CN111105304A - Data processing method and device, storage medium and electronic terminal - Google Patents
Data processing method and device, storage medium and electronic terminal Download PDFInfo
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- CN111105304A CN111105304A CN201911134379.4A CN201911134379A CN111105304A CN 111105304 A CN111105304 A CN 111105304A CN 201911134379 A CN201911134379 A CN 201911134379A CN 111105304 A CN111105304 A CN 111105304A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The present disclosure relates to the field of computer technologies, and in particular, to a data processing device, a data processing apparatus, a storage medium, and an electronic terminal. The method comprises the following steps: a first data service platform receives a risk guarantee contract processing request of a user; acquiring a risk guarantee contract configuration scheme selected by a user and calling a first parameter calculation interface to acquire pre-estimated financial parameters corresponding to the risk guarantee contract configuration scheme; responding to execution plan information of the user on the pre-estimated financial parameter configuration, packaging a risk guarantee contract configuration scheme, the pre-estimated financial parameters and the execution plan information to generate a user data packet; calling a second data transmission interface to send the user data packet to a second data service platform so as to obtain an evaluation result of the second data service platform on the user data packet; and the first data service platform receives the evaluation result and generates risk guarantee contract user data when the evaluation result comprises the first evaluation result. The method can save data processing flow.
Description
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a data processing method, a data processing apparatus, a storage medium, and an electronic terminal.
Background
With the rapid development of the internet, the internet financial business is also rapidly developed, and users can perform various businesses on the internet. For example, a user may shop, make money, or purchase financial products, etc. over the internet.
In the prior art, a user can transact financial services such as loan and staging through the Internet and also can purchase financial products such as insurance through the Internet. But the user can only select and purchase insurance products or transact related business in the website or application program of the insurance products; the financial business such as loan, staging and the like is transacted in the website or application program of the bank or financial institution.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.
Disclosure of Invention
An object of the present disclosure is to provide a data processing method, a data processing apparatus, a storage medium, and an electronic terminal, which enable direct interaction between different data processing platforms, thereby overcoming one or more problems caused by limitations and drawbacks of the related art at least to some extent.
Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.
According to a first aspect of the present disclosure, there is provided a data processing method comprising:
a first data service platform receives a risk guarantee contract processing request of a user;
acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire pre-estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
responding to the execution plan information configured by the user for the pre-estimated financial parameters, and packaging the risk guarantee contract configuration scheme, the pre-estimated financial parameters and the execution plan information to generate a user data packet;
calling a second data transmission interface to send the user data packet to a second data service platform so as to obtain an evaluation result of the second data service platform on the user data packet;
and the first data service platform receives the evaluation result and generates risk guarantee contract user data when the evaluation result comprises a first evaluation result.
In an exemplary embodiment of the present disclosure, the receiving, by the first data service platform, a risk guarantee contract processing request of a user includes:
responding to the selected operation of a target control in an interactive interface by a user, and generating the risk guarantee contract processing request;
the first data service platform receives the risk guarantee contract processing request and responds to the risk guarantee contract processing request to generate a target image uploading instruction;
the first data service platform receives a target certificate image uploaded by a user and identifies the target certificate image to acquire target certificate data.
In an exemplary embodiment of the disclosure, the recognizing the target document image to acquire target document data includes:
carrying out optical character recognition on the target certificate image to extract target certificate data;
and comparing the target certificate data with the basic information data of the user so as to verify the target certificate data and the basic information data of the user.
In an exemplary embodiment of the present disclosure, when the risk guarantee contract configuration scheme, the pre-estimated financial parameters, and the execution plan information are encapsulated to obtain the user data packet, the encapsulated data further includes:
any one or more of the user's target certificate data, basic data, and rights granting information.
In an exemplary embodiment of the present disclosure, the generating risk guarantee contract user data when the evaluation result includes a first evaluation result includes:
responding to a first financial behavior execution operation triggered by a user on the first evaluation result, and calling a third financial operation interface to enable the second data service platform to initiate a second financial behavior execution operation to the first data service platform;
and the first data service platform monitors a trigger result of the first financial operation and generates the risk guarantee contract user data when detecting the credential information of the second financial behavior execution operation.
In an exemplary embodiment of the present disclosure, when generating the risk guarantee contract user data, the method further includes:
and calling a fourth user processing data interface to configure the user as a guaranteed object of the risk guarantee contract.
In an exemplary embodiment of the present disclosure, the method further comprises:
monitoring update information of the risk guarantee contract user data of the user;
and when the updated information comprises the user non-compliance operation data, releasing the risk guarantee contract with the user, and configuring the user as a risk object.
According to a second aspect of the present disclosure, there is provided a data processing apparatus comprising:
the risk guarantee contract processing request receiving module is used for receiving a risk guarantee contract processing request of a user by the first data service platform;
the risk guarantee contract parameter configuration module is used for acquiring a risk guarantee contract configuration scheme selected by a user and calling a first parameter calculation interface to acquire pre-estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
the user data packet packaging module is used for responding to the execution plan information configured by the user on the pre-estimated financial parameters, packaging the risk guarantee contract configuration scheme, the pre-estimated financial parameters and the execution plan information to generate a user data packet;
the evaluation module is used for calling a second data transmission interface to send the user data packet to a second data service platform so as to obtain an evaluation result of the second data service platform on the user data packet;
and the evaluation result processing module is used for receiving the evaluation result by the first data service platform and generating risk guarantee contract user data when the evaluation result comprises a first evaluation result.
According to a third aspect of the present disclosure, there is provided a storage medium having stored thereon a computer program which, when executed by a processor, implements the data processing method described above.
According to a fourth aspect of the present disclosure, there is provided an electronic terminal comprising:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to perform the above-described data processing method via execution of the executable instructions
In the data processing method provided by the embodiment of the disclosure, a risk guarantee contract processing request of a user is received through a first data service platform and processed to obtain a user risk guarantee contract configuration scheme and corresponding execution plan information of pre-estimated financial parameters, each item of data is encapsulated to generate a user data packet, the user data packet is sent to a second data service platform, the second data service platform is used for evaluation, and an evaluation result is fed back to the first data service platform, so that the first data service platform can judge whether risk guarantee contract user data can be generated for the user according to the evaluation result. Through the direct calling of the data interface, the first data platform and the second data platform can directly transmit data and exchange information, and the condition that a user needs to submit different processing requests in two data service platforms respectively is avoided. The treatment process is saved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty.
FIG. 1 schematically illustrates a flow diagram of a data processing method in an exemplary embodiment of the disclosure;
FIG. 2 schematically illustrates a schematic diagram of an interactive interface for a user to upload a target document image in an exemplary embodiment of the disclosure;
FIG. 3 is a schematic diagram illustrating an interactive interface presenting execution plan information for pre-estimated financial parameters in an exemplary embodiment of the present disclosure;
FIG. 4 is a schematic diagram illustrating an interactive interface for information presentation after an insurance application is successful in an exemplary embodiment of the disclosure;
FIG. 5 is a schematic diagram illustrating an interactive interface for user payment in an exemplary embodiment of the present disclosure;
FIG. 6 is a schematic diagram illustrating an interactive interface for success of an application in an exemplary embodiment of the present disclosure;
FIG. 7 is a schematic diagram illustrating components of a data processing apparatus according to an exemplary embodiment of the present disclosure;
FIG. 8 schematically illustrates a composition diagram of an electronic device in an exemplary embodiment of the disclosure;
fig. 9 schematically illustrates a schematic diagram of a program product in an exemplary embodiment of the disclosure.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.
The present exemplary embodiment first provides a data processing method. Referring to fig. 1, the data processing method described above may include the steps of:
step S11, the first data service platform receives the risk guarantee contract processing request of the user;
step S12, acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire pre-estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
step S13, responding to the execution plan information configured by the user for the pre-estimated financial parameters, packaging the risk guarantee contract configuration scheme, the pre-estimated financial parameters and the execution plan information to generate a user data packet;
step S14, a second data transmission interface is called to send the user data packet to a second data service platform so as to obtain the evaluation result of the second data service platform on the user data packet;
step S15, the first data service platform receives the evaluation result, and generates risk guarantee contract user data when the evaluation result includes the first evaluation result.
In the data processing method provided by the exemplary embodiment, a risk guarantee contract processing request of a user is received through a first data service platform and processed to obtain a user risk guarantee contract configuration scheme and corresponding execution plan information of pre-estimated financial parameters, each item of data is encapsulated to generate a user data packet, the user data packet is sent to a second data service platform, the second data service platform is used for evaluation, and an evaluation result is fed back to the first data service platform, so that the first data service platform can judge whether risk guarantee contract user data can be generated for the user according to the evaluation result. On one hand, the first data platform and the second data platform can directly transmit data and exchange information by directly calling the data interface; on the other hand, the user can be prevented from submitting different processing requests in the two data service platforms respectively. The treatment process is saved.
Hereinafter, each step in the data processing method in the present exemplary embodiment will be described in more detail with reference to the drawings and examples.
In step S11, the first data service platform receives a risk guarantee contract processing request of the user.
In this example embodiment, a first data service platform may be provided, where the first data service platform may be run on a server side and provide a front-end interaction interface for interacting with a user. For example, the front-end interactive interface can be in the form of a web page, an application program, a wechat applet, a wechat public number or the like, so that a user can select, input, upload, download and the like through the interactive interface.
Specifically, the above step S11 may include the following:
step S111, responding to the selection operation of the target control in the interactive interface by the user, and generating the risk guarantee contract processing request;
step S112, the first data service platform receives the risk guarantee contract processing request and responds to the risk guarantee contract processing request to generate a target image uploading instruction;
step S113, the first data service platform receives a target certificate image uploaded by a user, and identifies the target certificate image to acquire target certificate data.
For example, the risk guarantee contract processing request may be an application processing request for a target insurance product; the first data service platform may be an insurance data service platform, and operates on a background server side.
Meanwhile, a user front end can be provided, and a plurality of controls of insurance products can be displayed for the user in the interactive interface. For example, when a user selects a control corresponding to an insurance product by clicking and other operations, a processing request for a target insurance product can be triggered, and the request is sent to the insurance data service platform. After receiving a processing request aiming at a target insurance commodity, the insurance data service platform can generate a target image uploading instruction and provide an interface for a user to upload a certificate photo in the interactive interface, so that the user can upload the certificate image through the interface.
For example, referring to the interactive interface shown in fig. 2, when the target insurance product selected by the user is a car insurance product, the user can upload a picture of a vehicle driving license and a picture of an identification card. If the target insurance commodity selected by the user is personal insurance, the user can upload the identity card photo.
In this exemplary embodiment, after receiving the certificate photo uploaded by the user, the first data service platform may identify the certificate photo and extract the target certificate data. Specifically, the method may include:
step S1131, performing optical character recognition on the target certificate image to extract target certificate data;
step S1131, comparing the target certificate data with the basic information data of the user, so as to verify the target certificate data and the basic information data of the user.
After the certificate image is acquired, an OCR recognition interface may be called, and an OCR (Optical character recognition) technology may be used to recognize the certificate photo and extract the certificate data. For example, for a motor vehicle license, one or more items of data among a license plate number, a vehicle type, an owner, a use property, a brand model, a vehicle identification code, an engine number, a registration date, and a certification authority may be extracted. For the identity card, the user basic information such as name, identity card number and the like can be extracted. After the identification is finished, the information of all the identified people can be compared with the name of the user to judge whether the information is consistent with the name of the user. In addition, after the information of the type and the brand model of the vehicle is identified, the vehicle type query data interface service can be called to query the detailed information of the vehicle. Thereby realizing the verification of the vehicle and personnel information.
Step S12, acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire an estimated financial parameter corresponding to the risk guarantee contract configuration scheme.
In this example embodiment, the user may select a specific risk category and an insurance number in the interactive interface of the terminal, so as to generate a corresponding risk guarantee contract configuration scheme. After the specific configuration scheme is generated, the first parameter calculation interface can be called to call premium calculation service, the specific premium under the current configuration scheme is calculated, and the financial parameters are pre-estimated. The calculation result of the premium can be pushed to an interaction interface to be displayed for the user.
In addition, in some embodiments of the present example, the identified target certificate data, vehicle information, user information, and data such as a configuration scheme and an estimated cost of the target insurance product may be encapsulated to obtain an underwriting data package. And invoking an underwriting rule engine service to underwrit the underwriting data packet of the user. For example, the underwriting rules engine may verify the policy according to the insurance scheme, the historical vehicle insurance information, the historical vehicle payment information, and other data, and determine whether the policy meets the insurance requirements of the underwriting organization. If the underwriting result meets the underwriting requirement, the related information can be displayed in an interactive interface as shown in FIG. 4, and the subsequent operation is continuously executed. Or if the underwriting result does not meet the underwriting requirement, prompt information can be generated to prompt the user that the underwriting operation cannot be performed.
Step S13, in response to the execution plan information configured by the user for the pre-estimated financial parameters, packaging the risk guarantee contract configuration scheme, the pre-estimated financial parameters, and the execution plan information to generate a user data packet.
In the exemplary embodiment, referring to fig. 3, the user may also be provided with options for loan staging for a premium in the interactive interface, such as 3-month, 6-month, and 12-month options. When the user selects a staging option, the execution plan information of the pre-estimated financial parameter configuration is triggered and generated, and at the moment, the basic data of the user, the identified target certificate data, the authority grant information of the user about credit investigation, the specific insurance scheme, the pre-estimated premium, the specific staging plan, the user protocol and other data can be encapsulated, and a user data packet is generated.
Step S14, invoking a second data transmission interface to send the user data packet to a second data service platform, so as to obtain an evaluation result of the user data packet by the second data service platform.
In this exemplary embodiment, after the first data service platform generates the user data packet, the first data service platform may invoke the second data transmission interface to invoke the data transmission service, and send the user data packet to the second data service platform.
For example, the second data service platform may be a loan issuer or a financial institution, and the second data service platform may be executed on the server side. For the second data service platform, after receiving the user data packet, the second data service platform can decapsulate the user data packet and extract the related information of the user. For example, can
And evaluates whether or not a loan may be issued for the current user according to preset rules. And sending the specific evaluation result to the first data service platform and the user side. For example, the user may be notified of the evaluation result by a short message.
Step S15, the first data service platform receives the evaluation result, and generates risk guarantee contract user data when the evaluation result includes the first evaluation result.
In this exemplary embodiment, after receiving the evaluation result sent by the second data service platform, the first data service platform may analyze the evaluation result. If the evaluation result is the first evaluation result, that is, the loan application is successful, the corresponding result can be displayed on the terminal device. Or, if the evaluation result is the second evaluation result, that is, the loan application fails, the corresponding result may be displayed on the terminal device as well.
Specifically, when the evaluation result is the first evaluation result, the step S15 may include the following steps:
step S151, responding to a first financial behavior execution operation triggered by a user on the first evaluation result, and calling a third financial operation interface to enable the second data service platform to initiate a second financial behavior execution operation to the first data service platform;
step S152, the first data service platform monitors a trigger result of the first financial operation, and generates the risk guarantee contract user data when detecting credential information of the second financial behavior execution operation.
Step S153, calling a fourth user processing data interface, and configuring the user as a guaranteed object of the risk guarantee contract.
For example, a control for initiating payment may be provided on the interactive interface, such as the "confirm payment" control in the interactive interface shown in FIG. 5. When the user clicks the control for initiating payment, the execution operation of the first financial behavior of the first evaluation result is triggered, namely the payment operation is triggered, at the moment, the third financial operation interface can be called, payment calling is initiated according to a preset transmission protocol and an encryption mode, and the second data service platform initiates the execution operation of the second financial behavior to the first data service platform according to the calling information. For example, after the financial structure receives the confirmation loan and payment information of the user, the financial structure can trigger an enterprise account money transfer operation to transfer the account of the insurance amount to the first data service platform.
Meanwhile, after the user triggers the first financial behavior execution operation, the first data service platform can detect the second data service platform and judge whether the second data service platform actually performs the second financial behavior execution operation. For example, the insurance data services platform may detect whether transfer information for a financial structure, such as transfer credentials, is received. When the transfer information is received, the payment is confirmed to be successful, and corresponding policy information can be generated and displayed in the interactive interface as shown in fig. 6. For example, the first data service platform may invoke an underwriting fee outlet sheet to interface with the service generation policy. And simultaneously, sending the generated policy number and related policy information to a short message to the client. And calling a policy freezing interface, putting the policy in a rights and interests protection state, and taking the user as a guaranteed user.
Based on the above, in the present exemplary embodiment, the method described above may further include:
step S21, monitoring update information of the risk guarantee contract user data of the user;
and step S22, when the updated information includes the user non-compliance operation data, releasing the risk guarantee contract with the user and configuring the user as a risk object.
Specifically, after the user successfully applies insurance and pays, the financial behavior and the insurance behavior of the user can be monitored during the period that the user is ensured, and the risk guarantee contract user data of the user can be updated in real time.
For example, the payment behavior of the user can be monitored to determine whether to pay on time. Specifically, the second data service platform may periodically detect whether the transfer information of the user is received according to a time agreed in a risk guarantee contract with the user, for example, monitor through the transfer voucher information. And if the credential information corresponding to the user is detected, not executing the operation. And if the credential information is not detected, sending the update information of the user non-compliance operation data to the first data service platform. Or the unconventional operation to be tolled can also be unconventional operation data uploaded by triggering of fraudulent activities of the user, and the like.
After receiving the update information of the data which is not in compliance with the operation of the user, the first data service platform can release the risk guarantee contract with the user, remove the user from the guaranteed object list of the risk guarantee contract and add the user into the risk user list. Meanwhile, when the user is moved out of the risk guarantee contract guaranteed object list, the first data service platform can be triggered to calculate the residual amount of the insurance policy of the user according to a preset rule, and the execution of a third financial behavior execution operation is triggered. For example, the third financial action performing operation may be a transfer operation by the first data service platform to the second data service platform for a remaining amount of the policy.
In the data processing method provided by each embodiment of the disclosure, when a user triggers an application request on a first data service platform, the user can upload and identify a certificate image, and evaluate whether the application is possible according to information of the user. Upon evaluating that an underwriting is possible and selecting an installment payment, relevant user data is sent by the first data service platform directly to the second data service platform. And when the second data service platform evaluates that the user can be loaned, feeding relevant information back to the first data service platform and the user. The second data interaction platform can directly transfer funds to the first data interaction platform, so that the funds do not pass through a customer, and illegal financial behaviors of the user are effectively avoided. Meanwhile, the two data processing platforms can directly carry out data interaction and evaluation on the user, and execute corresponding operation. The processing flow of the user is greatly simplified, and the user is prevented from respectively operating and uploading information on the two platforms. In addition, by monitoring the user behavior during the user guarantee period, the determined risk guarantee contract can be adjusted in real time according to the user behavior
It is to be noted that the above-mentioned figures are only schematic illustrations of the processes involved in the method according to an exemplary embodiment of the invention, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
Further, referring to fig. 7, in the present exemplary embodiment, there is also provided a data processing apparatus 70, including: a risk guarantee contract processing request receiving module 701, a risk guarantee contract parameter configuration module 702, a user data packet encapsulation module 703, an evaluation module 704, and an evaluation result processing module 705. Wherein:
the risk guarantee contract processing request receiving module 701 may be configured to receive a risk guarantee contract processing request of a user by a first data service platform.
The risk guarantee contract parameter configuration module 702 may be configured to obtain a risk guarantee contract configuration scheme selected by a user, and call a first parameter calculation interface to obtain an estimated financial parameter corresponding to the risk guarantee contract configuration scheme.
The user data packet encapsulation module 703 may be configured to encapsulate the risk guarantee contract configuration scheme, the estimated financial parameters, and the execution plan information to generate a user data packet in response to the execution plan information configured by the user for the estimated financial parameters.
The evaluation module 704 may be configured to invoke a second data transmission interface to send the user data packet to a second data service platform, so as to obtain an evaluation result of the second data service platform on the user data packet.
The evaluation result processing module 705 may be configured to receive the evaluation result by the first data service platform, and generate risk guarantee contract user data when the evaluation result includes the first evaluation result.
In this exemplary embodiment, the risk guarantee contract processing request receiving module 701 may include: the system comprises a risk guarantee contract processing request generating unit, a target image uploading instruction generating unit and a target certificate data acquiring unit. Wherein the content of the first and second substances,
the risk guarantee contract processing request generating unit may be configured to generate the risk guarantee contract processing request in response to a selection operation of a target control in an interactive interface by a user.
The target image uploading instruction generating unit may be configured to receive the risk guarantee contract processing request by the first data service platform, and generate a target image uploading instruction in response to the risk guarantee contract processing request.
The target certificate data acquisition unit can be used for the first data service platform to receive a target certificate image uploaded by a user and identify the target certificate image to acquire target certificate data.
In the present exemplary embodiment, the target certificate data acquisition unit may include: and the certificate identification and information verification unit. Wherein the content of the first and second substances,
the document identification can be used to perform optical character recognition on the target document image to extract target document data.
The information verification unit may be configured to compare the target certificate data with the basic information data of the user, so as to verify the target certificate data and the basic information data of the user.
In the present exemplary embodiment, the encapsulated data further includes:
any one or more of the user's target certificate data, basic data, and rights granting information.
In this exemplary embodiment, the evaluation module 704 may further include: and a user transmission module.
The user transmission module may be configured to send the evaluation result to the user.
In the present exemplary embodiment, the evaluation result processing module 705 may include: the second financial behavior execution operation triggering unit and the risk guarantee contract user data generating unit.
The system can be used for responding to a first financial behavior execution operation triggered by a user on the first evaluation result, and calling a third financial operation interface to enable the second data service platform to initiate a second financial behavior execution operation to the first data service platform.
The risk guarantee contract user data generating unit may be configured to monitor a trigger result of the first financial operation by the first data service platform, and generate the risk guarantee contract user data when credential information of an operation performed by the second financial behavior is detected.
In this exemplary embodiment, the evaluation result processing module 705 may further include: and a user configuration unit.
The user configuration unit may be configured to invoke a fourth user processing data interface, and configure the user as a risk insurance contract secured object.
In the present exemplary embodiment, the apparatus 70 further includes: the system comprises a user update information monitoring module and a risk object configuration module. Wherein the content of the first and second substances,
the user update information monitoring module may be configured to monitor update information of the risk guarantee contract user data of the user.
The risk object configuration module may be configured to release a risk guarantee contract with the user and configure the user as a risk object when the update information includes user non-compliance operation data.
The details of each module in the data processing apparatus 70 are already described in detail in the corresponding data processing method, and therefore are not described herein again.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
In an exemplary embodiment of the present disclosure, an electronic device capable of implementing the above method is also provided.
As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.
An electronic device 800 according to this embodiment of the invention is described below with reference to fig. 8. The electronic device 800 shown in fig. 8 is only an example and should not bring any limitations to the function and scope of use of the embodiments of the present invention.
As shown in fig. 8, electronic device 800 is in the form of a general purpose computing device. The components of the electronic device 800 may include, but are not limited to: the at least one processing unit 810, the at least one memory unit 820, and a bus 830 that couples the various system components including the memory unit 820 and the processing unit 810.
Wherein the storage unit stores program code that is executable by the processing unit 810 to cause the processing unit 810 to perform steps according to various exemplary embodiments of the present invention as described in the above section "exemplary methods" of the present specification. For example, the processing unit 810 may perform a method as shown in fig. 1.
The storage unit 820 may include readable media in the form of volatile memory units such as a random access memory unit (RAM)8201 and/or a cache memory unit 8202, and may further include a read only memory unit (ROM) 8203.
The storage unit 820 may also include a program/utility 8204 having a set (at least one) of program modules 8205, such program modules 8205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The electronic device 800 may also communicate with one or more external devices 600 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 800, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 800 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interfaces 850. Also, the electronic device 800 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the internet) via the network adapter 860. As shown, the network adapter 860 communicates with the other modules of the electronic device 800 via the bus 830. It should be appreciated that although not shown, other hardware and/or software modules may be used in conjunction with the electronic device 800, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a terminal device, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
In an exemplary embodiment of the present disclosure, there is also provided a computer-readable storage medium having stored thereon a program product capable of implementing the above-described method of the present specification. In some possible embodiments, aspects of the invention may also be implemented in the form of a program product comprising program code means for causing a terminal device to carry out the steps according to various exemplary embodiments of the invention described in the above section "exemplary methods" of the present description, when said program product is run on the terminal device.
Referring to fig. 9, a program product 900 for implementing the above method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a 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.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
A computer readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and 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).
Furthermore, the above-described figures are merely schematic illustrations of processes involved in methods according to exemplary embodiments of the invention, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is to be limited only by the terms of the appended claims.
Claims (10)
1. A data processing method, comprising:
a first data service platform receives a risk guarantee contract processing request of a user;
acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire pre-estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
responding to the execution plan information configured by the user for the pre-estimated financial parameters, and packaging the risk guarantee contract configuration scheme, the pre-estimated financial parameters and the execution plan information to generate a user data packet;
calling a second data transmission interface to send the user data packet to a second data service platform so as to obtain an evaluation result of the second data service platform on the user data packet;
and the first data service platform receives the evaluation result and generates risk guarantee contract user data when the evaluation result comprises a first evaluation result.
2. The method of claim 1, wherein the first data service platform receives a risk guarantee contract processing request from a user, and comprises:
responding to the selected operation of a target control in an interactive interface by a user, and generating the risk guarantee contract processing request;
the first data service platform receives the risk guarantee contract processing request and responds to the risk guarantee contract processing request to generate a target image uploading instruction;
the first data service platform receives a target certificate image uploaded by a user and identifies the target certificate image to acquire target certificate data.
3. The method of claim 2, wherein the identifying the target document image to obtain target document data comprises:
carrying out optical character recognition on the target certificate image to extract target certificate data;
and comparing the target certificate data with the basic information data of the user so as to verify the target certificate data and the basic information data of the user.
4. The method of claim 1, wherein when encapsulating the risk guarantee contract configuration scheme, the pre-estimated financial parameters, and the execution plan information to obtain the user data packet, the encapsulated data further comprises:
any one or more of the user's target certificate data, basic data, and rights granting information.
5. The method of claim 1, wherein generating risk guarantee contract user data when the evaluation result comprises a first evaluation result comprises:
responding to a first financial behavior execution operation triggered by a user on the first evaluation result, and calling a third financial operation interface to enable the second data service platform to initiate a second financial behavior execution operation to the first data service platform;
and the first data service platform monitors a trigger result of the first financial operation and generates the risk guarantee contract user data when detecting the credential information of the second financial behavior execution operation.
6. The method according to claim 1 or 5, wherein the generating the risk assurance contract user data further comprises:
and calling a fourth user processing data interface to configure the user as a guaranteed object of the risk guarantee contract.
7. The method of claim 1, further comprising:
monitoring update information of the risk guarantee contract user data of the user;
and when the updated information comprises the user non-compliance operation data, releasing the risk guarantee contract with the user, and configuring the user as a risk object.
8. A data processing apparatus, comprising:
the risk guarantee contract processing request receiving module is used for receiving a risk guarantee contract processing request of a user by the first data service platform;
the risk guarantee contract parameter configuration module is used for acquiring a risk guarantee contract configuration scheme selected by a user and calling a first parameter calculation interface to acquire pre-estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
the user data packet packaging module is used for responding to the execution plan information configured by the user on the pre-estimated financial parameters, packaging the risk guarantee contract configuration scheme, the pre-estimated financial parameters and the execution plan information to generate a user data packet;
the evaluation module is used for calling a second data transmission interface to send the user data packet to a second data service platform so as to obtain an evaluation result of the second data service platform on the user data packet;
and the evaluation result processing module is used for receiving the evaluation result by the first data service platform and generating risk guarantee contract user data when the evaluation result comprises a first evaluation result.
9. A storage medium having stored thereon a computer program which, when executed by a processor, implements a data processing method according to any one of claims 1 to 7.
10. An electronic terminal, comprising:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to perform the data processing method of any of claims 1 to 7 via execution of the executable instructions.
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