CN117495532A

CN117495532A - Service data processing method and device, electronic equipment and computer readable medium

Info

Publication number: CN117495532A
Application number: CN202310391724.2A
Authority: CN
Inventors: 刘建; 芮鹏
Original assignee: Mashang Consumer Finance Co Ltd
Current assignee: Mashang Consumer Finance Co Ltd
Priority date: 2023-04-12
Filing date: 2023-04-12
Publication date: 2024-02-02

Abstract

The present disclosure provides a service data processing method and apparatus, an electronic device, and a computer readable medium, where the method includes: if the current time reaches the period of the statistical return resource date information, acquiring resource borrowing basic information and at least one overdue protection request information, analyzing the at least one overdue protection request information to obtain current overdue protection information, wherein the current overdue protection information is overdue protection information corresponding to overdue protection of the borrower expected to return the resource behavior in a stage, and determining historical overdue protection information based on the at least one overdue protection request information and the resource borrowing basic information, wherein the historical overdue protection information is overdue protection information corresponding to the month of the overdue return resource behavior; and determining the corresponding return resource information corresponding to the month of the overdue return resource behavior after overdue protection according to the current overdue protection information and the historical overdue protection information. The embodiment can improve the calculation efficiency and reduce the error probability.

Description

Service data processing method and device, electronic equipment and computer readable medium

Technical Field

The disclosure relates to the field of computer technology, and in particular, to a service data processing method and device, an electronic device, and a computer readable medium.

Background

With consumer upgrades and consumer ideas changing, resource borrowing is becoming more common in everyday life, such as loan products, such as credit cards, housing loans, automotive loans, consumer goods loans, and the like. After each borrower obtains a loan, the borrower needs to pay back at the contract and appointed time point. However, in actual business development, there is a case where a borrower is overdue due to financial deterioration or the like. To avoid the impact of overdue, some borrowers often apply for overdue protection, and some borrowers may apply for multiple overdue protection. In the case where the borrower applies for overdue protection, it is necessary to newly calculate information such as a monthly payback amount for the borrower. At present, after the overdue application is usually calculated by a rolling calculation method, the lender is required to restore the resources subsequently, wherein the rolling calculation is to calculate each operation based on the result of the previous operation, for example, the user has lifted the overdue application for 3 times in a statistics period, and the overdue application is required to be processed first according to the sequence of lifting the overdue application, and then the resource restoration situation of each month of the overdue resource restoring action does not occur; and then, based on the last processing result, calculating the condition of returning the resources of each month of the resource action without the stage after the user lifts the second overdue application, and the like until the last overdue application processing is completed. It can be seen that if the number of overdue protection requests is large, the operation difficulty of such scrolling calculation is large, the resource consumption is serious, and the calculation efficiency is low.

Disclosure of Invention

The disclosure provides a business data processing method and device, an electronic device and a computer readable medium, which can reduce operation difficulty, reduce resource consumption and improve computing efficiency compared with the existing rolling computing.

In a first aspect, the present disclosure provides a service data processing method, including:

acquiring resource borrowing basic information and at least one overdue protection request message, wherein the resource borrowing basic information comprises a provision for returning resources of the borrower according to N months in a stage and an actual resource returning condition of the borrower; the at least one overdue protection request message comprises protection information of overdue protection aiming at the stipulated request by the borrower from the time of resource borrowing; n is an integer greater than 1;

analyzing the at least one overdue protection request message, and obtaining current overdue protection message from the at least one overdue protection request message, wherein the current overdue protection message refers to overdue protection message corresponding to overdue protection of the overdue return resource behaviors of M months in the N months expected by the borrower, M is an integer smaller than N, and the overdue return resource behaviors of M months do not occur;

Determining historical overdue protection information based on the at least one overdue protection request information and the resource borrowing basic information, wherein the historical overdue protection information refers to overdue protection information corresponding to W months in which overdue return resource behaviors occur in the N months; w is an integer less than N;

and determining that the corresponding resource information corresponding to the month of the periodic return resource behavior does not occur after overdue protection is carried out according to the current overdue protection information and the historical overdue protection information.

In a second aspect, the present disclosure provides a service data processing apparatus, comprising:

the resource borrowing system comprises an acquisition module and a storage module, wherein the acquisition module is used for acquiring resource borrowing basic information and at least one overdue protection request information, and the resource borrowing basic information comprises a provision for returning resources of the borrower in stages according to N months and an actual resource returning condition of the borrower; the at least one overdue protection request message comprises protection information of overdue protection aiming at the stipulated request by the borrower from the time of resource borrowing; n is an integer greater than 1;

the analysis module is used for analyzing the at least one overdue protection request message, and obtaining current overdue protection message from the at least one overdue protection request message, wherein the current overdue protection message refers to overdue protection message corresponding to overdue protection expected by the borrower for the overdue protection of the overdue return resource behaviors of M months in the N months, M is an integer smaller than N, and the overdue return resource behaviors of M months do not occur;

The determining module is used for determining historical overdue protection information based on the at least one overdue protection request information and the resource borrowing basic information, wherein the historical overdue protection information refers to overdue protection information corresponding to W months in which overdue return resource behaviors occur in the N months; w is an integer less than N;

and the determining module is used for determining the corresponding return resource information corresponding to the month of the resource returning action without the period after the overdue protection is carried out according to the current overdue protection information and the historical overdue protection information.

In a third aspect, the present disclosure provides an electronic device comprising: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores one or more computer programs executable by the at least one processor, one or more of the computer programs being executable by the at least one processor to enable the at least one processor to perform the business data processing method described above.

In a fourth aspect, the present disclosure provides a computer readable storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor/processing core, implements the above-described traffic data processing method.

In a fifth aspect, the present disclosure provides a computer program or computer program product comprising a computer program stored in a computer readable storage medium, which computer program, when executed by a processor, implements the above-described traffic data processing method.

According to the business data processing method provided by the embodiment of the disclosure, when the due resource information of the borrower needs to be summed up, at least one overdue protection request information and resource borrowing basic information applied by the borrower before the due resource information is acquired, further, at least one overdue protection request information is analyzed to obtain current overdue protection information, historical overdue protection information is determined based on the at least one overdue request protection information and the resource borrowing basic information, the current overdue protection information is overdue protection information of overdue protection month which is expected to be carried out by overdue protection information corresponding to overdue return resource behaviors of M months in N months, and the historical overdue protection information is overdue protection information corresponding to W months in which overdue return resource behaviors have been carried out in N months. In short, the current overdue protection information and the historical overdue protection information are some return requirements of the borrower for borrowed resources before the borrower, when a period is reached, the requirements are uniformly acquired, and return resource information corresponding to the month of the non-overdue return resource behavior is counted based on the requirements, which may specifically include return resource date, overdue date and the like.

In the prior art, statistics of returned resource information is started each time a user-lifted overdue protection request is received and each overdue protection request is processed based on the result of the previous overdue protection request processing. In the method, one period is counted once, information related to overdue protection before the period is integrated during counting, counting calculation is performed based on the information, traditional rolling calculation is not adopted any more, the counting times of returning resource information are reduced, resource expenditure is saved, and error probability is reduced.

It should be understood that the description in this section is not intended to identify key or critical features of the embodiments of the disclosure, nor is it intended to be used to limit the scope of the disclosure. Other features of the present disclosure will become apparent from the following specification.

Drawings

The accompanying drawings are included to provide a further understanding of the disclosure, and are incorporated in and constitute a part of this specification, illustrate embodiments of the disclosure and together with the description serve to explain the disclosure, without limitation to the disclosure. The above and other features and advantages will become more readily apparent to those skilled in the art by describing in detail exemplary embodiments with reference to the attached drawings, in which:

Fig. 1 is a flowchart of a service data processing method provided in an embodiment of the present disclosure;

FIG. 2 is a schematic diagram of Cartesian computation in an embodiment of the present disclosure;

fig. 3 is a block diagram of a service data processing apparatus according to an embodiment of the present disclosure;

fig. 4 is a block diagram of an electronic device according to an embodiment of the present disclosure.

Detailed Description

For a better understanding of the technical solutions of the present disclosure, exemplary embodiments of the present disclosure will be described below with reference to the accompanying drawings, in which various details of the embodiments of the present disclosure are included to facilitate understanding, and they should be considered as merely exemplary. Accordingly, one of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present disclosure. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

Embodiments of the disclosure and features of embodiments may be combined with each other without conflict.

As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. As used herein, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. The terms "connected" or "connected," and the like, are not limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect.

Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the relevant art and the present disclosure, and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.

After obtaining borrowed resources, a borrower generally needs to return the resources on time according to the agreed period number and the return resource day, and when the borrower encounters the return resource pressure, the borrower needs to apply for overdue protection to a resource lending mechanism for issuing the resources so as to avoid influencing personal credit and the like due to overdue. When a borrower applies for overdue protection to a borrowed resource, the resource lending mechanism needs to recalculate the return resource date of the borrowed resource of the borrower. When borrowers apply for overdue protection for a plurality of times by using a resource, the actual return days after each overdue protection need to be calculated sequentially, and the calculation of the actual return days of the overdue protection at the last time depends on the calculation result of the actual return days of the overdue protection at the previous time. Since the actual time of returning the resource is calculated, not only the overdue protection which is not executed by the borrower and the borrower resource, but also the overdue protection of the history (past) are considered, and whether the borrower returns the resource or not in the overdue protection of the history, each overdue protection is calculated by rolling on the basis of the last overdue protection, the operation difficulty is high, the efficiency is low, and errors are easy to occur when the overdue protection times are more. Therefore, the embodiment of the disclosure provides a service data processing method, which is used for improving the processing efficiency of service data, reducing the calculation difficulty and reducing the error probability.

The service data processing method of the embodiment of the present disclosure may be executed by an electronic device such as a terminal device or a server, where the terminal device may be a User Equipment (UE), a mobile device, a User terminal, a cellular phone, a cordless phone, a personal digital assistant (Personal Digital Assistant, PDA), a handheld device, a computing device, a vehicle-mounted device, a wearable device, and the like, and the server may be an independent physical server, a server cluster formed by a plurality of physical servers, or a cloud server capable of performing cloud computing. The method may be implemented by way of a processor invoking computer readable program instructions stored in a memory.

Fig. 1 is a flowchart of a service data processing method provided in an embodiment of the present disclosure. Referring to fig. 1, the service data processing method includes:

step S101, if the current time reaches the period of counting and returning the resource date information, acquiring the resource borrowing basic information and at least one overdue protection request information.

Wherein N is an integer greater than 1, the electronic device may preset a period of statistically returning the resource date information, such as one day, one period, several hours, etc., and once the current time is detected to satisfy the set period, the step of statistically returning the resource date information is started, that is, the following steps S101 to S104. Accordingly, if the current time does not reach the above period, the overdue protection request information is not processed even if it is currently received. It should be understood that certain resources are required to be consumed for processing the statistical return resource date information, and related data are relatively more, and tens of millions of levels are possible, if the processing is frequently performed, the equipment resources are frequently occupied, and the resource use of other businesses can be affected.

The basic information of resource borrowing includes the provision of returning the resource by the borrower according to the N month period and the actual resource returning condition of the borrower, for example, the borrowing of the resource refers to the loan of the borrower from a financial institution, and the basic information of resource borrowing may include the provision of the borrowing for the period of time period of repayment, for example, the borrower repayment for the period of 6 months, that is, the borrower repayment the loan amount according to the 6 months.

In this embodiment, overdue protection is a protective measure initiated by the borrower to delay the due resource day of the overdue resource to avoid overdue. The protection information corresponding to the overdue protection includes, but is not limited to, a protection start month, a protection end month, and a protection period number, and the borrower may specify the protection start month, the protection end month, and the protection period number. For example, if the borrower overdue protects a 5 month and 6 month loan of the 12 staged loans, the protection start month is 5 months, the protection end month is 6 months, and the protection period number is 2.

In some embodiments, the resource borrowing base information includes, but is not limited to, contract number, date month, date of the period, due resource date, and expiration date of the borrowed resource. Table m-1 shows the basic information of resource borrowing for contract number AAAA.

Table m-1

Contract number	Month of stage	Stage by stage	The date of the return resource	Expiration date
					AAAA	2022-05	1	2022-05-20	2022-05-20
AAAA	2022-06	2	2022-06-20	2022-06-20
					AAAA	2022-07	3	2022-07-20
AAAA	2022-08	4	2022-08-20	2022-08-20
					AAAA	2022-09	5	2022-09-20
AAAA	2022-10	6	2022-10-20
					AAAA	2022-11	7	2022-11-20
AAAA	2022-12	8	2022-12-20
					AAAA	2023-01	9	2023-01-20
AAAA	2023-02	10	2023-02-20
					AAAA	2023-03	11	2023-03-20
AAAA	2023-04	12	2023-04-20

In Table m-1, column 1 is contract number AAAA; column 2 is the month of stage, from 5 months 2022 to 4 months 2023; column 3 is the installment of the borrowed resource contract, which is divided into 12 installment; column 4 is the resource day of return, 20 days per month; the 5 th column is the expiration date, which means that the borrower does not execute the return resource action according to the rule of the borrowing resource contract on the return resource date, and the return resource date is the expiration date for the month of the expiration. In the above contract, the expiration dates are 2022, 5, 20, 2022, 6, 20 and 2022, 8, 20, respectively. As can be seen from Table m-1, the borrowed resource contract takes place 3 total overdue times, with the earliest overdue date being 2022, 5, and 20.

In some embodiments, the earliest expiration date may be extracted from table m-1 to form table m-2, and the resource lending institution (natural) may quickly learn the earliest expiration date of the borrowed resource via table m-2.

Table m-2

Contract number	Expiration date
		AAAA	2022-05-20

In this embodiment of the present disclosure, the at least one overdue protection request information includes protection information of the borrower for specifying the overdue protection request from the time of resource borrowing, in other words, each overdue protection request information is protection information corresponding to the overdue protection request initiated by the borrower. The borrower may initiate one or more overdue protection requests for the same borrowed resource. Each overdue protection request may overdue protect one or more installments.

In some embodiments, each overdue protection request message includes, but is not limited to, a protection start month, a protection end month, and a protection expiration number, the protection start month being the start month of overdue protection, the protection end month being the end month of overdue protection. The guard period number is the number of stages of overdue guard, and if two stages are overdue guard, the guard period number is 2. Table a-1 shows the borrower's overdue protection request information for borrowed resources with contract number AAAA.

TABLE a-1

Contract number	Protection of the initial month	Protective termination month	Number of guard period
				AAAA	2022-06	2022-07	2
AAAA	2022-10	2022-10	1
				AAAA	2022-12	2023-02	3

From table a-1, the borrower initiates three overdue protection requests on borrowed resources with contract number AAAA, wherein the protection start month of the first overdue protection request is 2022 years 6 months, the protection end month is 2022 years 7 months, the total protection period is 2 stages (namely 2 nd and 3 rd stages), and the protection period number is 2. The protection start month and the protection end month of the second overdue protection request are both 2022 and 10 months, and the total protection period is 1 (namely, the period 6), and the protection period number is 1. The protection start month of the third overdue protection request is 2022 years 12 months, the protection end month is 2023 years 2 months, and the total protection period is 3 (namely 8 th, 9 th and 10 th periods) and the protection period number is 3.

It should be noted that table a-1 only lists overdue protection request information related to contract number AAAA. Embodiments of the present disclosure are not limited in this regard, and other contractual overdue protection request information may also be listed in Table a-1. When new combinations are needed, only relevant information is needed to be added in the table a-1, and other information or tables are not needed to be modified.

Step S102, at least one overdue protection request message is parsed, and the current overdue protection message is obtained from the at least one overdue protection request message.

The current overdue protection information is overdue protection information corresponding to overdue protection expected by the borrower for the overdue return resource behaviors of M months of N months, M is an integer smaller than N, and the overdue return resource behaviors of M months do not occur.

In some embodiments, the current overdue protection information includes borrowing resource contract number, number of protection period, protection start month, protection end month, single remaining total protection period number, and protected return resource month. Wherein the protected return resource month is a month determined based on the protection month and the protection period number.

For example, if the borrower desires to overdue protect the recovery resource behavior of 6 months in the contract number AAAA, that is, if the borrower initiates three overdue protection requests in the table a-1, the current overdue protection information is obtained after analyzing the three overdue protection requests.

In some embodiments, step S102, parsing the at least one overdue protection request message to obtain current overdue protection information from the at least one overdue protection request message, includes: and expanding at least one overdue protection request message according to the protection month to obtain the current overdue protection message.

Illustratively, in Table a-1, the borrower initiates three over-protection requests altogether, wherein the month of protection desired by the first over-protection request is 2022, 6 months to 2022, 7 months, the number of protection dates 2; the month for which the second overdue protection request expects protection is month 8 of 2022, the number of protection periods 1; the month for which protection is desired by the third overdue protection request is 12 months of 2022 to 2 months of 2023, the number of protection periods being 3.

And developing the overdue protection request information corresponding to the three overdue protection in the table a-1, and obtaining the current overdue protection information as shown in the table a-3.

TABLE a-3

In table a-3, the single remaining total protection issue number refers to the remaining issue number of each overdue protection request, i.e. the remaining protection issue number of the present overdue protection request. The protected return resource month refers to the cut-off month corresponding to the protected month after each overdue protection request is executed. If the protection starting month of the first overdue protection is 2022, 6 months, and the number of protection periods is 2, then for 6 months, the number of single remaining total protection periods is 2, and the month of the post-protection return resource is 8 months; for 7 months, the number of single remaining total protection periods is 1, and the month of the post-protection return resource is 8 months.

Step S103, determining the historical overdue protection information based on at least one overdue protection request information and the resource borrowing basic information.

The historical overdue protection information refers to overdue protection information corresponding to W months in which overdue return resource behaviors occur in N months; w is an integer less than N. As in Table m-1, the months for which overdue has occurred include month 2022, month 5, month 2022, month 6, and month 2022, and the historical overdue protection information includes protection information for these three months.

In some embodiments, step S102, obtaining historical overdue protection information based on at least one overdue protection request information and resource borrowing basic information includes:

and S31, converting at least one overdue protection request message to obtain protection conversion information.

Wherein the protection transformation information includes, but is not limited to, total protection period number, remaining total protection period number, and last protection expiration month.

In some embodiments, the at least one overdue protection request message is transformed, i.e. the total protection period number, the remaining total protection period number and the last protection termination month are obtained according to the protection start month, the protection termination month and the protection period number in the overdue protection request message.

For example, the three overdue protection request messages in table a-1 are transformed to obtain a total protection expiration number, a remaining total protection expiration number and a last protection termination month corresponding to each overdue protection request message, wherein for the first overdue protection request message, the total protection expiration number is 6, the remaining total protection expiration is 4 and the last protection termination month is 1900-01. The second overdue protection request message and the third overdue protection request message may be referred to in table a-2. Table a-2 shows that the protection transform information is obtained after transforming Table a-1.

TABLE a-2

In some embodiments, the protection transformation information includes, but is not limited to, contract number, protection start month, protection end month, protection period number, total remaining protection period number, and last protection end month.

Wherein the total protection issue number is the sum of the protection issue numbers of the respective overdue protection requests. If the protection period numbers of the first overdue protection request, the second overdue protection request and the third overdue protection request are 2, 1 and 3, respectively, then the total protection period number corresponding to the first overdue protection request is 6. The total protection future number of the next overdue protection request is determined according to the protection future number and the total protection future number corresponding to the previous overdue protection request, for example, the total protection future number is subtracted from the protection future number of the previous overdue protection request, and the result is the total protection future number corresponding to the next overdue protection request. The total protection period corresponding to the second overdue protection request is 4 periods, and the total protection period corresponding to the third overdue protection request is 3 periods.

The remaining total protection issue number is the sum of the protection issue numbers of the future overdue protection requests, and does not include the protection issue number of the overdue protection request of the current period. For example, the number of remaining total protection dates corresponding to the first overdue protection request is 6-2=4, the number of remaining total protection dates corresponding to the second overdue protection request is 4-1=3, and the number of remaining total protection dates corresponding to the third overdue protection request may be set to 3-3 equal to 0.

In Table a-2, the remaining total guard period number is shifted up one row of the total guard period number as a whole, with the empty table being supplemented with 0. The reason for shifting up one line is mainly that the borrowed resource with contract number AAAA has three overdue protection requests, the three overdue protection requests are arranged in sequence, and the current total protection period number can be covered by the next total protection period number (the future remaining total protection period number) by shifting up one line.

The last protection termination month in each overdue protection request message refers to the protection termination month of the previous overdue protection request. For example, the last protection termination month corresponding to the second overdue protection request is the protection termination month of the first overdue protection request, i.e. 7 months of 2022. The last protection termination month corresponding to the third overdue protection request is the protection termination month of the second overdue protection request, namely, 10 months in 2022. The first overdue protection request is a first overdue protection, and the corresponding last protection termination month may be set to be a wireless date, such as 1 month 1900.

In Table a-2, the last protection expiration month is a drop of the protection expiration month in its entirety, and the empty table is supplemented with a minimum date 1900-01. Because it is necessary to know how many times there are between the last protection ending month and the current protection starting month (these times may also need to be protected, but are not explicitly shown from the overdue protection request message (table a-1)). In the embodiment of the disclosure, each protection period number has a date interval of [ last protection ending month, current protection starting month ], and the date interval is helpful for screening protection months.

And S32, carrying out Cartesian calculation on the protection transformation information and the resource borrowing basic information to obtain protection unfolding information.

The protection development information is obtained after the month which has expired is developed according to the expiration protection request information.

In the embodiment of the disclosure, the expiration times (the expiration dates are not empty and have 3 pieces) with the expiration date are extracted from the basic information (table m-1) of resource borrowing, and Cartesian calculation is performed on the basic information and the protection transformation information (table a-2) to obtain the protection unfolding information.

In some embodiments, the protection expansion information includes a date month, a date time, a protection start month, a protection end month, a total protection period number, a last protection end month, and a post-protection return resource month, for example, the month in which the expiration has occurred in the table m-1, namely, the 1 st date time (5 months), the 2 nd date time (6 months), and the 4 th date time (8 months), is expanded according to the three-time expiration protection request in the protection transformation information, and the obtained protection expansion information is shown in the table b-1.

Table b-1

And carrying out Cartesian calculation on the protection transformation information and the resource borrowing basic information, and determining the period between the last protection ending month and the current protection starting month. For example, assuming that the borrower first overdue protection request overdue protects 6 months and 7 months, and the second overdue protection request overdue protects 10 months and 11 months, it may be determined that the period between the first protection ending month (7 months) and the second protection starting month (10 months) is 8 months and 9 months, and if overdue occurs in 9 months, the borrower does not actively apply for overdue protection for 9 months, but the 9 months also need to be protected. By means of Cartesian calculation, the overdue period among the last protection ending month and the current protection starting month can be screened out, and the overdue period such as 9 months is screened out without actively requesting overdue protection.

It should be noted, however, that the following is a brief description of the principles of Cartesian computing for ease of understanding of the disclosed embodiments.

Fig. 2 is a schematic diagram of cartesian computation in an embodiment of the disclosure. Referring to fig. 2, assume that a set a includes three elements denoted by reference numerals A1, A2, and A3, a set B includes two elements B1 and B2, and a set C is obtained by performing cartesian computation on the set a and the set B, and is a set obtained by multiplying the set a and the set B.

Step S33, extracting the historical overdue protection information from the protection development information.

In the embodiment of the present disclosure, the historical overdue protection information corresponding to the month in which the overdue has occurred is extracted from the protection development information as shown in table b-2. In some embodiments, the historical overdue protection information includes, but is not limited to, a number of installments, a protection start month, a protection end month, a total protection period number, a remaining total protection period number, and a post-protection return resource month.

Table b-2

Step S104, determining that the corresponding resource information corresponding to the month of the periodic return resource behavior does not occur after the overdue protection is performed according to the current overdue protection information and the historical overdue protection information.

In the contract of borrowing resources, borrowed resources of some months are returned, borrowed resources of some months are not returned, and the corresponding return resource information of the month in which the action of returning the resources in stages does not occur can be determined according to the current overdue protection information and the historical overdue protection information. The refund resource information of all months can be determined according to the current overdue protection information, the historical overdue protection information and the resource borrowing basic information, but the refund resource information of the unreturned months is more concerned for borrowers.

In some embodiments, step S104, determining, according to the current overdue protection information and the historical overdue protection information, corresponding return resource information corresponding to a month in which no overdue return resource behavior occurs after the overdue protection, includes: determining the information of the resources to be returned of M months for which overdue protection is expected according to the current overdue protection information; determining the recovery resource information of W months when the overdue recovery resource behavior occurs according to the historical overdue protection information; and carrying out union processing on the corresponding return resource information of the M months and the corresponding return resource information of the W months to obtain the corresponding return resource information of the months in which the periodic return resource behavior does not occur.

In the embodiment of the disclosure, the contract number, the protection starting month, the protection month and the protected return resource month are extracted from the current overdue protection information, the contract number, the protection starting month, the protection month and the protected return resource month are extracted from the history overdue protection information,

specifically, the information of the resources to be returned for M months for which overdue protection is expected is determined according to the current overdue protection information. For example, three overdue protection requests initiated by the borrower are respectively expanded to obtain the information of the return resources corresponding to each protection month, namely, the return resource months of 2022, including 6 months of 2022, 7 months of 2022, 10 months of 2022, 12 months of 2022, 1 month of 2023 and 2 months of 2023 are obtained, as shown in table a-3.

And determining the recovery resource information of W months when the overdue recovery resource behavior occurs according to the historical overdue protection information. Illustratively, the three months for which overdue return resource activity has occurred are 2022, 5, 2022, 6, and 2022, 8, respectively, as shown in Table m-1, and the three months for which overdue return resource activity has occurred after overdue protection correspond to the respective corresponding return resource months of 2022, 11, 2022, 12, and 2022, 12, as shown in Table b-2.

And carrying out union processing on the corresponding return resource information of the M months and the corresponding return resource information of the W months to obtain the corresponding return resource information of the months in which the periodic return resource behavior does not occur. Illustratively, tables a-3 and b-2 are subjected to a union process to obtain table c-1.

Table c-1

In some embodiments, in step S41, in the case where there is inconsistency in the current overdue protection information and the historical overdue protection information, the date of the return resource of the protection period number selects the latest date.

The months with inconsistent due resource information are called conflicting months, and the conflicting months refer to months with different due resource dates for the same month in the current overdue protection information and the historical overdue protection information.

When the same protection expiration number conflicts exist in the current expiration protection information and the historical expiration protection information, the latest due resource date is taken as the due resource date of the conflicting month, namely, the date with the latest deadline is selected as the due resource date. For example, in the current overdue protection information, the return resource month corresponding to 6 months is 8 months, but in the history overdue protection information, the return resource month corresponding to 6 months is 11 months, and then 6 months are conflicting months, and the corresponding return resource month is 11 months.

In some embodiments, after determining that the overdue protection is performed according to the current overdue protection information and the historical overdue protection information, the method further includes: and carrying out union processing on the corresponding return resource information of the month where the stage return resource action does not occur and the resource borrowing basic information to obtain the return resource information corresponding to all the months.

When the information of the corresponding return resources of the month where the periodic return resource action does not occur is determined, but the information of the returned resources in the borrowed resource contract is not provided, the information of the corresponding return resources of the month where the periodic return resource action does not occur and the basic information of resource borrowing can be processed in a union mode, so that the information of the corresponding return resources of all months can be obtained.

And merging the corresponding return resource information c-1 corresponding to the month in which the periodic return resource action does not occur and the resource borrowing basic information m-1, and connecting the results of all the months by themselves to obtain the corresponding return resource information corresponding to the month in which the periodic return resource action does not occur, wherein the return resource information is shown in a table c-2.

Table c-2

In some embodiments, step S104 includes, after obtaining the corresponding return resource information corresponding to the month in which the periodic return resource behavior does not occur based on the current overdue protection information and the historical overdue protection information: the earliest return resource date is redetermined from the return resource information corresponding to the month in which the stage return resource action never occurs.

The earliest overdue date can be determined to be 8 months and 20 days in the corresponding resource information of the month in which the stage returning resource behavior does not occur, and can be intuitively known by a borrower through the table m-3, so that whether the overdue protection needs to be applied again or not can be determined. The lender knows the earliest expiration date and can want the borrower to send a reminder to make a decision as to whether the borrower needs to apply for the expiration protection again.

Table m-3

Contract number	Expiration date
		AAAA	2022-08-20

It will be appreciated that the above-mentioned method embodiments of the present disclosure may be combined with each other to form a combined embodiment without departing from the principle logic, and are limited to the description of the present disclosure. It will be appreciated by those skilled in the art that in the above-described methods of the embodiments, the particular order of execution of the steps should be determined by their function and possible inherent logic.

According to the business data processing method provided by the embodiment of the disclosure, when the due resource information of the borrower needs to be summed up, at least one overdue protection request information and resource borrowing basic information applied by the borrower before the due resource information is acquired, further, at least one overdue protection request information is analyzed to obtain current overdue protection information, historical overdue protection information is determined based on the at least one overdue protection request information and the resource borrowing basic information, the current overdue protection information is the overdue protection information of the overdue protection month corresponding to overdue protection information of the overdue return resource behaviors of M months in N months, namely, the overdue protection information of the overdue protection month is expected, and the historical overdue protection information is the overdue protection information of the overdue protection month corresponding to W months in which the overdue return resource behaviors occur in N months. In short, the current overdue protection information and the historical overdue protection information are some return requirements of the borrower for borrowed resources before the borrower, when a period is reached, the requirements are uniformly acquired, and return resource information corresponding to the month of the non-overdue return resource behavior is counted based on the requirements, which may specifically include return resource date, overdue date and the like.

In addition, the business data processing method provided by the embodiment of the disclosure can be independently operated, and the corresponding return resource information corresponding to the month in which the periodic return resource behavior does not occur can be obtained only by obtaining the resource borrowing basic information and the overdue protection request information, and the system or the program is not needed to be relied on, so that the coupling and the decoupling are not generated, and the operation and the maintenance are simple.

The embodiment of the disclosure further provides a service data processing device, and fig. 3 is a block diagram of the service data processing device provided by the embodiment of the disclosure.

Referring to fig. 3, an embodiment of the present disclosure provides a service data processing apparatus 300, including:

an obtaining module 301, configured to obtain resource borrowing basic information and at least one overdue protection request information;

the parsing module 302 is configured to parse the at least one overdue protection request message, and obtain current overdue protection information from the at least one overdue protection request message;

the determining module 303 is further configured to determine, according to the current overdue protection information and the historical overdue protection information, corresponding return resource information corresponding to a month when no overdue return resource behavior occurs after overdue protection.

The determining module 303 is further configured to determine, according to the current overdue protection information, information of resources to be returned for M months for which overdue protection is desired; determining the recovery resource information of W months when the overdue recovery resource behavior occurs according to the historical overdue protection information; and carrying out union processing on the corresponding return resource information of the M months and the corresponding return resource information of the W months to obtain the corresponding return resource information of the months in which the periodic return resource behavior does not occur.

In one embodiment, the parsing module 302 performs the following steps when parsing the at least one overdue protection request message and obtaining the current overdue protection message from the at least one overdue protection request message: and expanding at least one overdue protection request message according to the protection month to obtain the current overdue protection message.

The determining module 303 performs the following steps when determining the historical overdue protection information based on the at least one overdue protection request information and the resource borrowing basic information:

transforming the at least one overdue protection request message to obtain protection transformation information, wherein the protection transformation information comprises a total protection period number, a residual total protection period number and a last protection termination month; carrying out Cartesian calculation on the protection transformation information and the resource borrowing basic information to obtain protection unfolding information; and extracting the historical overdue protection information from the protection development information.

In one embodiment, when the determining module 303 determines that the overdue protection is performed according to the current overdue protection information and the historical overdue protection information, the following steps are performed when the corresponding due resource information is not generated for the month of the periodic due resource behavior:

Determining the information of the resources to be returned of the M months for which overdue protection is expected according to the current overdue protection information;

determining the recovery resource information of W months when the overdue recovery resource behavior occurs according to the historical overdue protection information;

performing union processing on the corresponding return resource information of the M months and the corresponding return resource information of the W months to obtain corresponding return resource information of the months where the periodic return resource behaviors do not occur; and taking the latest due resource date as the due resource month of the conflict month under the condition that the conflict month of which the due resource information is inconsistent exists in the current overdue protection information and the historical overdue protection information.

In one embodiment, the determining module 303 is further configured to perform union processing on the corresponding return resource information corresponding to the month in which the stage return resource behavior does not occur and the resource borrowing basic information, so as to obtain the return resource information corresponding to all months.

In one embodiment, the resource borrowing base information includes a resource borrowing contract number, a date of the period, a time of the period, a date of the due resource, and a date of the expiration;

each overdue protection request message comprises a protection starting month, a protection ending month and a protection expiration number, wherein the protection starting month refers to the starting month of overdue protection, and the protection ending month refers to the ending month of overdue protection; the protection period number is the number of installments of the overdue protection;

The current overdue protection information comprises a protection period number, a protection starting month, a protection ending month and a resource returning month after protection; the historical overdue protection information comprises a stage number, a protection starting month, a protection ending month, a total protection period number, a residual total protection period number and a post-protection return resource month.

According to the service data processing device provided by the embodiment of the disclosure, the acquisition module is used for acquiring the resource borrowing basic information and at least one overdue protection request information, the analysis module is used for analyzing the at least one overdue protection request information to acquire the current overdue protection information, the determination module is used for determining the historical overdue protection information based on the at least one overdue protection request information and the resource borrowing basic information, because the current overdue protection information is overdue protection information corresponding to the overdue protection information expected by a borrower to carry out overdue protection on the overdue return resource behaviors of M months in N months, the historical overdue protection information is overdue protection information corresponding to W months in which overdue return resource behaviors have occurred in N months, namely, the protection information of expected protection period and overdue period are respectively acquired, the determination module acquires the corresponding overdue protection information of the unused overdue return resource behaviors based on the current overdue protection information, the historical protection information and the resource borrowing basic information, and the current overdue protection information and the historical protection information have passed through overdue protection information and the overdue protection information corresponding to the overdue protection information of the overdue return resource behaviors, therefore the probability of computing the overdue protection information is greatly reduced, and the computing efficiency is greatly improved compared with the computing probability of the unused resources which is greatly required to be obtained by the borrowing resource.

The resource is not limited in the embodiments of the present disclosure, and for example, the resource may be a loan in a financial field, a bill available for lending and stage returning in other fields, or the like.

Referring to fig. 4, an embodiment of the present disclosure provides an electronic device including: at least one processor 401; at least one memory 402, and one or more I/O interfaces 403, connected between the processor 401 and the memory 402; wherein the memory 402 stores one or more computer programs executable by the at least one processor 401, the one or more computer programs being executable by the at least one processor 401 to enable the at least one processor 401 to perform:

acquiring resource borrowing basic information and at least one overdue protection request message, wherein the resource borrowing basic information comprises a provision for returning resources by the borrower according to N months in a staged manner and an actual resource returning condition of the borrower; the at least one overdue protection request message comprises protection information of the borrower aiming at the overdue protection of the specified request from the time of resource borrowing; n is an integer greater than 1;

analyzing at least one overdue protection request message, and obtaining current overdue protection message from the at least one overdue protection request message, wherein the current overdue protection message refers to overdue protection message corresponding to overdue protection expected by a borrower for overdue protection of the overdue return resource behaviors of M months in N months, M is an integer smaller than N, and the overdue return resource behaviors of M months do not occur;

Determining historical overdue protection information based on at least one overdue protection request information and resource borrowing basic information, wherein the historical overdue protection information refers to overdue protection information corresponding to W months in which overdue return resource behaviors occur in N months; w is an integer less than N;

and determining the corresponding return resource information corresponding to the month of the overdue return resource behavior after overdue protection according to the current overdue protection information and the historical overdue protection information.

In some embodiments, the processor 401, when parsing the at least one overdue protection request message and obtaining the current overdue protection message from the at least one overdue protection request message, performs the following steps: and expanding at least one overdue protection request message according to the protection month to obtain the current overdue protection message.

In some embodiments, the processor 401, when determining the historical overdue protection information based on the at least one overdue protection request information and the resource borrowing base information, performs the steps of:

transforming at least one overdue protection request message to obtain protection transformation information, wherein the protection transformation information comprises a total protection period number, a residual total protection period number and a last protection termination month; carrying out Cartesian calculation on the protection transformation information and the resource borrowing basic information to obtain protection unfolding information; and extracting the historical overdue protection information from the protection development information.

In some embodiments, when the processor 401 determines that the overdue protection is performed according to the current overdue protection information and the historical overdue protection information, the following steps are performed when the corresponding resource information of the month of the delayed return resource behavior does not occur:

determining the information of the resources to be returned of M months for which overdue protection is expected according to the current overdue protection information; determining the recovery resource information of W months when the overdue recovery resource behavior occurs according to the historical overdue protection information; and carrying out union processing on the refund resource information of M months and the refund resource information of W months to obtain the refund resource information corresponding to the month in which the periodic refund resource action does not occur, and taking the latest refund resource date as the refund resource month of the conflicting month under the condition that conflicting months exist in the current overdue protection information and the historical overdue protection information.

In some embodiments, the processor 401 is further configured to perform union processing on the return resource information corresponding to the month in which the stage return resource behavior does not occur and the resource borrowing basic information, so as to obtain return resource information corresponding to all months.

In some embodiments, the processor 401 is further configured to, after determining that the overdue protection is performed according to the current overdue protection information and the historical overdue protection information, re-determine the date of the earliest reposed resource based on the reposed resource information corresponding to the month in which the periodic reposed resource action does not occur.

According to the business data processing method provided by the embodiment of the disclosure, at least one overdue protection request message is analyzed to obtain the current overdue protection message, and the historical overdue protection message is determined based on the at least one overdue protection request message and the resource borrowing basic message.

The disclosed embodiments also provide a computer readable storage medium, which may be a volatile or non-volatile computer readable storage medium, having a computer program stored thereon, wherein the computer program when executed by a processor:

Embodiments of the present disclosure also provide a computer program product comprising computer readable code, or a non-transitory computer readable storage medium carrying computer readable code, which when executed in a processor of an electronic device, performs the above-described business data processing method.

Those of ordinary skill in the art will appreciate that all or some of the steps, systems, functional modules/units in the apparatus, and methods disclosed above may be implemented as software, firmware, hardware, and suitable combinations thereof. In a hardware implementation, the division between the functional modules/units mentioned in the above description does not necessarily correspond to the division of physical components; for example, one physical component may have multiple functions, or one function or step may be performed cooperatively by several physical components. Some or all of the physical components may be implemented as software executed by a processor, such as a central processing unit, digital signal processor, or microprocessor, or as hardware, or as an integrated circuit, such as an application specific integrated circuit. Such software may be distributed on computer-readable storage media, which may include computer storage media (or non-transitory media) and communication media (or transitory media).

The term computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable program instructions, data structures, program modules or other data, as known to those skilled in the art. Computer storage media includes, but is not limited to, random Access Memory (RAM), read Only Memory (ROM), erasable Programmable Read Only Memory (EPROM), static Random Access Memory (SRAM), flash memory or other memory technology, portable compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical disc storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can be accessed by a computer. Furthermore, as is well known to those of ordinary skill in the art, communication media typically embodies computer readable program instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and may include any information delivery media.

The computer readable program instructions described herein may be downloaded from a computer readable storage medium to a respective computing/processing device or to an external computer or external storage device over a network, such as the internet, a local area network, a wide area network, and/or a wireless network. The network may include copper transmission cables, fiber optic transmissions, wireless transmissions, routers, firewalls, switches, gateway computers and/or edge servers. The network interface card or network interface in each computing/processing device receives computer readable program instructions from the network and forwards the computer readable program instructions for storage in a computer readable storage medium in the respective computing/processing device.

Computer program instructions for performing the operations of the present disclosure can be assembly instructions, instruction Set Architecture (ISA) instructions, machine-related instructions, microcode, firmware instructions, state setting data, or source or object code written in any combination of one or more programming languages, including an object oriented programming language such as Smalltalk, c++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The computer readable program instructions may be executed entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computer (for example, through the Internet using an Internet service provider). In some embodiments, aspects of the present disclosure are implemented by personalizing electronic circuitry, such as programmable logic circuitry, field Programmable Gate Arrays (FPGAs), or Programmable Logic Arrays (PLAs), with state information of computer readable program instructions, which can execute the computer readable program instructions.

The computer program product described herein may be embodied in hardware, software, or a combination thereof. In an alternative embodiment, the computer program product is embodied as a computer storage medium, and in another alternative embodiment, the computer program product is embodied as a software product, such as a software development kit (Software Development Kit, SDK), or the like.

Various aspects of the present disclosure are described herein with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer-readable program instructions.

These computer readable program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. These computer readable program instructions may also be stored in a computer readable storage medium that can direct a computer, programmable data processing apparatus, and/or other devices to function in a particular manner, such that the computer readable medium having the instructions stored therein includes an article of manufacture including instructions which implement the function/act specified in the flowchart and/or block diagram block or blocks.

The computer readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other devices to produce a computer implemented process such that the instructions which execute on the computer, other programmable apparatus or other devices implement the functions/acts specified in the flowchart and/or block diagram block or blocks.

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

Example embodiments have been disclosed herein, and although specific terms are employed, they are used and should be interpreted in a generic and descriptive sense only and not for purpose of limitation. In some instances, it will be apparent to one skilled in the art that features, characteristics, and/or elements described in connection with a particular embodiment may be used alone or in combination with other embodiments unless explicitly stated otherwise. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the scope of the disclosure as set forth in the appended claims.

Claims

1. A method for processing service data, comprising:

if the current time reaches the period of counting and returning the date information of the resource, acquiring resource borrowing basic information and at least one overdue protection request information, wherein the resource borrowing basic information comprises the provision of returning the resource by the borrower according to N months and the actual resource returning condition of the borrower; the at least one overdue protection request message comprises protection information of overdue protection aiming at the stipulated request by the borrower from the time of resource borrowing; n is an integer greater than 1;

Analyzing the at least one overdue protection request message, and obtaining current overdue protection message from the at least one overdue protection request message, wherein the current overdue protection message refers to overdue protection message corresponding to overdue protection of the overdue return resource behaviors of M months in the N months expected by the borrower, M is an integer smaller than N, and the overdue return resource behaviors of M months do not occur; the number of the current overdue protection information is a plurality of;

2. The method of claim 1, wherein parsing the at least one overdue protection request message to obtain current overdue protection information from the at least one overdue protection request message comprises:

And expanding the at least one overdue protection request message according to the protection month to obtain the current overdue protection message.

3. The method of claim 1, wherein the determining historical overdue protection information based on the at least one overdue protection request information and the resource borrowing base information comprises:

transforming the at least one overdue protection request message to obtain protection transformation information, wherein the protection transformation information comprises a total protection period number, a residual total protection period number and a last protection termination month;

carrying out Cartesian calculation on the protection transformation information and the resource borrowing basic information to obtain protection unfolding information;

and extracting the historical overdue protection information from the protection development information.

4. The method of claim 1, wherein determining, based on the current overdue protection information and the historical overdue protection information, the corresponding candidate resource information for the month for which no deferral resource activity occurred after overdue protection, comprises:

5. The method of claim 1, wherein after determining that the overdue protection has occurred based on the current overdue protection information and the historical overdue protection information, the method further comprises:

and carrying out union processing on the corresponding return resource information of the month in which the stage return resource behavior does not occur and the resource borrowing basic information to obtain the corresponding return resource information of all the months.

6. The method according to any one of claims 1-5, wherein after determining that the overdue protection is performed according to the current overdue protection information and the historical overdue protection information, the method further comprises, after determining that the corresponding resource information is not generated for the month of the scheduled return resource activity:

The date of the earliest return resource is redetermined based on the return resource information corresponding to the month in which the stage return resource action does not occur.

7. The method of any of claims 1-5, wherein the resource borrowing basis information includes a resource borrowing contract number, a date of the period, a time of the period, a date of the due resource, and a date of the expiration;

the current overdue protection information comprises a protection period number, a protection starting month, a protection ending month and a resource returning month after protection;

the historical overdue protection information comprises a stage number, a protection starting month, a protection ending month, a total protection period number, a residual total protection period number and a post-protection return resource month.

8. A traffic data processing apparatus, comprising:

the resource borrowing module is used for obtaining resource borrowing basic information and at least one overdue protection request information if the current time reaches the period of counting and returning the resource date information, wherein the resource borrowing basic information comprises the provision of returning the resource by the borrower according to N months and the actual resource returning condition of the borrower; the at least one overdue protection request message comprises protection information of overdue protection aiming at the stipulated request by the borrower from the time of resource borrowing; n is an integer greater than 1;

The analysis module is used for analyzing the at least one overdue protection request message, obtaining current overdue protection message from the at least one overdue protection request message, wherein the current overdue protection message refers to overdue protection message corresponding to overdue protection of the overdue return resource behaviors of M months in the N months expected by the borrower, M is an integer smaller than N, and the overdue return resource behaviors of M months do not occur; the number of the current overdue protection information is a plurality of;

and the determining module is further used for determining corresponding return resource information corresponding to months when the periodic return resource behavior does not occur after overdue protection is performed according to the current overdue protection information and the historical overdue protection information.

9. An electronic device, comprising:

at least one processor; and

A memory communicatively coupled to the at least one processor; wherein,

the memory stores one or more computer programs executable by the at least one processor to enable the at least one processor to perform the business data processing method of any of claims 1-7.

10. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the service data processing method according to any of claims 1-7.