CN113159733A - Online processing method, device and equipment for accumulation fund extraction service and storage medium - Google Patents
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Abstract
The embodiment of the specification relates to the technical field of automatic program design, and provides an online processing method, device, equipment and storage medium for a public accumulation fund extraction service, wherein the method comprises the following steps: acquiring identity identification information of a user; generating and outputting a candidate set of extracted reason parameters according to the identity identification information and a preset business rule matrix; receiving a request for extracting the accumulation fund; the accumulation fund extraction request comprises: the user selects a target extraction reason parameter from the extraction reason parameter candidate set; performing government affair checking treatment on the user; when the user passes the government affair check, calling a corresponding calculation engine to extract the public deposit according to the target extraction reason parameter, and the embodiment of the specification can improve the processing efficiency of the public deposit extraction service.
Description
Technical Field
The present disclosure relates to the field of automatic programming technologies, and in particular, to an online processing method, an online processing device, an online processing apparatus, and a storage medium for a public deposit fund extraction service.
Background
The method for drawing the accumulation fund (namely the housing accumulation fund) refers to that a payer handles an accumulation fund drawing procedure to related departments (such as an accumulation fund center and the like) for drawing the accumulation fund according to the requirement for drawing the accumulation fund, and partial or all money in an accumulation fund account is drawn into a personal bank account. At present, when a payer initiates a request for picking up a public deposit, the payer or a unit needs to carry various paper materials to a counter of a related department for handling business. Obviously, the processing efficiency of the accumulation fund extraction service is low, and the user experience is poor.
Disclosure of Invention
An object of the embodiments of the present specification is to provide an online processing method, an online processing device, an online processing apparatus, and a storage medium for a public accumulation fund extraction service, so as to improve processing efficiency of the public accumulation fund extraction service.
In order to achieve the above object, in one aspect, an embodiment of the present specification provides an online processing method for a deposit fund extraction service, including:
acquiring identity identification information of a user;
generating and outputting a candidate set of extracted reason parameters according to the identity identification information and a preset business rule matrix;
receiving a request for extracting the accumulation fund; the accumulation fund extraction request comprises: the user selects a target extraction reason parameter from the extraction reason parameter candidate set;
performing government affair checking treatment on the user;
and when the user passes the government affair check, calling a corresponding calculation engine to extract the accumulation fund according to the target extraction reason parameter.
In an embodiment of this specification, the generating and outputting a candidate set of extracted cause parameters according to the identity information and a preset business rule matrix includes:
acquiring corresponding user basic information from a service system database according to the identity identification information;
matching and extracting reason parameters from a preset business rule matrix according to the user basic information, and forming an extracted reason parameter candidate set according to the extracted reason parameters;
and outputting the candidate set of the extracted reason parameters for the user to select.
In an embodiment of the present specification, a corresponding relationship between a public deposit extraction cause parameter and a business rule is configured in the business rule matrix.
In an embodiment of this specification, the matching and extracting a cause parameter from a preset business rule matrix according to the user basic information includes:
for each extracted reason parameter in the business rule matrix, judging whether the user meets a corresponding business rule or not based on the user basic information;
and if so, adding the extraction reason parameter into the extraction reason parameter candidate set.
In the embodiments of the present specification, the business rule matrix is obtained by reading a configuration file.
In an embodiment of this specification, the performing, by the user, government affair checking processing includes:
confirming whether the application material information of the user exists in a service system database;
when the application material information of the user does not exist in the service system database, acquiring a government affair checking interface from a government affair checking interface set;
calling the government affair checking interface to send a government affair checking request to a corresponding government affair checking system;
and receiving a government affair checking result returned by the government affair checking system.
In an embodiment of this specification, the performing government affairs checking processing on the user further includes:
and when the application material information of the user exists in the service system database, determining whether the user passes government affair checking according to the application material information.
In an embodiment of the present specification, the set of government affairs checking interfaces includes some or all of the following interfaces:
a resident identification card information inquiry interface;
a marital registration information inquiry interface;
a house-buying contract information inquiry interface;
a real estate information query interface;
a remote accumulation fund loan information query interface;
a commercial loan information query interface;
a death certificate information query interface;
and a low-security rescue information inquiry interface.
In an embodiment of this specification, the invoking a corresponding calculation engine according to the target extraction cause parameter to perform a public deposit extraction process includes:
and calling a corresponding extraction limit calculation engine according to the target extraction reason parameter to perform extraction limit calculation, and obtaining the extraction limit of the user under the target extraction reason parameter.
In an embodiment of this specification, the invoking a corresponding calculation engine according to the target extraction cause parameter to perform a public deposit extraction process includes:
and calling a corresponding extractable amount calculation engine according to the target extraction reason parameter to calculate the extractable amount, and obtaining the current extractable amount of the user under the target extraction reason parameter.
In an embodiment of this specification, after the invoking a corresponding calculation engine according to the target extraction cause parameter to perform a public fund extraction process, the method further includes:
and returning the extraction processing result of the accumulation fund.
In an embodiment of this specification, the identification information includes any one of the following:
name + identification number;
name + the public accumulation fund account number.
On the other hand, an embodiment of the present specification further provides an online processing apparatus for a deposit fund extraction service, including:
the identity identification acquisition module is used for acquiring identity identification information of a user;
the extraction reason recommending module is used for generating and outputting an extraction reason parameter candidate set according to the identity identification information and a preset business rule matrix;
the extraction request receiving module is used for receiving the accumulation fund extraction request; the accumulation fund extraction request comprises: the user selects a target extraction reason parameter from the extraction reason parameter candidate set;
the government affair checking processing module is used for carrying out government affair checking processing on the user;
and the public accumulation fund extraction processing module is used for calling a corresponding calculation engine to extract the public accumulation fund according to the target extraction reason parameter when the user passes the government affair check.
In another aspect, the embodiments of the present specification further provide a computer device, which includes a memory, a processor, and a computer program stored on the memory, and when the computer program is executed by the processor, the computer program executes the instructions of the above method.
In another aspect, the present specification further provides a computer storage medium, on which a computer program is stored, and the computer program is executed by a processor of a computer device to execute the instructions of the method.
As can be seen from the technical solutions provided by the embodiments of the present specification, in the embodiments of the present specification, after the identity information of the user is obtained, an extraction reason parameter candidate set may be generated and output according to the identity information and a preset business rule matrix, so that the user may select the candidate set before initiating the request for extracting the public accumulation fund; on the basis, after receiving a public accumulation fund extraction request carrying an extraction reason parameter, performing government affair check processing on the user to confirm that the user has the public accumulation fund extraction qualification; if the user passes the government affair check, the corresponding calculation engine can be called according to the extraction reason parameter to carry out the extraction processing of the public accumulation fund, thereby realizing the online processing of the public accumulation fund extraction service and improving the processing efficiency of the public accumulation fund extraction service. Moreover, because the embodiments of the present specification can automatically recommend the selectable extraction reason parameters according to the identity information and the preset business rule matrix, the problem of failure in the user's request for extracting the public accumulation fund due to improper selection of the extraction reason is also reduced or avoided, so that the processing efficiency of the business for extracting the public accumulation fund is further improved, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort. In the drawings:
FIG. 1 illustrates a flow diagram of a method for processing accumulation fund extraction on-line in some embodiments of the present description;
FIG. 2 is a schematic diagram of a business rule matrix in one embodiment of the present description;
FIG. 3 is a block diagram illustrating the architecture of an on-line processing device for a accumulation fund extraction service in some embodiments of the present disclosure;
FIG. 4 shows a block diagram of a computing device in some embodiments of the present description.
[ description of reference ]
31. An identity acquisition module;
32. a reason extraction recommending module;
33. an extraction request receiving module;
34. a government affair checking processing module;
35. a accumulation fund extraction processing module;
402. a computer device;
404. a processor;
406. a memory;
408. a drive mechanism;
410. an input/output module;
412. an input device;
414. an output device;
416. a presentation device;
418. a graphical user interface;
420. a network interface;
422. a communication link;
424. a communication bus.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.
Embodiments of an online processing method for a accumulation fund extraction service are provided and may be applied to any suitable computer device. Referring to fig. 1, in some embodiments of the present disclosure, the method for processing the accumulation fund extraction service line may include the following steps:
s101, obtaining identity identification information of a user.
And S102, generating and outputting a candidate set for extracting the reason parameters according to the identity identification information and a preset business rule matrix.
S103, receiving a public accumulation fund extraction request; the accumulation fund extraction request comprises: and the user selects a target extraction reason parameter from the extraction reason parameter candidate set.
And S104, performing government affair checking treatment on the user.
And S105, calling a corresponding calculation engine to extract the accumulation fund according to the target extraction reason parameter when the user passes the government affair check.
In the embodiment of the present specification, after the identity information of the user is obtained, a candidate set of extraction cause parameters may be generated and output according to the identity information and a preset business rule matrix, so that the user may select the candidate set before initiating a request for extracting a public deposit fund; on the basis, after receiving a public accumulation fund extraction request carrying an extraction reason parameter, performing government affair check processing on the user to confirm that the user has the public accumulation fund extraction qualification; if the user passes the government affair check, the corresponding calculation engine can be called according to the extraction reason parameter to carry out the extraction processing of the public accumulation fund, thereby realizing the online processing of the public accumulation fund extraction service and improving the processing efficiency of the public accumulation fund extraction service. Moreover, because the embodiments of the present specification can automatically recommend the selectable extraction reason parameters according to the identity information and the preset business rule matrix, the problem of failure in the user's request for extracting the public accumulation fund due to improper selection of the extraction reason is also reduced or avoided, so that the processing efficiency of the business for extracting the public accumulation fund is further improved, and the user experience is improved.
The user in the present specification generally refers to a public accumulation fund payment user, and the user may interact with the server through the client to apply for a public accumulation fund extraction service on line. The identity identification information of the user is used for uniquely identifying a public accumulation fund payment user. Generally, the name, identification number, public deposit account number and other information of the user can be obtained. For example, in an exemplary embodiment, the identification information may include: name + identification number; in another exemplary embodiment, the identification information may also include: name + the public accumulation fund account number.
In an embodiment of the present disclosure, the client may be a desktop computer, a tablet computer, a notebook computer, a smart phone, a digital assistant, a smart wearable device, or the like. Wherein, wearable equipment of intelligence can include intelligent bracelet, intelligent wrist-watch, intelligent glasses, intelligent helmet etc.. Of course, the client is not limited to the electronic device with certain entities, and may also be software running in the electronic device.
In an embodiment of the present specification, the server may be an electronic device having computing and network interaction functions; software that runs in the electronic device and provides business logic for data processing and network interaction is also possible. The server may receive a communication message (e.g., identification information, a request for extracting the public deposit, etc.) sent by the client, and send the communication message (e.g., a candidate set of extraction reason parameters, a result of processing for extracting the public deposit, etc.) to the client.
When a user needs to apply for the extraction of the public accumulation fund, the user can input own identity identification information through the client. Accordingly, the server can obtain the identity information of the user from the client.
Generally, there are many reasons (or reasons) for the accumulation fund extraction according to the business rules. Such as house purchase pickup, house rental pickup, house overhaul pickup, retirement withdrawal pickup, and the like. The business rules corresponding to different reasons for extracting the accumulation fund are generally different. Therefore, if the reason for extracting the public accumulation fund is selected by mistake, the public accumulation fund extraction application can fail. For the user, a new request for the extraction of the accumulation fund may have to be resubmitted. Therefore, the operation complexity of the user is increased, the user experience is reduced, and the processing efficiency of the accumulation fund extraction service is influenced. In view of this, in the method for processing the accumulation fund extraction service line according to some embodiments of the present disclosure, a service rule matrix is provided, which may be used to recommend an extraction reason to a user. And the corresponding relation between the accumulation fund extraction reason parameter and the business rule is configured in the business rule matrix.
Therefore, the generating and outputting of the candidate set of extracted reason parameters according to the identity information and the preset business rule matrix may include the following steps:
1) and acquiring corresponding user basic information from a service system database according to the identity identification information.
In addition to the user identification information, some other user basic information (e.g., marital status, work units, asset status, etc.) is also stored in a business system database (e.g., a business system database of a department related to the receipt of an accumulation fund business application). Therefore, based on the user identification information, corresponding user basic information can be obtained from the service system database, so that the available extraction reasons (namely the accumulation fund extraction reasons) can be recommended for the user according to the information.
2) And matching and extracting reason parameters from a preset business rule matrix according to the user basic information, and forming an extracted reason parameter candidate set according to the extracted reason parameters. Specifically, for each extracted reason parameter in the business rule matrix, whether the user meets the corresponding business rule or not can be judged based on the user basic information; if yes, adding the extraction reason parameter into an extraction reason parameter candidate set; otherwise, the extraction reason parameter is abandoned.
3) And outputting the candidate set of the extracted reason parameters for the user to select.
Each extraction reason parameter in the extraction reason parameter candidate set is a selectable (or available) extraction reason parameter recommended according to the current situation of the user. A user can arbitrarily select one of the parameters as a target extraction reason parameter according to the requirement; therefore, the user can check the subsequent government affairs by applying for one time with higher probability without initiating the application of the public accumulation fund extraction for one time or multiple times, and the processing efficiency and the user experience of the business of the public accumulation fund extraction are further improved.
For example, in the illustrative example shown in fig. 2, a correspondence of a portion of the accumulation fund extraction reason parameter to the business rule is disclosed. When the user is judged to have loan but not clear according to the user basic information of the user, the selectable extraction reason parameters can be determined to be: extracting major diseases, extracting retired diseases, extracting deputy diseases, extracting death diseases, extracting emigration of every family, and the like. These selectable extraction cause parameters, which may form a candidate set of extraction cause parameters. In the business rule matrix shown in fig. 2, "1" indicates that extraction is permitted, and "0" indicates that extraction is prohibited.
Since the business rules of the accumulation fund extraction business may change with time, in order to facilitate the expansion and maintenance of the business rules, the business rule matrix may support parameterized configuration (i.e., the business rule matrix may be configured by a configuration file). Therefore, when the business rule matrix needs to be updated, the configuration file is updated. Therefore, the business rule matrix preset in S102 can be obtained by reading the configuration file.
After the reason for the extraction is determined, the main purpose of the government affairs checking process for the user is to verify whether the user qualifies for the extraction of the accumulation fund. In some embodiments of the present specification, the performing a government affairs checking process on the user may include:
1) and confirming whether the application material information of the user exists in a service system database.
If the user transacts the accumulation fund extraction service once, the service system database records the application material information of the user. Therefore, when the application material information of the user exists in the business system database, whether the user passes government affair verification or not can be judged by using the application material information of the stock. That is, if the application material information available for the same extraction reason exists, the application material information can be continuously applied, so as to reduce the implementation cost. For example, if the user has applied for the accumulation fund extraction service by renting a house, the service system database records the application material information (i.e. the first data to be submitted for the accumulation fund extraction service) submitted by the user when applying. For example, in order to apply for a public deposit withdrawal service for house renting reasons, application material information such as an identification card scanning part of a user, a house renting contract, a house renting tax invoice, and the like needs to be provided.
2) And when the application material information of the user does not exist in the service system database, acquiring a government affair checking interface from the government affair checking interface set.
In some embodiments of the present description, the set of government audit interfaces includes, but is not limited to, some or all of the following interfaces: the system comprises a resident identification card information inquiry interface, a marital registration information inquiry interface, a house-buying contract information inquiry interface, a real estate information inquiry interface, a remote public accumulation loan information inquiry interface and a commercial loan information inquiry interface; a death certification information inquiry interface, a low-security rescue information inquiry interface and the like.
3) And calling the government affair checking interface to send a government affair checking request to the corresponding government affair checking system.
4) And receiving a government affair checking result returned by the government affair checking system.
For example, taking the resident identification card information query interface as an example, inputting three elements (namely, the name, the certificate number and the certificate type of the user) of a payer through the resident identification card information query interface, and then initiating a resident identification card information query request to a national citizen identification information system; and the inquiry result can be obtained through the resident identification card information inquiry interface. In an embodiment of the present specification, a reserved portrait information field is further used in the query result to reserve a space for subsequent face recognition.
For example, taking a marital registration information inquiry interface as an example, the marital status and the information related to the spouse of the person can be inquired by inputting three elements of a payer (or providing three elements of information of both couples) through the marital registration information inquiry interface. In some service scenarios (e.g., renting house extraction), it is necessary to clarify marital status and spouse information to confirm the subsequent extraction quota calculation and check whether the extraction qualification is met.
For example, taking the real estate information query interface as an example, three elements of a payer or a spouse thereof are input through the real estate information query interface, and whether a house and related house information (such as information of a house total price, a house address, a house purchase contract number, house purchase time, a property right ratio of a house owner and the like) are known under the name. Wherein the house total price and the house property ratio can be applied to the subsequent extraction quota calculation. And the control of the effectiveness of the extracted material, the extraction time and the like can be completed by utilizing the information of the house address, the house purchasing contract number, the house purchasing time and the like obtained by house property checking.
For another example, taking the commercial loan information query interface as an example, the commercial loan information query interface inputs three elements of a payer and a spouse thereof, queries the loan condition under the name of a couple, and obtains information such as a loan contract number, a loan amount, a house address, the total of returned information, a loan state, loan settlement time and the like. And also controls whether loan withdrawal is permitted or not, in terms of the amount of loan available, withdrawal limits for materials that have been paid for, house address, loan status, and loan settlement time.
In some embodiments of the present specification, the invoking a corresponding calculation engine according to the target extraction cause parameter to perform a processing of extracting a public deposit may include: and calling a corresponding extraction limit calculation engine according to the target extraction reason parameter to perform extraction limit calculation, and obtaining the extraction limit of the user under the target extraction reason parameter.
Based on business needs, the accumulation fund center can set different extraction limit calculation rules according to different extraction reasons. The extraction limit is the maximum extractable amount of the current material, and can be extracted for multiple times, but the accumulated extraction amount does not exceed the extraction limit of the material. Each extraction adds the amount of the extraction to the accumulated extracted field of the material. When the extraction limit of the material is equal to the cumulative already extracted, the material is automatically invalidated.
For example, in an embodiment of the present specification, the extraction quota calculation engine corresponding to different extraction reasons may be as shown in table 1 below.
TABLE 1
In some embodiments of the present specification, the invoking a corresponding calculation engine according to the target extraction cause parameter to perform a processing of extracting a public deposit may include: on the basis of obtaining the extraction limit of the user under the target extraction reason parameter, calling a corresponding extractable money calculation engine according to the target extraction reason parameter to calculate the extractable money, and obtaining the current extractable money of the user under the target extraction reason parameter.
The extractable amount is the maximum extractable amount extracted at the current time, the upper limit of the extracted amount extracted at a single time can be set in advance according to local business rules, the account freezing amount is determined, parameters such as the minimum retention amount of the accumulation account are required to be set, and the extractable amount is calculated together.
For example, in an embodiment of the present specification, the basic calculation rule for the extractable quota is as follows:
min { upper limit of extracted amount, extracted limit amount-accumulated extracted, account balance-frozen amount-account remaining amount, branch characteristic rule }. In the examples of this specification, the loan repayment extraction segment rules are more general, and are commonly the following as shown in table 2:
TABLE 2
Of course, the extraction amount calculation engine and the extraction limit calculation engine under different extraction reasons can also support parameterized configuration; the extraction amount calculation engine and the extraction limit calculation engine under different extraction reasons can be configured through the configuration file, so that the requirements of differentiated or personalized business rules in different regions are met, and the subsequent calculation engine change and expansion are facilitated.
In some embodiments of the present specification, after invoking the corresponding calculation engine to perform the accumulation fund extraction processing according to the target extraction cause parameter, the accumulation fund extraction processing result may also be returned to respond to the accumulation fund extraction request of the user. Based on the returned extraction processing result of the public accumulation fund, the user can know whether the public accumulation fund extraction application is successful or not and extract related information such as quota.
While the process flows described above include operations that occur in a particular order, it should be appreciated that the processes may include more or less operations that are performed sequentially or in parallel (e.g., using parallel processors or a multi-threaded environment).
Corresponding to the method for processing the accumulation fund extraction service line, an embodiment of the present specification further provides a device for processing the accumulation fund extraction service line. Referring to fig. 3, in some embodiments of the present disclosure, the accumulation fund extracting online processing apparatus may include:
an identification obtaining module 31, which can be used to obtain identification information of a user;
the extraction reason recommending module 32 may be configured to generate and output an extraction reason parameter candidate set according to the identity information and a preset business rule matrix;
an extraction request receiving module 33, configured to receive a request for extracting the accumulation fund; the accumulation fund extraction request comprises: the user selects a target extraction reason parameter from the extraction reason parameter candidate set;
a government affair checking module 34, configured to perform government affair checking on the user;
the accumulation fund extraction processing module 35 may be configured to, when the user passes the government affair check, invoke a corresponding calculation engine according to the target extraction reason parameter to perform accumulation fund extraction processing.
In some embodiments of this specification, the generating and outputting a candidate set of extracted cause parameters according to the identity information and a preset business rule matrix includes:
acquiring corresponding user basic information from a service system database according to the identity identification information;
matching and extracting reason parameters from a preset business rule matrix according to the user basic information, and forming an extracted reason parameter candidate set according to the extracted reason parameters;
and outputting the candidate set of the extracted reason parameters for the user to select.
In some embodiments of the present specification, a corresponding relationship between the accumulation fund extraction cause parameter and the business rule is configured in the business rule matrix.
In some embodiments of the present specification, the matching and extracting reason parameters from a preset business rule matrix according to the user basic information includes:
for each extracted reason parameter in the business rule matrix, judging whether the user meets a corresponding business rule or not based on the user basic information;
and if so, adding the extraction reason parameter into the extraction reason parameter candidate set.
In some embodiments of the present description, the business rule matrix is obtained by reading a configuration file.
In some embodiments of the present specification, the performing a government affairs checking process on the user includes:
confirming whether the application material information of the user exists in a service system database;
when the application material information of the user does not exist in the service system database, acquiring a government affair checking interface from a government affair checking interface set;
calling the government affair checking interface to send a government affair checking request to a corresponding government affair checking system;
and receiving a government affair checking result returned by the government affair checking system.
In some embodiments of the present specification, the performing a government affairs checking process on the user further includes:
and when the application material information of the user exists in the service system database, determining whether the user passes government affair checking according to the application material information.
In some embodiments of the present description, the set of government audit interfaces includes some or all of the following interfaces:
a resident identification card information inquiry interface;
a marital registration information inquiry interface;
a house-buying contract information inquiry interface;
a real estate information query interface;
a remote accumulation fund loan information query interface;
a commercial loan information query interface;
a death certificate information query interface;
and a low-security rescue information inquiry interface.
In some embodiments of this specification, the invoking a corresponding calculation engine according to the target extraction cause parameter to perform a public fund extraction process includes:
and calling a corresponding extraction limit calculation engine according to the target extraction reason parameter to perform extraction limit calculation, and obtaining the extraction limit of the user under the target extraction reason parameter.
In some embodiments of this specification, the invoking a corresponding calculation engine according to the target extraction cause parameter to perform a public fund extraction process includes:
and calling a corresponding extractable amount calculation engine according to the target extraction reason parameter to calculate the extractable amount, and obtaining the current extractable amount of the user under the target extraction reason parameter.
In some embodiments of the present specification, the device for processing the public accumulation fund extraction service line may further include a processing result returning module, which is configured to return a public accumulation fund extraction processing result after the public accumulation fund extraction processing module 35 invokes the corresponding calculation engine to perform the public accumulation fund extraction processing according to the target extraction cause parameter.
In an embodiment of this specification, the identification information includes any one of the following:
name + identification number;
name + the public accumulation fund account number.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.
Embodiments of the present description also provide a computer device. As shown in FIG. 4, in some embodiments of the present description, the computer device 402 may include one or more processors 404, such as one or more Central Processing Units (CPUs) or Graphics Processors (GPUs), each of which may implement one or more hardware threads. The computer device 402 may also comprise any memory 406 for storing any kind of information, such as code, settings, data, etc., and in a particular embodiment a computer program running on the memory 406 and on the processor 404, which computer program, when executed by the processor 404, may perform the instructions according to the above-described method. For example, and without limitation, memory 406 may include any one or more of the following in combination: any type of RAM, any type of ROM, flash memory devices, hard disks, optical disks, etc. More generally, any memory may use any technology to store information. Further, any memory may provide volatile or non-volatile retention of information. Further, any memory may represent fixed or removable components of computer device 402. In one case, when the processor 404 executes the associated instructions, which are stored in any memory or combination of memories, the computer device 402 can perform any of the operations of the associated instructions. The computer device 402 also includes one or more drive mechanisms 408, such as a hard disk drive mechanism, an optical disk drive mechanism, etc., for interacting with any memory.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products of some embodiments of the specification. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processor to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processor, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processor to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processor to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computer device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computer device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
The embodiments of this specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The described embodiments may also be practiced in distributed computing environments where tasks are performed by remote processors that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of an embodiment of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (15)
1. An online processing method for a public accumulation fund extraction service is characterized by comprising the following steps:
acquiring identity identification information of a user;
generating and outputting a candidate set of extracted reason parameters according to the identity identification information and a preset business rule matrix;
receiving a request for extracting the accumulation fund; the accumulation fund extraction request comprises: the user selects a target extraction reason parameter from the extraction reason parameter candidate set;
performing government affair checking treatment on the user;
and when the user passes the government affair check, calling a corresponding calculation engine to extract the accumulation fund according to the target extraction reason parameter.
2. The method for processing the accumulation fund extraction service on line as claimed in claim 1, wherein the generating and outputting the candidate set of the extraction reason parameters according to the identity information and a preset service rule matrix comprises:
acquiring corresponding user basic information from a service system database according to the identity identification information;
matching and extracting reason parameters from a preset business rule matrix according to the user basic information, and forming an extracted reason parameter candidate set according to the extracted reason parameters;
and outputting the candidate set of the extracted reason parameters for the user to select.
3. The method according to claim 2, wherein the business rule matrix is configured with a corresponding relationship between the point fund extraction reason parameter and the business rule.
4. The method as claimed in claim 3, wherein said matching and extracting the cause parameters from the preset business rule matrix according to the user basic information comprises:
for each extracted reason parameter in the business rule matrix, judging whether the user meets a corresponding business rule or not based on the user basic information;
and if so, adding the extraction reason parameter into the extraction reason parameter candidate set.
5. The method of claim 1, wherein the business rule matrix is obtained by reading a configuration file.
6. The method for processing the accumulation fund extraction service line according to claim 1, wherein the performing of the government affairs checking process on the user comprises:
confirming whether the application material information of the user exists in a service system database;
when the application material information of the user does not exist in the service system database, acquiring a government affair checking interface from a government affair checking interface set;
calling the government affair checking interface to send a government affair checking request to a corresponding government affair checking system;
and receiving a government affair checking result returned by the government affair checking system.
7. The method for processing the accumulation fund withdrawal service line according to claim 6, wherein the government affairs checking process for the user further comprises:
and when the application material information of the user exists in the service system database, determining whether the user passes government affair checking according to the application material information.
8. The method according to claim 7, wherein the collection of government affairs checking interfaces includes some or all of the following interfaces:
a resident identification card information inquiry interface;
a marital registration information inquiry interface;
a house-buying contract information inquiry interface;
a real estate information query interface;
a remote accumulation fund loan information query interface;
a commercial loan information query interface;
a death certificate information query interface;
and a low-security rescue information inquiry interface.
9. The method for processing the accumulation fund extraction service line according to claim 1, wherein the invoking of the corresponding calculation engine according to the target extraction cause parameter for the accumulation fund extraction comprises:
and calling a corresponding extraction limit calculation engine according to the target extraction reason parameter to perform extraction limit calculation, and obtaining the extraction limit of the user under the target extraction reason parameter.
10. The method for processing the accumulation fund extraction service line according to claim 1, wherein the invoking of the corresponding calculation engine according to the target extraction cause parameter for the accumulation fund extraction comprises:
and calling a corresponding extractable amount calculation engine according to the target extraction reason parameter to calculate the extractable amount, and obtaining the current extractable amount of the user under the target extraction reason parameter.
11. The method for processing the accumulation fund extraction service line according to claim 1, wherein after the invoking of the corresponding calculation engine according to the target extraction cause parameter for the accumulation fund extraction, the method further comprises:
and returning the extraction processing result of the accumulation fund.
12. The method for processing the accumulation fund extraction service on line as claimed in claim 1, wherein the identification information comprises any one of the following:
name + identification number;
name + the public accumulation fund account number.
13. An accumulation fund extraction service on-line processing device, comprising:
the identity identification acquisition module is used for acquiring identity identification information of a user;
the extraction reason recommending module is used for generating and outputting an extraction reason parameter candidate set according to the identity identification information and a preset business rule matrix;
the extraction request receiving module is used for receiving the accumulation fund extraction request; the accumulation fund extraction request comprises: the user selects a target extraction reason parameter from the extraction reason parameter candidate set;
the government affair checking processing module is used for carrying out government affair checking processing on the user;
and the public accumulation fund extraction processing module is used for calling a corresponding calculation engine to extract the public accumulation fund according to the target extraction reason parameter when the user passes the government affair check.
14. A computer device comprising a memory, a processor, and a computer program stored on the memory, wherein the computer program, when executed by the processor, performs the instructions of the method of any one of claims 1-12.
15. A computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor of a computer device, executes instructions of a method according to any one of claims 1-12.
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