13. data processing equipment, it is characterised in that including：

First acquisition module, for obtaining the characteristic information of pending data, wherein, the characteristic information bag of the pending data Include：The information of second object and the first set of relations in the information of first object, pending data in pending data, wherein, institute State the first set of relations be stored with for characterize the first object and the second object based on the pending data between relation number According to；

Second acquisition module, for obtaining information, the second set of relations of the 3rd object, wherein, second set of relations is stored with For characterizing the data of relation between the second object and the 3rd object based on the pending data；

Establish module, for the information according to first object, the information of second object, the 3rd object letter Breath, first set of relations and second set of relations, retain first set of relations, and are added in first set of relations The data of relation, establish the 3rd set of relations between second object and the 3rd object based on the pending data；

Processing module, for according to the 3rd set of relations, handling the pending data.