CN111553788B - Capital business processing method and device based on big data, electronic equipment and medium - Google Patents

Capital business processing method and device based on big data, electronic equipment and medium Download PDF

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CN111553788B
CN111553788B CN202010348692.4A CN202010348692A CN111553788B CN 111553788 B CN111553788 B CN 111553788B CN 202010348692 A CN202010348692 A CN 202010348692A CN 111553788 B CN111553788 B CN 111553788B
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user
record
credit
information
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CN111553788A (en
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王金宝
王同民
曹志童
邵珠坤
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Haohuo (Suzhou) Digital Technology Co.,Ltd.
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Haohuo Kunshan Network Technology Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90Details of database functions independent of the retrieved data types
    • G06F16/901Indexing; Data structures therefor; Storage structures
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90Details of database functions independent of the retrieved data types
    • G06F16/903Querying
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"

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Abstract

The invention discloses a capital business processing method, a capital business processing device, electronic equipment and a medium based on big data. Wherein the method comprises the following steps: responding to a credit application request submitted by a user, acquiring credit authentication information, and verifying the credit authentication information of the information application request; if the verification is passed, creating a credit account for the user and setting payment backing rules for the credit account; and calling a fund settlement interface to carry out fund payment padding on the payment information associated with the credit account according to the padding rule to generate padding record information, and storing the padding record information into a database.

Description

Capital business processing method and device based on big data, electronic equipment and medium
Technical Field
The embodiment of the invention relates to the technical field of platform data processing, in particular to a capital business processing method and device based on big data, electronic equipment and a medium.
Background
At present, more and more flexible employment scenarios and demands appear in the market.
In many existing employment scenes, financial staff of different employment units usually settle money services related under flexible employment scenes manually according to the employment duration and the employment types of workers, and the employment units need to provide consideration for the workers in time.
However, in a flexible user scenario, the cooperative relationship between workers and the employment organization changes frequently, various related fund services are various and complex, and the employment organization often cannot settle the generated fund services in time when the fund turnover problem occurs, so that the existing fund service processing method cannot meet the actual requirements of the employment enterprises.
Disclosure of Invention
The invention provides a capital business processing method and device based on big data, electronic equipment and a medium name, so as to ensure that enterprise users can process capital business in time.
In a first aspect, an embodiment of the present invention provides a method for processing a fund service based on big data, including:
responding to a credit application request submitted by a user, acquiring credit authentication information, and verifying the credit authentication information of the information application request;
if the verification is passed, creating a credit account for the user and setting payment backing rules for the credit account;
and calling a fund settlement interface to carry out fund payment padding on the payment information associated with the credit account according to the padding rule to generate padding record information, and storing the padding example record into a database.
In a second aspect, an embodiment of the present invention further provides a capital business processing apparatus based on big data, including:
the response module is used for responding to a credit application request submitted by a user, acquiring credit authentication information and verifying the credit authentication information of the information application request;
the creating module is used for creating a credit account for the user and setting payment backing rules for the credit account if the verification is passed;
and the payment backing module is used for calling a fund settlement interface to carry out fund backing on the payment information associated with the credit account according to the backing rule, generating backing record information and storing the backing example record into a database.
In a third aspect, an embodiment of the present invention further provides an electronic device, where the electronic device includes:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a method of funds transaction processing as described in any of the above embodiments of the invention. .
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the big data based fund business processing method according to any one of the above embodiments of the present invention.
The method comprises the steps of responding to a credit application request submitted by a user, obtaining information authentication information, further verifying the credit authentication information of the credit application request, creating a credit account for the user and setting a payment backing rule for the credit account when the verification is passed, then calling a fund settlement interface to carry out fund payment backing on payment information associated with the credit account according to the payment backing rule, further generating payment backing record information, and storing the payment backing record information into a database. The embodiment of the invention provides an online fund service processing method based on big data, which is used for ensuring that an enterprise can process fund services in time by establishing a credit account for a user.
Drawings
Fig. 1 is a flowchart of a method for processing a big data-based fund service according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a big data-based fund business processing apparatus according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Fig. 1 is a flowchart of a big data-based fund service processing method according to an embodiment of the present invention, where the embodiment is applicable to a case where each fund service on a third party recruitment software platform is processed, and the method may be executed by a big data-based fund service processing apparatus, and specifically includes the following steps:
s110, responding to a credit application request submitted by a user, acquiring credit authentication information, and verifying the credit authentication information of the information application request.
In this embodiment, the related operations of the fund business processing design may be completed by the server, and the fund business processing in this embodiment may be applied to a third labor platform for "flexible labor". The user may be a recruitment enterprise providing recruitment opportunities.
The information application request is used for applying for a credit account on the third-party employment platform, the credit account can pre-pay bills to be paid for enterprises, the fund pressure of the enterprises of the clients can be relieved, and the commission is guaranteed to be distributed timely.
The credit authentication information can comprise a copy signed by a legal identity card of the user, a business license, identity information of a credit application actual operator, a trust certificate of the credit application actual operator and the like, and the safety of creating the credit account is guaranteed by verifying the authenticity and the validity of the credit authentication information.
And S120, if the verification is passed, creating a credit account for the user and setting payment backing rules for the credit account.
In this embodiment, if the authentication of the credit authentication information is not passed, the reason for the failed authentication is timely fed back to the user in a notification manner, and the user is timely reminded to correct the credit authentication information and resubmit the correct credit application request.
And if the verification is passed, calling an account creation interface to create a credit account for the user, and after the credit account of the user is created, the third-party employment platform can pay funds for the user in advance through the credit account.
The payment-stopping rule is a rule followed by the third party employment platform when the third party conducts fund service payment-stopping operation for the user, and can include but is not limited to payment-stopping period, payment-stopping amount, payment-stopping mode and the like. For example, the payment rule may set a payment amount for one payment, the payment times in a fixed time period, and a specified payment date of the payment fund. And by setting a payment padding rule, the capital padding process of the third-party employment platform is further standardized.
S130, calling a fund settlement interface to conduct fund payment padding on the payment information associated with the credit account according to the padding rule, generating padding record information, and storing the padding record information into a database.
In the embodiment, when the capital service is paid according to the capital settlement rule, the capital settlement interface is called to pay the capital service according to the capital settlement rule. After the payment operation is completed, the corresponding generated payment record is stored, and the payment record information is stored in a database for subsequent inquiry.
Optionally, the credit account is provided with different levels, and the higher the level is, the larger the corresponding underlying fund amount is. If the background detects that the illegal operation event occurs to the credit account, the level of the credit account can be correspondingly reduced, or the credit account is frozen. If the backstage detects that the fund service transaction information of the credit account is normal for a long period of time, the security level of the information account can be increased, and the higher the security level is, the larger the corresponding fund payment allowance is.
The method comprises the steps of responding to a credit application request submitted by a user, obtaining information authentication information, further verifying the credit authentication information of the credit application request, creating a credit account for the user and setting a payment backing rule for the credit account when the verification is passed, then calling a fund settlement interface to carry out fund payment backing on payment information associated with the credit account according to the payment backing rule, further generating payment backing record information, and storing the payment backing record information into a database. The embodiment of the invention provides an online fund service processing method based on big data, which is used for ensuring that an enterprise can process fund services in time by establishing a credit account for a user.
Further, on the basis of the above embodiment, the method further includes: responding to a query request of a target payment record; and matching the target payment record from the payment records stored in the database according to the identification information of the target payment record, and sending the target payment record to a user.
In a practical application scenario, it is usually necessary to query the generated payment record. For example, the payment record may be generated with a unique identifier and stored in the database when it is generated. When a certain target payment record is required to be inquired, the identification information of the target payment record can be submitted from an inquiry interface, the target identification information is matched with the payment records stored in the database, and the matched payment record is sent to a user as the target payment record for the user to check.
Optionally, the method further includes: determining the amount of the refund fee according to the commission payment amount of the user in the set time period and the set refund fee rule;
and auditing the return fee amount, and if the audit is passed, calling a fund settlement interface to recharge the return fee amount to a return fee account of the user.
In this embodiment, the third party employment platform issues a commission for the enterprise user and charges a certain fee, and when the commission amount paid by the enterprise user exceeds a set amount within a set time period, according to a preset fee-returning rule, the third party employment platform generates a certain fee-returning amount, which is returned to the account balance of the enterprise user. Furthermore, in the returning process, the returning fee amount needs to be checked again, and if the checking is passed, the fund settlement interface is called to recharge the returning fee amount to the returning fee account of the enterprise user.
Illustratively, the third party employment platform automatically generates an enterprise fee returning example 1 day per month according to the commission issuing condition and the established fee returning rule of the enterprise, and the fee returning amount is charged into the corresponding fee returning account of the enterprise after financial audit.
Further, on the basis of the above embodiment, the present invention further includes: responding to a cash withdrawal request initiated by a user; the cash withdrawal request carries cash withdrawal data;
according to a preset withdrawal wind control auditing rule, wind control auditing is carried out on withdrawal data based on big data;
and if the wind control audit of the cash withdrawal request is passed, controlling to execute the cash withdrawal request, generating a corresponding cash withdrawal record and storing the corresponding cash withdrawal record in a database.
The cash withdrawal data comprises information such as cash withdrawal amount, cash withdrawal time, cash withdrawal times and cash withdrawal account information.
When a user wants to carry out withdrawal, a withdrawal application can be initiated on the terminal equipment through a withdrawal operation interface of the third-party employment platform, and when the user initiates the withdrawal application, the platform can acquire withdrawal time, withdrawal amount, withdrawal account and other withdrawal data information of the withdrawal application.
The big data is a data set with large scale and greatly exceeding the capability range of the traditional database software tools in the aspects of acquisition, storage, management and analysis, and has the four characteristics of large data scale, rapid data circulation, various data types and low value density.
In this embodiment, the cash withdrawal wind control audit rule is used to perform security audit on the cash withdrawal data of the cash withdrawal request. For example, a set limit of one cash withdrawal can be set in the cash withdrawal wind control auditing rule, and cash withdrawal requests exceeding the set limit cannot be audited to pass; the cash withdrawal wind control auditing rule can verify the authenticity and validity of the cash withdrawal account so as to ensure the transaction safety of cash withdrawal funds, for example, the authenticity of target user data information related in a cash withdrawal request is verified according to user data information stored in a database so as to ensure the reliability of user identity.
In this embodiment, after the wind control audit of the cash withdrawal request is passed, it is indicated that the cash withdrawal application initiated by the current user is safe and effective, and then the cash withdrawal request is executed, and the corresponding cash withdrawal amount in the cash withdrawal request is transferred to the fund accounts of the user, such as a bank card, a payment treasure, and the like.
Further, after the withdrawal application is completed, a withdrawal record is correspondingly generated, the withdrawal record includes data information such as time and amount of successful withdrawal, identification information of the withdrawal record is generated, and the withdrawal record is correspondingly stored in the database. In the embodiment, the withdrawal record is generated and stored in the database, so that subsequent query of withdrawal applications is facilitated.
Optionally, on the basis of the foregoing embodiment, the method further includes: responding to a recharging application submitted by a user, acquiring recharging information, and auditing the recharging application according to the recharging information;
if the verification is passed, calling a fund settlement interface to increase the account balance of the user according to the recharging balance of the recharging application, generating a recharging application record, and storing the recharging application record into a database.
In the embodiment, the user can submit the fund recharging application through the fund recharging interface of the third-party employment platform by carrying out the fund recharging service on the account of the user. Illustratively, the fund recharging application comprises a recharging amount and a specific recharging mode, the recharging application is checked according to a preset recharging amount and a preset recharging mode, if the recharging application meets the preset recharging amount and the preset recharging mode, the recharging application is controlled to be executed, and the recharging amount is added to the account balance of the user.
After the fund recharging is completed, a recharging application record is correspondingly generated, the state of the recharging application record is changed into an applied state, and the recharging application record and the state of the recharging application record are stored in data for subsequent inquiry and use.
Fig. 2 is a schematic structural diagram of a capital business processing device based on big data according to an embodiment of the present invention. The device may execute a big data-based fund business processing method according to any of the above embodiments of the present invention. Referring to fig. 2, the method specifically includes a response module 210, a creation module 220, and a payment-by-pad module 230.
The response module 210 is configured to, in response to a credit application request submitted by a user, acquire credit authentication information, and verify the credit authentication information of the information application request;
the creating module 220 is used for creating a credit account for the user and setting payment backing rules for the credit account if the verification is passed;
and the payment backing module 230 is configured to invoke a fund settlement interface to perform fund backing on the payment information associated with the credit account according to the payment backing rule, generate payment backing record information, and store the payment backing record information in a database.
Wherein the payment rule comprises at least one of payment period, payment amount and payment mode.
Optionally, the apparatus further includes a query module, configured to: responding to a query request of a target payment record;
and matching the target payment record from the payment records stored in the database according to the identification information of the target payment record, and sending the target payment record to a user.
Optionally, the apparatus further includes a fee returning service processing module, configured to: determining the amount of the refund fee according to the commission payment amount of the user in the set time period and the set refund fee rule;
and auditing the return fee amount, and if the audit is passed, calling a fund settlement interface to recharge the return fee amount to a return fee account of the user.
Optionally, the apparatus further includes a cash-out service processing module, configured to: responding to a cash withdrawal request initiated by a user; the cash withdrawal request carries cash withdrawal data;
according to a preset withdrawal wind control auditing rule, wind control auditing is carried out on withdrawal data based on big data;
and if the wind control audit of the cash withdrawal request is passed, controlling to execute the cash withdrawal request, generating a corresponding cash withdrawal record and storing the corresponding cash withdrawal record in a database.
Optionally, the device further comprises a recharge service processing module, configured to respond to a recharge application submitted by a user, obtain recharge information, and audit the recharge application according to the recharge information;
if the verification is passed, calling a fund settlement interface to increase the account balance of the user according to the recharging balance of the recharging application, generating a recharging application record, and storing the recharging application record into a database.
The capital business processing device based on big data provided by the embodiment of the invention can execute the capital business processing method based on big data provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method.
Fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention, as shown in fig. 3, the electronic device includes a processor 310, a memory 320, an input device 330, and an output device 340; the number of the processors 310 in the electronic device may be one or more, and one processor 310 is taken as an example in fig. 3; the processor 310, the memory 320, the input device 330 and the output device 340 in the electronic apparatus may be connected by a bus or other means, and the connection by the bus is exemplified in fig. 3.
The memory 320 may be used as a computer-readable storage medium for storing software programs, computer-executable programs, and modules, such as program instructions/modules corresponding to the big data-based money business processing method in the embodiment of the present invention (for example, the response module 210, the creation module 220, and the payment by pad module 230 in the big data-based money business processing apparatus). The processor 310 executes various functional applications and data processing of the electronic device by executing software programs, instructions and modules stored in the memory 320, that is, implements the above-described capital business processing method based on big data.
The memory 320 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal, and the like. Further, the memory 320 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some examples, the memory 320 may further include memory located remotely from the processor 310, which may be connected to the electronic device through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 330 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic apparatus. The output device 340 may include a display device such as a display screen.
Embodiments of the present invention also provide a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a big data based fund business processing method, the method including:
responding to a credit application request submitted by a user, acquiring credit authentication information, and verifying the credit authentication information of the information application request;
if the verification is passed, creating a credit account for the user and setting payment backing rules for the credit account;
and calling a fund settlement interface to carry out fund payment padding on the payment information associated with the credit account according to the padding rule to generate padding record information, and storing the padding record information into a database.
Of course, the storage medium provided by the embodiment of the present invention contains computer-executable instructions, and the computer-executable instructions are not limited to the method operations described above, and may also perform related operations in the big data-based fund service processing method provided by any embodiment of the present invention.
From the above description of the embodiments, it is obvious for those skilled in the art that the present invention can be implemented by software and necessary general hardware, and certainly, can also be implemented by hardware, but the former is a better embodiment in many cases. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as a floppy disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a FLASH Memory (FLASH), a hard disk or an optical disk of a computer, and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device) to execute the methods according to the embodiments of the present invention.
It should be noted that, in the embodiment of the capital service processing device based on big data, the included units and modules are only divided according to functional logic, but are not limited to the above division, as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims (9)

1. A capital business processing method based on big data is characterized by comprising the following steps:
responding to a credit application request submitted by a user, acquiring credit authentication information, and verifying the credit authentication information of the credit application request;
if the verification is passed, creating a credit account for the user and setting payment backing rules for the credit account;
calling a fund settlement interface to carry out fund payment padding on the payment information associated with the credit account according to the padding rule to generate padding record information, and storing the padding record information into a database;
determining the amount of the refund fee according to the commission payment amount of the user in the set time period and the set refund fee rule;
and auditing the return fee amount, and if the audit is passed, calling a fund settlement interface to recharge the return fee amount to a return fee account of the user.
2. The method of claim 1, wherein the payment rule includes at least one of a payment due period, a payment amount, and a payment manner.
3. The method of claim 1, further comprising:
responding to a query request of a target payment record;
and matching the target payment record from the payment records stored in the database according to the identification information of the target payment record, and sending the target payment record to a user.
4. The method of claim 1, further comprising:
responding to a cash withdrawal request initiated by a user; the cash withdrawal request carries cash withdrawal data;
according to a preset withdrawal wind control auditing rule, wind control auditing is carried out on withdrawal data based on big data;
and if the wind control audit of the cash withdrawal request is passed, controlling to execute the cash withdrawal request, generating a corresponding cash withdrawal record and storing the corresponding cash withdrawal record in a database.
5. The method of claim 1, further comprising:
responding to a recharging application submitted by a user, acquiring recharging information, and auditing the recharging application according to the recharging information;
if the verification is passed, calling a fund settlement interface to increase the account balance of the user according to the recharging balance of the recharging application, generating a recharging application record, and storing the recharging application record into a database.
6. A big data based money transaction device, comprising:
the response module is used for responding to a credit application request submitted by a user, acquiring credit authentication information and verifying the credit authentication information of the credit application request;
the creating module is used for creating a credit account for the user and setting payment backing rules for the credit account if the verification is passed;
the payment underlay module is used for calling a fund settlement interface to carry out fund payment underlay on the payment information associated with the credit account according to the payment underlay rule to generate payment underlay record information and storing the payment underlay record information into a database;
the fee returning service processing module is used for determining the fee returning amount according to the commission payment amount of the user in the set time period and the set fee returning rule;
and auditing the return fee amount, and if the audit is passed, calling a fund settlement interface to recharge the return fee amount to a return fee account of the user.
7. The apparatus of claim 6, further comprising a query module configured to: responding to a query request of a target payment record;
and matching the target payment record from the payment records stored in the database according to the identification information of the target payment record, and sending the target payment record to a user.
8. An electronic device, characterized in that the electronic device comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement a method of funds transaction as claimed in any of claims 1 to 5.
9. A computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements a big data based money business process method according to any of claims 1-5.
CN202010348692.4A 2020-04-28 2020-04-28 Capital business processing method and device based on big data, electronic equipment and medium Active CN111553788B (en)

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CN110490564A (en) * 2019-08-01 2019-11-22 阿里巴巴集团控股有限公司 A kind of payment control method and device

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