CN111105304B - Data processing method and device, storage medium and electronic terminal - Google Patents
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Abstract
The disclosure relates to the technical field of computers, and in particular relates to a data processing device, a storage medium and an electronic terminal. The method comprises the following steps: the first data service platform receives a risk guarantee contract processing request of a user; acquiring a risk guarantee contract configuration scheme selected by a user and calling a first parameter calculation interface to acquire estimated financial parameters corresponding to the risk guarantee contract configuration scheme; responding to the execution plan information of the estimated financial parameter configuration by the user, and packaging the risk guarantee contract configuration scheme, the estimated financial parameter and the execution plan information to generate a user data packet; invoking a second data transmission interface to send the user data packet to a second data service platform so as to acquire an evaluation result of the second data service platform on the user data packet; the first data service platform receives the evaluation results and generates risk assurance contract user data when the evaluation results include the first evaluation results. The method can save the data processing flow.
Description
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a data processing method, a data processing apparatus, a storage medium, and an electronic terminal.
Background
With the rapid development of the internet, internet financial services are rapidly developed, and users can perform various services on the internet. For example, the user may make purchases, financing, or purchase financial products, etc., over the Internet.
In the prior art, a user can transact financial business such as loan and stage through the Internet and can purchase financial products such as insurance through the Internet. But the user can only select and purchase insurance products or transact related services in the website or application program of the insurance products; financial transactions such as loans and installments are handled in websites or application programs of banks or financial institutions.
It should be noted that the information disclosed in the above background section is only for enhancing understanding of the background of the present disclosure and thus may include information that does not constitute prior art known to those of ordinary skill in the art.
Disclosure of Invention
It is an object of the present disclosure to provide a data processing method, a data processing apparatus, a storage medium, and an electronic terminal that enable direct interaction between different data processing platforms, thereby overcoming, at least to some extent, one or more of the problems due to the limitations and disadvantages of the related art.
Other features and advantages of the present disclosure will be apparent from the following detailed description, or may be learned in part by the practice of the disclosure.
According to a first aspect of the present disclosure, there is provided a data processing method comprising:
the first data service platform receives a risk guarantee contract processing request of a user;
acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
responding to the execution plan information of the estimated financial parameter configuration by the user, and packaging the risk guarantee contract configuration scheme, the estimated financial parameter and the execution plan information to generate a user data packet;
invoking a second data transmission interface to send the user data packet to a second data service platform so as to acquire an evaluation result of the second data service platform on the user data packet;
and the first data service platform receives the evaluation result and generates risk guarantee contract user data when the evaluation result comprises a first evaluation result.
In an exemplary embodiment of the present disclosure, the first data service platform receives a risk guarantee contract processing request of a user, including:
Responding to the selected operation of a target control in an interactive interface by a user, and generating the risk guarantee contract processing request;
the first data service platform receives the risk guarantee contract processing request and responds to the risk guarantee contract processing request to generate a target image uploading instruction;
and the first data service platform receives the target certificate image uploaded by the user and recognizes the target certificate image to acquire target certificate data.
In an exemplary embodiment of the present disclosure, the identifying the target document image to obtain target document data includes:
performing optical character recognition on the target document image to extract target document data;
and comparing the target certificate data with the basic information data of the user so as to verify the target certificate data and the basic information data of the user.
In an exemplary embodiment of the present disclosure, when the risk guarantee contract configuration scheme, the estimated financial parameter, and the execution plan information are encapsulated to obtain the user data packet, the encapsulated data further includes:
any one or more of target certificate data, basic data and authority grant information of the user.
In an exemplary embodiment of the disclosure, when the evaluation result includes a first evaluation result, generating risk guarantee contract user data includes:
responding to a first financial behavior execution operation triggered by a user to the first evaluation result, and calling a third financial operation interface for the second data service platform to initiate a second financial behavior execution operation to the first data service platform;
the first data service platform monitors a triggering result of the first financial operation, and generates the risk guarantee contract user data when detecting credential information of the second financial behavior execution operation.
In an exemplary embodiment of the disclosure, when the generating the risk guarantee contract user data, the method further includes:
and calling a fourth user processing data interface, and configuring the user as a risk guarantee contract guaranteed object.
In an exemplary embodiment of the present disclosure, the method further comprises:
monitoring updated information of the risk guarantee contract user data of the user;
and when the updated information comprises the user non-compliance operation data, releasing the risk guarantee contract with the user, and configuring the user as a risk object.
According to a second aspect of the present disclosure, there is provided a data processing apparatus comprising:
the risk guarantee contract processing request receiving module is used for receiving a risk guarantee contract processing request of a user by the first data service platform;
the risk guarantee contract parameter configuration module is used for acquiring a risk guarantee contract configuration scheme selected by a user and calling a first parameter calculation interface to acquire estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
the user data packet packaging module is used for responding to the execution plan information of the estimated financial parameter configuration of the user, packaging the risk guarantee contract configuration scheme, the estimated financial parameter and the execution plan information to generate a user data packet;
the evaluation module is used for calling a second data transmission interface to send the user data packet to a second data service platform so as to acquire an evaluation result of the second data service platform on the user data packet;
and the evaluation result processing module is used for receiving the evaluation result by the first data service platform and generating risk guarantee contract user data when the evaluation result comprises the first evaluation result.
According to a third aspect of the present disclosure, there is provided a storage medium having stored thereon a computer program which, when executed by a processor, implements the data processing method described above.
According to a fourth aspect of the present disclosure, there is provided an electronic terminal comprising:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to perform the data processing method described above via execution of the executable instructions
In the data processing method provided by the embodiment of the disclosure, a risk guarantee contract processing request of a user is received through a first data service platform, the risk guarantee contract processing request is processed to obtain a user risk guarantee contract configuration scheme and corresponding execution plan information of estimated financial parameters, each item of data is packaged to generate a user data packet, the user data packet is sent to a second data service platform, the second data service platform is utilized for evaluation, and an evaluation result is fed back to the first data service platform, so that the first data service platform can judge whether risk guarantee contract user data can be generated for the user according to the evaluation result. Through direct call of the data interface, the first data platform and the second data platform can directly transmit data and exchange information, and different processing requests are prevented from being respectively submitted in the two data service platforms by a user. Saving the processing flow.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the disclosure and together with the description, serve to explain the principles of the disclosure. It will be apparent to those of ordinary skill in the art that the drawings in the following description are merely examples of the disclosure and that other drawings may be derived from them without undue effort.
FIG. 1 schematically illustrates a flow diagram of a data processing method in an exemplary embodiment of the present disclosure;
FIG. 2 schematically illustrates a schematic diagram of an interactive interface for a user to upload a target document image in an exemplary embodiment of the present disclosure;
FIG. 3 schematically illustrates a schematic diagram of an interactive interface displaying execution plan information of estimated financial parameters in an exemplary embodiment of the present disclosure;
FIG. 4 schematically illustrates a schematic diagram of an interactive interface for information presentation after a successful application in an exemplary embodiment of the present disclosure;
FIG. 5 schematically illustrates a schematic diagram of an interactive interface for user payment in an exemplary embodiment of the present disclosure;
FIG. 6 schematically illustrates a schematic diagram of an interactive interface for success of an application in an exemplary embodiment of the present disclosure;
FIG. 7 schematically illustrates a composition diagram of a data processing apparatus in an exemplary embodiment of the present disclosure;
FIG. 8 schematically illustrates a composition diagram of an electronic device in an exemplary embodiment of the present disclosure;
fig. 9 schematically illustrates a schematic diagram of a program product in an exemplary embodiment of the present disclosure.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. However, the exemplary embodiments may be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.
In this exemplary embodiment, a data processing method is provided first. Referring to fig. 1, the data processing method described above may include the steps of:
step S11, a first data service platform receives a risk guarantee contract processing request of a user;
Step S12, acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
step S13, responding to the execution plan information of the estimated financial parameter configuration of the user, and packaging the risk guarantee contract configuration scheme, the estimated financial parameter and the execution plan information to generate a user data packet;
step S14, a second data transmission interface is called to send the user data packet to a second data service platform so as to acquire an evaluation result of the second data service platform on the user data packet;
and step S15, the first data service platform receives the evaluation result and generates risk guarantee contract user data when the evaluation result comprises the first evaluation result.
According to the data processing method provided by the example embodiment, a risk guarantee contract processing request of a user is received through a first data service platform, the risk guarantee contract processing request is processed to obtain a user risk guarantee contract configuration scheme and corresponding execution plan information of estimated financial parameters, various data are packaged to generate a user data packet, the user data packet is sent to a second data service platform, the second data service platform is utilized for evaluation, and an evaluation result is fed back to the first data service platform, so that the first data service platform can judge whether risk guarantee contract user data can be generated for the user according to the evaluation result. On one hand, through direct call of the data interface, the first data platform and the second data platform can directly transmit data and exchange information; on the other hand, the user can be prevented from submitting different processing requests in the two data service platforms respectively. Saving the processing flow.
Hereinafter, each step in the data processing method in the present exemplary embodiment will be described in more detail with reference to the accompanying drawings and examples.
Step S11, the first data service platform receives a risk guarantee contract processing request of a user.
In this example embodiment, a first data service platform may be provided, where the first data service platform may run on a server side and provide a front-end interaction interface for interaction with a user. For example, the front-end interactive interface may be in the form of a web page, an application program, a WeChat applet, or a WeChat public number, so that the user may perform operations such as selection, input, uploading, downloading, etc. through the interactive interface.
Specifically, the step S11 may include the following:
step S111, responding to the selected operation of a target control in an interactive interface by a user, and generating the risk guarantee contract processing request;
step S112, the first data service platform receives the risk guarantee contract processing request and responds to the risk guarantee contract processing request to generate a target image uploading instruction;
step S113, the first data service platform receives the target document image uploaded by the user, and identifies the target document image to obtain target document data.
For example, the risk guarantee contract processing request may be an application processing request for a target insurance product; the first data service platform may be an insurance data service platform, and operates at a background server.
And meanwhile, a user front end can be provided, and in the interactive interface, controls of a plurality of insurance commodities can be displayed for the user. For example, when a user selects a control corresponding to an insurance product by clicking or the like, a processing request for the target insurance product may be triggered and sent to the insurance data service platform. After receiving the processing request for the target insurance commodity, the insurance data service platform can generate a target image uploading instruction, and provide an interface for uploading the evidence photo for the user in the interactive interface, so that the user can upload the evidence image through the interface.
For example, referring to the interactive interface shown in fig. 2, when the target insurance product selected by the user is a vehicle insurance product, the user may upload a photograph of a vehicle license and an identity card photograph. If the target insurance commodity selected by the user is personal insurance, the user can upload the identity card photo.
In this example embodiment, after receiving the certificate photograph uploaded by the user, the first data service platform may identify the certificate photograph and extract the target certificate data. Specifically, it may include:
step S1131, performing optical character recognition on the target certificate image to extract target certificate data;
step S1131, comparing the target certificate data with the basic information data of the user, so as to verify the target certificate data and the basic information data of the user.
After the certificate image is acquired, an OCR (optical character recognition) interface can be called, and the certificate photo can be recognized by utilizing OCR (Optical Character Recognition) technology to extract the certificate data. For example, for a motor vehicle license, one or more of the license plate number, the vehicle type, the owner, the nature of use, the brand type, the vehicle identification code, the engine number, the registration date, and the issuing authority may be extracted. For the identity card, user basic information such as name, identity card number and the like can be extracted. After the identification is completed, the information of the identified owner can be compared with the name of the user to judge whether the information is consistent with the name of the user. In addition, after the vehicle type and the brand model information are identified, the vehicle model query data interface service can be called to query the detailed information of the vehicle. Thus realizing the verification of the information of the vehicle and the personnel.
Step S12, acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire estimated financial parameters corresponding to the risk guarantee contract configuration scheme.
In this example embodiment, the user may select a specific risk and apply a number of policies in the interactive interface of the terminal, so as to generate a corresponding risk guarantee contract configuration scheme. After a specific configuration scheme is generated, the first parameter calculation interface can be called to call the premium calculation service, and the specific premium under the current configuration scheme is calculated, so that the financial parameters can be estimated. And pushing the calculated result of the premium to an interaction interface for display of the user.
In addition, in some embodiments of the present example, the identified target certificate data, vehicle information, user information, and data such as the configuration scheme and estimated cost of the target insurance product may be further encapsulated, so as to obtain a verification data packet. And invoking the underwriting rule engine service to underwriting the underwriting data packet of the user. For example, the underwriting rule engine may verify the policy according to information such as the application insurance policy, the vehicle history risk information, the vehicle history payment information, and the like, and determine whether the policy meets the application requirements of the underwriting institution. If the result of the verification meets the requirement of the application, the relevant information can be displayed in the interactive interface, as shown in fig. 4, and the subsequent operation is continued. Or if the verification result does not meet the requirement of the application, a prompt message can be generated to prompt the user that the application operation cannot be performed.
And step S13, responding to the execution plan information of the estimated financial parameter configuration by the user, and packaging the risk guarantee contract configuration scheme, the estimated financial parameter and the execution plan information to generate a user data packet.
In this exemplary embodiment, referring to fig. 3, the user may also be provided with an option of performing loan classification on the premium in the interactive interface, for example, an option of 3 months, 6 months, 12 months, etc. When the user selects a stage option, the execution plan information of the estimated financial parameter configuration is triggered to be generated, and at the moment, the basic data of the user, the identified target certificate data, the authority grant information of the user about credit inquiry, the specific application scheme, the estimated premium, the specific stage plan, the user protocol and other data can be packaged, and a user data packet is generated.
And step S14, calling a second data transmission interface to send the user data packet to a second data service platform so as to acquire an evaluation result of the second data service platform on the user data packet.
In this example embodiment, after the first data service platform generates the user data packet, the second data transmission interface may be called to invoke the data transmission service, and the user data packet is sent to the second data service platform.
For example, the second data service platform may be a loan issuer or a financial institution, and the second data service platform may be executed at the server side. For the second data service platform, after receiving the user data packet, the second data service platform can unpack the user data packet to extract relevant information of the user. For example, it is possible to
And evaluates whether a loan can be issued for the current user according to preset rules. And transmitting the specific evaluation result to the first data service platform and the user side. For example, the user may be notified of the evaluation result by means of a short message.
And step S15, the first data service platform receives the evaluation result and generates risk guarantee contract user data when the evaluation result comprises the first evaluation result.
In this example embodiment, after receiving the evaluation result sent by the second data service platform, the first data service platform may analyze the evaluation result. If the evaluation result is the first evaluation result, that is, the loan application is successful, the corresponding result can be displayed on the terminal device. Or if the evaluation result is the second evaluation result, that is, the loan application fails, the corresponding result can be displayed on the terminal device.
Specifically, when the evaluation result is the first evaluation result, the above-mentioned step S15 may include the following:
step S151, in response to a first financial behavior execution operation triggered by a user to the first evaluation result, invoking a third financial operation interface to be used for the second data service platform to initiate a second financial behavior execution operation to the first data service platform;
in step S152, the first data service platform monitors a trigger result of the first financial operation, and generates the risk guarantee contract user data when detecting credential information of the second financial action execution operation.
And step S153, calling a fourth user to process a data interface, and configuring the user as a risk guarantee contract guaranteed object.
For example, a control for initiating payment may be provided on the interactive interface, such as the "confirm payment" control in the interactive interface shown in FIG. 5. When the user clicks the control for initiating payment, the first financial behavior execution operation of the first evaluation result is triggered, namely, the payment operation is triggered, at the moment, a third financial operation interface can be called, and payment call is initiated according to a preset transmission protocol and an encryption mode, so that the second data service platform initiates the second financial behavior execution operation to the first data service platform according to the call information. For example, after receiving the confirmed loan and payment information of the user, the financial structure may trigger the operation of money transfer on the enterprise account, and transfer the account of the insurance amount to the first data service platform.
Meanwhile, after the user triggers the first financial behavior execution operation, the first data service platform can detect the second data service platform and judge whether the second financial behavior execution operation actually occurs on the second data service platform. For example, the insurance data service platform may detect whether transfer information, such as transfer vouchers, of a financial structure is received. When the transfer information is received, the successful payment is confirmed, and the corresponding policy information can be generated and displayed in the interactive interface as shown in fig. 6. For example, the first data service platform may invoke an underwriting fee order interface service to generate an insurance policy. And simultaneously, sending the generated policy number and related information of the policy to the client. And the policy freezing interface is called to place the policy in a rights and interests protection state, and the user is taken as a guaranteed user.
Based on the foregoing, in this exemplary embodiment, the foregoing method may further include:
step S21, monitoring update information of the risk guarantee contract user data of the user;
and S22, when the updated information comprises the non-compliance operation data of the user, releasing the risk guarantee contract with the user, and configuring the user as a risk object.
Specifically, after the user makes an insurance and makes a payment successfully, the financial behavior and insurance behavior of the user can be monitored and the risk guarantee contract user data of the user can be updated in real time during the period that the user is guaranteed.
For example, the payment behavior of the user may be monitored to determine whether to pay on time. Specifically, the second data service platform may detect whether the transfer information of the user is received according to the time timing agreed with the risk guarantee contract of the user, for example, through the transfer voucher information. If the credential information corresponding to the user is detected, no operation is performed. And if the credential information is not detected, sending the updating information of the user non-compliance operation data to the first data service platform. Alternatively, the complaint non-compliance operation may be that the user's fraudulent act triggers the uploaded non-compliance operation data, etc.
After receiving the update information of the user non-compliance operation data, the first data service platform can release the risk guarantee contract with the user, and remove the user from the risk guarantee contract guaranteed object list and add the user to the risk user list. Meanwhile, when the user moves out of the risk guarantee contract guaranteed object list, the first data service platform can be triggered to calculate the residual amount of the policy of the user according to a preset rule, and the third financial behavior execution operation is triggered to be executed. For example, the third financial activity performing operation may be a transfer operation of the first data service platform to the second data service platform according to the policy residual amount.
In the data processing method provided by the embodiments of the present disclosure, when a user triggers an application request at a first data service platform, the user may upload and identify a certificate image, and evaluate whether the application is possible according to the information of the user. When the assessment can apply and select staged payment, the first data service platform directly transmits relevant user data to the second data service platform. When the second data service platform evaluates that the loan can be performed on the user, the relevant information is fed back to the first data service platform and the user. The second data interaction platform can directly transfer money to the first data interaction platform, so that funds do not pass through clients, and illegal financial behaviors of the users are effectively avoided. Meanwhile, the two data processing platforms can directly conduct data interaction and evaluation on users, and corresponding operations are executed. The processing flow of the user is greatly simplified, and the user is prevented from operating and uploading information on the two platforms respectively. In addition, by monitoring the user behavior during the user guarantee period, the determined risk guarantee contract can be adjusted in real time according to the user behavior
It is noted that the above-described figures are only schematic illustrations of processes involved in a method according to an exemplary embodiment of the invention, and are not intended to be limiting. It will be readily appreciated that the processes shown in the above figures do not indicate or limit the temporal order of these processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, for example, among a plurality of modules.
Further, referring to fig. 7, there is also provided in the embodiment of the present example a data processing apparatus 70, including: a risk guarantee contract processing request receiving module 701, a risk guarantee contract parameter configuration module 702, a user data packet packaging module 703, an evaluation module 704, and an evaluation result processing module 705. Wherein:
the risk guarantee contract processing request receiving module 701 may be configured to receive a risk guarantee contract processing request of a user by using a first data service platform.
The risk guarantee contract parameter configuration module 702 may be configured to obtain a risk guarantee contract configuration scheme selected by a user, and call a first parameter computing interface to obtain estimated financial parameters corresponding to the risk guarantee contract configuration scheme.
The user data package module 703 may be configured to package the risk guarantee contract configuration scheme, the estimated financial parameter, and the execution plan information to generate a user data package in response to the execution plan information of the estimated financial parameter configuration by the user.
The evaluation module 704 may be configured to invoke a second data transmission interface to send the user data packet to a second data service platform, so as to obtain an evaluation result of the second data service platform on the user data packet.
The evaluation result processing module 705 may be configured to receive the evaluation result from the first data service platform and generate risk assurance contract user data when the evaluation result includes a first evaluation result.
In this exemplary embodiment, the risk guarantee contract processing request receiving module 701 may include: the system comprises a risk guarantee contract processing request generating unit, a target image uploading instruction generating unit and a target certificate data acquiring unit. Wherein,,
the risk guarantee contract processing request generating unit may be configured to generate the risk guarantee contract processing request in response to a selection operation of a target control in the interactive interface by a user.
The target image uploading instruction generating unit may be configured to receive the risk guarantee contract processing request by using the first data service platform, and respond to the risk guarantee contract processing request to generate a target image uploading instruction.
The target certificate data acquisition unit can be used for receiving the target certificate image uploaded by the user by the first data service platform and identifying the target certificate image so as to acquire target certificate data.
In this exemplary embodiment, the target document data acquisition unit may include: certificate identification and information verification unit. Wherein,,
The document identification can be used to optically character identify the target document image to extract target document data.
The information verification unit may be configured to compare the target certificate data with the user's basic information data, for verification of the target certificate data and the user's basic information data.
In the present exemplary embodiment, the encapsulated data further includes:
any one or more of target certificate data, basic data and authority grant information of the user.
In this exemplary embodiment, the evaluation module 704 may further include: and a user transmission module.
The user transmission module may be configured to send the evaluation result to the user.
In the present exemplary embodiment, the evaluation result processing module 705 may include: and the second financial behavior execution operation triggering unit and the risk guarantee contract user data generating unit.
And the third financial operation interface is called for the second data service platform to initiate a second financial action execution operation to the first data service platform in response to the first financial action execution operation triggered by the user on the first evaluation result.
The risk guarantee contract user data generating unit may be configured to monitor a trigger result of the first financial operation by using the first data service platform, and generate the risk guarantee contract user data when credential information of an operation performed by the second financial behavior is detected.
In the present exemplary embodiment, the evaluation result processing module 705 may further include: and a user configuration unit.
The user configuration unit may be configured to invoke a fourth user processing data interface to configure the user as a risk assurance contract secured object.
In the present exemplary embodiment, the apparatus 70 further includes: and the user updates the information monitoring module and the risk object configuration module. Wherein,,
the user update information monitoring module may be configured to monitor update information of the risk guarantee contract user data of the user.
The risk object configuration module may be configured to release a risk guarantee contract with the user and configure the user as a risk object when the updated information includes user non-compliance operation data.
The specific details of each module in the data processing apparatus 70 are described in detail in the corresponding data processing method, and thus are not described herein.
It should be noted that although in the above detailed description several modules or units of a device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit in accordance with embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into a plurality of modules or units to be embodied.
In an exemplary embodiment of the present disclosure, an electronic device capable of implementing the above method is also provided.
Those skilled in the art will appreciate that the various aspects of the invention may be implemented as a system, method, or program product. Accordingly, aspects of the invention may be embodied in the following forms, namely: an entirely hardware embodiment, an entirely software embodiment (including firmware, micro-code, etc.) or an embodiment combining hardware and software aspects may be referred to herein as a "circuit," module "or" system.
An electronic device 800 according to such an embodiment of the invention is described below with reference to fig. 8. The electronic device 800 shown in fig. 8 is merely an example and should not be construed as limiting the functionality and scope of use of embodiments of the present invention.
As shown in fig. 8, the electronic device 800 is embodied in the form of a general purpose computing device. Components of electronic device 800 may include, but are not limited to: the at least one processing unit 810, the at least one memory unit 820, and a bus 830 connecting the various system components, including the memory unit 820 and the processing unit 810.
Wherein the storage unit stores program code that is executable by the processing unit 810 such that the processing unit 810 performs steps according to various exemplary embodiments of the present invention described in the above section of the "exemplary method" of the present specification. For example, the processing unit 810 may perform the method as shown in fig. 1.
The storage unit 820 may include readable media in the form of volatile storage units, such as Random Access Memory (RAM) 8201 and/or cache memory 8202, and may further include Read Only Memory (ROM) 8203.
The electronic device 800 may also communicate with one or more external devices 600 (e.g., keyboard, pointing device, bluetooth device, etc.), one or more devices that enable a user to interact with the electronic device 800, and/or any device (e.g., router, modem, etc.) that enables the electronic device 800 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 850. Also, electronic device 800 may communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the Internet, through network adapter 860. As shown, network adapter 860 communicates with other modules of electronic device 800 over bus 830. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with electronic device 800, including, but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.
From the above description of embodiments, those skilled in the art will readily appreciate that the example embodiments described herein may be implemented in software, or may be implemented in software in combination with the necessary hardware. Thus, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (may be a CD-ROM, a U-disk, a mobile hard disk, etc.) or on a network, including several instructions to cause a computing device (may be a personal computer, a server, a terminal device, or a network device, etc.) to perform the method according to the embodiments of the present disclosure.
In an exemplary embodiment of the present disclosure, a computer-readable storage medium having stored thereon a program product capable of implementing the method described above in the present specification is also provided. In some possible embodiments, the various aspects of the invention may also be implemented in the form of a program product comprising program code for causing a terminal device to carry out the steps according to the various exemplary embodiments of the invention as described in the "exemplary methods" section of this specification, when said program product is run on the terminal device.
Referring to fig. 9, a program product 900 for implementing the above-described method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited thereto, and in this document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium would include the following: an electrical connection having one or more wires, a portable disk, a hard disk, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable signal medium may include a data signal propagated in baseband or as part of a carrier wave with readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present invention 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 device, 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. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
Furthermore, the above-described drawings are only schematic illustrations of processes included in the method according to the exemplary embodiment of the present invention, and are not intended to be limiting. It will be readily appreciated that the processes shown in the above figures do not indicate or limit the temporal order of these processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, for example, among a plurality of modules.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any adaptations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
It is to be understood that the present disclosure is not limited to the precise arrangements and instrumentalities shown in the drawings, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.
Claims (9)
1. A method of data processing, comprising:
The first data service platform receives a risk guarantee contract processing request of a user;
acquiring a risk guarantee contract configuration scheme selected by a user, and calling a first parameter calculation interface to acquire estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
responding to the execution plan information of the estimated financial parameter configuration by the user, and packaging the risk guarantee contract configuration scheme, the estimated financial parameter and the execution plan information to generate a user data packet;
invoking a second data transmission interface to send the user data packet to a second data service platform so as to acquire an evaluation result of the second data service platform on the user data packet;
the first data service platform receives the evaluation result and generates risk guarantee contract user data when the evaluation result comprises a first evaluation result;
and when the evaluation result comprises a first evaluation result, generating risk guarantee contract user data, wherein the risk guarantee contract user data comprises:
responding to a first financial behavior execution operation triggered by a user to the first evaluation result, and calling a third financial operation interface for the second data service platform to initiate a second financial behavior execution operation to the first data service platform;
The first data service platform monitors a triggering result of the first financial operation, and generates the risk guarantee contract user data when detecting credential information of the second financial behavior execution operation.
2. The method of claim 1, wherein the first data service platform receiving a risk assurance contract processing request for a user comprises:
responding to the selected operation of a target control in an interactive interface by a user, and generating the risk guarantee contract processing request;
the first data service platform receives the risk guarantee contract processing request and responds to the risk guarantee contract processing request to generate a target image uploading instruction;
and the first data service platform receives the target certificate image uploaded by the user and recognizes the target certificate image to acquire target certificate data.
3. The method of claim 2, wherein the identifying the target document image to obtain target document data comprises:
performing optical character recognition on the target document image to extract target document data;
and comparing the target certificate data with the basic information data of the user so as to verify the target certificate data and the basic information data of the user.
4. The method of claim 1, wherein when the risk guarantee contract configuration scheme, the estimated financial parameters, and the execution plan information are packaged to obtain the user data packet, the packaged data further comprises:
any one or more of target certificate data, basic data and authority grant information of the user.
5. The method of claim 1, wherein when generating the risk assurance contract user data, the method further comprises:
and calling a fourth user processing data interface, and configuring the user as a risk guarantee contract guaranteed object.
6. The method according to claim 1, wherein the method further comprises:
monitoring updated information of the risk guarantee contract user data of the user;
and when the updated information comprises the user non-compliance operation data, releasing the risk guarantee contract with the user, and configuring the user as a risk object.
7. A data processing apparatus, comprising:
the risk guarantee contract processing request receiving module is used for receiving a risk guarantee contract processing request of a user by the first data service platform;
The risk guarantee contract parameter configuration module is used for acquiring a risk guarantee contract configuration scheme selected by a user and calling a first parameter calculation interface to acquire estimated financial parameters corresponding to the risk guarantee contract configuration scheme;
the user data packet packaging module is used for responding to the execution plan information of the estimated financial parameter configuration of the user, packaging the risk guarantee contract configuration scheme, the estimated financial parameter and the execution plan information to generate a user data packet;
the evaluation module is used for calling a second data transmission interface to send the user data packet to a second data service platform so as to acquire an evaluation result of the second data service platform on the user data packet;
the evaluation result processing module is used for receiving the evaluation result by the first data service platform and generating risk guarantee contract user data when the evaluation result comprises the first evaluation result;
the evaluation result processing module is specifically configured to:
responding to a first financial behavior execution operation triggered by a user to the first evaluation result, and calling a third financial operation interface for the second data service platform to initiate a second financial behavior execution operation to the first data service platform;
The first data service platform monitors a triggering result of the first financial operation, and generates the risk guarantee contract user data when detecting credential information of the second financial behavior execution operation.
8. A storage medium having stored thereon a computer program which, when executed by a processor, implements the data processing method according to any of claims 1 to 6.
9. An electronic terminal, comprising:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to perform the data processing method of any one of claims 1 to 6 via execution of the executable instructions.
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| CN111966429B (en) * | 2020-08-21 | 2022-07-08 | 支付宝(杭州)信息技术有限公司 | Applet processing method and device |
| CN113344523A (en) * | 2021-05-27 | 2021-09-03 | 中国工商银行股份有限公司 | Data processing method and device, electronic equipment and computer readable storage medium |
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