CN115545883A

CN115545883A - Data processing method, device, system, medium and product

Info

Publication number: CN115545883A
Application number: CN202211136692.3A
Authority: CN
Inventors: 董弢; 张翱; 马俊; 刘佳玥; 李佳蓬
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-09-19
Filing date: 2022-09-19
Publication date: 2022-12-30

Abstract

The application provides a data processing method, device, system, medium and product, and relates to the technical field of block chains. The method is applied to a bank server and comprises the following steps: responding to a purchase request initiated by a customer for a personal pension service provided by a seller server connected with a bank server or a redemption request initiated by the seller server, and establishing a block chain book based on the purchase request or the redemption request; when the fact that the accounting information registered in the block chain account book changes is recognized, a clearing task is generated; responding to a query request sent by a seller based on a visual interface provided by a bank server, and displaying relevant information of a clearing task; the related information of the clearing task is an execution plan, an execution state and/or an execution detail of the clearing task. The above mode enables sellers to look up the related information of the clearing task in time, and improves the transparency and reliability of the clearing process.

Description

Data processing method, device, system, medium and product

Technical Field

The present application relates to the field of block chaining technologies, and in particular, to a data processing method, apparatus, system, medium, and product.

Background

With the economic development, more and more customers choose to handle personal pension services. The personal pension refers to personal pension funds (third support) which are paid by the client independently, besides the national basic pension (first support) and the professional/enterprise pension (second support). The operation mode of the personal pension is as follows: the personal pension participates in an account system, and a customer needs to select a commercial bank on a platform of a human society department/through a channel of the commercial bank to open a bank card special for the payment investment of the personal pension, and the customer can allow a seller to use funds in the account for monitoring the investment of the returned personal pension products by using the bank card. Because of the large number of customers, it is becoming increasingly important how to liquidate the personal pension business of large-scale customers.

There are two common ways of clearing funds: the combined clearing mode and the stroke-by-stroke clearing mode have certain advantages compared with the stroke-by-stroke clearing mode. In the existing combined clearing mode, namely in a purchasing scene, an account row of a personal fund account used for paying for personal pension business of a customer collects the daily purchasing fund of the customer according to a transaction instruction, and the daily money is combined and transferred to a seller collection account; under the situation of redemption, the seller transfers the large-scale redemption money of the customer to a bank collection account corresponding to an account bank, and the account bank clears funds to the customer according to the redemption instruction set of the seller. It is difficult for the industry platform as a regulatory agency to monitor whether the fund transfer is normally operated, for the account bank as a clearing agency to clarify whether a seller has received a purchase amount or paid a redemption amount, for the fund company as a seller to know the real-time situation of the purchase amount to be transferred and whether the customer's redemption amount is present and to complete the clearing.

Therefore, the existing process of merging and clearing is a black box mode for a seller, and the seller hardly knows how much funds to be delivered are collected by a bank end at any time point aiming at a purchasing line; for the redemption/refund line, the seller hardly knows which step the clearing process of the account bank goes to, and whether the customer has completed the redemption/refund payment, that is, the existing combined clearing way has the problems of opaque clearing process and poor reliability.

Disclosure of Invention

The application provides a data processing method, a device, a system, a medium and a product, which are used for solving the problems of opaque clearing flow and poor reliability existing in the existing merging clearing mode.

According to a first aspect of the present application, there is provided a data processing method comprising:

responding to a purchase request initiated by a customer for a personal pension service provided by a seller server that establishes a connection with the bank server or a redemption request initiated by the seller server, and establishing a blockchain ledger based on the purchase request or the redemption request;

when the fact that the accounting information registered in the block chain account book changes is recognized, a clearing task is generated;

responding to a query request sent by a seller based on a visual interface provided by the bank server, and displaying relevant information of the clearing task; wherein, the related information of the clearing task is the execution plan, the execution state and/or the execution details of the clearing task.

Optionally, the establishing a blockchain ledger based on the purchase request or the redemption request includes:

establishing a personal fund account of the customer based on the purchase request; or, based on the redemption request, looking up a customer's personal funds account corresponding to the redemption request from a preset database;

responding to the association request sent by the seller server, and establishing a bank collection account corresponding to the seller server; wherein the association request is indicative of a request to establish an association between the seller server and the bank server;

broadcasting the related information of any one of the personal fund accounts and the related information of the bank collection account to an industry platform, and registering the seller collection account when the industry platform broadcasts the seller collection account provided by the seller server so as to establish the block chain account book; the industry platform is a medium for information interaction between the bank server and the seller server.

Optionally, the accounting information in the blockchain account book is accounting information of a personal fund account of the customer and/or accounting information of a banking account, and further includes:

generating corresponding account moving information when account moving processing is carried out on the personal fund account and/or the bank collection account of the customer;

and updating the accounting information of the personal capital accounts and/or the accounting information of the bank collection accounts of the clients registered in the block chain account book according to the dynamic account information.

Optionally, the generating corresponding account mobilization information when performing account mobilization processing on the personal fund account and/or the bank collection account of the customer includes:

when the bank collection account is subjected to action account processing, if the bank to which the bank collection account belongs is different from the bank to which the personal fund account of the customer corresponding to the redemption request belongs, performing information interaction with a bank server corresponding to the bank to which the personal fund account of the customer belongs to obtain confirmation information;

and generating corresponding dynamic account information according to the confirmation information.

Optionally, the generating a clearing task includes:

when the preset time condition is met, summarizing the instructions carried in the purchase request or the redemption request in the preset time period to obtain a summarized result;

and performing account checking processing on the summary result based on the block chain account book, and generating a clearing task according to the summary result after the account checking is successful.

Optionally, after generating the clearing task, the method further comprises:

and providing a corresponding clearing flow for the clearing task, and determining the execution state of the clearing task according to the starting information of the clearing flow.

Optionally, the determining the execution state of the clearing task according to the starting information of the clearing flow includes:

when the starting information of the clearing process is not started, determining that the execution state of the clearing task is a to-be-processed state;

when the starting information of the clearing process is started, determining that the execution state of the clearing task is an executing state;

when the starting information of the clearing flow is starting end and the clearing result of the clearing task is abnormal, determining that the execution state of the clearing task is a successful execution state;

and when the starting information of the clearing flow is starting end and the clearing result of the clearing task is abnormal, determining that the execution state of the clearing task is an execution failure state.

Optionally, the method further comprises:

when the clearing result of the clearing task is abnormal, establishing a corresponding abnormal label; and the abnormal label is an abnormal reason corresponding to the abnormal type.

According to a second aspect of the present application, there is provided a data processing apparatus comprising:

the establishment module is used for responding to a purchase request initiated by a customer aiming at a personal pension service provided by a seller server which is connected with the bank server or a redemption request initiated by the seller server and establishing a block chain ledger based on the purchase request or the redemption request;

the generating module is used for generating a clearing task when the fact that the accounting information registered in the block chain account book changes is identified;

the display module is used for responding to a query request sent by a seller based on a visual interface provided by the bank server and displaying the relevant information of the clearing task; wherein, the related information of the clearing task is the execution plan, the execution state and/or the execution details of the clearing task.

According to a third aspect of the present application, there is provided a data processing system comprising at least one bank server according to any one of the first aspect, a seller server, and an industry platform disposed between the bank server and the seller server; the bank server and the industry platform are respectively used as a first full node, a second full node and a sub-node of the seller server to form a distributed network, and a block chain account book is formed in the distributed network.

According to a fourth aspect of the present application, there is provided a computer-readable storage medium having stored therein computer-executable instructions for implementing the data processing method of the first aspect as described above when executed by a processor.

According to a fifth aspect of the present application, there is provided a computer program product comprising a computer program which, when executed by a processor, implements the data processing method of the first aspect.

The data processing method provided by the application responds to a purchase request initiated by a customer aiming at a personal pension service provided by a seller server which is connected with a bank server or a redemption request initiated by the seller server, and establishes a block chain account book based on the purchase request or the redemption request; when the fact that the accounting information registered in the block chain account book changes is recognized, a clearing task is generated; responding to a query request sent by a seller based on a visual interface provided by a bank server, and displaying relevant information of a clearing task; the related information of the clearing task is an execution plan, an execution state and/or an execution detail of the clearing task.

The block chain account book is applied to the clearing monitoring process of the personal pension, the block chain account book is constructed on the basis of not changing the original transaction process, information support is provided for a combined clearing mode on the basis of the block chain account book, and the mode of displaying relevant information of clearing tasks through a visual interface improves the transparency and reliability of the clearing process, so that the operation efficiency of business and the stability of clearing service are improved.

It should be understood that the statements in this section are not intended to identify key or critical features of the embodiments of the present application, nor are they intended to limit the scope of the present application. Other features of the present application will become apparent from the following description.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and, together with the description, serve to explain the principles of the application.

Fig. 1 is a schematic structural diagram of a data processing system according to an embodiment of the present application;

FIG. 2 is a functional diagram of a data processing system according to an embodiment of the present application;

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

fig. 4 is a schematic flowchart of a process of establishing a block chain ledger provided in the embodiment of the present application;

fig. 5 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application.

With the above figures, there are shown specific embodiments of the present application, which will be described in more detail below. These drawings and written description are not intended to limit the scope of the inventive concepts in any manner, but rather to illustrate the inventive concepts to those skilled in the art by reference to specific embodiments.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. The following description refers to the accompanying drawings in which the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present application.

At present, in a financial product investment scene (namely aiming at a purchasing line), funds need to be cleared to a seller from a bank card under the name of a client, the client pays by the bank card in the daytime, and two common ways are available for clearing the funds: a. the combined clearing mode is that the purchased funds are collected by a clearing bank in daytime and are combined and submitted to a public account of a seller of the product at the end of the day; b. the mode of clearing one by one, namely purchasing funds are directly transferred to a public account of a seller by a bank card under the name of a client.

Compared with the two modes, the clearing mode one by one usually requires the client to deduct money successfully in real time and give feedback of successful application to the client for purchase transaction, but the current inter-bank fund settlement can not meet the real-time requirement, and generally requires a seller to purchase fund in a bank where the private account of the client is located and transfer the private account of the current bank to a public account of the same bank. With the enrichment of customers of sellers, the customers have a large number of private account numbers of different banks, which also means that sellers need to open public accounts of different banks, and holding a large number of public accounts indirectly brings about a high management cost and a small operational risk exposure. The investment of the standard financial product is due to a plurality of factors such as a fixed investment time period (for example, within a fixed time window of a trading day of the fund product, the client can perform investment business operation), a share registration mode for holding positions for the client (share and clearing fund are independently calculated, and the share can be registered first and then cleared), and the like, the fund collection is generally performed by adopting a combined clearing mode, and the combined clearing mode is more convenient for clearing and selling parties to settle the fund by adopting a netting method so as to reduce the credit risk exposure of the two parties.

In addition to the purchase scenario, in the redemption/refund scenario (i.e. for the redemption/refund line), the fund needs to be cleared from the seller to the bank card under the name of the customer, and the consolidated clearing manner is also superior to the one-by-one clearing manner, and the one-by-one clearing manner brings great online processing and reconciliation pressure to the seller's system, so that by adopting the consolidated clearing manner, the seller makes a payment to the clearing bank for a public account and provides a clear list to be cleared to the bank, and the clearing bank completes the fund clearing to the customer, which is more convenient for the seller.

However, the method of combining and clearing funds settlement has certain disadvantages: (1) The merged clearing process is a black box mode for a seller, and the seller hardly knows how much funds to be delivered are collected by a bank end at any time point aiming at a purchasing line; for a redemption/refund line, it is difficult for the seller to know which step the clearing process of the account row goes to, and whether the customer's redemption/refund posting is complete. (2) When the inter-bank fund transaction occurs, aiming at a purchasing line, a bank end is difficult to clearly determine whether a seller receives a fund after the inter-bank fund payment; for redemption lines, the seller cannot determine whether the bank account has received redemption funds and begins redemption-payment clearing. In summary, the existing merging and clearing method has the problems of opaque clearing flow and poor reliability.

In order to solve the above technical problems, the present general inventive concept provides a data processing method, apparatus, system, medium, and product.

The following describes the technical solution of the present application and how to solve the above technical problems in detail by specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

Example 1:

distributed ledger technology is increasingly well known with the spread of blockchains and virtual currency, which is not the case, although most consider blockchains and distributed ledger technology to be interchangeable. In fact, the blockchain is only a part of the application of the distributed account book technology. The distributed account book refers to a database which exists on a plurality of nodes of a distributed network, in other words, the distributed network does not have a central server and actually consists of a plurality of full nodes/subnodes, the full nodes contain all data blocks of the account book, the subnodes only contain the data blocks related to the subnodes, and as time goes on, a chain of data blocks with data growing continuously forms the distributed account book, the account book can be considered to be stored in all the full nodes at the same time, and the storage mode determines that if one data on the account book is tampered, all the related data blocks need to be modified at the same time, and the modification is almost impossible.

Because the construction of the personal pension platform and the system is steadily promoted along with the policy and still belongs to the blue sea market, how to apply the distributed account book technology to data processing is a common pursuit of all participating mechanisms to provide powerful system support for the steady promotion of the policy and the regulatory mechanisms. Based on this, the embodiment of the application provides a data processing system.

Fig. 1 is a schematic structural diagram of a data processing system according to an embodiment of the present application. As shown in fig. 1, the data processing system provided by the embodiment of the present application includes at least one bank server 10, a seller server 20, and an industry platform 30 disposed between the bank server 10 and the seller server 20; the bank server 10 and the industry platform 30 respectively serve as a first full node, a second full node and a seller server 20 as sub-nodes to form a distributed network, and a block chain account book is formed in the distributed network.

In the embodiment of the present application, a full node refers to a node that owns a full block chain ledger. In the embodiment of the present application, the node where the bank server 10 is located and the node where the industry platform 30 is located possess information of the complete block chain ledger, and thus it can be understood that both are full nodes. The above-mentioned partial nodes are alternatively referred to as light nodes.

Further, the blockchain ledger is also called a distributed ledger. The distributed ledger has the distributed and consistent characteristic that the same data can exist in different nodes at the same time. Accounts stored in the distributed ledger include: personal funds accounts, bank collection accounts, and vendor collection accounts. Wherein: the individual money account and the bank-collected account are provided and broadcast by the bank server 10, and the seller-collected account is provided and broadcast by the seller server 20.

It should be understood that the above-mentioned bank collection account, or called bank clearing account, intermediate account, is a bank end existing as one clearing intermediate account, and is an intermediate medium of the fund flow, the bank may choose to set up one bank collection account for each seller, or may use one bank collection account for all sellers, and the bank collection account may be used as a main bearing body of fund transition in the fund clearing process by broadcasting the account, so as to facilitate the orderly operation of the whole clearing process.

The seller's collection account, also called seller's clearing account and selling organization's public account, is the seller's public account, and each seller can provide corresponding seller's collection account. When the seller receives the purchase and pays the redemption to the bank, the seller carries the payment account as the payer and the payee in the corresponding link.

For a line of purchase, funds flow from the bank collection account to the seller collection account at the time of fund transfer; for redemption/refund lines, funds flow from the seller collection account to the bank collection account at the time of funds transfer. The difference is that the account owner is one bank and the other seller.

Optionally, as can be seen in fig. 1, the participants of the personal pension service include: each bank server 10, vendor server 20 and industry platform 30. Each bank server 10 may maintain the block information of the bank account in the block chain account book, and different bank accounts are naturally isolated due to the difference of the account rows. The seller server 20 is used to maintain the block information of the seller's collection account, and the industry platform 30, also called as a supervision platform, can maintain the block information of all accounts (i.e. the individual fund account, the bank collection account and the seller collection account). The above-mentioned tile information may be understood as related information. It should be noted that the participants are not involved in the system used by the client for the following reasons: the business operation of the customer generates account change, and the change is not written by the customer to the block information, but is completed by the account management system instead.

Alternatively, since the industry platform 30 and each bank server 10 are separate systems, each system has a module for serving the entire distributed ledger and implementing the clearing monitoring function, and thus the industry platform 30 can provide another visual window.

Further, the user of the seller server 20 is an operator of the seller, which may be understood as a fund company or an insurance company that issues and sells personal pension business products. The personal fund account is a fund account number which is opened by a customer participating in the personal pension service, and the user of the bank server 10 is a staff of a clearing bank, which is also called an account bank and is a commercial bank providing the personal fund account and related fund clearing service for the personal pension service for the customer.

Further, the embodiment of the present application performs the following analysis on the function implementation of the data processing system: first, the establishment of the blockchain account book may be completed through information interaction among the bank server 10, the seller server 20, and the industry platform 30, and a specific establishment process is shown in S2011-2013 in the following embodiment 2, which is not described herein in detail. Secondly, after the block chain ledger is established, a clearing task, which is called a fund clearing task, is generated by the bank server 10, and after business scenes of personal pension product purchase, redemption and the like occur, the account bank clears the collected fund from the bank clearing account to the seller collection account or the personal fund account of the customer. The fund instruction is initiated by the seller server 20 in a purchasing scene and is sent to a corresponding account bank through the industry platform 30, the fund instruction in a redemption scene is sent to the account bank through the industry platform 30 by the seller server 20 so as to generate a clearing document package, and the flow of clearing according to the clearing document package is executed by a commercial bank. Finally, information related to the clearing task may be displayed to the seller through a visual interface provided by the bank server 10.

As shown in fig. 2, the function of the system involves the following 4 aspects:

(1) Generation and maintenance of account information for individual funds accounts: when a new customer participates in the personal pension business in one account bank, the account bank opens a corresponding personal fund account, and the account bank registers the account information to the block of the block chain account book and broadcasts the account information to the industry platform. In addition, when any accounting change occurs in a personal funds account, the account bank also needs to register the change information of the account into the blockchain ledger and broadcast the change information.

(2) Generation of bank collection accounts and seller collection accounts: after a certain bank and a certain seller establish a clearing relationship, the bank side registers block information (namely, some information of the seller, such as the seller's collection account, organization code, financial information of the bank collection account and the like) of a bank collection account which is well distributed to the seller in advance to a block chain account book; the seller needs to register the block information of the seller's collection account (e.g., the accounting information of the seller's collection account) into the block chain account book.

(3) And (3) maintaining the account information of the bank collection account and the seller collection account: the bank server 10 triggers the clearing service, and after the clearing service is developed, the payment instructions generated through various channels and various modes in the embodiment of the application are circulated according to the original clearing process, and account information is registered on the distributed account book for use and inspection of each participant. The bank server 10 and the seller server 20 collectively maintain the change in the blockchain ledger of the accounting information of the two types of accounts. That is, each participant maintains the same block chain ledger, and makes information of each node intercommunicate in a broadcast (message queue notification) manner.

(4) After the clearing task is generated, the system inquires related clearing dynamic accounts from the block chain account book by means of the flow of the clearing task (the flow is generated from actual deduction or account uploading of capital) and account information, updates the task state according to the flow and the account information, and displays the task state through a visual entrance.

In fig. 4, the seller server and the bank server register different accounts to the blockchain ledger, and may register different blocks of the same blockchain ledger.

It should be noted that the industry platform 30, in the embodiment of the present application, has functions of collecting data and supervising risks in addition to being used as a medium for data interaction between the bank server and the seller server.

In the embodiment of the application, a distributed account book technology is adopted, so that a central server does not exist among the bank server 10, the seller server 20 and the industry platform 30, and the three serve as each node on a distributed network. The bank server 10 and the industry platform 30, which are all nodes, may contain all data blocks of the blockchain ledger, while the seller server 20, which is a sub-node, only contains data blocks related to the seller. The growing data blocks may form a chain structure to form a distributed ledger.

In summary, in view of the foregoing opaque problem, the embodiment of the present application provides a data processing system, which applies the distributed ledger technology to data processing, and is used to assist a supervision platform in implementing asset flow monitoring and providing a more transparent clearing process for a bank server and a seller. Specifically, on the basis that the original transaction process is not changed, the block chain account book is constructed, the block chain account book is used as the basis, information support is provided for a combined clearing mode, and the transparency and reliability of the clearing process are improved by a mode of displaying relevant information of clearing tasks through a visual interface, so that the operation efficiency of business and the stability of clearing service are improved.

Example 2:

fig. 3 is a schematic flowchart of a data processing method according to an embodiment of the present application. As shown in fig. 3, the method of the present embodiment includes:

s201: responding to a purchase request initiated by a customer for a personal pension service provided by a seller server establishing connection with a bank server or a redemption request initiated by the seller server, and establishing a block-chain ledger based on the purchase request or the redemption request.

In the embodiment of the present application, the analysis related to the bank server, the seller server, the personal pension service, and the block chain ledger book is referred to the above data processing system, and details are not repeated here. The block chain account book can record the account-posting actions of various accounts, and provides bottom-layer data support for generating clearing tasks and visual entries corresponding to visual interfaces.

After the customer initiates a purchase request, the account bank opens a personal fund account for the customer, and the customer uses the personal fund account to conduct product investment and related business transaction with a sales organization. The sales organization initiates a fund instruction or an instruction file set, and the fund instruction or the instruction file set is forwarded to the account bank through the operation platform, and the account bank generates clearing business.

S202: when it is recognized that the accounting information registered in the blockchain ledger is changed, a clearing task is generated.

It should be understood that the accounting information in the block chain ledger includes at least one of: the fund information of the individual fund account, the fund information of the bank collection account and the fund information of the seller collection account.

In order to realize the clearing task, the bank server can determine the purchase fund for the personal pension according to the purchase request initiated by the customer, and the purchase fund of all the customers is summarized to determine the daily purchase fund clearing of the bank; the clearing document of the redemption party can be carried in the redemption request, and the bank server can analyze the clearing document of the redemption party according to the redemption request. The present application embodiments may thus generate clearing assignments for bank-seller-date dimensions based on the bank's daily purchase funds clearing and redemption side's clearing documents.

S203: responding to a query request sent by a seller based on a visual interface provided by a bank server, and displaying relevant information of a clearing task; the related information of the clearing task is an execution plan, an execution state and/or an execution detail of the clearing task.

The visual interface may be replaced with a visual portal. Through the visual portal, the seller's operator may query the execution status of the clearing task, the seller's clearing account's fund balance, etc.

The visual interface is used for displaying each clearing task and the execution details thereof recorded in the clearing task execution process, and related participants can inquire related information of the clearing tasks on the visual interface. The primary users of the application are the bank operator and the sales establishment operator. It should be noted that, the customer can inquire the relevant information of the personal pension service on the application software corresponding to the mobile banking and the sales organization. In other words, the visual interface displays the balance and the running water of the related account based on the distributed account book, and can be compared with the actual account balance and the running water from the bank server, so that the problem can be conveniently discriminated.

The key points of the embodiment of the application are as follows: establishing a distributed ledger book, generating a clearing task (or called clearing task management) and providing a visual window, wherein: the distributed account book is established in a distributed network formed by all the participants and used for providing account information of all the accounts; the clearing task management and the visual entrance are both provided by an account bank, the account bank generates a corresponding execution plan and execution details based on day-to-day and end-of-day business and keeps updating, and relevant participants such as sales organizations and industry platforms can inquire the execution condition of the clearing task from the visual entrance.

Aiming at the defects of a combined clearing mode, the embodiment of the application provides a data processing method, and the method is characterized in that a block chain account book is jointly maintained by a common participant, namely a clearing bank and a sales end, so that the transparency of a capital clearing process is improved, and a visual entrance is provided on the basis of the block chain account book and relevant information of clearing tasks, so that an operator of the sales party or a supervisor of a supervision organization can quickly review the execution state of the clearing tasks and find and position problems occurring in the clearing task execution process in time, thereby greatly reducing the operation risk of the bank end/the sales organization end and improving the clearing efficiency of personal pension business.

In one possible implementation, as shown in fig. 4, in S201, establishing a block chain ledger based on a purchase request or a redemption request includes:

s2011: establishing a personal fund account of the customer based on the purchase request; or, based on the redemption request, looking up the customer's personal funds account corresponding to the redemption request from a preset database.

S2012: and responding to the association request sent by the seller server, and establishing a bank collection account corresponding to the seller server. Wherein the association request is used to indicate a request to establish an association between the seller server and the bank server.

S2013: the related information of any person fund account and the related information of the bank collection account are broadcasted to the industry platform, and when the industry platform broadcasts the seller collection account provided by the seller server, the seller collection account is registered to establish a block chain account book. The industry platform is a medium for information interaction between the bank server and the seller server.

The above S2011 to S2013 describe a specific process of initially establishing a block chain ledger. On this basis, the following text describes how to update the existing block chain ledger, that is:

when a new personal fund account is added or a personal clearing account (namely an account redeemed/refunded) is added, the account information of the newly added personal fund account and the related information of the bank collection account are broadcasted to an industry platform. The new process is as follows: generally, a new block message is added to the block chain directory, and the message queue notifies other nodes, so as to update the block message correspondingly.

When the industry platform receives supervision and preparation data (such as balance, flow, investment transaction application and investment transaction confirmation of a personal fund account), the industry platform maintains a personal account information block (the financial information recorded on an account book) of all nodes under the industry platform and broadcasts the personal account information block to the industry platform. The supervision and backup data is generated under the following scenes: the account bank/sales organization packages and sends the fund information of the personal fund account of the customer to the industry platform, and the fund information is generated by the bank server and the sales organization system together.

When a sales organization sends a purchase instruction to an account bank through an industry platform, the instruction is used for generating corresponding account moving information besides a normal payment interface, forming an information block with account change and broadcasting the information block; or after the sales organization initiates the redemption fund transfer and the redemption file forwards the corresponding redemption instruction, the same information also enters the corresponding module of the industry platform/account bank to form an account information block and broadcast.

Through establishing the block chain account book, the embodiment of the application can provide information support for clearing task management and a visual entry, and further improves clearing efficiency.

In a possible implementation manner, the accounting information in the block chain account book is accounting information of a personal fund account of the customer and/or accounting information of a bank collection account, and before the step S202 of generating the clearing task, the method further includes:

s204: when the action account processing is carried out on the personal fund account and/or the bank collection account of the customer, corresponding action account information is generated.

S205: and updating the accounting information of the personal fund account of the client and/or the accounting information of the bank collection account registered in the blockchain account book according to the account information.

By executing S204 to S205, the embodiment of the application can update the block chain ledger in time, so that the updated block chain ledger provides more accurate data.

In one possible implementation, S204: when the action account processing is carried out on the personal fund account and/or the bank collection account of the customer, corresponding action account information is generated, and the action account information comprises the following steps:

s2041: when the bank collection account is subjected to action account processing, if the bank to which the bank collection account belongs is different from the bank to which the personal fund account of the customer corresponding to the redemption request belongs, information interaction is carried out with a bank server corresponding to the bank to which the personal fund account of the customer belongs, and confirmation information is obtained.

S2042: and generating corresponding dynamic account information according to the confirmation information.

As can be seen from the description of S2041 to S2042: in the situation of cross-bank payment in the account-posting mode, two account banks need to jointly complete application change/confirmation change actions for blocks corresponding to the same account information, so that the situation that only one-side account is done is avoided, and the reliability of settlement in the cross-bank payment scene is improved.

In one possible implementation, in S202, a clearing task is generated, including:

s2021: and when the preset time condition is met, summarizing the instructions carried in the purchase request or the redemption request in the preset time period to obtain a summarized result. The preset time condition may be to reach a point of day. The preset time period may refer to 21 points yesterday to 21 points today.

S2022: and performing account checking processing on the summary result based on the block chain account book, and generating a clearing task according to the summary result after the account checking is successful.

In the embodiment of the present application, the source of the transaction instruction is the business operation of the customer at the point-of-sale, such as purchase or redemption. The purchase triggering on-line money deduction instruction is sent to an industry platform by a seller server, the money deduction instruction is transmitted to a bank server after being verified, a corresponding TA (Transfer Agent) is registered by a sales organization to confirm the redemption, and after the redemption share is reduced, the sales organization sends the redemption clearing details (namely a redemption transaction instruction set) and the redemption money to an account bank in sequence for clearing.

And the bank server collects the purchase orders on the day after closing the balance every day according to the transaction day/institution dimension, and forms a clearing task to be used for delivering funds to the sales institution after account checking is completed. In addition, redemption clearance details form a clearing task of institution dimension at the account bank end for the collection of funds to sales institution-associated customers.

For example: the fund company determines that 10 customers need to be cleared in T days based on the redemption operation of the customers, the total clearing fund is 10 ten thousand yuan, the fund company carries the information in the redemption request to be sent to the account bank, a clearing task is formed at the account bank end, and the execution detail refers to how much fund needs to be cleared from each customer and how much fund is actually cleared from each customer in the process of executing the clearing task.

The clearing task in the application is generated based on the block chain account book, so that the relevant information of the clearing task is convenient to determine based on the block chain account book, and data support is provided for improving clearing transparency.

In one possible implementation, after generating the clearing task, between S202 and S203, the method further includes:

s206: and providing a corresponding clearing flow for the clearing task, and determining the execution state of the clearing task according to the starting information of the clearing flow.

In the embodiment of the application, the generated clearing tasks are updated to the clearing task management component of the bank server, and the execution state is continuously updated along with the execution of the clearing steps by the bank server. The embodiment of the present application does not specifically limit the specific setting of the clearing process.

By executing S206, the embodiments of the present application facilitate the operator of the supervisory authority/seller to determine the execution status of the clearing task at any time.

In one possible implementation, S206: determining the execution state of the clearing task according to the starting information of the clearing process, wherein the execution state comprises any one of the following conditions: (1) When the starting information of the clearing process is not started, determining that the execution state of the clearing task is a to-be-processed state; (2) When the starting information of the clearing process is started, determining that the execution state of the clearing task is an executing state; (3) When the starting information of the clearing process is starting end and the clearing result of the clearing task is abnormal, determining the execution state of the clearing task as a successful execution state; (4) And when the starting information of the clearing flow is starting end and the clearing result of the clearing task is abnormal, determining that the execution state of the clearing task is an execution failure state.

In summary, the execution state of the clearing task includes: the waiting state, the executing success state and the executing failure state further improve the clearing transparency through the display of the executing state of the clearing task.

The existing merging and clearing mode is basically dominated by a bank server, the bank server finishes buying fund collection or redeeming fund for a seller to be charged to a personal fund account in the daytime, a statement of account is sent to a sales organization by the bank server at the end of the day, the sales organization usually adjusts an investment document of a sales end by taking the statement of account of the bank as a final basis, if a large inconsistency occurs, clearing personnel of two parties are required to be butted, then technical personnel check one by one according to feedback information of the clearing personnel to find a source of a reconciliation failure problem, and finally negotiation processing is carried out. In conclusion, the existing merging and clearing way has the technical problems of manual participation and low clearing efficiency. Based on this, in one possible implementation, the method further includes S207: when the clearing result of the clearing task is abnormal, establishing a corresponding abnormal label; the abnormal label is an abnormal reason corresponding to the abnormal type.

In the embodiment of the application, when an abnormal condition exists in the execution process of the clearing task, the abnormal reason is recorded, such as that the execution detail of the clearing task is inconsistent with the receipt carried in the redemption request sent by the seller server, the funds to be cleared by the sales organization are inconsistent with the file set, and the clearing fund is suspended due to the abnormal condition of the personal fund account of the customer.

Further, a corresponding alarm mechanism can be set for clearing results caused by different abnormal reasons.

The industry platform node has the responsibility of monitoring the data consistency of each node block based on the monitoring role, and in order to achieve distributed consistency, accounting proofreading work needs to be carried out periodically according to terminal error reporting information fed back by an account bank/sales organization. If the execution result of the clearing task has a problem, an abnormal reason is displayed. For example: in the redemption money clearing process, the sales organization does not give the funds with the full amount, the clearing task executed by the bank server can be subjected to terminal error reporting according to the alarm mechanism, and the bank server feeds back information corresponding to the funds which are not given with the full amount by the sales organization to the industry platform.

In the embodiment of the application, the automatic error reporting mode does not need manual participation, and the clearing efficiency is further improved.

Example 3:

fig. 5 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application. The apparatus of the present embodiment may be in the form of software and/or hardware. As shown in fig. 5, the data processing apparatus provided in this embodiment includes: a creation module 51, a generation module 52 and a display module 53. Wherein:

the establishment module 51 is used for responding to a purchase request initiated by a customer aiming at a personal pension service provided by a seller server which establishes connection with a bank server or a redemption request initiated by the seller server and establishing a block chain ledger based on the purchase request or the redemption request;

a generating module 52, configured to generate a clearing task when it is recognized that the accounting information registered in the blockchain ledger is changed;

the display module 53 is used for responding to a query request sent by a seller based on a visual interface provided by a bank server and displaying relevant information of a clearing task; the related information of the clearing tasks is an execution plan, an execution state and/or an execution detail of the clearing tasks.

In a possible implementation manner, the establishing module 51 is further configured to:

establishing a personal fund account of the customer based on the purchase request; or, based on the redemption request, looking up the customer's personal funds account corresponding to the redemption request from a preset database.

Responding to a correlation request sent by a seller server, and establishing a bank collection account corresponding to the seller server; wherein the association request is indicative of a request to establish an association between the seller server and the bank server.

Broadcasting the relevant information of any one person capital account and the relevant information of the bank collection account to an industry platform, and registering the seller collection account when the industry platform broadcasts the seller collection account provided by a seller server so as to establish a block chain account book; the industry platform is a medium for information interaction between the bank server and the seller server.

In a possible implementation manner, the accounting information in the blockchain account book is accounting information of a personal fund account of the customer and/or accounting information of a banking account, and the apparatus is further configured to:

when the action account processing is carried out on the personal fund account and/or the bank collection account of the customer, corresponding action account information is generated.

In one possible implementation, the apparatus is further configured to:

In a possible implementation, the generating module 52 is further configured to:

when a preset time condition is met, summarizing the instructions carried in the purchase request or the redemption request in a preset time period to obtain a summarized result;

In one possible implementation, the apparatus, after generating the clearing task, is further configured to:

In one possible implementation, the apparatus is further configured to:

when the starting information of the clearing process is starting end and the clearing result of the clearing task is abnormal, determining the execution state of the clearing task as a successful execution state;

In one possible implementation, the apparatus is further configured to:

when the clearing result of the clearing task is abnormal, establishing a corresponding abnormal label; the abnormal label is an abnormal reason corresponding to the abnormal type.

The data processing apparatus provided in this embodiment may be configured to execute the data processing method provided in any of the above method embodiments, and the implementation principle and technical effect are similar, which are not described herein again.

In the technical scheme of the application, the collection, storage, use, processing, transmission, provision, disclosure and other processing of the related information such as financial data or user data and the like all accord with the regulations of related laws and regulations and do not violate the good custom of the public order.

The embodiment of the present application further provides a computer-readable storage medium, in which computer-executable instructions are stored, and when a processor executes the computer-executable instructions, the steps in the method in the foregoing embodiment are implemented.

Embodiments of the present application further provide a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the steps of the method in the foregoing embodiments.

Various implementations of the systems and techniques described here above may be realized in digital electronic circuitry, integrated circuitry, field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), system on a chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

A computer program for implementing the methods of the present application may be written in any combination of one or more programming languages. These computer programs may be provided to a processor or controller of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor or controller, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be performed. A computer program can execute entirely on a machine, partly on a machine, as a stand-alone software package partly on a machine and partly on a remote machine or entirely on a remote machine or electronic device.

In the context of this application, a computer readable storage medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The computer readable storage medium may be a machine readable signal medium or a machine readable storage medium. A computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a computer-readable storage medium would include an electrical connection based on 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 compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as data electronics), or that includes a middleware component (e.g., application electronics), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), wide Area Networks (WANs), and the Internet.

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present disclosure may be executed in parallel, sequentially, or in different orders, as long as the desired results of the technical solutions disclosed in the present disclosure can be achieved, and the present disclosure is not limited herein.

The above-described embodiments should not be construed as limiting the scope of the present application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the principle of the present application shall be included in the protection scope of the present application.

Claims

1. A data processing method is applied to a bank server and comprises the following steps:

responding to a purchase request initiated by a customer for a personal pension service provided by a seller server which establishes a connection with the bank server or a redemption request initiated by the seller server, and establishing a block chain ledger based on the purchase request or the redemption request;

responding to a query request sent by a seller based on a visual interface provided by the bank server, and displaying relevant information of the clearing task; the relevant information of the clearing task is an execution plan, an execution state and/or an execution detail of the clearing task.

2. The method of claim 1, wherein the establishing a blockchain ledger based on the purchase request or the redemption request comprises:

3. The method of claim 2, wherein the accounting information in the blockchain ledger is accounting information of a personal funds account of the customer and/or accounting information of a consolidated account of the bank, further comprising:

and updating the accounting information of the personal fund account of the client and/or the accounting information of the bank collection account registered in the blockchain account book according to the dynamic account information.

4. The method of claim 3, wherein generating corresponding account mobilization information when performing account mobilization processing on the customer's personal funds account and/or the bank aggregated account comprises:

5. The method of claim 1, wherein generating a clearing task comprises:

6. The method of claim 1, after generating a clearing task, further comprising:

7. The method of claim 6, wherein said determining the execution status of the clearing task based on the initiation information of the clearing process comprises:

when the starting information of the clearing flow is starting end and the clearing result of the clearing task is abnormal, determining that the execution state of the clearing task is an execution success state;

8. The method of claim 7, further comprising:

9. A data processing device is applied to a bank server and comprises the following components:

the display module is used for responding to a query request sent by a seller based on a visual interface provided by the bank server and displaying the relevant information of the clearing task; the relevant information of the clearing task is an execution plan, an execution state and/or an execution detail of the clearing task.

10. A data processing system comprising at least one bank server according to any one of claims 1 to 8, a seller server, and an industry platform disposed between the bank server and the seller server; the bank server and the industry platform are respectively used as a first full node, a second full node and a sub-node of the seller server to form a distributed network, and a block chain account book is formed in the distributed network.

11. A computer-readable storage medium, having stored thereon computer-executable instructions for implementing a data processing method according to any one of claims 1 to 8 when executed by a processor.

12. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, carries out the data processing method of any one of claims 1-8.