CN114282923A

CN114282923A - Data processing method and device, electronic equipment and computer readable medium

Info

Publication number: CN114282923A
Application number: CN202111626177.9A
Authority: CN
Inventors: 喻强; 丁海波; 华晔锋; 丁彦; 曾楠
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-12-28
Filing date: 2021-12-28
Publication date: 2022-04-05

Abstract

The application discloses a data processing method, a data processing device, electronic equipment and a computer readable medium, which relate to the technical field of big data, in particular to the technical field of data processing, wherein the method comprises the following steps: receiving a data processing request, acquiring a corresponding database identifier, acquiring transaction data corresponding to the data processing request from a corresponding database, and sending the transaction data to a first platform; receiving a bill to be paid generated by the first platform performing data analysis on the transaction data through the analysis component; determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type; determining an account list corresponding to the bill to be charged, and determining a fee deduction account from the account list according to the fee to be charged; and deducting the fee to be collected from the deduction account. The pressure of big data analysis of the second platform is shared by the first platform, and the two platforms work in a cooperative mode and respectively play their own roles, so that the effects of supplementing each other and achieving the purpose of collecting fees on time are achieved.

Description

Data processing method and device, electronic equipment and computer readable medium

Technical Field

The present application relates to the field of big data technologies, and in particular, to a data processing method and apparatus, an electronic device, and a computer-readable medium.

Background

At present, with the development of business and the improvement of bank service quality, the charging mode of a bank is also in iterative upgrade, for example, the charging mode is similar to that the charging mode needs more and more fee through comprehensive evaluation and analysis of customers, because the monthly average balance of customer dimensionality needs to be obtained, a large-scale statistics exists, various customer information and subscription information need to be obtained, and a plurality of outbound calls need to be obtained. For the host, the statistics of the large span of the databases can generate non-functional impact on other online transactions, the host calls out a great influence on performance, if client information, subscription information and the like are needed, each system needs to push files to the host, and the dependence chain is too long, so that the risk that the cost cannot be charged on time is caused.

In the process of implementing the present application, the inventor finds that at least the following problems exist in the prior art:

for the host, the statistics of the large span of the databases can generate non-functional impact on other online transactions, the host calls out a great influence on performance, if client information, subscription information and the like are needed, each system needs to push files to the host, and the dependence chain is too long, so that the risk that the cost cannot be charged on time is caused.

Disclosure of Invention

In view of this, embodiments of the present application provide a data processing method, an apparatus, an electronic device, and a computer readable medium, which can solve the problem that, for a host, statistics of large spans of multiple databases may cause non-functional impact on other online transactions, and an outbound call of the host has a great influence on performance, and if client information, subscription information, and the like are needed, each system is needed to push a file to the host, and a long chain is relied on, which may cause a risk that a fee cannot be charged on time.

To achieve the above object, according to an aspect of an embodiment of the present application, there is provided a data processing method including:

receiving a data processing request, acquiring a corresponding database identifier, further acquiring transaction data corresponding to the data processing request from a corresponding database, and sending the transaction data to a first platform;

receiving a bill to be paid generated by the first platform performing data analysis on the transaction data through the analysis component;

determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type;

determining an account list corresponding to the bill to be charged, and further determining a fee deduction account from the account list according to the fee to be charged;

and executing the data processing request to deduct the charge to be collected from the deduction account.

Optionally, before receiving the bill to be paid generated by the first platform performing data analysis on the transaction data through the analysis component, the method further includes:

acquiring data integration demand information, and then sending the data integration demand information to a first platform, so that the first platform acquires corresponding source table information based on the data integration demand information to generate a target table file, and generates a bill to be charged based on the target table file.

Optionally, determining an account list corresponding to the to-be-charged list includes:

determining a user corresponding to the bill to be charged;

and acquiring and sequencing the account balance of each account corresponding to the user, and further determining an account list corresponding to the list to be charged based on the sequenced account balances.

Optionally, determining a deduction account from the account list according to the fee to be collected includes:

determining the priority of each account in the account list;

and determining the account corresponding to the highest priority as the deduction account.

Optionally, the executing the data processing request to deduct the charge to be collected from the deduction account includes:

comparing the account balance of the deduction account with the charge to be collected, and determining the amount of arrearage according to a preset insufficient balance processing mode in response to the fact that the account balance of the deduction account is smaller than the charge to be collected;

generating an owing detail queue and a balance change account queue corresponding to the user based on the owing amount;

and executing the arrearage compensation based on the arrearage detail queue and the balance change account queue.

Optionally, performing the arrearage reimbursement based on the arrearage detail queue and the balance change account queue, including:

and traversing the arrearage detail queue to deduct accounts one by one in the balance change account queue based on each arrearage detail in the arrearage detail queue.

Optionally, traversing the owing detail queue to deduct accounts in the balance change account queue on a per account basis of each owing detail in the owing detail queue, including:

determining the owing detail priority of each owing detail in the owing detail queue and the balance change account priority of each balance change account in the balance change account queue;

judging whether the arrearage amount corresponding to the arrearage detail with the highest priority is larger than the account balance of the balance change account with the highest priority,

if the sum of the account balances of all the balance change accounts is larger than or equal to the arrearage amount corresponding to the arrearage detail with the highest priority, deducting the balance change accounts in the balance change account queue one by one, after deducting is completed, removing the balance change accounts with the account balance being zero from the balance change account queue, removing the arrearage detail with the deducting completed from the arrearage detail queue, and further updating the balance change account priority and the arrearage detail priority;

if not, deducting the arrearage amount corresponding to the arrearage detail with the highest priority from the account balance of the balance change account with the highest priority, removing the arrearage detail after fee deduction and the balance change account with the account balance being zero, and updating the arrearage detail priority and the balance change account priority;

iteratively executing deduction of the balance change account based on the arrearage detail on the basis of the updated arrearage detail priority and the balance change account priority;

and in response to the updated owing detail priority being a null value, clearing the owing detail queue and the balance change account queue.

Optionally, after the arrearage reimbursement is performed, the method further comprises:

in response to the fact that the arrearage amount is equal to zero after the arrearage compensation is executed, updating the corresponding state of the arrearage detail in the arrearage detail queue to be the completion of the arrearage compensation;

in response to the fact that the arrearage amount is larger than zero and the balance change account queue is not cleared after the arrearage compensation is executed, updating the corresponding arrearage amount of the arrearage detail in the arrearage detail queue;

and in response to the fact that the arrearage amount is larger than zero and the balance change account queue is reset after the arrearage compensation is executed, updating the arrearage amount in the arrearage detail queue and updating the arrearage deduction times to be increased by one, and further generating an arrearage deduction report to be sent to the service node so that the service node can perform collection urging.

In addition, the present application also provides a fee collection device, including:

the first receiving unit is configured to receive the data processing request, acquire the corresponding database identification, further acquire the transaction data corresponding to the data processing request from the corresponding database and send the transaction data to the first platform;

the second receiving unit is configured to receive a bill to be charged generated by the first platform through data analysis of the transaction data by the analysis component;

the to-be-collected fee determining unit is configured to determine the type of the to-be-collected bill, send the type of the to-be-collected bill to the second platform, and receive the to-be-collected fee generated by the second platform according to the type;

the deduction account determining unit is configured to determine an account list corresponding to the to-be-paid bill and further determine a deduction account from the account list according to the to-be-paid fee;

and the execution unit is configured to execute the data processing request so as to deduct the charge to be collected from the deduction account.

Optionally, the apparatus further comprises a sending unit configured to:

Optionally, the to-be-collected fee determination unit is further configured to:

determining a user corresponding to the bill to be charged;

Optionally, the deductive account determination unit is further configured to:

determining the priority of each account in the account list;

Optionally, the execution unit is further configured to:

In addition, the present application also provides an electronic device for collecting fees, including: one or more processors; a storage device for storing one or more programs which, when executed by one or more processors, cause the one or more processors to implement the data processing method as described above.

In addition, the present application also provides a computer readable medium, on which a computer program is stored, which when executed by a processor implements the data processing method as described above.

To achieve the above object, according to still another aspect of embodiments of the present application, there is provided a computer program product.

A computer program product according to an embodiment of the present application includes a computer program, and when the computer program is executed by a processor, the computer program implements the data processing method according to an embodiment of the present application.

One embodiment of the above invention has the following advantages or benefits: the method comprises the steps of receiving a data processing request, obtaining a corresponding database identifier, further obtaining transaction data corresponding to the data processing request from a corresponding database, and sending the transaction data to a first platform; receiving a bill to be paid generated by the first platform performing data analysis on the transaction data through the analysis component; determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type; determining an account list corresponding to the bill to be charged, and further determining a fee deduction account from the account list according to the fee to be charged; and executing the data processing request to deduct the charge to be collected from the deduction account. The first platform shares the pressure of big data analysis of the second platform, so that the first platform solves the problem that the second platform is not good at big data analysis, the existing capacity of the second platform is utilized to carry out charging and arrearage management, the two platforms work in a cooperative mode and each takes its own role, the effect of complementing each other to bring out the best in each other is achieved, and the purpose of charging the fee on time is achieved.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a further understanding of the application and are not to be construed as limiting the application. Wherein:

fig. 1 is a schematic diagram of a main flow of a data processing method according to a first embodiment of the present application;

fig. 2 is a schematic diagram of a main flow of a data processing method according to a second embodiment of the present application;

fig. 3 is a schematic diagram of an application scenario of a data processing method according to a third embodiment of the present application;

FIG. 4 is a schematic diagram of the main elements of a fee collection device according to an embodiment of the present application;

FIG. 5 is an exemplary system architecture diagram to which embodiments of the present application may be applied;

fig. 6 is a schematic structural diagram of a computer system suitable for implementing the terminal device or the server according to the embodiment of the present application.

Detailed Description

The following description of the exemplary embodiments of the present application, taken in conjunction with the accompanying drawings, includes various details of the embodiments of the application for the understanding of the same, which are to be considered exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present application. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

Fig. 1 is a schematic diagram of a main flow of a data processing method according to a first embodiment of the present application, and as shown in fig. 1, the data processing method includes:

step S101, receiving a data processing request, acquiring a corresponding database identifier, further acquiring transaction data corresponding to the data processing request from a corresponding database, and sending the transaction data to a first platform.

In this embodiment, an execution subject of the data processing method (for example, a server which is independent of the second platform and the first platform and is in communication connection with the second platform and the first platform) may receive the data processing request by means of wired connection or wireless connection. In the embodiment of the present application, the first platform is a platform with data analysis capability, and the second platform is a platform with management capability. The first platform may be, for example, a big data platform, a cloud data processing platform, or the like, and is used for performing data analysis. The secondary platform may be, for example, a host platform, a management system platform, or the like, for performing charge and arrear management. The embodiment of the present application does not limit what kind of platform the first platform and the second platform are.

The fee charged or owed by the embodiment of the present application may be identified based on an account or transaction, such as an account management fee, a cost book fee, etc., which are identified based on an account, for example, in a banking system, a customer may be charged a fee for each account owned by the customer; the exchange fee, foreign exchange remittance fee, etc. are identified based on the transaction, and the customer is charged a fee for each transaction. In the process of identifying the fee, firstly, a client to be charged needs to be screened out, various dimensional data such as account balance under the name of the client, subscription relationship, age and the like need to be counted, and comprehensive analysis and evaluation are performed through the data, and the analysis and evaluation work is more suitable for a first platform (for example, a big data platform for performing data analysis). After receiving the data processing request, the execution main body can acquire the corresponding database identifier to determine which database the transaction data of the client needs to be acquired from, and further acquire the transaction data corresponding to the data processing request from the corresponding database and send the transaction data to the first platform. The first platform analyzes the transaction data through a specified analysis strategy to decide to obtain a client needing charging (a client list to be charged and a balance change client owing detail list are generated according to the client needing charging) and an account (a client account list to be charged and a balance change client account list are generated according to an account corresponding to the client needing charging) to be provided for a second platform (for example, a host platform is used for charging and owing management), and then the second platform calculates, charges and owes the fees by utilizing an existing mechanism and feeds back the result to the first platform. The design similar to the ecosystem enables the first platform to solve the problem that the second platform is not good at big data analysis, meanwhile, the existing capacity of the second platform is utilized to carry out charging and arrearage management, and the two platforms work in a cooperative mode and each takes their own job, so that the effect of complementing each other and bringing out the best in each other is achieved.

And step S102, receiving a bill to be charged generated by the first platform performing data analysis on the transaction data through the analysis component.

And the first platform screens out the clients needing to be deducted from the full amount of client information of the received transaction data by calling a client identification strategy. In an example, the client identification policy is to remove the client number obtained by the following nine rules from the full client list, and further filter the client number to be deducted to generate the list to be charged. The list to be charged may include the customers to be charged and the amount to be charged corresponding to each customer to be charged. In an example, rule 1 in the nine rules is all customer numbers with the average balance (converted by the report exchange rate of foreign currency) of the month and the day, including the current period and the regular period, being greater than 5000; rule 2 is all customer numbers for a new account opening for a product with a base product number of 002; rule 3 is the number of all clients with client level of A, B or C financing; rule 4 is all customer numbers with months of age below 216 months or above 780 months; rule 5 is the number of all employees in the specified range; rule 6 is the number of all customers who have been exempted from the rule; rule 7 is all customer numbers in the value-added contract; rule 8 numbers all customers of a contract with a particular product; rule 9 is the number of the customer holding paper gold. The foregoing is merely exemplary and is not to be construed as limiting the embodiments of the present application in any way.

And step S103, determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type.

The type of the bill to be charged may be, for example, a list of customers to be charged, a list of balance-changing customer defaulting details, a list of customer accounts to be charged, and a list of balance-changing customer accounts.

The executing agent may send the determined type of bill to be charged (which may be one or more of a bill of the customer to be charged, a bill of the balance change customer owing fee, a bill of the account of the customer to be charged, and a bill of the account of the balance change customer, for example) to the second platform. The second platform generates a corresponding fee to be collected.

For example, when the type of the to-be-charged bill sent to the second platform is the to-be-charged customer bill and the to-be-charged customer account bill, the step of generating the to-be-charged bill by the second platform is as follows: after the second platform obtains a customer list to be charged and an account list to be charged, a charging pricing structure set by pricing management is obtained according to a charging item code, basic charging information of the customer, such as charging foundation, hierarchical standards and the like, is obtained according to the charging pricing structure, differential pricing information set by the pricing management, such as customer grade, industry type and the like, standard calculation components for customer settlement are called according to the information to calculate basic charging amount, differential charging amount, final charging amount and the like, and the final charging amount and currency are adapted according to a selected deduction account. And simultaneously acquiring arrearage parameters of charge failure, including an arrearage grace period unit code, an arrearage grace period number, an arrearage exemption type code, an arrearage automatic compensation period unit code, an arrearage automatic compensation period number, an arrearage compensation balance insufficient compensation mode, a maximum automatic compensation frequency and the like, and finally forming a to-be-charged file list. Then, the second platform may determine a charging account, specifically, intelligently select an account to deduct fees according to the received account list of the customer to be charged, wherein the selection logic is to compare the calculated charging amount with the account balance of each account in the account list of the customer to be charged, preferentially obtain a home currency account with an account balance greater than the charging amount, select a foreign currency account with a sufficient balance if such an account does not exist, and select a home currency account with a maximum balance if such an account does not exist.

Then, the executing entity may receive the charges to be collected generated by the second platform according to the type, for example, the number of the charges to be collected may be one or more, and when the number of the charges to be collected is more than one, the executing entity may receive the list of the files to be collected generated by the second platform according to the type. The file list to be charged can be composed of a plurality of charges to be charged.

And step S104, determining an account list corresponding to the bill to be charged, and further determining a fee deduction account from the account list according to the fee to be charged.

Specifically, determining an account list corresponding to the to-be-charged list includes:

determining a user corresponding to the bill to be charged;

Illustratively, for each customer needing to deduct fees, a strategy of intelligently selecting a deduction account is carried out according to the correlation between the customer and the account, specifically, account balances under the name of the customer are sorted, wherein foreign currency accounts are converted by report exchange rates, two balances of a home currency account and a foreign currency account are formed and sorted from large to small respectively, then a home currency account list and a foreign currency account list are obtained respectively, and accounts with zero money in each list are cleared.

Specifically, determining a deduction account from an account list according to the fee to be collected includes:

determining the priority of each account in the account list; and determining the account corresponding to the highest priority as the deduction account.

In an example, the priority of each account is determined according to the balance of each account, and the account with the largest balance is determined as the highest priority account; the highest priority account is determined to be the deduction account. That is, the fee deduction is started from the account with the largest balance to ensure that each fee deduction recovers the fee to be collected as much as possible.

Step S105, executing the data processing request to deduct the charge to be collected from the deduction account.

Specifically, the executing the data processing request to deduct the charge to be collected from the deduction account includes:

comparing the account balance of the deduction account with the charge to be collected, and determining the amount of arrearage according to a preset insufficient balance processing mode in response to the fact that the account balance of the deduction account is smaller than the charge to be collected; generating an owing detail queue and a balance change account queue corresponding to the user based on the owing amount; and executing the arrearage compensation based on the arrearage detail queue and the balance change account queue.

After the execution main body acquires the charge to be collected and completes the selection of the deduction account, according to the acquired key information required for executing the charging, such as the charge item code, the charge currency, the charge account, the charge amount, the mode of insufficient charge balance processing, the charge failure arrearage related information and the like, executes batch call online transaction one by one, charging the fee of the deduction account, recording the charging evidence when the charging is successful, for example, marking the charged mark, and according to the different processing modes of insufficient charge balance when the charging is failed, the method can support the modes of full failure in arrearage or how many deductions are made for other arrearages, the list of successful charging and failure can be returned to the execution main body or sent to the service node in the form of a report, and the transaction result data increment can be returned to the first platform (for example, a large data platform).

Specifically, the method for executing the arrearage compensation based on the arrearage detail queue and the balance change account queue comprises the following steps:

Specifically, traversing the defaulting detail queue to deduct fees for accounts one by one in the balance change account queue based on each defaulting detail in the defaulting detail queue, comprising:

determining the owing detail priority of each owing detail in the owing detail queue and the balance change account priority of each balance change account in the balance change account queue; judging whether the arrearage amount corresponding to the arrearage detail with the highest priority is larger than the account balance of the balance change account with the highest priority, if so, adding the account balances of all the balance change accounts to be larger than or equal to the arrearage amount corresponding to the arrearage detail with the highest priority, executing fee deduction on the balance change accounts in the balance change account queue one by one, after the fee deduction is completed, removing the balance change accounts with the account balance being zero from the balance change account queue, removing the arrearage detail after the fee deduction is completed from the arrearage detail queue, and further updating the balance change account priority and the arrearage detail priority; if not, deducting the arrearage amount corresponding to the arrearage detail with the highest priority from the account balance of the balance change account with the highest priority, removing the arrearage detail after fee deduction and the balance change account with the account balance being zero, and updating the arrearage detail priority and the balance change account priority; iteratively executing deduction of the balance change account based on the arrearage detail on the basis of the updated arrearage detail priority and the balance change account priority; and in response to the updated owing detail priority being a null value, clearing the owing detail queue and the balance change account queue.

For example, when the data processing request is executed, and there is an arrearage after the charges to be collected are deducted from the deduction account, the executing agent may execute intelligent arrearage management, that is, if the previous charges have the arrearage, execute an arrearage management process, and the arrearage may be queried on a terminal interface and may be manually compensated or exempted. The arrearage also supports automatic compensation, the automatic compensation of the arrearage can set parameters such as the automatic compensation times, the automatic compensation period of the arrearage and the like, and if one arrearage is still in the automatic compensation period, the automatic compensation process can be entered. Meanwhile, a client may have a plurality of arrears and a plurality of accounts.

For example, firstly, the executive body may only deduct an account with a balance change every time to avoid a meaningless blank deduction, and specifically, the executive body may analyze the customer with the arrearage through the first platform by configuring a big data analysis policy, remove the arrearage which is not within the automatic compensation range, then link the balance information of all accounts under the name of the arrearage customer, acquire all accounts with a balance change under the name of the customer every day, and form the details of the arrearage under the name of the customer and the balance change account list to be provided to the second platform.

Secondly, the arrearages are recovered as much as possible by each deduction fee, the executive body can deduct the arrearages again through the second platform according to the list, and the balance change account under the name of the client is deducted fee one by one according to each arrearage evidence, the insufficient balance processing mode of each deduction fee is to deduct the balance to zero, and the deduction to zero means that: and if the account balance is greater than the arrearage amount, deducting the arrearage amount, if the account balance is less than the arrearage amount, completely deducting, and updating the arrearage amount to the original arrearage amount minus the deduction amount.

Then, the performance consumption is reduced as much as possible, and when the arrearage is deducted, the execution main body can be provided with two queues, wherein one queue is an under-name arrearage detail queue of the client and the other queue is an under-name balance change account queue of the client. Firstly, traversing a customer arrearage detail queue, and deducting each arrearage detail account by account, wherein the following scenes are met: scene one: if one account balance is enough to cover the arrearage amount, and the arrearage amount is completely deducted, the next one of the arrearage detail queues is processed, and the client account queue points to the first one again (namely points to the account with the first priority again); scene two: one account balance is not enough to cover the arrearage amount, but the balance of all accounts is enough to cover the arrearage amount, at the moment, deducting is carried out on accounts one by one, when the account balance is deducted to be zero balance, the account is removed from an account queue until the arrearage amount is zero, the next piece of the arrearage detail queue is processed, and the customer account queue after the zero balance account is removed is processed from the first piece again; when the arrearage amount in the arrearage evidence is zero, processing the next one, and removing the next one from the evidence list; scene three: all account balances are insufficient to cover the amount of the arrears, at which point the customer account queue may be cleared. When the next account pointed downwards by the client account queue does not exist or all the arrearage details under the client name are processed, the arrearage detail queue and the client account queue are emptied, the arrearage processing under the client name is finished, and the arrearage detail queue and the balance change client account queue of the next client are loaded.

Specifically, after the arrearage compensation is performed, the data processing method further includes:

in response to the fact that the arrearage amount is equal to zero after the arrearage compensation is executed, updating the corresponding state of the arrearage detail in the arrearage detail queue to be the completion of the arrearage compensation; in response to the fact that the arrearage amount is larger than zero and the balance change account queue is not cleared after the arrearage compensation is executed, updating the corresponding arrearage amount of the arrearage detail in the arrearage detail queue; and in response to the fact that the arrearage amount is larger than zero and the balance change account queue is reset after the arrearage compensation is executed, updating the arrearage amount in the arrearage detail queue and updating the arrearage deduction times to be increased by one, and further generating an arrearage deduction report to be sent to the service node so that the service node can perform collection urging.

For example, after the arrearage compensation is executed, one charging detail is recorded for each charge for the processing of the arrearage and the charging detail, but the execution subject may perform different processing for different scenes for the arrearage detail. If the arrearage amount is already zero after the charging is finished, updating the arrearage detail state to be that the arrearage recharging is finished, the arrearage amount is zero, if the arrearage amount is larger than zero after the charging is finished, but the next account queue exists, only updating the arrearage amount, if the arrearage amount is larger than zero after the charging is finished, and the next account queue does not exist, updating the arrearage amount and adding one to the arrearage withholding times, and generating a report to provide for the service to urge the charging.

The first platform is a platform with data analysis capability, the second platform is a platform with management capability, and the first platform and the second platform are not specifically limited in this embodiment of the present application. In the embodiment, the corresponding database identification is obtained by receiving the data processing request, and then the transaction data corresponding to the data processing request is obtained from the corresponding database and sent to the first platform; receiving a bill to be paid generated by the first platform performing data analysis on the transaction data through the analysis component; determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type; determining an account list corresponding to the bill to be charged, and further determining a fee deduction account from the account list according to the fee to be charged; and executing the data processing request to deduct the charge to be collected from the deduction account. The first platform shares the pressure of big data analysis of the second platform, so that the first platform solves the problem that the second platform is not good at big data analysis, the existing capacity of the second platform is utilized to carry out charging and arrearage management, the two platforms work in a cooperative mode and each takes its own role, the effect of complementing each other to bring out the best in each other is achieved, and the purpose of charging the fee on time is achieved.

Fig. 2 is a schematic main flow diagram of a data processing method according to a second embodiment of the present application, and as shown in fig. 2, the data processing method includes:

step S201, receiving a data processing request, acquiring a corresponding database identifier, further acquiring transaction data corresponding to the data processing request from the corresponding database, and sending the transaction data to the first platform.

Step S202, acquiring data integration demand information, and then sending the data integration demand information to a first platform, so that the first platform acquires corresponding source table information based on the data integration demand information to generate a target table file, and generates a bill to be charged based on the target table file.

In particular, the data analysis strategy is provided to the first platform (which may be a big data platform, for example) by means of data integration requirements. The data integration requirement is a data subscription policy configuration file, and the function of the data integration requirement is to enable a system to know how to generate a target table file according to the existing source table information. Its contents include two parts of table level mapping and field level mapping: the table-level mapping mainly has the function of establishing an association relationship between a designated target table and a source table, the main content of the table-level mapping is target table information and corresponding source table information, the target table information mainly comprises key information such as the name of the target table, the name of a system where the target table is located, the supply frequency requirement, the supply mode, the format of a target file, the name of the target file and the name of the target file, and the source table information mainly comprises the name of the source table, a source system and the like. The field level mapping is formulated around the forming rule of each field of the target table and comprises two parts, namely a target table field and a source table field, wherein the target table field comprises Chinese and English names, data types and lengths of the fields, whether a primary key is available or not, whether null and null value processing rules are allowed or not, and the source table field comprises a system where the source table is located, a source table English name, a source table field name, a source table data processing rule and the like.

After the first platform generates the target table file, the first platform may generate a bill to be charged based on the target table file. Specifically, a client identification policy may be invoked, the client number obtained by the following nine rules is removed from the target table file, and then the client needing to be deducted is obtained by screening, and a to-be-charged list is generated. The list to be charged may include the customers to be charged and the amount to be charged corresponding to each customer to be charged. In an example, rule 1 in the nine rules is all customer numbers with the average balance (converted by the report exchange rate of foreign currency) of the month and the day, including the current period and the regular period, being greater than 5000; rule 2 is all customer numbers for a new account opening for a product with a base product number of 002; rule 3 is the number of all clients with client level of A, B or C financing; rule 4 is all customer numbers with months of age below 216 months or above 780 months; rule 5 is the number of all employees in the specified range; rule 6 is the number of all customers who have been exempted from the rule; rule 7 is all customer numbers in the value-added contract; rule 8 numbers all customers of a contract with a particular product; rule 9 is the number of the customer holding paper gold. The above is merely an example, and is not a specific limitation to the embodiment of the present application, so as to screen out the customers who need to deduct fees and the fees to be collected, and further generate the bills to be collected.

Step S203, receiving a to-be-charged list generated by the first platform performing data analysis on the transaction data through the analysis component.

And step S204, determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type.

Step S205, determining an account list corresponding to the bill to be charged, and further determining a deduction account from the account list according to the charge to be charged.

Step S206, executing the data processing request to deduct the charge to be collected from the deduction account.

The principle of step S204 to step S206 is similar to that of step S103 to step S105, and is not described here again.

The first platform is a platform with data analysis capability, the second platform is a platform with management capability, and the first platform and the second platform are not specifically limited in this embodiment of the present application. The embodiment of the application reasonably utilizes the advantages of the first platform and the second platform respectively, integrates the advantages of the first platform and the second platform, forms a set of ecosystem which is closely matched and independent respectively, reasonably uses the data analysis capability of the first platform, and properly uses the transaction capability of the second platform, so that the system can be operated economically and practically.

According to the embodiment of the application, the intelligent analysis strategy is provided for the first platform in a data integration demand mode, and the analysis result is perfectly applied to the transaction system, so that the capacity of the whole charging system is improved on the premise of not increasing consumption of safety, equipment and the like, and the aims of intelligent charging and intelligent arrearage management are fulfilled.

The intelligent charging and intelligent arrearage management of the embodiment of the application is high in efficiency, the goal is achieved by analyzing in advance before charging, the idle consumption of a transaction system is reduced, meanwhile, accurate charging and arrearage compensation can be achieved, and the prior transaction system is difficult to achieve.

Fig. 3 is a schematic view of an application scenario of a data processing method according to a third embodiment of the present application. The data processing method of the embodiment of the application can be applied to the scene of intelligent charging. As shown in fig. 3, the server 302 receives the data processing request 301, obtains the corresponding database identifier 303, further obtains the transaction data 304 corresponding to the data processing request 301 from the corresponding database, and sends the transaction data to the first platform 305. The server 302 receives a to-be-charged list 307 generated by the first platform 305 performing data analysis on the transaction data 304 through the analysis component 306. The server 302 determines the type 308 of the bill to be charged 307 and sends the bill to be charged to the second platform 309, and receives the charge to be charged 310 generated by the second platform 309 according to the type 308. The server 302 determines the account list 311 corresponding to the to-be-charged list 307, and further determines the deduction account 312 from the account list 311 according to the to-be-charged fee 310. The server 302 executes a data processing request 301 to deduct the charge to be collected 310 from the deduction account 312. The first platform is a platform with data analysis capability, the second platform is a platform with management capability, and the first platform and the second platform are not specifically limited in this embodiment of the present application.

The embodiment of the application realizes the full-flow processing from identification to collection of the fee to be collected, and the specific execution steps comprise data supply, a big data analysis strategy, fee calculation, intelligent selection of a charging account, fee collection and intelligent arrearage compensation, wherein the data supply is an interactive tool of a second platform (such as a host platform) and a first platform (such as a big data platform), the big data analysis strategy and strategy analysis execution is completed on the first platform, the fee calculation, fee collection and arrearage management are completed on the second platform, and the two platforms are interacted through files. Specifically, data supply: the second platform provides the increment or the total amount of the received transaction data to the first platform (for example, the first platform may be a big data platform) every day, the first platform loads the source after taking the transaction data, the first platform also pushes data subscribed by the second platform to the second platform every day, and the second platform performs subsequent transaction operations after taking the transaction data. Based on the two major premises, information interaction between the two platforms can be realized. Specifically, big data analysis strategy: the embodiment of the application uses three big data analysis strategies, which are respectively as follows: the system comprises a client identification strategy, a charging account intelligent selection strategy and a arrearage compensation client account acquisition strategy. The business personnel provides three strategies to a first platform (for example, a large data platform) in a data integration demand mode, after the first platform obtains the integration demand, the first platform analyzes and executes the strategies to finally form four files of a customer list to be charged, a balance change customer defaulting detailed list, a customer account list to be charged and a balance change customer account list, and provides the four files to a second platform for the second platform to charge.

According to the embodiment of the application, a big data analysis strategy is configured in a data integration demand mode through a cooperative processing mechanism between a first platform and a second platform, the first platform provides analysis result data according to the analysis strategy, the second platform performs calculation, intelligent account selection, fee collection and intelligent arrearage management according to the analysis result data, cooperative processing is performed between the two platforms, the two platforms complement each other to form an ecosystem of a set of fees, the first platform exerts analysis advantages, and the second platform exerts trading system advantages such as fee collection, fee compensation and the like, and is good at excellence and brings out the best in each other. The method comprises the steps that an intelligent analysis strategy is provided for a first platform in a data integration demand mode based on a client identification strategy, a charging account intelligent selection strategy and an arrearage compensation client account acquisition strategy, the first platform intelligently analyzes the strategies to generate a client list to be charged, a balance change client arrearage detailed list, a client account list to be charged and a balance change client account list, and provides the client list to be charged and the balance change client account list to a second platform, and the second platform acquires the data, so that subsequent processing items such as expense calculation, fee trial charging, arrearage management and the like can be completed.

The embodiment of the application is based on a second platform arrearage processing system, and the first platform and the second platform are communicated. The first platform can intelligently analyze accounts with balance change, analyze the arrearage detail list needing automatic compensation according to customers of the accounts, and finally form a balance change customer arrearage detail list and a balance change customer account list.

Fig. 4 is a schematic diagram of the main units of a fee collection device according to an embodiment of the present application. As shown in fig. 4, the fee collection device includes a first receiving unit 401, a second receiving unit 402, a fee to be collected determination unit 403, a deduction account determination unit 404, and an execution unit 405.

A first receiving unit 401, configured to receive the data processing request, obtain a corresponding database identifier, further obtain transaction data corresponding to the data processing request from the corresponding database, and send the transaction data to the first platform;

a second receiving unit 402, configured to receive a to-be-charged bill generated by the first platform performing data analysis on the transaction data through the analysis component;

a to-be-collected fee determining unit 403 configured to determine a type of the to-be-collected bill, send the to-be-collected bill to the second platform, and receive the to-be-collected fee generated by the second platform according to the type;

a deduction account determining unit 404 configured to determine an account list corresponding to the to-be-paid bill, and further determine a deduction account from the account list according to the to-be-paid fee;

the execution unit 405 is configured to execute the data processing request to deduct the charge to be collected from the deduction account.

In some embodiments, the apparatus further comprises a transmitting unit, not shown in fig. 4, configured to: acquiring data integration demand information, and then sending the data integration demand information to a first platform, so that the first platform acquires corresponding source table information based on the data integration demand information to generate a target table file, and generates a bill to be charged based on the target table file.

In some embodiments, the to-be-collected fee determination unit 403 is further configured to: determining a user corresponding to the bill to be charged; and acquiring and sequencing the account balance of each account corresponding to the user, and further determining an account list corresponding to the list to be charged based on the sequenced account balances.

In some embodiments, the deductive account determination unit 404 is further configured to: determining the priority of each account in the account list; and determining the account corresponding to the highest priority as the deduction account.

In some embodiments, the execution unit 405 is further configured to: comparing the account balance of the deduction account with the charge to be collected, and determining the amount of arrearage according to a preset insufficient balance processing mode in response to the fact that the account balance of the deduction account is smaller than the charge to be collected; generating an owing detail queue and a balance change account queue corresponding to the user based on the owing amount; and executing the arrearage compensation based on the arrearage detail queue and the balance change account queue.

In some embodiments, the execution unit 405 is further configured to: and traversing the arrearage detail queue to deduct accounts one by one in the balance change account queue based on each arrearage detail in the arrearage detail queue.

In some embodiments, the execution unit 405 is further configured to: determining the owing detail priority of each owing detail in the owing detail queue and the balance change account priority of each balance change account in the balance change account queue; judging whether the arrearage amount corresponding to the arrearage detail with the highest priority is larger than the account balance of the balance change account with the highest priority, if so, adding the account balances of all the balance change accounts to be larger than or equal to the arrearage amount corresponding to the arrearage detail with the highest priority, executing fee deduction on the balance change accounts in the balance change account queue one by one, after the fee deduction is completed, removing the balance change accounts with the account balance being zero from the balance change account queue, removing the arrearage detail after the fee deduction is completed from the arrearage detail queue, and further updating the balance change account priority and the arrearage detail priority; if not, deducting the arrearage amount corresponding to the arrearage detail with the highest priority from the account balance of the balance change account with the highest priority, removing the arrearage detail after fee deduction and the balance change account with the account balance being zero, and updating the arrearage detail priority and the balance change account priority; iteratively executing deduction of the balance change account based on the arrearage detail on the basis of the updated arrearage detail priority and the balance change account priority; and in response to the updated owing detail priority being a null value, clearing the owing detail queue and the balance change account queue.

In some embodiments, the execution unit 405 is further configured to: in response to the fact that the arrearage amount is equal to zero after the arrearage compensation is executed, updating the corresponding state of the arrearage detail in the arrearage detail queue to be the completion of the arrearage compensation; in response to the fact that the arrearage amount is larger than zero and the balance change account queue is not cleared after the arrearage compensation is executed, updating the corresponding arrearage amount of the arrearage detail in the arrearage detail queue; and in response to the fact that the arrearage amount is larger than zero and the balance change account queue is reset after the arrearage compensation is executed, updating the arrearage amount in the arrearage detail queue and updating the arrearage deduction times to be increased by one, and further generating an arrearage deduction report to be sent to the service node so that the service node can perform collection urging.

It should be noted that, in the present application, the data processing method and the fee collecting device have corresponding relation in the specific implementation contents, so the repeated contents are not described again.

Fig. 5 illustrates an exemplary system architecture 500 to which the data processing method or the fee collection apparatus of the embodiments of the present application may be applied.

As shown in fig. 5, the system architecture 500 may include

terminal devices

501, 502, 503, a network 504, and a server 505. The network 504 serves to provide a medium for communication links between the

terminal devices

501, 502, 503 and the server 505. Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

501, 502, 503 to interact with a server 505 over a network 504 to receive or send messages or the like. The

terminal devices

501, 502, 503 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

501, 502, 503 may be various electronic devices having a fee processing screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 505 may be a server providing various services, such as a background management server (for example only) providing support for data processing requests submitted by users using the

terminal devices

501, 502, 503. The background management server can receive the data processing request, acquire the corresponding database identification, further acquire the transaction data corresponding to the data processing request from the corresponding database and send the transaction data to the first platform; receiving a bill to be paid generated by the first platform performing data analysis on the transaction data through the analysis component; determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type; determining an account list corresponding to the bill to be charged, and further determining a fee deduction account from the account list according to the fee to be charged; and executing the data processing request to deduct the charge to be collected from the deduction account. The first platform shares the pressure of big data analysis of the second platform, so that the first platform solves the problem that the second platform is not good at big data analysis, the existing capacity of the second platform is utilized to carry out charging and arrearage management, the two platforms work in a cooperative mode and each takes its own role, the effect of complementing each other to bring out the best in each other is achieved, and the purpose of charging the fee on time is achieved.

It should be noted that the data processing method provided in the embodiment of the present application is generally executed by the server 505, and accordingly, the fee collecting device is generally disposed in the server 505.

It should be understood that the number of terminal devices, networks, and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 6, shown is a block diagram of a computer system 600 suitable for use in implementing a terminal device of an embodiment of the present application. The terminal device shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.

As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM603, various programs and data necessary for the operation of the computer system 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a signal processing section such as a Cathode Ray Tube (CRT), a liquid crystal credit authorization inquiry processor (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.

In particular, according to embodiments disclosed herein, the processes described above with reference to the flow diagrams may be implemented as computer software programs. For example, embodiments disclosed herein include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present application are executed when the computer program is executed by the Central Processing Unit (CPU) 601.

It should be noted that the computer readable medium shown in the present application may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may include, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, 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), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, 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. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

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 application. 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 units described in the embodiments of the present application may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a first receiving unit, a second receiving unit, a to-be-received charge determining unit, a deduction account determining unit, and an executing unit. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.

As another aspect, the present application also provides a computer-readable medium, which may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by one of the devices, the device receives a data processing request, acquires a corresponding database identifier, and further acquires transaction data corresponding to the data processing request from a corresponding database and sends the transaction data to the first platform; receiving a bill to be paid generated by the first platform performing data analysis on the transaction data through the analysis component; determining the type of the bill to be charged, sending the bill to be charged to the second platform, and receiving the charge to be charged generated by the second platform according to the type; determining an account list corresponding to the bill to be charged, and further determining a fee deduction account from the account list according to the fee to be charged; and executing the data processing request to deduct the charge to be collected from the deduction account.

The computer program product of the present application comprises a computer program which, when executed by a processor, implements the data processing method of the embodiments of the present application.

According to the technical scheme of the embodiment of the application, the first platform shares the pressure of big data analysis of the second platform, so that the first platform solves the problem that the second platform is not good at big data analysis, meanwhile, the existing capacity of the second platform is utilized to carry out charging and arrearage management, the two platforms work in a cooperative mode and each takes their own role, the effect of complementing each other to bring out the best in each other is achieved, and the purpose of charging fees on time is achieved.

The above-described embodiments should not be construed as limiting the scope of the present application. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A data processing method, comprising:

receiving a bill to be charged generated by the first platform through data analysis of the transaction data by an analysis component;

determining the type of the bill to be charged and sending the bill to a second platform, and receiving the charge to be charged generated by the second platform according to the type;

2. The method of claim 1, wherein prior to the receiving a list to be billed generated by the first platform performing data analysis on the transaction data via an analysis component, the method further comprises:

3. The method according to claim 1, wherein the determining the account list corresponding to the to-be-charged list comprises:

determining a user corresponding to the list to be charged;

and acquiring and sequencing the account balance of each account corresponding to the user, and further determining an account list corresponding to the bill to be charged based on the sequenced account balances.

4. The method of claim 3, wherein determining a deductive account from the account list based on the charge to be collected comprises:

determining the priority of each account in the account list;

5. The method of claim 4, wherein the executing the data processing request to deduct the charge to be collected from the deductive account comprises:

6. The method of claim 5, wherein performing an arrearage reimbursement based on the arrearage detail queue and the balance change account queue comprises:

7. The method of claim 6, wherein traversing the owing detail queue to debit each account in the balance change account queue based on each owing detail in the owing detail queue comprises:

determining an owing detail priority of each owing detail in the owing detail queue and a balance change account priority of each balance change account in the balance change account queue;

if the sum of the account balances of all the balance change accounts is larger than or equal to the arrearage amount corresponding to the arrearage detail with the highest priority, deducting is carried out on the balance change accounts in the balance change account queue one by one, after deduction is completed, the balance change accounts with the account balance being zero are removed from the balance change account queue, the arrearage detail after deduction is removed from the arrearage detail queue, and then the balance change account priority and the arrearage detail priority are updated;

and in response to the updated owing detail priority being a null value, emptying the owing detail queue and the balance change account queue.

8. The method of claim 5, wherein after said performing an arrears reimbursement, the method further comprises:

in response to the fact that the arrearage amount is equal to zero after the arrearage compensation is executed, updating the state of the corresponding arrearage detail in the arrearage detail queue to be the completion of the arrearage compensation;

and in response to the fact that the arrearage amount is larger than zero and the balance change account queue is reset after the arrearage compensation is executed, updating the arrearage amount in the arrearage detail queue and updating the arrearage deduction times plus one, and further generating an arrearage deduction report to be sent to a service node so that the service node can perform collection urging.

9. A fee collection device, comprising:

the first receiving unit is configured to receive a data processing request, acquire a corresponding database identifier, further acquire transaction data corresponding to the data processing request from a corresponding database and send the transaction data to a first platform;

the second receiving unit is configured to receive a bill to be charged generated by the first platform through data analysis of the transaction data by an analysis component;

the to-be-collected fee determining unit is configured to determine the type of the to-be-collected bill, send the type of the to-be-collected bill to a second platform, and receive the to-be-collected fee generated by the second platform according to the type;

the deduction account determining unit is configured to determine an account list corresponding to the to-be-paid bill, and further determine a deduction account from the account list according to the to-be-paid fee;

an execution unit configured to execute the data processing request to deduct the charge to be collected from the deduction account.

10. The apparatus of claim 9, further comprising a transmitting unit configured to:

11. The apparatus of claim 9, wherein the charge to collect determination unit is further configured to:

determining a user corresponding to the list to be charged;

12. The apparatus of claim 11, wherein the deductive account determination unit is further configured to:

determining the priority of each account in the account list;

13. The apparatus of claim 12, wherein the execution unit is further configured to:

14. A fee collection electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.

15. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, is adapted to carry out the method of any one of claims 1-8.

16. A computer program product comprising a computer program, characterized in that the computer program realizes the method according to any of claims 1-8 when executed by a processor.