CN113742349A

CN113742349A - Data processing method, device, electronic equipment and medium

Info

Publication number: CN113742349A
Application number: CN202111046344.2A
Authority: CN
Inventors: 王磊
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-09-07
Filing date: 2021-09-07
Publication date: 2021-12-03

Abstract

The disclosure provides a data processing method, a data processing device, an electronic device and a medium. The method and the device provided by the disclosure can be used in the financial field or the technical field of internet and information security. The method and the device provided by the disclosure can be used for transaction data processing and display in the financial field, such as processing and display of personalized data information. The method comprises the following steps: constructing a first data table and a second data table based on user initial data, wherein the first data table is constructed based on initial service information data; a second data table is constructed based on the initial personalized hint information data. User transaction data is obtained. And performing transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information. And carrying out personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information. And synchronously displaying the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

Description

Data processing method, device, electronic equipment and medium

Technical Field

The present disclosure relates to the field of internet and information security technologies, and in particular, to a data method, an apparatus, an electronic device, and a medium.

Background

In the existing economic activities, along with the continuous increase of user transaction data, besides relatively fixed transaction information, a large amount of personalized information associated with a specific user appears, and whether the related personalized information can be identified, utilized and prompted in time has important influence on the safety of the transaction activities and the satisfaction degree of customers to financial institutions.

In the course of implementing the disclosed concept, the inventors found that there are at least the following problems in the prior art:

in the current transaction system, for high-risk transaction behaviors, the transaction authority is generally used uniformly to remind the operator in time. But lack personalized cueing based on a single user personalization.

Disclosure of Invention

In view of this, embodiments of the present disclosure provide a data processing method, apparatus, electronic device, and medium.

One aspect of the present disclosure provides a data processing method, including: constructing a first data table and a second data table based on user initial data, wherein the user initial data comprises initial service information data and initial personalized prompt information data, and the constructing of the first data table and the second data table based on the user initial data comprises the following steps: constructing a first data table based on the initial service information data; and constructing a second data table based on the initial personalized prompt information data; acquiring user transaction data, wherein the user transaction data is associated with the user initial data through a user identifier; performing transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information; personalized prompt processing is carried out on the user transaction data based on the second data table so as to obtain personalized prompt information; and synchronously displaying the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

In some embodiments, said building the first data table and the second data table based on the user-initiated data further comprises: building the first data table in a back-end system based on initial service information data; splitting the second data table into a first data sub-table and a second data sub-table based on the initial personalized prompt information data, wherein the first data sub-table is constructed in a back-end system; building the second data sub-table in a front-end system; the second data table comprises a plurality of fields; the first data sub-table and the second data sub-table comprise at least one same field, and the back-end system and the front-end system are connected based on the at least one same field and realize data calling.

In some embodiments, the splitting the second data table into a first data sub-table and a second data sub-table based on the initial personalized reminder information data further comprises: defining a storage format of the second data table, wherein the storage format is a key-value pair format, and a plurality of fields of the second data table comprise a user identifier, an initial personalized hint information key, and an initial personalized hint information value; storing the user identifier and the initial personalized hint information key to the first data sub-table; and storing the initial personalized prompt information key and the initial personalized prompt information value to the second data sub-table, wherein the back-end system and the front-end system are connected through the initial personalized prompt information key and realize data calling.

In some embodiments, the building the first data table at the backend system based on the initial service information data further comprises: storing the initial service information data to a first data table according to a preset storage format, wherein the first data table comprises a user identifier.

In some embodiments, the transaction authorization process and the personalized reminder process may be triggered based on the same process flow, and triggering the transaction authorization process and the personalized reminder process based on the same process flow includes: extracting a user transaction identifier based on the user transaction data; a user validity checking processing flow is carried out based on the user transaction identifier, wherein the user validity checking processing flow comprises a checking method for judging transaction authorization and prompting user personalized information; the checking method of the transaction authorization judgment is associated with the initial service information data; the user personalized information prompt judgment is associated with the initial personalized prompt information data; the user validity checking and processing flow is carried out in the back-end system; triggering transaction authorization processing based on the checking result of the transaction authorization judgment, wherein the transaction authorization comprises obtaining a transaction authorization code and transaction authorization information, and the transaction authorization processing is carried out at the back-end system; and triggering personalized prompt processing based on the checking result judged by the user personalized information prompt, wherein the personalized prompt is carried out at the front-end system.

In some embodiments, the checking method for the user personalized information prompt judgment includes: determining whether the user transaction identifier is the same as the user identifier; and if the user transaction identifier is the same as the user identifier, searching an initial personalized prompt information key corresponding to the user identifier based on the first data sub-table, and marking the initial personalized prompt information key as a current personalized prompt information key.

In some embodiments, the triggering of the personalized prompt processing based on the checking result of the user personalized information prompt determination includes: transmitting the current personalized prompt information key to a front-end system for processing; the front-end system processing comprises: acquiring an initial personalized prompt information value matched with the current personalized prompt information key based on the second data sub-table, and marking the initial personalized prompt information value as a current personalized prompt information value; and triggering the personalized prompt information display based on the current personalized prompt information value.

In some embodiments, the performing of the synchronous display of the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table further includes: synchronously displaying transaction authorization information and personalized prompt information based on the front-end system; wherein the transaction authorization information is obtained from the backend system; the personalized prompt information is obtained from the front-end system for processing.

In some embodiments, the personalized reminder information key is in the same format as the transaction authorization code; the personalized prompt information value has the same format as the transaction authorization information.

Another aspect of the present disclosure provides a data processing apparatus, including a building module configured to build a first data table and a second data table based on user initial data; the user initial data comprises initial service information data and initial personalized prompt information data; configured to construct a first data table based on the initial service information data; constructing a second data table based on the initial personalized prompt information data; an acquisition module configured to acquire user transaction data, the user transaction data being associated with the user initial data by a user identifier; the processing module is configured to perform transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information, and perform personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information; and the display module is configured to synchronously display the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

In certain embodiments, the building module further comprises: the first construction submodule is configured to construct the first data table in a back-end system based on the service initial information data; the second construction submodule is configured to split and construct the second data table into a first data sub-table and a second data sub-table based on personalized prompt information data; constructing the first data sub-table in a back-end system; building the second data sub-table in a front-end system; the second data table comprises a plurality of fields; the first data sub-table and the second data sub-table comprise the same field, and the back-end system and the front-end system are connected based on the same field and realize data calling.

Another aspect of the present disclosure provides a data processing system comprising: the system comprises a back-end system and a front-end system, wherein a first data table is constructed based on the back-end system; a second data table is constructed on the basis of the back-end system and the front-end system together, wherein the first database table is constructed as a business information data table, and the second database table is constructed as a user personalized prompt information data table; the second data table is divided into a first data sub-table and a second data sub-table, and the first data sub-table is constructed based on the back-end system; building a second data sub-table based on the front-end system; the second data table comprises a plurality of fields; the first data sub-table and the second data sub-table comprise at least one same field; the back end system is in communication connection with the front end system; and the back-end system and the front-end system are connected based on the at least one same field and realize data calling. The data processing system is used for realizing the data processing method of the embodiment of the disclosure.

Another aspect of the present disclosure provides an electronic device comprising one or more processors and a storage, wherein the storage is configured to store executable instructions that, when executed by the processors, implement the method as described above.

Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

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

The method provided by the embodiment of the disclosure provides a data processing method for processing and displaying personalized prompt information, and in a transaction activity, the personalized prompt information and transaction authorization information are combined and displayed to a manager, so that the bank service level is improved. Meanwhile, on the basis of not increasing the user interaction behavior, the personalized prompt information can be displayed for the customers in time, and the customer satisfaction is increased.

Drawings

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

fig. 1 schematically illustrates an exemplary system architecture to which the methods, apparatus, and methods may be applied, in accordance with an embodiment of the present disclosure;

FIG. 2 schematically shows a flow chart of a data processing method according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of a method of building a first data table and a second data table according to an embodiment of the disclosure;

FIG. 4 schematically illustrates a flow chart of a method of triggering a transaction authorization process and a personalization prompting process based on the same process flow;

FIG. 5 schematically illustrates a flow chart of a method of personalized alert processing by a front-end system;

FIG. 6A schematically shows a block diagram of a data processing apparatus according to an embodiment of the present disclosure;

FIG. 6B schematically illustrates a block diagram of a build module internal apparatus according to an embodiment of the disclosure;

FIG. 7 schematically shows a composition diagram of a data processing system according to an embodiment of the present disclosure; and

FIG. 8 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure.

Detailed Description

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

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

Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). The terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, features defined as "first", "second", may explicitly or implicitly include one or more of the described features.

In economic activities, such as transactions in banking systems, the transaction display information is in a fixed format and has limited content, such as transfer transactions, which generally only contain basic information such as account numbers, amounts, currencies and account numbers. With the increasing of data of customers and accounts, a great amount of personalized information related to a specific account appears, and whether the related personalized information can be identified, prompted and utilized in time has important influence on the safety of transaction activities and the service evaluation of the customers to banks. However, according to the existing transaction data processing system, the staff such as the teller and the customer manager cannot identify the individualization of the account in time through the transaction. Therefore, for the scene of the personalized content of the account, personalized prompt information of the client and the account needs to be provided for the staff, and the bank service level needs to be improved. On the other hand, in order to reduce the interaction behavior of the user, it is necessary to increase the customer satisfaction by setting a suitable data processing method to realize the synchronous display of the account self-defining prompt information and the transaction authorization information. On the other hand, the transaction authorization information is usually processed and maintained in the back-end system, and because the data volume of the back-end system is huge and the data storage format is relatively fixed, a set of processing and displaying methods of personalized prompt information data can be established based on the account, the related content of the personalized prompt information is maintained simultaneously in the back-end system and the front-end system, and the processing result of the back-end is associated with the information display of the front-end system, so that the data transmission overhead is reduced, and the access efficiency is improved.

The embodiment of the disclosure provides a data processing method, a data processing device, electronic equipment and a medium. The data processing method comprises the following steps: the first data table and the second data table are constructed based on the user initial data. The user initial data comprises initial service information data and initial personalized prompt information data, and the construction of the first data table and the second data table based on the user initial data comprises the following steps: constructing a first data table based on the initial service information data; and constructing a second data table based on the initial personalized prompt information data. User transaction data is obtained, and the user transaction data is associated with the user initial data through a user identifier. And performing transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information. And carrying out personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information. And synchronously displaying the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table. And triggering the transaction authorization processing and the personalized prompt processing based on the same processing flow.

It should be noted that the method, the apparatus, the system, and the electronic device for data processing provided by the embodiments of the present disclosure may be used in the internet, information security technology in the aspects related to data processing and display, and may also be used in various fields other than the internet and information security technology, such as the financial field. The data processing method, device, system and application field of the electronic device provided by the embodiment of the disclosure are not limited.

The above-described operations for carrying out at least one of the objects of the present disclosure will be described with reference to the accompanying drawings and description thereof.

In bank transaction activities, a client transacts a bank for account transfer business, and an operator extracts transaction data input by the client, such as account number, account name, account transfer amount requirement, account transfer currency and other information, and transmits the relevant transaction data from a front-end page system to a back-end data processing system for inquiring and processing the relevant account information and the transaction requirement. And because the transfer amount of the client is higher, the back-end data processing system returns the authorization code and the authorization information to the front-end page system to prompt the teller to request the client manager to authorize. And finishing the business transaction smoothly. Then, due to the defect of the information prompting mechanism, the teller and the client manager can only process and authorize the current transaction request, and cannot timely identify the personalized condition of the client, namely the condition that the client loan is delinquent. The customer is not intentionally delinquent, and the customer knows that the customer cannot return the last month payment amount in time after receiving the bank payment prompting call. Due to the large amount of money transferred in the day ahead, customers lack liquidity funds to pay immediately, and thus the information prompting mechanism of the bank is not full. On the other hand, because the personalized information cannot be prompted in time during large-amount transfer transaction, the workload of urging and additional payment of the money by a loan department in the future is increased. Therefore, there is a need to improve the existing information prompting mechanism and provide a method capable of synchronously displaying account personalized prompting information during transaction authorization so as to synchronously improve the service level of the bank and the satisfaction degree of the customer.

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

As shown in fig. 1, the system architecture 100 according to this embodiment may include a terminal device 101, a network 102, and a server 103. Network 102 is the medium used to provide communication links between terminal devices 101 and server 103. Network 102 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The terminal apparatus 101 interacts with the server 103 through the network 102 to receive or transmit information and the like. The terminal device 101 may have a function of receiving a user counter transaction request and related user transaction data, and may also have a function of receiving and displaying a transaction processing result and personalized prompt information. The terminal device 101 may further include a data processing function to realize the linkage processing with the server 103. In addition, applications (for example only) for performing queries and transactions of other existing businesses of the bank may also be included on the terminal device 101. Terminal device 101 includes, but is not limited to, a tablet computer, a laptop portable computer, a desktop computer, and the like.

The server 103 may parse the user information data set to obtain the user counter transaction request and the related user transaction data. Server 103 may be a database server, a background management server, a cluster of servers, or the like. The server 103 may analyze and otherwise process data such as the received user request, and feed back a processing result (for example, transaction authorization information, personalized prompt information data, and the like obtained or generated according to the user request) to the terminal device 101. The server 103 may also perform data processing in conjunction with the terminal apparatus 101, and the terminal apparatus 101 displays the processing result.

It should be noted that the method provided by the embodiment of the present disclosure may be executed by the server 103, or executed by both the terminal device 101 and the server 103. Accordingly, the apparatus provided in the embodiment of the present disclosure may be disposed in the server 103, or disposed in the terminal device 101 and the server 103 separately according to the steps performed by the apparatus.

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

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

As shown in fig. 2, the method may include operations S201 to S205.

In operation S201, a first data table and a second data table are constructed based on user initial data.

According to the embodiment of the disclosure, the user initial data includes initial service information data and initial personalized prompt information data. Accordingly, constructing the first data table and the second data table based on the user initial data comprises: and constructing a first data table based on the initial service information data. And constructing a second data table based on the initial personalized prompt information data.

According to the embodiment of the disclosure, the initial service information data includes the user account status and account information recorded in the system after the last user transaction is finished. The initial personalized prompt message data may include personalized historical information data of the user at the current bank and current network, including whether a loan exists, loan repayment condition, whether a financial product is purchased, whether an article is lost at the network or other networks, and the like. The personalized historical information data of the current bank and the current website can be updated irregularly according to the interaction between the user and the current bank or the current website. The first data table may be an original data table storing the initial service information. In a transaction system, the amount of service information data is usually large, and the format is fixed. In order to not increase the system overhead required by personalized information prompting and not change the format of the stored service information data to a large extent, the initial personalized prompting information data is extracted and stored in the second data table separately, so as to reduce the load of the system.

In operation S202, user transaction data is acquired, the user transaction data being associated with the user initial data by a user identifier.

According to an embodiment of the present disclosure, the user transaction data includes a transaction request currently input by the user, such as an account name, an account number, a transaction type, a transaction amount, and the like, input by the user while the user is at the counter. The user identifier may include, but is not limited to, an account number or a combination of an account number and a user name. It will be appreciated that the user identifier may uniquely identify the current user, thereby associating the user transaction data with the user initial data.

In operation S203, transaction authorization processing is performed on the user transaction data based on the first data table to obtain transaction authorization information.

According to the embodiment of the disclosure, the transaction authorization processing comprises the steps of matching the user transaction data with the initial service information data stored in the first data table, and processing the service flow after matching to obtain transaction authorization information, wherein the transaction authorization information is used for indicating the transaction to be carried out so as to complete the transaction request of the user.

In operation S204, personalized prompt processing is performed on the user transaction data based on the second data table to obtain personalized prompt information.

According to the embodiment of the disclosure, the personalized prompt processing comprises the steps of matching the user transaction data with the initial personalized prompt information data stored in the second data table, processing after matching to judge whether personalized information needing to be prompted exists, and acquiring the personalized information needing to be prompted.

In operation S205, the transaction authorization information and the personalized prompt information are synchronously displayed based on the processing results of the first data table and the second data table.

According to the embodiment of the disclosure, the transaction authorization information and the personalized prompt information are synchronously displayed, so that the personalized prompt information is timely displayed for the customers on the basis of not increasing the user interaction behavior, and the service level of a bank and the customer satisfaction are improved.

In some specific embodiments of the present disclosure, specific methods of building a first data table and a second data table based on user-initiated data are provided.

FIG. 3 schematically illustrates a flow chart of a method of building a first data table and a second data table according to an embodiment of the disclosure.

As shown in fig. 3, the method may include operations S301 to S302.

In operation S301, the first data table is constructed in the backend system based on the initial service information data.

In operation S302, the second data table is split into a first data sub-table and a second data sub-table based on the initial personalized hint information data. And constructing the first data sub-table in a back-end system. And constructing the second data sub-table in a front-end system.

According to the embodiment of the disclosure, the business process is generally performed in the bank back-end system, so the first data table is constructed in the back-end system. And when storing the initial personalized prompt information data, in order to further improve the data access efficiency, the second data table is further divided into a first data sub-table and a second data sub-table. The second data table of the present disclosure includes a plurality of fields. The first data sub-table and the second data sub-table comprise at least one field that is the same among said plurality of fields. The back-end system and the front-end system may connect and implement a data call based on the at least one same field.

In the embodiment of the disclosure, the second data table is constructed by splitting at the back end and the front end system, and is connected by at least one same field, so that the initial personalized prompt information data is maintained at the back end system and the front end system simultaneously. The at least one same field can have smaller storage overhead, so that smaller transmission overhead can be realized when the front-end data call and the back-end data call are carried out, and the transmission load of the system is further reduced.

In some specific embodiments, the splitting the second data table into the first data sub-table and the second data sub-table based on the initial personalized prompt information data further includes: defining a storage format of the second data table. Wherein the storage format is a key-value pair format, and the plurality of fields of the second data table include a user identifier, an initial personalized hint information key, and an initial personalized hint information value. And storing the user identifier and the initial personalized prompt information key to the first data sub-table. And storing the initial personalized prompt information key and the initial personalized prompt information value to the second data sub-table. And the back-end system and the front-end system are connected through the initial personalized prompt information key and realize data calling.

According to the specific embodiment of the disclosure, the storage of the second data table can be flexibly and conveniently carried out by utilizing the key-value pair data structure. In a key-value pair data structure, the storage overhead for keys is typically small. In a specific embodiment of the present disclosure, the initial personalized hint information key may be a number, and the initial personalized hint information value may include, but is not limited to, a character string. The initial personalized hint information value may be used to interpret the meaning of the initial personalized hint information key. For example, the initial personalized hint information key may be "99003" and the corresponding initial personalized hint information value may be "the customer delinquent the loan, please contact the customer manager". By using the initial personalized prompt information key as a field for connecting the back-end system and the front-end system, the data access with low expenditure and high efficiency can be realized. Therefore, after the back-end system returns the initial personalized prompt information key to the front-end system, the front-end system identifies the personalized condition that the client defaults the loan by searching the initial personalized prompt information value corresponding to 99003.

In some specific embodiments, the constructing the first data table in the backend system based on the initial service information data further includes: storing the initial service information data to a first data table according to a preset storage format, wherein the first data table comprises a user identifier.

According to an embodiment of the present disclosure, the first data table may contain original initial service information data and a structure thereof. Correspondingly, the preset storage format may be an original initial service information storage format. It will be appreciated that the first data table also contains a user identifier to uniquely associate other data information corresponding to the user identifier, including but not limited to the initial personalized reminder information.

In some specific embodiments, the transaction authorization process and the personalized reminder process may be triggered based on the same process flow to reduce data processing.

Fig. 4 schematically shows a flow chart of a method of triggering a transaction authorisation process and a personalization prompting process based on the same process flow.

As shown in fig. 4, the method may include operations S401 to S404.

In operation S401, a user transaction identifier is extracted based on user transaction data.

In operation S402, a user validity check process flow is performed based on the user transaction identifier. The user validity checking and processing flow comprises a checking method for judging transaction authorization and prompting user personalized information.

According to a specific embodiment of the present disclosure, the user validity check processing flow may be an account protocol validity check. And the user validity checking and processing flow is carried out in the back-end system. When a client is in a counter transaction, after user transaction data enters a back-end system, the validity of an account protocol is required to be checked so as to ensure the safety and reliability of the transaction. The transaction authorization determination may be an authorization determination process of an original service process, and may include, for example, determining whether an account is legal (e.g., whether the account belongs to the my account, whether the account length is correct, etc.), and whether an account state corresponding to the account is normal (e.g., whether freezing exists, whether normal use exists, etc.). Accordingly, the transaction authorisation decision may be associated with the initial service information data. On the other hand, the user personalized information prompting judgment can be used for judging whether the user personalized information needing to be prompted exists. Correspondingly, the user personalized information prompting judgment is associated with the initial personalized prompting information data. The determination may be made based on an initial personalized reminder information key. According to a specific embodiment of the present disclosure, the initial personalized prompt information data is stored in a key-value pair form, and since the key-value pair may be null or the initial personalized prompt information key is preset to "00000" and the corresponding initial personalized prompt information value is "no prompt information", the personalized information prompt is not required at this time.

In some exemplary embodiments, a checking method for an initial personalized prompt information key may be added in the account protocol validity check, so as to achieve synchronous judgment of transaction authorization and personalized prompt, and reduce data processing overhead of the system.

In some exemplary embodiments, the checking method for the user personalized information prompting judgment includes: determining whether the user transaction identifier is the same as the user identifier. And if the user transaction identifier is the same as the user identifier, the user information is successfully matched, and at the moment, an initial personalized prompt information key corresponding to the user identifier is searched based on the first data sub-table and is marked as a current personalized prompt information key. The current personalized prompt information key can be merged with the transaction authorization information after obtaining the transaction authorization information and output to a front-end system through an authorization information channel.

In operation S403, a transaction authorization process is triggered based on the checking result of the transaction authorization determination.

According to a specific embodiment of the present disclosure, the transaction authorization processing includes obtaining a transaction authorization code and transaction authorization information. The transaction authorization is conducted at the backend system. The transaction authorization code, which may be a number, is used for the specific authorized person to perform the operations required to complete the transaction. The transaction authorization information is used to interpret the meaning of the transaction authorization code, which may include, but is not limited to, a string of characters. For example, the transaction authorization code is "10010" and the transaction authorization information is "transfer of large amount, please authorize". Therefore, the back-end system can process and complete the transaction authorization process, and the transaction authorization information is output through the authorization information channel and fed back to the front-end system so as to facilitate the teller to carry out subsequent operation.

In operation S404, a personalized prompt process is triggered based on the checking result of the user personalized information prompt determination.

According to a specific embodiment of the present disclosure, the personalized prompt processing is performed at the front-end system. And the current personalized prompt information key is transmitted to the front-end system for personalized prompt processing.

Fig. 5 schematically shows a flow chart of a method for personalized alert processing by a front-end system.

As shown in fig. 5, the method may include operations S501 to S502.

In operation S501, an initial personalized prompt information value matched with the current personalized prompt information key is obtained based on the second data sub-table, and is marked as a current personalized prompt information value.

In operation S502, the personalized prompt information is triggered to be displayed based on the current personalized prompt information value.

According to the specific embodiment of the disclosure, the personalized prompt information and the transaction authorization information are displayed synchronously. The presentation is based on the front-end system. The transaction authorization information is obtained from the processing result of the back-end system; the personalized prompt information is obtained from a processing result processed by the front-end system.

In some exemplary embodiments, the personalized reminder information key is in the same format as the transaction authorization code; the personalized prompt information value has the same format as the transaction authorization information.

According to an exemplary embodiment of the disclosure, the personalized reminder information key and the transaction authorization code may both be numbers; the personalized hint information value and the transaction authorization information may be in the same format, and the same format includes, but is not limited to, a string. In one example, the personalized reminder information key is "99003", and the transaction authorization code is "10010"; the personalized prompt information key is 'customer debt loan, please contact customer manager', and the transaction authorization information is 'large transfer, please authorize'. Because the personalized prompt information key is set to have the same format as the transaction authorization code, and the personalized prompt information value has the same format as the transaction authorization information, the processing flow of data format conversion is not required to be added in the process of outputting and synchronously displaying the transaction authorization information and the personalized prompt information, and the data processing overhead of the system is further reduced.

In one example, the data processing method of the present disclosure may be presented by the following scenarios:

the teller sets up individualized prompt information key through counter transaction: 99003; and personalized hint information values: the customer is delinquent in the loan and is asked to contact the customer manager. This information is registered at the head-end system. Customer a due to the delinquent loan, the customer manager sets an initial personalized reminder information key 99003 for his account 1190000000102. This information is registered at the backend system. The customer uses account 1190000000102 to withdraw money at the counter. When the back-end system executes the user validity check, personalized prompt processing is triggered, and the hit current personalized prompt information key 99003 information and other transaction authorization information (such as 10010-large transfer and authorization request) are returned to the front-end system.

The front-end system searches the current personalized prompt information key 99003 for the associated information meaning, and obtains the current personalized prompt information value of 'the customer delinquent loan, please contact the customer manager'. And the front-end system synchronously displays the transaction authorization information and the current personalized prompt information value. The teller knows the personalized prompt content of the account, informs the customer manager, and simultaneously informs the customer of the display information.

According to the data processing method provided by the embodiment of the disclosure, the personalized prompt information is used as the user-defined prompt information and flexibly stored in the second data table, and the personalized prompt information and the transaction authorization information are synchronously displayed on the basis of not increasing the user interaction behavior, so that the bank service level is favorably improved, and the customer satisfaction is increased. The second data table can be further divided into a first data sub-table and a second data sub-table, the data can be simultaneously maintained in the back-end system and the front-end system, the data call of the back-end system and the front-end system can be realized through the same field, the overhead of system data transmission and processing can be reduced, and the data access efficiency can be improved.

Fig. 6A schematically shows a block diagram of a data processing apparatus according to an embodiment of the present disclosure.

As shown in fig. 6A, another aspect of the present disclosure provides a data processing apparatus 600, and the apparatus 600 may include a building module 601, an obtaining module 602, a processing module 603, and a presentation module 604.

Wherein the building module 601 is configured to build the first data table and the second data table based on the user initial data. The user initial data comprises initial service information data and initial personalized prompt information data. Configured to construct a first data table based on the initial service information data; and constructing a second data table based on the initial personalized prompt information data.

The obtaining module 602 is configured to obtain user transaction data, the user transaction data being associated with the user initial data by a user identifier;

the processing module 603 is configured to perform transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information, and perform personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information.

The presentation module 604 is configured to perform synchronous presentation of the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

It will be appreciated that to implement the functionality described above, the building block 601 may also include a first building submodule and a second building submodule.

FIG. 6B schematically illustrates a block diagram of a build module internal device according to an embodiment of the disclosure.

As shown in fig. 6B, build module 601 may include a first build submodule 6011 and a second build submodule 6012.

The first constructing submodule 6011 is configured to construct the first data table in the backend system based on the service initial information data.

The second constructing submodule 6012 is configured to, based on the personalized hint information data, split and construct the second data table into a first data sub-table and a second data sub-table; constructing the first data sub-table in a back-end system; building the second data sub-table in a front-end system; the second data table comprises a plurality of fields; the first data sub-table and the second data sub-table comprise the same field, and the back-end system and the front-end system are connected based on the same field and realize data calling.

It should be noted that the implementation, solved technical problems, implemented functions, and achieved technical effects of each module/unit/subunit and the like in the apparatus part embodiment are respectively the same as or similar to the implementation, solved technical problems, implemented functions, and achieved technical effects of each corresponding step in the method part embodiment.

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

For example, any number of the building module 601, the obtaining module 602, the processing module 603, the displaying module 604, the first building submodule 6011, and the second building submodule 6012 may be combined and implemented in one module, or any one of the modules may be split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the building module 601, the obtaining module 602, the processing module 603, the displaying module 604, the first building submodule 6011, and the second building submodule 6012 may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementation manners of software, hardware, and firmware, or by a suitable combination of any several of them. Alternatively, at least one of the building module 601, the obtaining module 602, the processing module 603, the presenting module 604, the first building submodule 6011 and the second building submodule 6012 may be at least partially implemented as a computer program module, and when the computer program module is executed, the corresponding function may be executed.

Another aspect of the present disclosure also provides a data processing system.

Fig. 7 schematically shows a composition diagram of a data processing system according to an embodiment of the present disclosure.

As shown in fig. 7, the data processing system of the embodiment of the present disclosure includes a back-end system 701, a front-end system 702, and a network 703.

Therein, the backend system 701 may be used to build a first data table. The first database table is constructed as a business information database table.

The backend system 701 and the front-end system 702 may be used to jointly build a second data table. The second database table is constructed as a user personalized prompt information data table. The second data table may be split into a first data sub-table and a second data sub-table. A first data sub-table may be constructed based on the back-end system 701. A second data sub-table may be constructed based on the front-end system 702.

According to the data processing system of the embodiment of the present disclosure, the second data table may include a plurality of fields. The first data sub-table and the second data sub-table may include at least one same field.

According to the data processing system of the embodiment of the present disclosure, the back-end system 701 and the front-end system 702 implement a data processing function through a server. The backend system 701 is communicatively coupled to the front-end system 702 via a network 703, which network 703 may include various types of connections, such as wired, wireless communication links, or fiber optic cables, among others. The backend system 701 and the front-end system 702 connect and implement data calling based on the at least one same field.

According to the data processing system of the embodiment of the present disclosure, the data processing system may be used to implement the data processing method of the embodiment of the present disclosure.

It is understood that the number of servers in the back-end system 701 and the front-end system 702, and the number of networks 702 are merely illustrative. There may be any number of networks and servers located in the back-end and front-end systems, as desired for implementation.

FIG. 8 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure. The electronic device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 8, an electronic device 800 according to an embodiment of the present disclosure includes a processor 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. The processor 801 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 801 may also include onboard memory for caching purposes. The processor 801 may include a single processing unit or multiple processing units for performing different actions of the method flows according to embodiments of the present disclosure.

In the RAM 803, various programs and data necessary for the operation of the electronic apparatus 800 are stored. The processor 801, the ROM 802, and the RAM 803 are connected to each other by a bus 804. The processor 801 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 802 and/or RAM 803. Note that the programs may also be stored in one or more memories other than the ROM 802 and RAM 803. The processor 801 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 800 may also include input/output (I/O) interface 805, input/output (I/O) interface 805 also connected to bus 804, according to an embodiment of the present disclosure. Electronic device 800 may also include one or more of the following components connected to I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program, when executed by the processor 801, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

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

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 802 and/or RAM 803 described above and/or one or more memories other than the ROM 802 and RAM 803.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The present disclosure also provides a computer program product including one or more programs. The above-described method may be implemented as a computer software program. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program, when executed by the processor 801, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

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

Claims

1. A data processing method, comprising:

constructing a first data table and a second data table based on user initial data, wherein the user initial data comprises initial service information data and initial personalized prompt information data, and the constructing of the first data table and the second data table based on the user initial data comprises the following steps: constructing a first data table based on the initial service information data; and constructing a second data table based on the initial personalized prompt information data;

acquiring user transaction data, wherein the user transaction data is associated with the user initial data through a user identifier;

performing transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information;

personalized prompt processing is carried out on the user transaction data based on the second data table so as to obtain personalized prompt information; and

and synchronously displaying the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

2. The data processing method of claim 1, wherein the building the first data table and the second data table based on the user-initiated data further comprises:

building the first data table in a back-end system based on initial service information data; and

splitting the second data table into a first data sub-table and a second data sub-table based on initial personalized prompt information data, wherein the first data sub-table is constructed in a back-end system; building the second data sub-table in a front-end system; the second data table comprises a plurality of fields; the first data sub-table and the second data sub-table comprise at least one same field, and the back-end system and the front-end system are connected based on the at least one same field and realize data calling.

3. The data processing method of claim 2, wherein the splitting the second data table into a first data sub-table and a second data sub-table based on initial personalized hint information data further comprises:

defining a storage format of the second data table, wherein the storage format is a key-value pair format, and a plurality of fields of the second data table comprise a user identifier, an initial personalized hint information key, and an initial personalized hint information value;

storing the user identifier and the initial personalized hint information key to the first data sub-table; and

and storing the initial personalized prompt information key and the initial personalized prompt information value to the second data sub-table, wherein the back-end system and the front-end system are connected through the initial personalized prompt information key and realize data calling.

4. The data processing method of claim 3, wherein the building the first data table at a backend system based on initial service information data further comprises:

storing the initial service information data to a first data table according to a preset storage format, wherein the first data table comprises a user identifier.

5. The data processing method of claim 4, wherein the transaction authorization process and the personalization prompting process further comprise:

triggering the transaction authorization processing and the personalized prompt processing based on the same processing flow, comprising the following steps:

extracting a user transaction identifier based on the user transaction data;

a user validity checking processing flow is carried out based on the user transaction identifier, wherein the user validity checking processing flow comprises a checking method for judging transaction authorization and prompting user personalized information; the checking method of the transaction authorization judgment is associated with the initial service information data; the user personalized information prompt judgment is associated with the initial personalized prompt information data; the user validity checking and processing flow is carried out in the back-end system;

triggering transaction authorization processing based on the checking result of the transaction authorization judgment, wherein the transaction authorization processing comprises acquiring a transaction authorization code and transaction authorization information, and the transaction authorization is carried out at the back-end system; and

and triggering personalized prompt processing based on the checking result of the user personalized information prompt judgment, wherein the personalized prompt processing is carried out at the front-end system.

6. The data processing method of claim 5, wherein the checking method of the user personalized information prompt judgment comprises:

determining whether the user transaction identifier is the same as the user identifier; and

and if the user transaction identifier is the same as the user identifier, searching an initial personalized prompt information key corresponding to the user identifier based on the first data sub-table, and marking the initial personalized prompt information key as a current personalized prompt information key.

7. The data processing method of claim 6, wherein the triggering personalized hint process based on the inspection result of the user personalized information hint judgment comprises:

transmitting the current personalized prompt information key to a front-end system for processing; the front-end system processing comprises:

acquiring an initial personalized prompt information value matched with the current personalized prompt information key based on the second data sub-table, and marking the initial personalized prompt information value as a current personalized prompt information value; and

and triggering the personalized prompt information display based on the current personalized prompt information value.

8. The data processing method of claim 7, wherein the synchronously presenting transaction authorization information and personalized prompt information based on the processing results of the first data table and the second data table further comprises:

synchronously displaying the transaction authorization information and the personalized prompt information based on the front-end system;

wherein the transaction authorization information is obtained from the backend system; the personalized prompt information is obtained from the front-end system for processing.

9. The data processing method of claim 8, wherein the personalized hint information key is in the same format as the transaction authorization code; the personalized prompt information value has the same format as the transaction authorization information.

10. A data processing apparatus comprising:

a building module configured to build a first data table and a second data table based on the user initial data; the user initial data comprises initial service information data and initial personalized prompt information data; configured to construct a first data table based on the initial service information data; constructing a second data table based on the initial personalized prompt information data;

an acquisition module configured to acquire user transaction data, the user transaction data being associated with the user initial data by a user identifier;

the processing module is configured to perform transaction authorization processing on the user transaction data based on the first data table to obtain transaction authorization information, and perform personalized prompt processing on the user transaction data based on the second data table to obtain personalized prompt information; and

and the display module is configured to synchronously display the transaction authorization information and the personalized prompt information based on the processing results of the first data table and the second data table.

11. The data processing apparatus of claim 10, wherein the building module further comprises:

the first construction submodule is configured to construct the first data table in a back-end system based on the service initial information data;

and

the second construction submodule is configured to split and construct the second data table into a first data sub-table and a second data sub-table based on personalized prompt information data; constructing the first data sub-table in a back-end system; building the second data sub-table in a front-end system; the second data table comprises a plurality of fields; the first data sub-table and the second data sub-table comprise the same field, and the back-end system and the front-end system are connected based on the same field and realize data calling.

12. A data processing system comprising:

the system comprises a back-end system and a front-end system, wherein a first data table is constructed based on the back-end system; a second data table is constructed on the basis of the back-end system and the front-end system together, wherein the first database table is constructed as a business information data table, and the second database table is constructed as a user personalized prompt information data table; the second data table is divided into a first data sub-table and a second data sub-table, and the first data sub-table is constructed based on the back-end system; building a second data sub-table based on the front-end system; the second data table comprises a plurality of fields; the first data sub-table and the second data sub-table comprise at least one same field; the back end system is in communication connection with the front end system; and the back-end system and the front-end system are connected based on the at least one same field and realize data calling.

The data processing system is for implementing the method of any one of claims 2-9.

13. An electronic device, comprising:

one or more processors;

storage means for storing executable instructions which, when executed by the processor, implement a data monitoring method according to any one of claims 1 to 9.

14. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, implement a data monitoring method according to any one of claims 1 to 9.

15. A computer program product comprising one or more executable instructions which, when executed by a processor, implement the method of any one of claims 1 to 9.