CN117333280A - Financial business data processing method and device, electronic equipment and product - Google Patents

Financial business data processing method and device, electronic equipment and product Download PDF

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Publication number
CN117333280A
CN117333280A CN202311316278.5A CN202311316278A CN117333280A CN 117333280 A CN117333280 A CN 117333280A CN 202311316278 A CN202311316278 A CN 202311316278A CN 117333280 A CN117333280 A CN 117333280A
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CN
China
Prior art keywords
data
financial
business data
financial business
merging
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202311316278.5A
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Chinese (zh)
Inventor
张松彬
吴剑英
林泽雄
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Construction Bank Corp
CCB Finetech Co Ltd
Original Assignee
China Construction Bank Corp
CCB Finetech Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Construction Bank Corp, CCB Finetech Co Ltd filed Critical China Construction Bank Corp
Priority to CN202311316278.5A priority Critical patent/CN117333280A/en
Publication of CN117333280A publication Critical patent/CN117333280A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0481—Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0484—Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F9/00—Arrangements for program control, e.g. control units
    • G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
    • G06F9/44—Arrangements for executing specific programs
    • G06F9/451—Execution arrangements for user interfaces

Abstract

The invention discloses a method, a device, electronic equipment and a product for processing financial business data, wherein the method comprises the following steps: responding to page triggering operation, displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object; responding to the merging triggering operation of at least two financial business data to be processed, and displaying a financial business data merging page, wherein the financial business data merging page comprises merging data items of the two financial business data to be processed; and generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item. The invention can combine the plurality of financial business data to be processed of the target object into one combined financial business data, and the plurality of financial business data are integrated under the same account for unified management, thereby simplifying the operation flow.

Description

Financial business data processing method and device, electronic equipment and product
Technical Field
The present invention relates to the field of computer application technologies, and in particular, to a method and apparatus for processing financial service data, an electronic device, and a product.
Background
In a financial business scene, multiple debt items of the same customer need to be separately checked, the flow is complicated and independent, and repeated checking situations often occur, so that the management and control disorder cannot be unified.
At present, two common debt reorganization modes are adopted, one is to realize debt reorganization by repaying new and old debts and the other is to realize normal repayment by recycling repayment. The operation flow is generally as follows: the customer manager signs up a new debt with the customer again, and then uses the new loan funds to process the original debt respectively. The operation flow is complicated, and the auditing conditions and the auditing process are complex.
In the process of realizing the invention, the prior art is found to have at least the following technical problems: 1. the operation flow is complicated; 2. the auditing conditions and the auditing process are complex.
Disclosure of Invention
The invention provides a processing method, a processing device, electronic equipment and a product of financial business data, which realize that a plurality of financial business data are combined into one financial business data, and simplify the management and operation process of the financial business data.
According to an aspect of the present invention, there is provided a method for processing financial service data, including:
Responding to page triggering operation, displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object;
responding to the merging triggering operation of at least two financial business data to be processed, and displaying a financial business data merging page, wherein the financial business data merging page comprises merging data items of the two financial business data to be processed;
and generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item.
Optionally, the preset merging attribute of the financial service data to be processed is displayed in the financial service data display page, where the preset merging attribute includes one or more of the following: the associated deadline and associated object of the financial transaction data.
Optionally, after displaying the financial business data presentation page, the method further comprises:
and responding to the merging preview operation, displaying the financial business data set capable of executing the merging operation in the financial business data display page, wherein preset merging attributes of at least two financial business data in the financial business data set capable of executing the merging operation are matched.
Optionally, before the financial service data merging page is displayed, the method further includes:
and matching preset merging attributes of the at least two financial service data to be processed, and displaying prompt information which cannot be merged on the financial service data display page under the condition that any preset merging attribute is not matched.
Optionally, the merging data items in the financial service data merging page comprise inheritance data items and data items to be configured; the data content of the inheritance data item is inherited from any one of the financial business data to be processed or the appointed financial business data to be processed.
Optionally, the financial service data merging page includes a configuration control of the data item to be configured; the configuration control is used for acquiring configuration data of the data item to be configured.
Optionally, the method further comprises:
and carrying out risk state evaluation and data verification on the combined financial business data.
Optionally, the risk status assessment includes:
acquiring an associated object of the combined financial service data;
performing risk state assessment on the combined financial business data based on the financial business amount of the associated object; and/or performing risk status assessment based on historical financial business operations of the associated object.
Optionally, the data verification includes:
acquiring a plurality of types of deadline information of the merged financial business data;
and verifying the time limit information of the multiple types based on time sequence conditions among the time limit of each type.
Optionally, the method further comprises:
transmitting the combined financial service data to an auditing end;
and receiving feedback information of the auditing end, canceling the merging processing of the at least two financial business data to be processed and displaying prompt information under the condition that the feedback information does not pass.
According to an aspect of the present invention, there is provided a financial business data processing apparatus including:
the financial business data display page display module is used for responding to page triggering operation and displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object;
the financial business data merging page display module is used for responding to merging triggering operation of at least two financial business data to be processed, displaying a financial business data merging page, wherein the financial business data merging page comprises merging data items of the two financial business data to be processed;
And the merged financial business data generation module is used for responding to the configuration operation of the merged data item and generating merged financial business data of the at least two financial business data to be processed.
Optionally, the device further includes a merging preview module, configured to respond to the merging preview operation, and display a financial service data set capable of performing the merging operation in the financial service data display page, where preset merging attributes of at least two financial service data in the financial service data set capable of performing the merging operation are matched.
According to another aspect of the present invention, there is provided an electronic apparatus including:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein,
the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the method of processing financial transaction data according to any one of the embodiments of the present invention.
According to another aspect of the present invention, there is provided a computer readable storage medium storing computer instructions for causing a processor to execute a method for processing financial transaction data according to any one of the embodiments of the present invention.
According to another aspect of the present invention, there is provided a computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method for processing financial transaction data according to any of the embodiments of the present invention.
According to the technical scheme, the financial business data display page is displayed by responding to the page triggering operation, and the financial business data display page comprises a plurality of to-be-processed financial business data of the target object; responding to the merging triggering operation of at least two financial service data to be processed, displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two financial service data to be processed; and generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item. The financial business data to be processed of the target object can be combined into one combined financial business data, and the financial business data are integrated under the same account for unified management, so that the operation flow is simplified.
It should be understood that the description in this section is not intended to identify key or critical features of the embodiments of the invention or to delineate the scope of the invention. Other features of the present invention will become apparent from the description that follows.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a method for processing financial business data according to an embodiment of the present invention;
fig. 2 is a flowchart of a method for processing financial service data according to a second embodiment of the present invention;
fig. 3 is a flowchart of a method for processing financial service data according to a third embodiment of the present invention;
fig. 4 is a flowchart of a method for processing financial service data according to a fourth embodiment of the present invention;
fig. 5 is a flowchart of a method for processing financial service data according to a fifth embodiment of the present invention;
fig. 6 is a schematic diagram of an audit process for merging financial service data according to a fifth embodiment of the present invention;
fig. 7 is a schematic structural diagram of a financial service data processing device according to a sixth embodiment of the present invention;
fig. 8 is a schematic structural diagram of an electronic device according to a seventh embodiment of the present invention.
Detailed Description
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
The technical scheme related to the application obtains, stores and/or processes the data, and accords with the relevant regulations of national laws and regulations.
Example 1
Fig. 1 is a flowchart of a method for processing financial service data according to an embodiment of the present invention, where the method may be performed by a financial service data processing device, and the financial service data processing device may be implemented in hardware and/or software, and the financial service data processing device may be configured in an electronic device according to an embodiment of the present invention. As shown in fig. 1, the method includes:
and S110, responding to page triggering operation, displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of the target object.
The page triggering operation may be a clicking operation of a merging and splitting control, where the merging and splitting control is set at the menu entry. The financial transaction data may be debt data of the target object, specifically, the financial transaction data includes, but is not limited to, a payment number of the debt, a borrower name, a balance of the debt, a due date of interest, a total amount of the debt, and the like, each of which corresponds to one data item, and the debt may be any financial tool, such as a loan, a bond, and the like of the target object, which is not limited herein.
In the embodiment, a financial service data display page is displayed in response to clicking operation of a merging and splitting control at a menu entry; the financial business data display page comprises a to-be-processed financial business data display area, and a plurality of to-be-processed financial business data of target objects are displayed in the display area.
On the basis of the foregoing embodiment, optionally, the preset merging attribute of the to-be-processed financial service data is displayed in the financial service data display page, where the preset merging attribute includes one or more of the following: the associated deadline and associated object of the financial transaction data.
The preset merging attribute is an attribute for judging whether merging can be performed between the financial services to be processed, specifically, the preset merging attribute comprises a correlation period of financial service data and a correlation object, and the correlation period can be an interest expiration date of the financial service data to be processed; the associated object refers to the borrower, i.e., the borrower name of the financial transaction data. That is, taking two to-be-processed financial service data as an example, if the names and/or interest due dates of borrowers in the to-be-processed financial service data a and the to-be-processed financial service data B are the same, the to-be-processed financial service data a and the to-be-processed financial service data B may be combined.
And S120, responding to the merging triggering operation of at least two pieces of financial service data to be processed, and displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two pieces of financial service data to be processed.
Illustratively, at least two pieces of financial service data to be processed are selected in response to a selection operation of the financial service data to be processed in the financial service data display page, a financial service data merging page is displayed in response to a triggering operation of the merging control, and merging data items of the selected financial service data to be processed are displayed in the financial service data merging page.
On the basis of the above embodiment, optionally, the merging data items in the financial service data merging page include an inheritance data item and a data item to be configured; the data content of the inheritance data item is inherited from any one of the financial business data to be processed or the appointed financial business data to be processed.
The inheritance data item refers to a data item directly inheriting data content from any selected financial service data to be processed or appointed financial service data to be processed, specifically, the inheritance data item comprises a basic data item and a non-redefinable data item, and the basic data item comprises, but is not limited to, data items of basic data such as supporting basic information, usage detail information, rate information, guarantee information, paying information, repayment information, green credit information and the like; the non-redefinable data items include, but are not limited to, cycle type, silver loan flag, whether to leave business, international settlement style, promise flag, automatic payoff flag, etc. the non-redefinable data items are defined. The embodiment enables the business information of the combined data item not to deviate from the original financial business data to be processed by inheriting the data content of the financial business data to be processed.
The data items to be configured refer to data items to be configured, specifically, the data items to be configured include, but are not limited to, date and term of due date of loan, information of supervision attribute of loan, guarantee of loan, main direction of loan when dispensing, interest rate, settlement condition, repayment condition, pricing bill, and the like, which need to be reconfigured, and are not limited herein.
On the basis of the above embodiment, optionally, the financial service data merging page includes a configuration control of the data item to be configured; the configuration control is used for acquiring configuration data of the data item to be configured.
Specifically, each data item to be configured in the financial service data merging page is provided with a corresponding configuration control, and the configuration control application configures the corresponding data item. Configuration controls include, but are not limited to, drop down lists, input boxes, and the like, without limitation. Illustratively, taking the repayment condition data item as an example, the repayment condition data item needs to be configured with a repayment mode, a overdue repayment mode, an automatic repayment sign and the like,
s130, generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item.
The configuration operation refers to a configuration operation of a configuration control corresponding to the data to be configured, specifically, the configuration operation may be an expanding operation and a selecting operation of a drop-down list, or may be an input operation of an input box, and different configuration operations corresponding to different configuration controls are not limited herein. In the embodiment, each data item to be configured is configured in response to the configuration operation of the corresponding configuration control of each data item to be configured in the combined data items; after the configuration of all the items to be configured is completed, responding to the triggering operation of the storage control in the financial business data merging page, and storing the configuration data of all the items to be configured, thereby obtaining the merged financial business data. The merged financial business data refers to merged financial business data of at least two financial business data to be processed.
According to the technical scheme, a financial service data display page is displayed by responding to page triggering operation, and the financial service data display page comprises a plurality of to-be-processed financial service data of a target object; responding to the merging triggering operation of at least two financial service data to be processed, displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two financial service data to be processed; and generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item. The financial business data to be processed of the target object can be combined into one combined financial business data, and the financial business data are integrated under the same account for unified management, so that the operation flow is simplified.
Example two
Fig. 2 is a flowchart of a financial service processing method according to a second embodiment of the present invention, where the embodiments of the present invention may be combined with various alternatives in the foregoing embodiments. In an embodiment of the present invention, optionally, after displaying the financial service data presentation page, the method further includes: and responding to the merging preview operation, displaying the financial business data set capable of executing the merging operation in the financial business data display page, wherein preset merging attributes of at least two financial business data in the financial business data set capable of executing the merging operation are matched.
As shown in fig. 2, the method in the embodiment of the present invention specifically includes the following steps:
and S210, responding to page triggering operation, displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of the target object.
And S220, responding to the merging preview operation, and displaying the financial business data set capable of executing the merging operation in the financial business data display page, wherein preset merging attributes of at least two financial business data in the financial business data set capable of executing the merging operation are matched.
The merging preview operation may be a triggering operation of the merging preview control. The financial service data set capable of performing the merging operation is a data set formed by at least two financial service data capable of performing the merging operation, and if preset merging attributes of the two financial service data are matched, the two financial service data are indicated to be the financial service data capable of performing the merging operation, so that the financial service data set capable of performing the merging operation can be formed. In this embodiment, at least two financial service data capable of executing the merging operation are selected in response to a selection operation of the financial service data to be processed in the financial service data display page, and a financial service data group capable of executing the merging operation is displayed in the financial service data display page in response to a triggering operation of the merging preview control. Optionally, in response to the triggering operation of the merging preview control, financial service data meeting the conditions of executing the merging operation in the financial service data to be processed is screened out to form a financial service data group capable of executing the merging operation and is displayed in a financial service data display page. The merging operation condition is that preset merging attributes of financial business data are matched. That is, in response to the triggering operation of the merging preview control, the financial business data with matched preset merging attributes in the financial business data to be processed is screened out, so that a financial business data set capable of executing the merging operation is formed and displayed in a financial business data display page.
And S230, responding to the merging triggering operation of at least two pieces of financial service data to be processed, and displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two pieces of financial service data to be processed.
Illustratively, the financial transaction data merge page is presented in response to a merge trigger operation on a financial transaction data set in the financial transaction data presentation page that may perform the merge operation.
S240, generating the combined financial business data of the at least two financial business data to be processed in response to the configuration operation of the combined data item.
According to the technical scheme of the embodiment, the financial business data set capable of executing the merging operation is previewed by responding to the merging preview operation and displaying the financial business data set capable of executing the merging operation in the financial business data display page.
Example III
Fig. 3 is a flowchart of a processing method of financial service data according to a third embodiment of the present invention, where the embodiments of the present invention may be combined with each of the alternatives in the foregoing embodiments. In an embodiment of the present invention, optionally, before displaying the financial service data merging page, the method further includes: and matching preset merging attributes of the at least two financial service data to be processed, and displaying prompt information which cannot be merged on the financial service data display page under the condition that any preset merging attribute is not matched.
As shown in fig. 3, the method in the embodiment of the present invention specifically includes the following steps:
and S310, responding to the page triggering operation, and displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of the target object.
And S320, responding to the merging preview operation, and displaying the financial business data set capable of executing the merging operation in the financial business data display page, wherein preset merging attributes of at least two financial business data in the financial business data set capable of executing the merging operation are matched.
S330, matching preset merging attributes of the at least two financial service data to be processed, and displaying prompt information which cannot be merged on the financial service data display page under the condition that any preset merging attribute is not matched.
In this embodiment, before the financial service data merging page is displayed, that is, before at least two financial service data to be processed are merged, preset merging attributes of the financial service data to be processed are matched, if any preset merging attribute between the financial service data to be processed is not matched, it indicates that the financial service data to be processed cannot be merged, prompt information is generated, and the prompt information is displayed on the financial service data display page. For example, assuming that the financial service data a and the financial service data B are to be combined, the preset combination attribute of the financial service data a and the financial service data B needs to be matched first, if any preset combination attribute of the financial service data a and any preset combination attribute of the financial service data B are not matched, prompt information is generated and displayed on a financial service data display page, and the prompt information may be that the financial service data a and the financial service data B cannot be combined.
And S340, responding to the merging triggering operation of at least two pieces of financial service data to be processed, and displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two pieces of financial service data to be processed.
S350, generating the combined financial business data of the at least two financial business data to be processed in response to the configuration operation of the combined data item.
According to the technical scheme, the preset merging attributes of at least two pieces of financial service data to be processed are matched before the financial service data merging page is displayed, and prompt information which cannot be merged is displayed on the financial service data displaying page under the condition that any preset merging attribute is not matched. And matching preset merging attributes of at least two financial service data to be processed to detect whether the financial service data to be processed can be merged or not, so that prompt is timely carried out, and useless operation is avoided.
Example IV
Fig. 4 is a flowchart of a processing method of financial service data according to a fourth embodiment of the present invention, where the embodiments of the present invention may be combined with each of the alternatives in the foregoing embodiments. In an embodiment of the present invention, optionally, the method further includes: and carrying out risk state evaluation and data verification on the combined financial business data.
As shown in fig. 4, the method in the embodiment of the present invention specifically includes the following steps:
s410, responding to the page triggering operation, displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object.
And S420, responding to the merging preview operation, and displaying financial business data groups capable of executing the merging operation in the financial business data display page, wherein preset merging attributes of at least two financial business data in the financial business data groups capable of executing the merging operation are matched.
And S430, matching preset merging attributes of the at least two financial service data to be processed, and displaying prompt information which cannot be merged on the financial service data display page under the condition that any preset merging attribute is not matched.
S440, responding to the merging triggering operation of at least two pieces of financial service data to be processed, and displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two pieces of financial service data to be processed.
S450, generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item.
S460, carrying out risk state evaluation and data verification on the combined financial business data.
In this embodiment, risk management and control are performed on data items and compliance content of the combined financial service data exceeding the combined scope from two aspects, specifically, risk status assessment is performed on the combined financial service data, and risk data verification is performed on the combined financial service data.
On the basis of the above embodiment, optionally, acquiring an association object of the merged financial service data; performing risk state assessment on the combined financial business data based on the financial business amount of the associated object; and/or performing risk status assessment based on historical financial business operations of the associated object.
The association object of the merged financial service data is inherited from the financial service data to be processed, and specifically, the association object may be a borrower or a guarantee person, which is not limited herein. In this embodiment, risk status evaluation may be performed on the consolidated financial service data according to the financial service amount of the associated object, so as to determine whether the associated object meets the borrowing standard, whether the credit line has been rated, and whether the status is normal according to the risk status evaluation result. Optionally, risk state evaluation may also be performed according to historical financial service operations of the associated object, so as to determine, according to a result of the risk state evaluation, whether the associated object meets the borrowing standard, whether the credit line has been rated, and whether the state is normal.
On the basis of the above embodiment, optionally, the data verification includes: acquiring a plurality of types of deadline information of the merged financial business data; and verifying the time limit information of the multiple types based on time sequence conditions among the time limit of each type.
The types of the deadline information include, but are not limited to, a due date, an interest due date, a cash release date, and the like, which are not limited herein. In this embodiment, the term information of each type of the merged financial service data is obtained, and the term information of each type is verified according to the time sequence condition between the terms of each type. Taking three types of deadlines of the support expiration date, the interest expiration date and the payment date as examples, the time sequence conditions of the three types of deadlines of the support expiration date, the interest expiration date and the payment date are as follows: and checking the acquired deadline information of each type according to the time sequence conditions, and if the time sequence conditions are met, checking.
According to the technical scheme, risk state evaluation and data verification are carried out on the combined financial business data, so that the risk of financial business is reduced, and the safety of the combined financial business data is improved.
Example five
Fig. 5 is a flowchart of a processing method of financial service data according to a fifth embodiment of the present invention, where the embodiments of the present invention may be combined with each of the alternatives in the foregoing embodiments. In an embodiment of the present invention, optionally, the method further includes: transmitting the combined financial service data to an auditing end; and receiving feedback information of the auditing end, canceling the merging processing of the at least two financial business data to be processed and displaying prompt information under the condition that the feedback information does not pass.
As shown in fig. 5, the method in the embodiment of the present invention specifically includes the following steps:
and S510, responding to the page triggering operation, and displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of the target object.
And S520, responding to the merging preview operation, and displaying the financial business data set capable of executing the merging operation in the financial business data display page, wherein preset merging attributes of at least two financial business data in the financial business data set capable of executing the merging operation are matched.
And S530, matching preset merging attributes of the at least two financial service data to be processed, and displaying prompt information which cannot be merged on the financial service data display page under the condition that any preset merging attribute is not matched.
S540, responding to the merging triggering operation of at least two pieces of financial service data to be processed, and displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two pieces of financial service data to be processed.
S550, generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item.
S560, carrying out risk state evaluation and data verification on the combined financial business data.
S570, sending the combined financial business data to an auditing end; and receiving feedback information of the auditing end, canceling the merging processing of the at least two financial business data to be processed and displaying prompt information under the condition that the feedback information does not pass.
In this embodiment, the merged financial service data may be sent to an auditing end for auditing, where the specific auditing process is: transmitting the combined financial business data to an auditing end; the auditing terminal receives the merged financial business data, audits the merged financial business data to obtain an auditing result, and returns feedback information according to the auditing result; and receiving feedback information of the auditing end, canceling merging processing of at least two financial business data to be processed under the condition that the feedback information does not pass, and displaying prompt information. The feedback result is a classification result, and the feedback result comprises a pass type and a fail type. The prompt information can be displayed on the financial business data merging page in a popup window mode, and specifically, the content of the prompt information can be that the verification is not passed and the prompt information cannot be merged.
In some embodiments, optionally, if the combined financial service data is nonstandard data, review of the combined financial service data is required, specifically, the review terminal receives the combined financial service data, reviews the combined financial service data to obtain an audit result, if the audit result is passed, judges whether the combined financial service data is nonstandard data, if yes, reviews the combined financial service data to obtain a review result, and returns feedback information according to the review result. The nonstandard data refers to nonstandard financial transaction data, and concretely, nonstandard data includes, but is not limited to nonstandard loans, nonstandard bonds and the like, and is not limited herein.
Fig. 6 is a schematic diagram of an audit process for merging financial service data according to a fifth embodiment of the present invention.
According to the technical scheme, the merged financial service data are sent to the auditing end for auditing, and under the condition that feedback information of the auditing end is not passed, merging processing of the at least two financial service data to be processed is canceled, and prompt information is displayed. The risk of financial business can be reduced, and meanwhile, the auditing conditions and auditing flow are simplified.
Example six
Fig. 7 is a schematic structural diagram of a financial service data processing device according to a sixth embodiment of the present invention. As shown in fig. 7, the apparatus includes:
the financial business data display page display module 710 is configured to display a financial business data display page in response to a page triggering operation, where the financial business data display page includes a plurality of to-be-processed financial business data of a target object;
the financial service data merging page display module 720 is configured to respond to a merging trigger operation for at least two financial service data to be processed, and display a financial service data merging page, where the financial service data merging page includes merging data items of the two financial service data to be processed;
and a combined financial business data generating module 730, configured to generate combined financial business data of the at least two to-be-processed financial business data in response to a configuration operation on the combined data item.
Displaying a financial business data display page in response to the page triggering operation, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object; responding to the merging triggering operation of at least two financial service data to be processed, displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two financial service data to be processed; and generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item. The financial business data to be processed of the target object can be combined into one combined financial business data, and the financial business data are integrated under the same account for unified management, so that the operation flow is simplified.
On the basis of the foregoing embodiment, optionally, the preset merging attribute of the to-be-processed financial service data is displayed in the financial service data display page, where the preset merging attribute includes one or more of the following: the associated deadline and associated object of the financial transaction data.
Based on the foregoing embodiment, optionally, the apparatus further includes a merge preview module, configured to display, in response to the merge preview operation, a financial service data set capable of performing the merge operation in the financial service data display page, where preset merge attributes of at least two financial service data in the financial service data set capable of performing the merge operation match.
On the basis of the above embodiment, optionally, the device further includes a preset merge attribute matching module, configured to match preset merge attributes of the at least two to-be-processed financial service data, and display prompt information that cannot be merged on the financial service data display page when any preset merge attribute is not matched.
On the basis of the above embodiment, optionally, the merging data items in the financial service data merging page include an inheritance data item and a data item to be configured; the data content of the inheritance data item is inherited from any one of the financial business data to be processed or the appointed financial business data to be processed.
On the basis of the above embodiment, optionally, the financial service data merging page includes a configuration control of the data item to be configured; the configuration control is used for acquiring configuration data of the data item to be configured.
Based on the foregoing embodiment, optionally, the apparatus further includes an evaluation and verification module, configured to perform risk status evaluation and data verification on the consolidated financial service data.
On the basis of the above embodiment, optionally, the evaluation and verification module includes a risk status evaluation unit, configured to obtain an associated object of the consolidated financial service data; performing risk state assessment on the combined financial business data based on the financial business amount of the associated object; and/or performing risk status assessment based on historical financial business operations of the associated object.
On the basis of the above embodiment, optionally, the evaluation and verification module further includes a data verification unit, configured to obtain a plurality of types of deadline information of the consolidated financial service data; and verifying the time limit information of the multiple types based on time sequence conditions among the time limit of each type.
On the basis of the above embodiment, optionally, the apparatus further includes an auditing module, configured to send the consolidated financial service data to an auditing end; and receiving feedback information of the auditing end, canceling the merging processing of the at least two financial business data to be processed and displaying prompt information under the condition that the feedback information does not pass.
The processing device for the financial service data provided by the embodiment of the invention can execute the processing method for the financial service data provided by any embodiment of the invention, and has the corresponding functional modules and beneficial effects of the execution method.
Example seven
Fig. 8 is a schematic structural diagram of an electronic device according to a seventh embodiment of the present invention. The electronic device 10 is intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. Electronic equipment may also represent various forms of mobile devices, such as personal digital processing, cellular telephones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be exemplary only, and are not meant to limit implementations of the inventions described and/or claimed herein.
As shown in fig. 8, the electronic device 10 includes at least one processor 11, and a memory, such as a Read Only Memory (ROM) 12, a Random Access Memory (RAM) 13, etc., communicatively connected to the at least one processor 11, in which the memory stores a computer program executable by the at least one processor, and the processor 11 may perform various appropriate actions and processes according to the computer program stored in the Read Only Memory (ROM) 12 or the computer program loaded from the storage unit 18 into the Random Access Memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 may also be stored. The processor 11, the ROM 12 and the RAM 13 are connected to each other via a bus 14. An input/output (I/O) interface 15 is also connected to bus 14.
Various components in the electronic device 10 are connected to the I/O interface 15, including: an input unit 16 such as a keyboard, a mouse, etc.; an output unit 17 such as various types of displays, speakers, and the like; a storage unit 18 such as a magnetic disk, an optical disk, or the like; and a communication unit 19 such as a network card, modem, wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information/data with other devices via a computer network, such as the internet, and/or various telecommunication networks.
The processor 11 may be a variety of general and/or special purpose processing components having processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), various specialized Artificial Intelligence (AI) computing chips, various processors running machine learning model algorithms, digital Signal Processors (DSPs), and any suitable processor, controller, microcontroller, etc. The processor 11 performs the respective methods and processes described above, for example, the processing method of financial service data.
In some embodiments, the method of processing financial transaction data may be implemented as a computer program tangibly embodied on a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and/or installed onto the electronic device 10 via the ROM 12 and/or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the above-described financial transaction data processing method may be performed. Alternatively, in other embodiments, the processor 11 may be configured to perform the processing of financial transaction data in any other suitable manner (e.g., by means of firmware).
Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuit systems, field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), systems On 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, the one or more computer programs may be executed and/or interpreted on a programmable system including at least one programmable processor, which may be a special purpose or general-purpose programmable processor, that may receive data and instructions from, and transmit data and instructions to, a storage system, at least one input device, and at least one output device.
A computer program for carrying out methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be implemented. The computer program may execute entirely on the machine, partly on the machine, as a stand-alone software package, partly on the machine and partly on a remote machine or entirely on the remote machine or server.
Example eight
An eighth embodiment of the present invention also provides a computer-readable storage medium storing computer instructions for causing a processor to execute a processing method of financial service data, the method including:
responding to the page triggering operation, displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object; responding to the merging triggering operation of at least two financial service data to be processed, displaying a financial service data merging page, wherein the financial service data merging page comprises merging data items of the two financial service data to be processed; and generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item.
In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. The 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. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-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 portable 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 an electronic device 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) through which a user can provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user may 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 input, speech input, or tactile input.
The systems and techniques described here can be implemented in a computing system that includes a background component (e.g., as a data server), or that includes a middleware component (e.g., an application server), 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 background, 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), blockchain networks, and the internet.
The computing system may include clients and servers. The client and server are typically remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical hosts and VPS service are overcome.
It should be appreciated that various forms of the flows shown above may be used to reorder, add, or delete steps. For example, the steps described in the present invention may be performed in parallel, sequentially, or in a different order, so long as the desired results of the technical solution of the present invention are achieved, and the present invention is not limited herein.
Example nine
The ninth embodiment of the present invention also provides a computer program product, which includes a computer program, where the computer program when executed by a processor implements the method for processing financial service data according to any embodiment of the present invention.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives are possible, depending on design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims (15)

1. A method for processing financial business data, comprising:
responding to page triggering operation, displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object;
responding to the merging triggering operation of at least two financial business data to be processed, and displaying a financial business data merging page, wherein the financial business data merging page comprises merging data items of the two financial business data to be processed;
and generating the merged financial business data of the at least two financial business data to be processed in response to the configuration operation of the merged data item.
2. The method of claim 1, wherein the financial transaction data presentation page presents preset merge attributes of the financial transaction data to be processed, wherein the preset merge attributes include one or more of: the associated deadline and associated object of the financial transaction data.
3. The method of claim 1, wherein after displaying the financial transaction data presentation page, the method further comprises:
and responding to the merging preview operation, displaying the financial business data set capable of executing the merging operation in the financial business data display page, wherein preset merging attributes of at least two financial business data in the financial business data set capable of executing the merging operation are matched.
4. The method of claim 1, further comprising, prior to presenting the financial transaction data merge page:
and matching preset merging attributes of the at least two financial service data to be processed, and displaying prompt information which cannot be merged on the financial service data display page under the condition that any preset merging attribute is not matched.
5. The method of claim 1, wherein the consolidated data items in the financial transaction data consolidation page include legacy data items and data items to be configured;
the data content of the inheritance data item is inherited from any one of the financial business data to be processed or the appointed financial business data to be processed.
6. The method of claim 5, wherein the financial transaction data merge page includes a configuration control for the data item to be configured;
The configuration control is used for acquiring configuration data of the data item to be configured.
7. The method according to claim 1, wherein the method further comprises:
and carrying out risk state evaluation and data verification on the combined financial business data.
8. The method of claim 7, wherein the risk status assessment comprises:
acquiring an associated object of the combined financial service data;
performing risk state assessment on the combined financial business data based on the financial business amount of the associated object; and/or performing risk status assessment based on historical financial business operations of the associated object.
9. The method of claim 7, wherein the data verification comprises:
acquiring a plurality of types of deadline information of the merged financial business data;
and verifying the time limit information of the multiple types based on time sequence conditions among the time limit of each type.
10. The method of claim 1, wherein the method further comprises:
transmitting the combined financial service data to an auditing end;
and receiving feedback information of the auditing end, canceling the merging processing of the at least two financial business data to be processed and displaying prompt information under the condition that the feedback information does not pass.
11. A financial transaction data processing device, comprising:
the financial business data display page display module is used for responding to page triggering operation and displaying a financial business data display page, wherein the financial business data display page comprises a plurality of to-be-processed financial business data of a target object;
the financial business data merging page display module is used for responding to merging triggering operation of at least two financial business data to be processed, displaying a financial business data merging page, wherein the financial business data merging page comprises merging data items of the two financial business data to be processed;
and the merged financial business data generation module is used for responding to the configuration operation of the merged data item and generating merged financial business data of the at least two financial business data to be processed.
12. The apparatus of claim 11, further comprising a merge preview module for presenting the merge-operable financial transaction data set in the financial transaction data presentation page in response to a merge preview operation, wherein preset merge attributes of at least two financial transaction data in the merge-operable financial transaction data set match.
13. An electronic device, the electronic device comprising:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein,
the memory stores a computer program executable by the at least one processor to enable the at least one processor to perform the method of processing financial transaction data according to any one of claims 1 to 12.
14. A computer readable storage medium storing computer instructions for causing a processor to perform the method of processing financial transaction data according to any one of claims 1 to 10.
15. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements a method of processing financial transaction data according to any one of claims 1-10.
CN202311316278.5A 2023-10-11 2023-10-11 Financial business data processing method and device, electronic equipment and product Pending CN117333280A (en)

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