CN116957764A

CN116957764A - Account data processing method and device, electronic equipment and storage medium

Info

Publication number: CN116957764A
Application number: CN202310939716.7A
Authority: CN
Inventors: 宋岚岚
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-07-28
Filing date: 2023-07-28
Publication date: 2023-10-27

Abstract

The application discloses an account data processing method and device, electronic equipment and a storage medium, and relates to the technical field of data processing. In the application, account data processing states corresponding to a plurality of target objects are recorded according to a preset processing state query period in response to account data processing requests of the target objects for target services; if detecting that the target account data processing state meeting the emergency data processing state conditions exists in the plurality of account data processing states, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state; therefore, the technical defects that in the prior art, if the emergency data processing situation occurs, related operations can be carried out after the whole batch of files are processed, a certain time is required for file transmission, and real-time processing cannot be achieved are avoided, and therefore the emergency data processing situation is ensured to be processed in time.

Description

Account data processing method and device, electronic equipment and storage medium

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a method and apparatus for processing account data, an electronic device, and a storage medium.

Background

At present, for account data growing rapidly in related business, referring to fig. 1, a Batch processing (Batch) mode is generally adopted to perform data interaction between a data provider and a data receiver so as to realize management of large-scale account data; wherein, the data interaction usually adopts a file transmission mode.

For example, in the process that the data provider reports a large amount of account data to the data receiver, the large amount of account data is automatically processed in batch according to the fixed execution frequency and the fixed execution time in the batch processing mode, so as to meet the management requirement of the large amount of account data.

However, in the batch processing manner of the account data, once an urgent data processing situation such as a data processing error or abnormality occurs in the process of processing the account data, the related operation needs to be performed after the whole batch of file processing is completed, and the file transmission needs to take a certain time, so that the real-time processing cannot be performed, and therefore, a great amount of time is required to be spent to process the urgent data processing situation.

Therefore, by adopting the mode, the emergency data processing condition can not be timely processed in the account data processing process.

Disclosure of Invention

The embodiment of the application provides an account data processing method, an account data processing device, electronic equipment and a storage medium, which are used for ensuring timely processing of emergency data processing conditions in the account data processing process.

In a first aspect, an embodiment of the present application provides an account data processing method, where the method includes:

responding to account data processing requests of a plurality of target objects for target services, and recording account data processing states corresponding to the plurality of target objects according to a preset processing state query period; wherein each account data processing state characterizes: processing account data of corresponding target objects;

if the recorded multiple account data processing states are detected to have the target account data processing state meeting the emergency data processing state conditions, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

In a second aspect, an embodiment of the present application further provides an account data processing apparatus, where the apparatus includes:

The recording module is used for responding to account data processing requests of the plurality of target objects for the target service, and recording account data processing states corresponding to the plurality of target objects according to a preset processing state query period; wherein each account data processing state characterizes: processing account data of corresponding target objects;

and the processing module is used for carrying out online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state if the target account data processing state meeting the emergency data processing state condition exists in the recorded plurality of account data processing states.

In an alternative embodiment, before responding to the account data processing request of the plurality of target objects for the target service, the processing module is further configured to:

for a plurality of target objects, the following operations are respectively performed:

acquiring a historical account data processing set of a first target object, and analyzing each historical data processing event contained in the historical account data processing set to acquire various account data processing states; wherein the first target object is any one of a plurality of target objects;

Screening at least one account data processing state meeting the emergency data processing state condition from a plurality of account data processing states;

generating respective online interaction rules of the at least one account data processing state based on respective emergency data processing policies of the at least one account data processing state; each emergency data processing strategy is used for completing account data processing of a corresponding target object in a corresponding data processing state.

In an alternative embodiment, when detecting that there is a target account data processing state satisfying an urgent data processing state condition in the recorded plurality of account data processing states, the processing module is specifically configured to:

for a plurality of account data processing states, the following operations are respectively executed:

determining a processing state type of the first account data processing state; wherein the first account data processing state is any one of a plurality of account data processing states;

and when the processing state type belongs to the set emergency state type interval, the first account data processing state is used as a target account data processing state meeting the emergency data processing state condition.

In an optional embodiment, when online real-time processing is performed on the target account data processing state based on the online interaction rule set corresponding to the target account data processing state, the processing module is specifically configured to:

Based on the processing state type of the target account data processing state, carrying out matching verification on account service processing modes contained in the online interaction rule to obtain a corresponding matching verification result;

and when the matching verification result indicates that the processing state type is successfully matched with the account service processing mode, carrying out online real-time processing on account data associated with the target account data processing state based on the account service processing mode.

In an alternative embodiment, the processing module is further configured to:

when the matching verification result indicates that the matching of the processing state type and the account service processing mode fails, correcting the account service processing mode based on the matching verification result to obtain a corrected account service processing mode;

and carrying out online real-time processing on account data associated with the target account data processing state based on the corrected account service processing mode.

In an alternative embodiment, after online real-time processing of the target account data processing state based on online interaction rules set for the corresponding target account data processing state, the processing module is further configured to:

acquiring a service processing result aiming at a target account data processing state;

If the service processing result meets the preset service data clearing condition, the service processing result is sent to a downstream data platform; wherein, the service data clearing condition characterizes: the service processing result meets the accuracy requirement of the set result.

In an alternative embodiment, the processing module is further configured to:

if the service processing result does not meet the service data clearing condition, correcting the service processing result based on the service processing result to obtain a corrected service processing result;

and carrying out online real-time processing on the data processing state of the target account again based on the corrected service processing result.

In an alternative embodiment, the processing module is further configured to:

if the target account data processing state meeting the emergency data processing state conditions exists in the plurality of account data processing states, corresponding data processing abnormality warning information is generated aiming at the target account data processing state.

In a third aspect, the present application provides an electronic device comprising a processor and a memory, wherein the memory stores program code that, when executed by the processor, causes the processor to perform the steps of the account data processing method of the first aspect described above.

In a fourth aspect, the present application provides a computer readable storage medium comprising program code for causing an electronic device to carry out the steps of the account data processing method of the first aspect described above, when said program code is run on the electronic device.

In a fifth aspect, the present application provides a computer program product which, when invoked by a computer, causes the computer to perform the steps of the account data processing method according to the first aspect.

The application has the following beneficial effects:

in the account data processing method provided by the embodiment of the application, account data processing states corresponding to a plurality of target objects are recorded according to a preset processing state query period in response to account data processing requests of the target objects for target services; if the recorded multiple account data processing states are detected to have the target account data processing state meeting the emergency data processing state conditions, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state. By adopting the method, the online real-time processing is carried out on the target account data processing state meeting the emergency data processing state conditions through the online interaction rule, so that the technical defects that in the prior art, if the emergency data processing conditions such as data processing errors or anomalies occur, related operations can be carried out after the completion of the whole batch of file processing, and the file transmission takes a certain time and cannot be processed in real time are avoided, and the emergency data processing conditions are ensured to be processed in time.

Furthermore, other features and advantages of the application will be set forth in the description which follows, and in part will be apparent from the description, or may be learned by practice of the application. The objectives and other advantages of the application will be realized and attained by the structure particularly pointed out in the written description and claims thereof as well as the appended drawings.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments will be briefly described below, it will be apparent that the drawings in the following description are only some embodiments of the present application, and that other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:

FIG. 1 is a schematic view of a scenario in batch processing according to an embodiment of the present application;

FIG. 2 is a schematic diagram of an alternative system architecture to which embodiments of the present application are applicable;

FIG. 3 is a flowchart illustrating an implementation of a method for generating online interaction rules according to an embodiment of the present application;

FIG. 4 is a schematic diagram of screening logic for account data processing status according to an embodiment of the present application;

FIG. 5 is a schematic diagram of an implementation flow of an account data processing method according to an embodiment of the present application;

FIG. 6 is a schematic diagram of a logic diagram for recording account data processing status according to an embodiment of the present application;

FIG. 7 is a schematic diagram of determining a target account data processing status according to an embodiment of the present application;

FIG. 8 is a schematic diagram of a logic diagram for online real-time processing of account data associated with a target account data processing state according to an embodiment of the present application;

fig. 9 is a schematic diagram of processing logic of a service processing result according to an embodiment of the present application;

FIG. 10 is a schematic diagram of an account data processing apparatus according to an embodiment of the present application;

fig. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more apparent, the technical solutions of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the technical solutions of the present application, but not all embodiments. All other embodiments, based on the embodiments described in the present document, which can be obtained by a person skilled in the art without any creative effort, are within the scope of protection of the technical solutions of the present application.

In the description of the present application, "a plurality of" means "at least two". "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. A is connected with B, and can be represented as follows: both cases of direct connection of A and B and connection of A and B through C. In addition, in the description of the present application, the words "first," "second," and the like are used merely for distinguishing between the descriptions and not be construed as indicating or implying a relative importance or order.

In addition, in the technical scheme of the application, the data is collected, transmitted, used and the like, and all meet the requirements of national relevant laws and regulations.

Some technical terms in the embodiments of the present application are explained below to facilitate understanding by those skilled in the art.

(1) Online real-time processing: online real-time transactions refer to transactions between two or more entities that are accomplished by way of a computer network or internet connection, and each link of the transaction is completed in real-time. This means that when a transaction occurs, various aspects of the transaction, including payment, data transfer, recording and verification of the transaction, etc., are instantaneously completed without any delay. Online real-time transactions typically require efficient networks and computing devices to support.

(2) Batch processing: i.e., batch processing, refers to a process in a computer system that processes a batch of identical or similar tasks or data at a time. These tasks or data are typically organized according to some rule or standard and batch processing may be accomplished by an automation program or script. Batch processing is typically used to process large amounts of data or repetitive tasks.

Further, based on the above nouns and related term explanations, the following briefly describes the design concept of the embodiment of the present application:

currently, various organizations generally conduct data interaction in a batch processing manner for account data management, and as the financial industry rapidly develops, sales and management of financial products are increasingly complex, and in the process of managing the financial products, a great deal of interaction and communication needs to be conducted between a manager and a sales organization, wherein the interaction and communication includes but is not limited to: at present, the interaction is usually carried out in a file transmission mode, and is managed in a batch processing mode (namely a batch processing mode).

It can be seen that the existing account data processing method still remains to automatically process a large amount of data in batch, and automatically process the large amount of data according to a fixed execution frequency and a fixed execution time of the batch (i.e., in a batch processing manner), and in this manner, although the conventional large-data-amount account management mode can be satisfied, as the amount of data transmitted and processed increases, the processing time is gradually prolonged, and the real-time reliability is reduced.

Therefore, the account data is managed in the mode, firstly, because the file transmission needs a certain time and cannot be processed in real time, the condition that the information is not timely can occur; secondly, the batch processing mode cannot process emergency situations independently, and related operations can be performed after the whole batch of files are processed, so that risks and time cost are increased; in addition, due to the large amount of data transferred and processed, data inconsistencies and errors are prone to occur.

In view of this, in order to solve the problems that when the account service is abnormal (i.e. the emergency data processing situation), the interaction of the batch processing mode has a relatively slow processing speed, is difficult to modify specific customers or account data, and cannot meet the requirements of timeliness and accuracy of account data processing (for example, modification), in the embodiment of the application, an account data processing method is provided, which specifically includes: responding to account data processing requests of a plurality of target objects for target services, and recording account data processing states corresponding to the plurality of target objects according to a preset processing state query period; wherein each account data processing state characterizes: processing account data of corresponding target objects; if the recorded multiple account data processing states are detected to have the target account data processing state meeting the emergency data processing state conditions, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

In particular, the preferred embodiments of the present application will be described below with reference to the accompanying drawings of the specification, it being understood that the preferred embodiments described herein are for illustration and explanation of the present application only, and not for limitation of the present application, and the embodiments of the present application and the features of the embodiments may be combined with each other without conflict.

Referring to fig. 2, a schematic diagram of a system architecture to which an embodiment of the present application is applied includes: a target terminal (201 a,201b,201 c), a server 202 and a downstream data platform 203. Information interaction between the target terminals (201 a,201b,201 c) and the server 202 can be performed through a communication network, wherein the communication mode adopted by the communication network can include: the server 202 is connected to the downstream data platform 203 by wireless communication and wired communication, so that data transmission/interaction can be performed between the two.

Illustratively, the target terminal (201 a,201b,201 c) may communicate with the server 202 via a cellular mobile communication technology access network, such as, for example, fifth generation mobile communication (5th Generation Mobile Networks,5G) technology.

Optionally, the target terminal (201 a,201b,201 c) may access the network to communicate with the server 202 via short-range wireless communication means, including, for example, wireless fidelity (Wireless Fidelity, wi-Fi) technology.

The number of communication devices involved in the system architecture is not limited in the embodiments of the present application, for example, more target terminals may be provided, or no target terminal may be provided, or other network devices may be further included, as shown in fig. 2, and only the target terminals (201 a,201b,201 c) and the server 202 are taken as examples to describe the foregoing devices and their respective functions.

The target terminal (201 a,201b,201 c) is a device that can provide voice and/or data connectivity to a user, and can be a device that supports wired and/or wireless connectivity.

Exemplary target terminals (201 a,201b,201 c) include, but are not limited to: a mobile phone, a tablet computer, a notebook computer, a palm computer, a mobile internet device (Mobile Internet Device, MID), a wearable device, a Virtual Reality (VR) device, an augmented Reality (Augmented Reality, AR) device, a wireless terminal device in industrial control, a wireless terminal device in unmanned driving, a wireless terminal device in smart grid, a wireless terminal device in transportation safety, a wireless terminal device in smart city, a wireless terminal device in smart home, or the like.

Furthermore, the target terminals (201 a,201b,201 c) may have associated clients installed thereon, which may be software, for example, application (APP), browser, short video software, etc., or web pages, applets, etc.; it should be noted that, in the embodiment of the present application, the target terminal (201 a,201b,201 c) may enable the client related to account data processing to send the account data processing requests of the plurality of target objects for the target service to the server 202, so as to perform the subsequent method steps such as account data processing.

The server 202 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or may be a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, a content delivery network (Content Delivery Network, CDN), basic cloud computing services such as big data and an artificial intelligence platform.

It should be noted that, in the embodiment of the present application, a brand new account data processing system is deployed on the server 202, so that account related transactions (i.e. account data) can be timely and accurately processed and synchronized to the downstream data platform 203 (i.e. downstream system) in real time, thereby improving efficiency and accuracy of account data processing.

It should be noted that, in the embodiment of the present application, the server 202 is configured to respond to an account data processing request of each of the plurality of target objects for the target service, and record account data processing states corresponding to each of the plurality of target objects according to a preset processing state query period; and if the target account data processing state meeting the emergency data processing state condition exists in the recorded multiple account data processing states, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

The downstream data platform 203, which may also be referred to as a downstream system, is configured to receive and store the service processing results (account information of the target object) of the account data processing system in the server 202.

The account data processing method provided by the exemplary embodiments of the present application will be described below with reference to the above-described system architecture and with reference to the accompanying drawings, it should be noted that the above-described system architecture is merely shown for the convenience of understanding the spirit and principles of the present application, and embodiments of the present application are not limited in this respect.

It should be noted that, before responding to the account data processing requests of the plurality of target objects for the target service, the online interaction rules are set in advance for the plurality of account data processing states of the plurality of target objects, so as to follow up: and carrying out online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

For example, when online interaction rules are set for multiple account data processing states of multiple target objects, referring to fig. 3, the execution body takes a server as an example, and performs the following operations for the multiple target objects:

s301: and acquiring a historical account data processing set of the first target object, and analyzing each historical data processing event contained in the historical account data processing set to acquire various account data processing states.

The first target object is any one of a plurality of target objects, and each historical data processing event records account data processing conditions of the first target object about a certain service.

It should be noted that each historical data processing event included in the historical account data processing set may be a historical data processing event within a set historical time range, or may be all the historical data processing events of an existing history record, and in the embodiment of the present application, the time and the number of the historical data processing events included in the historical account data processing set are not limited, and the number and the time of the historical data processing events may be determined according to actual needs.

For example, referring to table 1, when step S301 is performed, assuming that the historical account data processing set includes 4 historical data processing events within the set historical time range, after the server obtains the historical account data processing set of the first target object, the server may analyze the 4 historical data processing events to obtain account data processing states corresponding to the 4 historical data processing events, and perform classification processing on the obtained 4 account data processing states to obtain multiple account data processing states, as shown in table 1, in this way, 3 account data processing states may be obtained.

TABLE 1

S302: at least one account data processing state satisfying the emergency data processing state condition is screened out from the plurality of account data processing states.

Wherein, the emergency data processing state condition characterizes: the corresponding account data processing state needs to be processed separately and such account data processing state is processed in time.

For example, referring to fig. 4, in executing step S302, assuming that the 3 account data processing states in table 1 are still taken as an example, the server may screen out at least one account data processing state satisfying the urgent data processing state condition from the 3 account data processing states after obtaining the 3 account data processing states, for example, the account data processing state satisfying the urgent data processing state condition is an account data processing state of the account data processing state type sta.

S303: and generating the online interaction rule of each account data processing state based on the emergency data processing strategy of each account data processing state.

Each emergency data processing strategy is used for completing account data processing of a corresponding target object in a corresponding data processing state.

Specifically, when step S303 is executed, after obtaining at least one account data processing state, the server may generate, based on respective emergency data processing policies of the at least one account data processing state, respective online interaction rules of the at least one account data processing state, respectively; therefore, when the account data processing state meeting the emergency data processing state condition appears later, the corresponding online interaction rule is adopted to process the account data processing state and the corresponding account data in real time.

If the account data processing state meeting the emergency data processing state condition is that the account transaction application is received and the processing fails, an online interaction rule of the account data processing state is generated according to an emergency data processing policy related to the account data processing state, for example, an account application is newly added and the account application data is modified in real time, application information is checked and authorized, and when the authorization is successful, account real-time clearing is performed to generate a clearing result.

Further, based on the steps of the method in S301 to S303, after obtaining at least one account data processing state that each of the plurality of target objects satisfies the emergency data processing state condition, the server may detect the target account data processing state that satisfies the emergency data processing state condition, and then perform online real-time processing on the target account data processing state based on the online interaction rule set corresponding to the target account data processing state, as shown in fig. 5, which is a schematic implementation flow diagram of an account data processing method provided by an embodiment of the present application, the execution subject still takes the server as an example, and the specific implementation flow of the method is as follows:

s501: responding to account data processing requests of a plurality of target objects for target services, and recording account data processing states corresponding to the plurality of target objects according to a preset processing state query period.

Wherein each account data processing state characterizes: processing account data of corresponding target objects; thus, processing of account data includes, but is not limited to: failure of account data processing, normal account data processing, abnormal account data processing, emergency account data processing and the like.

Moreover, the target service may be a service under various scenarios, for example, if a bank is taken as an example, the target service includes but is not limited to: transaction application, bank account opening, account cancellation, account data updating and other services.

For example, referring to fig. 6, assuming that the preset processing state query period is 5 seconds (S), after receiving the account data processing requests of the plurality of target objects for the target service, the server may respond to the account data processing requests of the plurality of target objects for the target service, and record the account data processing states corresponding to the plurality of target objects according to the preset processing state query period for 5 seconds.

It should be noted that, in the embodiment of the present application, after receiving the account data processing requests of the plurality of target objects for the target service, the server may simultaneously respond to the account data processing requests of the plurality of target objects for the target service, that is, batch processing is performed on the account data processing requests and the account data corresponding thereto at the beginning, so as to meet the requirement of managing large-scale data.

S502: if the recorded multiple account data processing states are detected to have the target account data processing state meeting the emergency data processing state conditions, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

In an alternative implementation, referring to fig. 7, when step S502 is performed, the server may perform the following operations with respect to any one of the plurality of account data processing states, that is, the first account data processing state, when the plurality of account data processing states are recorded: and determining the processing state type of the first account data processing state, and when the processing state type belongs to a set emergency state type interval, taking the first account data processing state as a target account data processing state meeting the emergency data processing state condition, so that the account data processing state needing emergency data processing can be found in time, and the response speed and the processing speed of the business to abnormal conditions are also improved.

Optionally, if the target account data processing state meeting the emergency data processing state condition exists in the plurality of account data processing states, that is, the server determines that the target account data processing state meeting the emergency data processing state condition exists in the plurality of account data processing states, corresponding data processing abnormality warning information is generated for the target account data processing state.

Obviously, for abnormal conditions (such as target account data processing state), the intelligent early warning mode of the system can enable an operator or an operation and maintenance system to directly modify and process account data through a real-time interaction mode without waiting for batch processing tasks to be completed, so that the service processing time is greatly shortened, and the efficiency, namely the response speed and the processing speed of the service to the abnormal conditions are improved.

Further, after detecting that the target account data processing state meeting the emergency data processing state condition exists in the recorded plurality of account data processing states, the server can perform online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

In an alternative implementation manner, referring to fig. 8, the server performs matching verification on account service processing modes included in the online interaction rule based on a processing state type of the target account data processing state, so as to obtain a corresponding matching verification result; and when the matching verification result indicates that the processing state type is successfully matched with the account service processing mode, carrying out online real-time processing on account data associated with the target account data processing state based on the account service processing mode, thereby completing verification on account service rules.

The account service processing mode is an account service processing mode contained in the account service rule.

Optionally, as shown in fig. 8, when the matching verification result indicates that the matching of the processing state type and the account service processing mode fails, the account service processing mode is modified based on the matching verification result, so as to obtain a modified account service processing mode, and thus account data associated with the target account data processing state is online and real-time processed based on the modified account service processing mode.

Obviously, by the inspection of the account business processing mode contained in the online interaction rule, namely the automatic check and verification of the account data processing system, the errors and omission of manual operation are avoided, and therefore the accuracy and the integrity of data are improved.

Further, after performing online real-time processing on the target account data processing state based on the online interaction rule set corresponding to the target account data processing state, referring to fig. 9, acquiring a service processing result aiming at the target account data processing state, if the service processing result meets a preset service data clearing condition, sending the service processing result to a downstream data platform, and if the service processing result does not meet the service data clearing condition, correcting the service processing result based on the service processing result to obtain a corrected service processing result, so as to perform online real-time processing (namely re-triggering online interaction) on the target account data processing state again based on the corrected service processing result until the corrected service processing result meets the service data clearing condition, and sending the corrected service processing result to the downstream data platform; wherein, the service data clearing condition characterizes: the service processing result meets the accuracy requirement of the set result.

By the method, the clearing and verification of the service processing result are completed, namely the account service clearing and verification of the account service clearing are completed, and the correction of the service processing result which does not meet the service data clearing condition is realized.

In an alternative implementation manner, when detecting that a target account data processing state meeting the conditions of the emergency data processing state exists in a plurality of recorded account data processing states, the server may first determine whether emergency processing is needed for the target account data processing state, if emergency processing is needed, may perform online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state, and if emergency processing is not needed, may perform batch processing, for example, batch clearing and sending a service processing result to a downstream data platform after re-uploading account data (i.e., files) associated with the target account data processing state.

Based on the steps of the account data processing method in S501 to S502, it is assumed that, for example, in a scenario of initiating a transaction application, the account data processing system includes: the server can generate account application data (namely account data) through the expense system after the target object (client) initiates a transaction application, so that the account application data are processed by the settlement system, the settlement system can judge whether the account application data are successfully processed, and if so, the processing of the account application data is completed; otherwise, if the processing fails, the corresponding online interaction can be triggered, namely, the application is processed in real time by the newly added account, the application data of the account is modified, the application information is checked and authorized, the account is cleared in real time after the authorization is successful, and a clearing result (namely, a service processing result) is generated, so that the processing flow of the application data of the account is ended.

Thus, 4 processes may be involved in handling account errors: 1. account processing abnormality and intelligent early warning of a system: when the account processing has failure or abnormal condition, the account data processing system should automatically trigger intelligent early warning immediately and send notification to relevant staff; 2. real-time online modification of account applications: the staff needs to confirm correct account information and manually modify account application information in an account data processing system, and the account data processing system calls an account processing interface in real time to process new account application and records related information such as modification information, modification time, operators and the like in time; 3. checking and feeding back the newly generated application information: for newly generated account application, the account data processing system performs necessary check on application information, and timely informs staff when the application information fails; 4. the successful processing is automatically fed back to a downstream system: after the account abnormality is processed and the verification passes, the account data processing system automatically covers the success result with the original application result and synchronizes the result to the downstream system so as to ensure that the account information in the downstream system is consistent with the system (namely the account data processing system).

Obviously, by the above manner, first, the service processing speed is improved: the real-time interaction mode can enable operators to process data immediately, so that service processing time is shortened; secondly, the accuracy and the integrity of the data are improved: the real-time interaction mode automatically checks and verifies the data through the system, so that errors and omission of manual operation are avoided, and the accuracy and the integrity of the data are improved; furthermore, flexible interaction means are provided: the real-time interaction mode provides a plurality of flexible interaction modes, such as web pages, mobile phone applications and the like, so that customers can conveniently conduct transactions and queries anytime and anywhere, and customer satisfaction and loyalty are improved; and, a real-time feedback mechanism is also provided: the real-time interaction mode provides a real-time feedback mechanism, so that an operator can obtain information about operation conditions, such as whether the operation is successful or not, which anomalies or errors exist, and the like, so that the problems can be quickly found and solved, and the service processing time and risk are reduced; in addition, safety and controllability are also improved: the real-time interaction mode ensures the safety and controllability of data and reduces risks and losses by providing various security measures and authority management.

For another example, it is assumed that in the scenario of online account opening, the server initiates online account opening branch, and can query the investor map according to four elements of account opening and account opening marks to obtain the investor number, if the investor number exists, the investor information is queried according to the investor number, if the investor information exists, the investor information can be newly added, if the investor number does not exist, and if the delegate table is marked as not establishing a map, the investor number is generated/generated, so that the investor map information is newly added and the investor information is newly added; then, after determining that the investor information exists, inquiring account information (such as a transaction account number) in the settlement system according to the investor number and the settlement system, if the account information does not exist, the account information needs to be newly added in the settlement system, so that the account information mapping is inquired through the sales network point and the account information, and if the account information exists, the account information mapping is inquired directly through the sales network point and the account information; further, if the account information mapping exists, comparing whether the investor numbers are consistent, if not, reporting errors, if so, inquiring transaction account information according to the investor numbers, the account information and the (sales) site codes, and if not, newly establishing the account information mapping, thereby inquiring the transaction account information according to the investor numbers, the account information and the (sales) site codes; finally, if the transaction account information exists, updating the transaction account information state or (operation) website code, thereby updating the commission (table), and if the transaction account information does not exist, the transaction account information is newly added, thereby updating the commission (table).

In summary, in the account data processing method provided by the embodiment of the present application, in response to the account data processing requests of the plurality of target objects for the target service, according to the preset processing state query period, account data processing states corresponding to the plurality of target objects are recorded; if the recorded multiple account data processing states are detected to have the target account data processing state meeting the emergency data processing state conditions, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

By adopting the method, the online real-time processing is carried out on the target account data processing state meeting the emergency data processing state conditions through the online interaction rule, so that the technical defects that in the prior art, if the emergency data processing conditions such as data processing errors or anomalies occur, related operations can be carried out after the completion of the whole batch of file processing, and the file transmission takes a certain time and cannot be processed in real time are avoided, and the emergency data processing conditions are ensured to be processed in time.

Further, based on the same technical concept, the embodiment of the application provides an account data processing device, which is used for realizing the above-mentioned method flow of the embodiment of the application. Referring to fig. 10, the account data processing apparatus includes: a recording module 1001 and a processing module 1002, wherein:

A recording module 1001, configured to record account data processing states corresponding to a plurality of target objects according to a preset processing state query period in response to account data processing requests of the plurality of target objects for the target service; wherein each account data processing state characterizes: processing account data of corresponding target objects;

the processing module 1002 is configured to, if it is detected that a target account data processing state satisfying the emergency data processing state condition exists in the recorded plurality of account data processing states, perform online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

In an alternative embodiment, before responding to the account data processing request of each of the plurality of target objects for the target service, the processing module 1002 is further configured to:

In an alternative embodiment, when a target account data processing state satisfying an urgent data processing state condition exists among the plurality of account data processing states detected, the processing module 1002 is specifically configured to:

In an alternative embodiment, when online real-time processing is performed on the target account data processing status based on the online interaction rule set corresponding to the target account data processing status, the processing module 1002 is specifically configured to:

In an alternative embodiment, the processing module 1002 is further configured to:

In an alternative embodiment, after online real-time processing of the target account data processing status based on online interaction rules set corresponding to the target account data processing status, the processing module 1002 is further configured to:

Based on the same technical concept, the embodiment of the application also provides electronic equipment, which can realize the account data processing method flow provided by the embodiment of the application. In one embodiment, the electronic device may be a server, a terminal device, or other electronic device. As shown in fig. 11, the electronic device may include:

The present application is not limited to the specific connection medium between the processor 1101 and the memory 1102, and the connection between the processor 1101 and the memory 1102 through the bus 1100 is exemplified in fig. 11. Bus 1100 is shown in bold lines in fig. 11, and the manner in which other components are connected is illustrated schematically and not by way of limitation. The bus 1100 may be divided into an address bus, a data bus, a control bus, etc., and is represented by only one thick line in fig. 11 for convenience of representation, but does not represent only one bus or one type of bus. Alternatively, the processor 1101 may be referred to as a controller, and the names are not limited.

In an embodiment of the present application, the memory 1102 stores instructions executable by the at least one processor 1101, and the at least one processor 1101 may perform an account data processing method as discussed above by executing the instructions stored by the memory 1102. The processor 1101 may implement the functions of the various modules in the apparatus shown in fig. 10.

The processor 1101 is a control center of the apparatus, and may be connected to various parts of the entire control device by various interfaces and lines, and by executing or executing instructions stored in the memory 1102 and invoking data stored in the memory 1102, various functions of the apparatus and processing data, thereby performing overall monitoring of the apparatus.

In one possible design, processor 1101 may include one or more processing units, and processor 1101 may integrate an application processor and a modem processor, wherein the application processor primarily processes operating systems, user interfaces, application programs, and the like, and the modem processor primarily processes wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 1101. In some embodiments, the processor 1101 and the memory 1102 may be implemented on the same chip, and in some embodiments they may be implemented separately on separate chips.

The processor 1101 may be a general purpose processor such as a CPU, digital signal processor, application specific integrated circuit, field programmable gate array or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, that may implement or perform the methods, steps and logic blocks disclosed in embodiments of the application. The general purpose processor may be a microprocessor or any conventional processor or the like. The steps of an account data processing method disclosed in connection with the embodiment of the application can be directly embodied as being executed by a hardware processor or be executed by a combination of hardware and software modules in the processor.

Memory 1102 is a non-volatile computer-readable storage medium that can be used to store non-volatile software programs, non-volatile computer-executable programs, and modules. The Memory 1102 may include at least one type of storage medium, which may include, for example, flash Memory, hard disk, multimedia card, card Memory, random access Memory (Random Access Memory, RAM), static random access Memory (StaticRandom Access Memory, SRAM), programmable Read Only Memory (Programmable Read OnlyMemory, PROM), read Only Memory (ROM), charged erasable programmable Read Only Memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), magnetic Memory, magnetic disk, optical disk, and the like. Memory 1102 is any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 1102 in embodiments of the present application may also be circuitry or any other device capable of performing memory functions for storing program instructions and/or data.

By programming the processor 1101, code corresponding to one of the account data processing methods described in the previous embodiments may be cured into the chip, thereby enabling the chip to perform the steps of one of the account data processing methods of the embodiment shown in fig. 5 at run-time. How to program the processor 1101 is a well-known technique for those skilled in the art, and will not be described in detail herein.

Based on the same inventive concept, the embodiment of the present application also provides a storage medium storing computer instructions that, when executed on a computer, cause the computer to perform an account data processing method as described above.

In some possible embodiments, the application also provides that aspects of an account data processing method may also be implemented in the form of a program product comprising program code for causing a control apparatus to carry out the steps of an account data processing method according to the various exemplary embodiments of the application as described herein above when the program product is run on a device.

It should be noted that although several units or sub-units of the apparatus are mentioned in the above detailed description, such a division is merely exemplary and not mandatory. Indeed, the features and functions of two or more of the elements described above may be embodied in one element in accordance with embodiments of the present application. Conversely, the features and functions of one unit described above may be further divided into a plurality of units to be embodied.

Furthermore, although the operations of the methods of the present application are depicted in the drawings in a particular order, this is not required to either imply that the operations must be performed in that particular order or that all of the illustrated operations be performed to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a server, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

Program code for carrying out operations of the present application may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's equipment, as a stand-alone software package, partly on the user's computing device, partly on a remote computing device, or entirely on the remote computing device or server.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It will be apparent to those skilled in the art that various modifications and variations can be made to the present application without departing from the spirit or scope of the application. Thus, it is intended that the present application also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

Claims

1. A method for processing account data, comprising:

if detecting that the target account data processing state meeting the emergency data processing state conditions exists in the recorded multiple account data processing states, performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state.

2. The method of claim 1, wherein prior to responding to the account data processing request for the target service for each of the plurality of target objects, further comprising:

for the plurality of target objects, the following operations are performed respectively:

acquiring a historical account data processing set of a first target object, and analyzing each historical data processing event contained in the historical account data processing set to obtain various account data processing states; wherein the first target object is any one of the plurality of target objects;

Screening at least one account data processing state meeting the emergency data processing state condition from the plurality of account data processing states;

3. The method of claim 1, wherein detecting that a target account data processing state exists that satisfies an emergency data processing state condition among the recorded plurality of account data processing states, comprising:

for the plurality of account data processing states, respectively performing the following operations:

determining a processing state type of the first account data processing state; wherein the first account data processing state is any one of the plurality of account data processing states;

and when the processing state type belongs to a set emergency state type interval, the first account data processing state is used as a target account data processing state meeting the emergency data processing state condition.

4. The method of any of claims 1-3, wherein the online real-time processing of the target account data processing state based on online interaction rules set for the target account data processing state comprises:

and when the matching verification result represents that the processing state type is successfully matched with the account service processing mode, performing online real-time processing on account data associated with the target account data processing state based on the account service processing mode.

5. The method of claim 4, wherein the method further comprises:

when the matching verification result represents that the matching of the processing state type and the account service processing mode fails, correcting the account service processing mode based on the matching verification result to obtain a corrected account service processing mode;

and carrying out online real-time processing on the account data related to the target account data processing state based on the corrected account service processing mode.

6. The method of any of claims 1-3, wherein after performing online real-time processing on the target account data processing state based on online interaction rules set corresponding to the target account data processing state, further comprising:

acquiring a service processing result aiming at the data processing state of the target account;

if the service processing result meets a preset service data clearing condition, the service processing result is sent to a downstream data platform; wherein the business data clearing condition characterizes: the service processing result meets the accuracy requirement of the set result.

7. The method of claim 6, wherein the method further comprises:

and carrying out online real-time processing on the target account data processing state again based on the corrected service processing result.

8. A method according to any one of claims 1-3, wherein the method further comprises:

And if the target account data processing state meeting the emergency data processing state conditions exists in the plurality of account data processing states, corresponding data processing abnormality warning information is generated aiming at the target account data processing state.

9. An account data processing apparatus, comprising:

the recording module is used for responding to account data processing requests of a plurality of target objects for target business respectively and recording account data processing states corresponding to the plurality of target objects respectively according to a preset processing state query period; wherein each account data processing state characterizes: processing account data of corresponding target objects;

10. The apparatus of claim 9, wherein prior to the responding to the account data processing request for the target service for each of the plurality of target objects, the processing module is further to:

11. The apparatus of claim 9, wherein, in the detecting of a target account data processing state that satisfies an emergency data processing state condition among the plurality of account data processing states recorded, the processing module is specifically configured to:

12. The apparatus of any one of claims 9-11, wherein, when the online real-time processing is performed on the target account data processing state based on the online interaction rule set corresponding to the target account data processing state, the processing module is specifically configured to:

13. The apparatus of claim 12, wherein the processing module is further to:

14. The apparatus of any of claims 9-11, wherein after the online real-time processing of the target account data processing state based on the online interaction rules set for the target account data processing state, the processing module is further to:

15. The apparatus of claim 14, wherein the processing module is further to:

16. The apparatus of any of claims 9-11, wherein the processing module is further to:

17. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1-8 when executing the computer program.

18. 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 steps of the method according to any of claims 1-8.

19. A computer program product, characterized in that the computer program product, when called by a computer, causes the computer to perform the method according to any of claims 1-8.