CN115222515A - Capital clearing method, device, computer equipment and storage medium - Google Patents
Capital clearing method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The embodiment of the application discloses a fund clearing method, a fund clearing device, computer equipment and a storage medium, wherein the fund clearing information corresponding to a target fund clearing service is received through a target service inlet in a plurality of service inlets of a service inlet node; acquiring service attribute data through a service attribute data preparation node of a fund clearing system; if the target fund clearing service needs to be subjected to service verification, preparing a service verification node behind the node through the service attribute data, and performing service verification based on the service attribute data; if the service verification is successful or if the target fund clearing service does not need to be subjected to the service verification, preparing a service execution node behind the node through the service attribute data, determining a strategy executor based on the service attribute data, and performing fund clearing service processing based on the strategy executor to obtain a service processing result; and the service processing result is notified through the service result notification node, so that the fund clearing efficiency is improved.
Description
Technical Field
The present application relates to the field of capital clearing technology, and in particular, to a capital clearing method, apparatus, computer device, and storage medium.
Background
With the development of the society, the business exchange among financial institutions needs to clear the fund, and at present, the fund clearing process needs more steps of manual participation, so that the clearing speed is low, the labor cost is high, errors are easy to occur, and the fund clearing efficiency is low.
Disclosure of Invention
The embodiment of the application provides a fund clearing method, a fund clearing device, computer equipment and a storage medium, and the fund clearing efficiency can be improved.
The embodiment of the application provides a fund clearing method, which comprises the following steps:
receiving fund clearing information corresponding to a target fund clearing service through a target service entrance in a plurality of service entrances of a service entrance node, wherein the fund clearing information comprises participating bank accounts of the target fund clearing service and fund information to be cleared;
acquiring service attribute data of the target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node;
if the target fund clearing service needs to be subjected to service verification, performing service verification on the basis of the service attribute data through a service verification node behind the service attribute data preparation node;
if the service verification is successful or if the target fund clearing service does not need to be subjected to service verification, preparing a service execution node behind the node by the service attribute data, determining a policy executor of the target fund clearing service based on the service attribute data, and performing fund clearing service processing based on the policy executor to obtain a service processing result;
and informing the service processing result by a service result informing node.
Correspondingly, the embodiment of the present application further provides a fund clearing device, including:
the information receiving module is used for receiving fund clearing information corresponding to the target fund clearing service through one target service entrance in a plurality of service entrances of the service entrance node, wherein the fund clearing information comprises a participating bank account of the target fund clearing service and fund information to be cleared;
a data acquisition module, configured to acquire, by using a service attribute data preparation node of a fund clearing system, service attribute data of the target fund clearing service, where the service attribute data includes data required by a data node subsequent to the service attribute data preparation node;
a checking module, configured to, if the target fund clearing service needs to perform service checking, perform service checking based on the service attribute data by using a service checking node after the service attribute data preparation node;
a service processing module, configured to, if the service verification is successful, or if the target fund clearing service does not need to perform service verification, prepare a service execution node behind the node by using the service attribute data, determine a policy executor of the target fund clearing service based on the service attribute data, and perform fund clearing service processing based on the policy executor to obtain a service processing result;
and the notification module is used for notifying the service processing result through the service result notification node.
In some embodiments, the fund clearing device further comprises:
a node display module for displaying at least two data nodes in the funds clearing system on a user interface;
an operation module, configured to respond to a selection operation on the data node, to obtain a target data node in an actual processing node link corresponding to the target fund clearing service and a service sequence between the target data nodes;
correspondingly, the check module is further configured to perform, if the service check node exists in the actual processing node link, service check based on the service attribute data by using the service check node.
In some embodiments, the above-described fund clearing apparatus further comprises:
an instruction receiving module, configured to receive an insertion instruction for inserting a target expansion node into an actual processing node link of the target fund clearing service, where the actual processing node link is used to indicate each data node performing service processing on the target fund clearing service and a service sequence between the data nodes;
a node determining module, configured to determine, based on the insertion instruction, adjacent data nodes before and after the target expansion node;
the data processing module is used for processing the output data of the first adjacent data node through the target expansion node after the processing of the first adjacent data node before the target expansion node is finished;
the data processing module is further configured to transmit the processed data to a subsequent second adjacent data node, and complete service processing of the target fund clearing service based on the processed data through the second adjacent data node and the subsequent data node in the actual processing node link.
In some embodiments, the notification module comprises:
and the notification submodule is used for determining a target message notification module applicable to the service processing result from various message notification modules of the service result notification node, and notifying the service processing result based on the target message notification module.
In some embodiments, the notification sub-module comprises:
the type acquisition unit is used for acquiring the service type of the target fund clearing service;
the requirement determining unit is used for determining the importance requirement and/or the real-time requirement of the target fund clearing service according to the service type;
and a notification unit, configured to determine the target message notification module from multiple message notification modules of the service result notification node based on the importance requirement and/or the real-time requirement.
In some embodiments, the notification unit includes:
a first notifying subunit, configured to determine a first target message notifying module from multiple message notifying modules of the service result notifying node when the importance requirement and/or the real-time requirement are higher than a preset standard, where the first target message notifying module is configured to perform notification in a real-time notifying manner;
a second notifying subunit, configured to determine, when the importance requirement and/or the real-time requirement is not higher than a preset standard, a second target message notifying module from multiple message notifying modules of the service result notifying node, where the second target message notifying module is configured to perform notification in a message queue notifying manner.
In some embodiments, the participating bank accounts include transfer accounts and collection accounts, and the transaction processing module includes:
the fund obtaining sub-module is used for obtaining target funds corresponding to the fund information to be cleared from the transfer account based on the strategy executor;
a planning processing submodule for planning the target fund by the business processing logic in the strategy executor;
and the fund transfer sub-module is used for transferring the target fund to the collection account to obtain a business processing result when the planning processing is finished.
Accordingly, embodiments of the present application further provide a computer device, including a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the fund clearing method provided in any of the embodiments of the present application.
Accordingly, the present application further provides a storage medium storing a plurality of instructions, where the instructions are suitable for being loaded by a processor to execute the fund clearing method.
In the embodiment of the application, fund clearing information corresponding to the target fund clearing service is received through one target service entrance in a plurality of service entrances of the service entrance node, wherein the fund clearing information comprises participating bank accounts of the target fund clearing service and fund information to be cleared; acquiring service attribute data of the target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node; if the target fund clearing service needs to be subjected to service verification, performing service verification on the basis of the service attribute data through a service verification node behind the service attribute data preparation node; if the service verification is successful or if the target fund clearing service does not need to be subjected to service verification, preparing a service execution node behind the node by the service attribute data, determining a policy executor of the target fund clearing service based on the service attribute data, and performing fund clearing service processing based on the policy executor to obtain a service processing result; the service processing result is notified through the service result notification node, so that the target fund clearing service is automatically cleared through each data node in the fund clearing system, the clearing speed is improved, the labor cost is reduced, and errors are not easy to occur, so that the fund clearing efficiency is improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic flow chart of a fund clearing method according to an embodiment of the present application.
Fig. 2 is a block diagram of a fund clearing apparatus according to an embodiment of the present application.
Fig. 3 is a schematic structural diagram of a computer device according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be described clearly and completely with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The embodiment of the application provides a fund clearing method, a fund clearing device, a storage medium and computer equipment. Specifically, the fund clearing method in the embodiment of the present application may be executed by a computer device, where the computer device may be a server, or may also be a terminal or other devices. The server can be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, and can also be a cloud server for providing basic cloud computing services such as cloud service, a cloud database, cloud computing, cloud functions, cloud storage, network service, cloud communication, middleware service, domain name service, security service, CDN (content delivery network), big data and artificial intelligence platforms and the like. The terminal may be, but is not limited to, a smart phone, a desktop computer, a notebook computer, a tablet computer, etc. The terminal and the server may be directly or indirectly connected through wired or wireless communication, and the application is not limited herein.
For example, the computer device may be a terminal, and the terminal may receive fund clearing information corresponding to the target fund clearing service through a target service portal of the plurality of service portals of the service portal node, where the fund clearing information includes a participating bank account of the target fund clearing service and fund to be cleared information; acquiring service attribute data of a target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node; if the target fund clearing service needs to be subjected to service verification, preparing a service verification node behind the node through the service attribute data, and performing service verification based on the service attribute data; if the service verification is successful or if the target fund clearing service does not need to be subjected to the service verification, preparing a service execution node behind the node through the service attribute data, determining a strategy executor of the target fund clearing service based on the service attribute data, and performing fund clearing service processing based on the strategy executor to obtain a service processing result; and notifying the service processing result by the service result notification node.
In view of the foregoing problems, embodiments of the present application provide a fund clearing method, apparatus, computer device, and storage medium, which can improve fund clearing efficiency.
The following are detailed below. It should be noted that the following description of the embodiments is not intended to limit the preferred order of the embodiments.
The embodiment of the present application provides a fund clearing method, which may be executed by a terminal or a server, and is described by taking an example that the fund clearing method is executed by the terminal.
Referring to fig. 1, fig. 1 is a schematic flow chart of a fund clearing method according to an embodiment of the present application. The specific flow of the fund clearing method can be as follows:
101. and receiving fund clearing information corresponding to the target fund clearing service through a target service entrance in the plurality of service entrances of the service entrance node.
The service entry node is a data node for processing a target fund clearing service in a banking system, and is used for receiving fund clearing information corresponding to the target fund clearing service, when the fund clearing information is received through the service entry node, it is indicated that a process of the target fund clearing service is triggered and service processing of the target fund clearing service is required, and the service entry node comprises a plurality of service entries, such as a batch service entry, a single service entry, an event service entry and a message service entry; the fund clearing information comprises a participating bank account of the target fund clearing business and fund to be cleared information, wherein the participating bank account is an account related to the target fund clearing business, such as a transfer account and a collection account when the target fund clearing business needs to transfer money, and a frozen account needing to be frozen when the target fund clearing business needs to perform property freezing.
Specifically, the batch service portal is an information acquisition portal related to batch transfer, for example, if the current target fund clearing service is a company sending salary to employees, the batch service portal receives batch files containing salary information of employees of the company, and the fund information includes, but is not limited to, names, salaries, accounts and the like of the employees. The batch file may be presented in the form of an Excel table, where each row in the Excel table records payroll information of one employee.
Specifically, the single service entrance is an information acquisition entrance related to a single transfer transaction, such as a spare money transfer, a real-time transfer between merchants and the like. The event service entry is an information acquisition entry for performing fund clearing with a specific event, and the event can be a preset special event, such as a court property freezing event, an accounting bookkeeping event, and the like. The message service entrance is an information acquisition entrance when fund clearance is carried out in a mode of an information queue, for example, a large amount of fund transactions involved when a certain e-commerce platform carries out large-scale activities can be sequentially cleared in the mode of the information queue.
It can be understood that, in order to improve the fund clearing efficiency, a banking system may be provided in this embodiment, where the banking system includes at least one data node, so as to perform service processing on the target fund clearing service through the data node, and since different fund clearing services have different service processing logics, the target fund clearing service also has a corresponding actual processing node link, where the actual processing node link is composed of data nodes in a specific sequence according to the service processing logics, so that the terminal invokes at least one data node in the banking system to perform service processing according to the actual processing node link. The data nodes in the actual processing node link are independent from each other, and the nodes do not affect each other, and can be correspondingly combined according to the service processing logic.
In some embodiments, before step 101, an actual processing node link corresponding to the target fund clearing service needs to be predetermined, so as to sequentially process the target service through each data node in the actual processing link.
The obtaining of the actual processing node link through the historical data may specifically include: the terminal can determine historical fund clearing services of the same type according to the service types of the target fund clearing services, and then obtain actual processing node links corresponding to the target fund clearing services according to actual processing node links corresponding to the historical fund clearing services of the same type.
The pre-selecting the obtained link may specifically include: and displaying at least two data nodes in the fund clearing system on a user interface so that related workers can select the at least two data nodes, and responding to the selection operation of the data nodes by the terminal so as to obtain a target data node in an actual processing node link corresponding to the target fund clearing service and a service sequence between the target data nodes. The service sequence between the target data nodes may be an automatically obtained sequence according to a service processing logic, or an obtained sequence configured by a relevant worker.
In some embodiments, after the fund clearing service is started, a related worker finds a new requirement sometimes, and needs to further perform service processing on the fund clearing service according to the new requirement, at this time, the terminal may receive an insertion instruction for inserting a target expansion node into an actual processing node link of the target fund clearing service, where the target expansion node is equivalent to a data node corresponding to the new requirement, so as to perform service processing on the target fund clearing service based on the new requirement through the target expansion node, and the actual processing node link is used for indicating each data node performing service processing on the target fund clearing service and a service sequence between each data node.
Because the current actual processing link is composed of data nodes ordered in a specific sequence, in order to insert the target expansion node into the actual processing link, adjacent data nodes before and after the target expansion node are determined based on an insertion instruction, after the processing of the first adjacent data node before the target expansion node is completed, the output data of the first adjacent data node is processed through the target expansion node, the processed data is transmitted to the second adjacent data node after the processing, and the service processing of the target fund clearing service is completed through the second adjacent data node and the data nodes after the second adjacent data node in the actual processing node link, so that the service flexibility and the universality in the service processing process of the target fund clearing service can be improved by arranging the target expansion node.
In the embodiment of the present invention, "first" and "second" are only used to distinguish adjacent data nodes, and have no other special meaning.
The adjacent data nodes before and after the target expansion node are determined can be determined according to the service processing logic of the target fund clearing service, and can also be obtained according to the setting of related workers on the user interface, namely the insertion instruction issued by the related workers on the user interface comprises the insertion position of the target expansion node, so that the adjacent data nodes can be determined according to the insertion position.
102. And acquiring the service attribute data of the target fund clearing service through the service attribute data preparation node of the fund clearing system.
The service attribute data preparation node is a data node for processing the target fund clearing service in the bank system, and is used for acquiring the service attribute data of the target fund clearing service; the service attribute data includes data required by a data node after a service attribute data preparation node, for example, if the current target fund clearing service transfers money to a merchant for a bank, the service attribute data may include a data agreement of the merchant; the method can also include transfer types corresponding to the target fund clearing business, such as in-line transfer types between lines, out-of-line transfer types between lines, and account attribution, for example, whether the account number related in the target fund clearing business belongs to a public account or a private account.
103. And if the target fund clearing service needs to be subjected to service verification, preparing a service verification node behind the node through the service attribute data, and performing service verification based on the service attribute data.
In this embodiment, to improve the security of the target fund clearing service, the terminal may perform service verification on the target fund clearing service through a service verification node, where the service verification node is located after the service attribute data preparation node in the actual processing link. And when the service verification is carried out, the service verification can be carried out on the target fund clearing service based on the service attribute data. If the verification is successful, the later-stage business processing can be continued on the basis of the business attribute data, and if the verification is failed, the later-stage business processing can not be continued on the basis of the business attribute data.
The service check includes, but is not limited to, validity period check, validity check, or blacklist check. For example, when the service attribute data is the data protocol of the merchant, the validity period of the protocol may be determined according to the data protocol of the merchant, and it is determined whether the protocol is currently in the validity period of the protocol, and if not, it is determined that the protocol is invalid, that is, the validity period check fails, that is, the target fund settlement service cannot be performed.
In some embodiments, the actual processing node link may be obtained based on a selection operation of the data node on the user interface by the user, and then the step 103 may be executed by: if a service check node exists in the actual processing node link, the target fund clearing service needs to be subjected to service check, and the service check node needs to be passed, so that the service check is performed based on the service attribute data.
104. If the service verification is successful or if the target fund clearing service does not need to be subjected to the service verification, a service execution node behind the node is prepared through the service attribute data, a strategy executor of the target fund clearing service is determined based on the service attribute data, and the fund clearing service is processed based on the strategy executor to obtain a service processing result.
In this embodiment, the service execution node is a data node for processing a target fund clearing service in a banking system, and the service execution node is configured to perform fund clearing service processing; the strategy executor comprises service processing logic corresponding to the target fund clearing service, and the corresponding strategy executor can be determined according to the service attribute data of the target fund clearing service. For example, when the transfer type in the service attribute data is an out-of-line transfer, it indicates that the current transfer needs to be transferred through the unionpay channel, and thus a corresponding policy executor needs to be selected to execute a fund clearing service processing mode that needs to be transferred through the unionpay channel. The service processing result is a processing result of the fund clearing service processing, and may include a successful service processing and a failed service processing.
In some embodiments, the participating bank accounts include transfer accounts and collection accounts, and the performing a fund clearing business process based on the policy executor to obtain a business process result may specifically include: acquiring target funds corresponding to the to-be-cleared fund information from the transfer account based on a strategy executor, and performing financing processing on the target funds through business processing logic in the strategy executor; when the planning processing is finished, the target fund is paid to a collection account to obtain a business processing result. For example, an intermediate account may be set for accounting fund transactions between the transfer parties to improve fund security, that is, a preset number of intermediate accounts may be set, so that the policy executor transfers target funds obtained from the transfer account to the intermediate account to enable the intermediate account to perform fund accounting, and then transfers the target funds without error in accounting from the intermediate account to the collection account.
In some embodiments, fund log processing may be further performed during the fund transfer process to facilitate later review and tracing.
105. And informing the service processing result by the service result informing node.
The service result notification node is a data node for processing a target fund clearing service in a bank system, and is used for notifying a service processing result; the service result notification node may include various message notification modules, such as a message notification module using a message trigger adapter, a message notification module using a status notification adapter, a message notification module using a downstream interface adapter, and a message notification module using a downstream event adapter.
In some embodiments, the step 105 may specifically include: and determining a target message notification module applicable to the service processing result from a plurality of message notification modules of the service result notification node, and notifying the service processing result based on the target message notification module.
The determining, by the multiple message notification modules of the service result notification node, a target message notification module applicable to the service processing result may specifically include: the terminal acquires the service type of the target fund clearing service and determines the importance requirement and/or the real-time requirement of the target fund clearing service according to the service type; and finally, determining a target message notification module from various message notification modules of the service result notification node based on the importance requirement and/or the real-time requirement.
In some embodiments, determining a target message notification module from a plurality of message notification modules of a traffic outcome notification node based on an importance requirement and/or a real-time requirement comprises:
when the importance requirement and/or the real-time requirement are higher than a preset standard, for example, the target fund clearing service is a cash staging service with high real-time requirement, a first target message notification module is determined from a plurality of message notification modules of the service result notification node, and the first target message notification module is used for performing notification in a real-time notification manner, wherein the first target message notification module may be a message notification module adopting a downstream interface adapter.
When the importance requirement and/or the real-time requirement are not higher than the preset standard, for example, the target fund clearing service is the fund transfer of a merchant with low real-time requirement, a second target message notification module needs to be determined from a plurality of message notification modules of the service result notification node, and the second target message notification module is used for performing notification in a message queue notification manner, wherein the second target message notification module may be a message notification module using a message trigger adapter.
In the embodiment of the invention, the first and second messages are only used for distinguishing the target message notification module, and have no other special meanings.
In some embodiments, the terminal may further determine the corresponding target message notification module directly according to the service type of the target fund clearing service, for example, if the service type of the target fund clearing service is an event type, that is, the fund clearing is performed with a certain event, the target message notification module may be a message notification module that employs a downstream event adapter. If it is determined that the next node needs to be notified of the service processing result according to the service type of the target fund clearing service, that is, the fund clearing is performed by using a certain specific event, the target message notification module may be a message notification module using a downstream event adapter.
The embodiment of the application discloses a fund clearing method, which comprises the following steps: receiving fund clearing information corresponding to the target fund clearing service through one target service entrance in a plurality of service entrances of the service entrance node, wherein the fund clearing information comprises participating bank accounts of the target fund clearing service and fund information to be cleared; acquiring service attribute data of a target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node; if the target fund clearing service needs to be subjected to service verification, preparing a service verification node behind the node through the service attribute data, and performing service verification based on the service attribute data; if the service verification is successful or if the target fund clearing service does not need to be subjected to the service verification, preparing a service execution node behind the node through the service attribute data, determining a strategy executor of the target fund clearing service based on the service attribute data, and performing fund clearing service processing based on the strategy executor to obtain a service processing result; and informing the service processing result through the service result informing node, thereby improving the fund clearing efficiency.
In order to better implement the fund clearing method provided by the embodiment of the application, the embodiment of the application also provides a fund clearing device based on the fund clearing method. Wherein the noun means the same as in the above-mentioned money clearing method, and the details of the implementation can be referred to the description in the method embodiment.
Referring to fig. 2, fig. 2 is a block diagram of a fund clearing apparatus according to an embodiment of the present application, the apparatus including:
the information receiving module 201 is configured to receive, through a target service portal of the multiple service portals of the service portal node, fund clearing information corresponding to the target fund clearing service, where the fund clearing information includes a participating bank account of the target fund clearing service and to-be-cleared fund information.
A data obtaining module 202, configured to obtain, by a service attribute data preparation node of the fund clearing system, service attribute data of the target fund clearing service, where the service attribute data includes data required by a data node subsequent to the service attribute data preparation node.
And the checking module 203 is configured to, if the target fund clearing service needs service checking, perform service checking based on the service attribute data by using a service checking node after the service attribute data preparation node.
And the service processing module 204 is configured to, if the service verification is successful, or if the target fund clearing service does not need to perform the service verification, prepare a service execution node behind the node by using the service attribute data, determine a policy executor of the target fund clearing service based on the service attribute data, and perform fund clearing service processing based on the policy executor to obtain a service processing result.
And the notifying module 205 is configured to notify the service processing result through the service result notifying node.
In some embodiments, the above-described fund clearing apparatus further comprises:
and the node display module is used for displaying at least two data nodes in the fund clearing system on a user interface.
And the operation module is used for responding to the selection operation of the data nodes and acquiring the target data nodes in the actual processing node link corresponding to the target fund clearing service and the service sequence among the target data nodes.
Correspondingly, the check module is further configured to perform, if the service check node exists in the actual processing node link, service check based on the service attribute data by using the service check node.
In some embodiments, the above-described fund clearing apparatus further comprises:
and the instruction receiving module is used for receiving an insertion instruction for inserting a target expansion node into an actual processing node link of the target fund clearing service, wherein the actual processing node link is used for indicating each data node for performing service processing on the target fund clearing service and a service sequence among the data nodes.
And the node determining module is used for determining adjacent data nodes before and after the target expansion node based on the insertion instruction.
And the data processing module is used for processing the output data of the first adjacent data node through the target expansion node after the processing of the first adjacent data node in front of the target expansion node is finished.
The data processing module is further configured to transmit the processed data to a subsequent second adjacent data node, and complete service processing of the target fund clearing service based on the processed data through the second adjacent data node and the subsequent data node in the actual processing node link.
In some embodiments, the participating bank accounts include transfer accounts and collection accounts, and the transaction processing module 204 includes:
and the fund obtaining sub-module is used for obtaining the target fund corresponding to the fund information to be cleared from the transfer account based on the strategy executor.
And the planning processing submodule is used for planning the target fund through the business processing logic in the strategy executor.
And the fund transfer sub-module is used for transferring the target fund to the collection account to obtain a service processing result when the planning processing is finished.
The embodiment of the application discloses a fund clearing device which is used for receiving fund clearing information corresponding to a target fund clearing service through a target service entrance in a plurality of service entrances of a service entrance node through an information receiving module 201, wherein the fund clearing information comprises a participating bank account of the target fund clearing service and to-be-cleared fund information; a data obtaining module 202, configured to obtain service attribute data of a target fund clearing service through a service attribute data preparation node of the fund clearing system, where the service attribute data includes data required by a data node behind the service attribute data preparation node; the checking module 203 is configured to, if the target fund clearing service needs to perform service checking, perform service checking based on the service attribute data by using a service checking node after the service attribute data preparation node; the service processing module 204 is configured to, if the service verification is successful, or if the target fund clearing service does not need to perform the service verification, prepare a service execution node behind the node by using the service attribute data, determine a policy executor of the target fund clearing service based on the service attribute data, and perform fund clearing service processing based on the policy executor to obtain a service processing result; and the notifying module 205 is configured to notify the service processing result through the service result notifying node. Therefore, the fund clearing efficiency is improved.
Correspondingly, the embodiment of the application also provides a computer device, and the computer device can be a terminal. As shown in fig. 3, fig. 3 is a schematic structural diagram of a computer device according to an embodiment of the present application. The computer apparatus 300 includes a processor 301 having one or more processing cores, a memory 302 having one or more computer-readable storage media, and a computer program stored on the memory 302 and executable on the processor. The processor 301 is electrically connected to the memory 302. Those skilled in the art will appreciate that the computer device configurations illustrated in the figures are not meant to be limiting of computer devices and may include more or fewer components than those illustrated, or some components may be combined, or a different arrangement of components.
The processor 301 is a control center of the computer apparatus 300, connects various parts of the entire computer apparatus 300 by various interfaces and lines, performs various functions of the computer apparatus 300 and processes data by running or loading software programs and/or modules stored in the memory 302, and calling data stored in the memory 302, thereby integrally monitoring the computer apparatus 300.
In the embodiment of the present application, the processor 301 in the computer device 300 loads instructions corresponding to processes of one or more application programs into the memory 302, and the processor 301 executes the application programs stored in the memory 302 according to the following steps, so as to implement various functions:
receiving fund clearing information corresponding to the target fund clearing service through one target service entrance in a plurality of service entrances of the service entrance node, wherein the fund clearing information comprises participating bank accounts of the target fund clearing service and fund information to be cleared;
acquiring service attribute data of a target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node;
if the target fund clearing service needs to be subjected to service verification, preparing a service verification node behind the node through the service attribute data, and performing service verification based on the service attribute data;
if the service verification is successful or if the target fund clearing service does not need to be subjected to the service verification, preparing a service execution node behind the node through the service attribute data, determining a strategy executor of the target fund clearing service based on the service attribute data, and performing fund clearing service processing based on the strategy executor to obtain a service processing result;
and informing the service processing result by the service result informing node.
The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.
Optionally, as shown in fig. 3, the computer device 300 further includes: a touch display 303, a radio frequency circuit 304, an audio circuit 305, an input unit 306, and a power source 307. The processor 301 is electrically connected to the touch display 303, the radio frequency circuit 304, the audio circuit 305, the input unit 306, and the power source 307. Those skilled in the art will appreciate that the computer device configuration illustrated in FIG. 3 does not constitute a limitation of computer devices, and may include more or fewer components than those illustrated, or some components may be combined, or a different arrangement of components.
The touch display screen 303 may be used for displaying a graphical user interface and receiving operation instructions generated by a user acting on the graphical user interface. The touch display screen 303 may include a display panel and a touch panel. The display panel may be used, among other things, to display messages entered by or provided to a user and various graphical user interfaces of the computer device, which may be composed of graphics, text, icons, video, and any combination thereof. Alternatively, the display panel may be configured in the form of a Liquid crystal display (LCD, liquid crystal display client account l display client account y), an organic Light-Emitting Diode (OLED), or the like. The touch panel may be used to collect touch operations of a user on or near the touch panel (for example, operations of the user on or near the touch panel using any suitable object or accessory such as a finger, a stylus pen, and the like), and generate corresponding operation instructions, and the operation instructions execute corresponding programs. Alternatively, the touch panel may include two parts, a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives the touch message from the touch sensing device, converts the touch message into touch point coordinates, sends the touch point coordinates to the processor 301, and can receive and execute commands sent by the processor 301. The touch panel may overlay the display panel, and when the touch panel detects a touch operation thereon or nearby, the touch panel may transmit the touch operation to the processor 301 to determine the type of the touch event, and then the processor 301 may provide a corresponding visual output on the display panel according to the type of the touch event. In the embodiment of the present application, the touch panel and the display panel may be integrated into the touch display screen 303 to realize input and output functions. However, in some embodiments, the touch panel and the touch panel can be implemented as two separate components to perform the input and output functions. That is, the touch display screen 303 may also be used as a part of the input unit 306 to implement an input function.
The rf circuit 304 may be used for transceiving rf signals to establish wireless communication with a network device or other computer device via wireless communication, and for transceiving signals with the network device or other computer device.
The audio circuit 305 may be used to provide an audio interface between the user and the computer device through speakers, microphones. The audio circuit 305 may transmit the electrical signal converted from the received audio data to a speaker, and convert the electrical signal into a sound signal for output; on the other hand, the microphone converts the collected sound signal into an electrical signal, which is received by the audio circuit 305 and converted into audio data, and then the audio data is processed by the audio data output processor 301, and then the processed audio data is sent to another computer device through the radio frequency circuit 304, or the audio data is output to the memory 302 for further processing. The audio circuit 305 may also include an earbud jack to provide communication of a peripheral headset with the computer device.
The input unit 306 may be used to receive input numbers, character messages, or user characteristic messages (e.g., fingerprints, irises, facial messages, etc.), and to generate keyboard, mouse, joystick, optical, or trackball signal inputs related to user settings and function control.
The power supply 307 is used to power the various components of the computer device 300. Optionally, the power supply 307 may be logically connected to the processor 301 through a power management system, so as to implement functions of managing charging, discharging, and power consumption management through the power management system. Power supply 307 may also include any component of one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.
Although not shown in fig. 3, the computer device 300 may further include a camera, a sensor, a wireless fidelity module, a bluetooth module, etc., which are not described in detail herein.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
As can be seen from the above, in the computer device provided in this embodiment, the fund clearing information corresponding to the target fund clearing service is received through one target service portal of the plurality of service portals of the service portal node, and the fund clearing information includes the participating bank account of the target fund clearing service and the to-be-cleared fund information; acquiring service attribute data of a target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node; if the target fund clearing service needs to be subjected to service verification, preparing a service verification node behind the node through the service attribute data, and performing service verification based on the service attribute data; if the service verification is successful or if the target fund clearing service does not need to be subjected to the service verification, preparing a service execution node behind the node through the service attribute data, determining a strategy executor of the target fund clearing service based on the service attribute data, and performing fund clearing service processing based on the strategy executor to obtain a service processing result; and informing the service processing result by the service result informing node.
It will be understood by those skilled in the art that all or part of the steps of the methods of the above embodiments may be performed by instructions or by associated hardware controlled by the instructions, which may be stored in a computer readable storage medium and loaded and executed by a processor.
To this end, embodiments of the present application provide a computer-readable storage medium, in which a plurality of computer programs are stored, and the computer programs can be loaded by a processor to execute the steps in any of the fund clearing methods provided by the embodiments of the present application. For example, the computer program may perform the steps of:
receiving fund clearing information corresponding to the target fund clearing service through one target service entrance in a plurality of service entrances of the service entrance node, wherein the fund clearing information comprises participating bank accounts of the target fund clearing service and fund information to be cleared;
acquiring service attribute data of a target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node;
if the target fund clearing service needs to be subjected to service verification, preparing a service verification node behind the node through the service attribute data, and performing service verification based on the service attribute data;
if the service verification is successful or if the target fund clearing service does not need to be subjected to the service verification, preparing a service execution node behind the node through the service attribute data, determining a strategy executor of the target fund clearing service based on the service attribute data, and performing fund clearing service processing based on the strategy executor to obtain a service processing result;
and informing the service processing result by the service result informing node.
The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.
Wherein the storage medium may include: a read Only Memory (ROM, re client account d Only Memory), a random access Memory (R client account M, R client account random client account access Memory), a magnetic disk or an optical disk, etc.
Since the computer program stored in the storage medium can execute the steps in any of the fund clearing methods provided in the embodiments of the present application, the beneficial effects that can be achieved by any of the fund clearing methods provided in the embodiments of the present application can be achieved, and detailed descriptions are omitted here for the details see the foregoing embodiments.
The fund clearing method, apparatus, storage medium and computer device provided in the embodiments of the present application are described in detail above, and specific examples are applied herein to explain the principles and implementations of the present application, and the description of the above embodiments is only used to help understand the method and its core ideas of the present application; meanwhile, for those skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A method of clearing funds, the method comprising:
receiving fund clearing information corresponding to a target fund clearing service through a target service entrance in a plurality of service entrances of a service entrance node, wherein the fund clearing information comprises participating bank accounts of the target fund clearing service and fund information to be cleared;
acquiring service attribute data of the target fund clearing service through a service attribute data preparation node of a fund clearing system, wherein the service attribute data comprises data required by a data node behind the service attribute data preparation node;
if the target fund clearing service needs to be subjected to service verification, performing service verification on the basis of the service attribute data through a service verification node behind the service attribute data preparation node;
if the service verification is successful or if the target fund clearing service does not need to be subjected to service verification, a service execution node behind the service attribute data preparation node is passed through, a strategy executor of the target fund clearing service is determined based on the service attribute data, and fund clearing service processing is carried out based on the strategy executor to obtain a service processing result;
and notifying the service processing result by a service result notification node.
2. The method of claim 1, prior to receiving funds clearing information corresponding to the target funds clearing service via a target service portal of the plurality of service portals of the service portal node, further comprising:
displaying at least two data nodes in the funds clearing system on a user interface;
responding to the selection operation of the data nodes, and acquiring target data nodes in an actual processing node link corresponding to the target fund clearing service and a service sequence between the target data nodes;
correspondingly, if the target fund clearing service needs to perform service verification, performing service verification based on the service attribute data by using a service verification node behind the service attribute data preparation node, including:
and if the service check node exists in the actual processing node link, performing service check based on the service attribute data through the service check node.
3. The method of claim 1, further comprising:
receiving an insertion instruction for inserting a target expansion node into an actual processing node link of the target fund clearing service, wherein the actual processing node link is used for indicating each data node for performing service processing on the target fund clearing service and a service sequence among the data nodes;
determining adjacent data nodes before and after the target expansion node based on the insertion instruction;
after the processing of a first adjacent data node in front of the target expansion node is finished, processing the output data of the first adjacent data node through the target expansion node;
and transmitting the processed data to a second adjacent data node, and finishing the service processing of the target fund clearing service through the second adjacent data node and the data nodes behind the second adjacent data node in the actual processing node link.
4. The method of claim 1, wherein the notifying the service processing result through the service result notification node comprises:
and determining a target message notification module applicable to the service processing result from various message notification modules of the service result notification node, and notifying the service processing result based on the target message notification module.
5. The method according to claim 4, wherein said determining a target message notification module applicable to the service processing result from the plurality of message notification modules of the service result notification node comprises:
acquiring the service type of the target fund clearing service;
determining the importance requirement and/or the real-time requirement of the target fund clearing service according to the service type;
determining the target message notification module from a plurality of message notification modules of the traffic result notification node based on the importance requirement and/or the real-time requirement.
6. The method according to claim 5, wherein said determining said target message notification module from a plurality of message notification modules of said traffic result notification node based on said importance requirement and/or said real-time requirement comprises:
when the importance requirement and/or the real-time requirement are higher than a preset standard, determining a first target message notification module from various message notification modules of the service result notification node, wherein the first target message notification module is used for performing notification in a real-time notification manner;
and when the importance requirement and/or the real-time requirement are not higher than the preset standard, determining a second target message notification module from various message notification modules of the service result notification node, wherein the second target message notification module is used for performing notification in a message queue notification manner.
7. The method according to any one of claims 1 to 6, wherein the participating bank accounts include a transfer account and a collection account, and the performing a funds clearing business process based on the policy executor to obtain a business process result comprises:
acquiring target funds corresponding to the to-be-cleared fund information from the transfer account based on the strategy executor;
conducting planning processing on the target fund through business processing logic in the strategy executor;
and when the planning processing is finished, the target fund is allocated to the collection account to obtain a service processing result.
8. A funds clearing apparatus, the apparatus comprising:
the information receiving module is used for receiving fund clearing information corresponding to the target fund clearing service through one target service entrance in a plurality of service entrances of the service entrance node, wherein the fund clearing information comprises a participating bank account of the target fund clearing service and fund information to be cleared;
a data acquisition module, configured to acquire service attribute data of the target fund clearing service through a service attribute data preparation node of a fund clearing system, where the service attribute data includes data required by a data node subsequent to the service attribute data preparation node;
the checking module is used for carrying out service checking on the basis of the service attribute data through a service checking node behind the service attribute data preparation node if the target fund clearing service needs service checking;
a service processing module, configured to, if the service verification is successful, or if the target fund clearing service does not need to perform service verification, prepare a service execution node subsequent to the node by using the service attribute data, determine a policy executor of the target fund clearing service based on the service attribute data, and perform fund clearing service processing based on the policy executor to obtain a service processing result;
and the notification module is used for notifying the service processing result through the service result notification node.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executed on the processor, wherein the processor when executing the program implements a method of funds clearing as claimed in any one of claims 1 to 7.
10. A storage medium having stored thereon a plurality of instructions adapted to be loaded by a processor to perform the method of funds clearing as claimed in any one of claims 1 to 7.
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| CN202210851197.4A CN115222515A (en) | 2022-07-19 | 2022-07-19 | Capital clearing method, device, computer equipment and storage medium |
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| CN202210851197.4A CN115222515A (en) | 2022-07-19 | 2022-07-19 | Capital clearing method, device, computer equipment and storage medium |
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