CN112598504B - Service processing method and device - Google Patents

Abstract

The invention provides a business processing method and a business processing device, which are characterized in that a transaction request of a target product sent by a client is received, wherein the client transaction request comprises transaction information, product basic information of the target product of the client and basic information of the client; acquiring a preset target transaction file of a client target product according to the basic information of the client product; if the type of the parameter corresponding to the business carried by the customer transaction request is the negotiable parameter type, acquiring a plurality of target negotiable parameters corresponding to the customer business from a customer target transaction file; and determining the cost for transacting the customer business according to the negotiable parameters of the multiple targets of the customer and the customer transaction information. Based on the method and the device, different types of clients can be subjected to differentiated processing on the basis of improving the generation efficiency and accuracy of the transaction file, and the experience of the clients is improved.

Description

Service processing method and device

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a service processing method and apparatus.

Background

With the continuous development of society, the development of credit card services for banking enterprises is faster and faster, and various credit card products are introduced for attracting more customers.

In the prior art, a technician configures a plurality of parameters for various credit card products to form a saleable credit card product, wherein the parameters configured for the signal card product by the technician are non-negotiable parameters, i.e. parameters which cannot be changed, for example, the non-negotiable parameters can take cash rate, deposit rate, stage change cost, stage cost and the like. When a customer handles a credit card, a business person generates corresponding contracts according to a plurality of parameters configured by a technician for the credit card in advance, and generates a final transaction file according to the generated contracts, so that when the subsequent customer handles corresponding business based on the credit card, corresponding fees are deducted according to the corresponding final transaction file of the credit card.

In the existing mode, by generating corresponding contracts for a plurality of parameters configured by a technician in advance according to the credit card, the service personnel not only spends long time but also is easy to generate errors, so that the efficiency and the accuracy of the generated final transaction file are low, and the parameters configured by the technician for the credit card are fixed, so that differentiation processing on different types of clients cannot be realized, and the experience of the clients is poor.

Disclosure of Invention

In view of the above, the present invention provides a business processing method and apparatus, which are aimed at improving customer experience by performing differentiated processing on different types of customers on the basis of improving the generation efficiency and accuracy of transaction files.

The first aspect of the invention discloses a service processing method, which comprises the following steps:

receiving a transaction request of a target product sent by a client, wherein the transaction request comprises transaction information, product basic information of the target product and basic information of the client;

Acquiring a preset target transaction file of the target product according to the product basic information, wherein the target transaction file is obtained by solidifying negotiable parameters corresponding to each negotiable parameter information to a preset transaction file of the target product, and the negotiable parameters corresponding to each negotiable parameter information are determined according to the basic information of the client;

if the type of the parameter corresponding to the business carried by the transaction request is a negotiable parameter type, acquiring a plurality of target negotiable parameters corresponding to the business from the target transaction file;

and determining the charge for transacting the business according to the target negotiable parameters and the transaction information.

Optionally, the process of the preset target transaction file includes:

acquiring a preset transaction file of the target product, wherein the transaction file comprises basic information of the client and basic information of the target product;

acquiring preset product information of the target product according to the product basic information, wherein the product information at least comprises a plurality of negotiable parameter information;

And acquiring negotiable parameters corresponding to each negotiable parameter information, and solidifying each negotiable parameter to the transaction file to obtain a target transaction file, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to the basic information of the client.

Optionally, the plurality of target negotiable parameters include negotiable ID numbers and negotiable proportions of the target products, and determining the fee for transacting the service according to the plurality of target negotiable parameters and the transaction information includes:

Acquiring a preset first service handling condition matched with the negotiable ID number;

And if the transaction information meets the first service handling condition, determining the cost for handling the service according to the transaction information and the negotiable proportion.

Optionally, the method further comprises:

if the type of the parameters of the business carried by the transaction request is a non-negotiable parameter type, acquiring preset product information of the target product according to the product basic information, wherein the product information comprises a plurality of non-negotiable parameters;

Determining a plurality of target non-negotiable parameters corresponding to the service from the non-negotiable parameters, wherein each non-negotiable parameter is preset according to the basic information of the target product;

And determining the charge for transacting the business according to the target non-negotiable parameters and the transaction information.

Optionally, the plurality of target non-negotiable parameters include a non-negotiable ID number and a non-negotiable scale of the target product, and determining the fee for transacting the service according to the plurality of target non-negotiable parameters and the transaction information includes:

Acquiring a preset second service handling condition matched with the non-negotiable ID number;

And if the transaction information meets the second service handling condition, determining the cost for handling the service according to the transaction information and the non-negotiable proportion.

Optionally, the solidifying each negotiable parameter to the transaction file to obtain a target transaction file includes:

Solidifying each negotiable parameter and each non-negotiable parameter to the transaction file to obtain a target transaction file;

The determining a plurality of target non-negotiable parameters corresponding to the service from the non-negotiable parameters comprises:

and acquiring a plurality of target non-negotiable parameters corresponding to the business from the non-negotiable parameters of the target transaction file.

The second aspect of the present invention discloses a service handling apparatus, the apparatus comprising:

the first receiving unit is used for receiving a transaction request of a target product sent by a client, wherein the transaction request comprises transaction information, product basic information of the target product and basic information of the client;

The first acquisition unit is used for acquiring a preset target transaction file of the target product according to the product basic information, wherein the target transaction file is obtained by solidifying negotiable parameters corresponding to each negotiable parameter information to a preset transaction file of the target product, and the negotiable parameters corresponding to each negotiable parameter information are determined according to the basic information of the client;

the second obtaining unit is used for obtaining a plurality of target negotiable parameters corresponding to the business from the target transaction file if the type of the parameters corresponding to the business carried by the transaction request is a negotiable parameter type;

And the first determining unit is used for determining the expense for transacting the business according to the target negotiable parameters and the transaction information.

Optionally, the process of the preset target transaction file includes:

a third obtaining unit, configured to obtain a preset transaction file of the target product, where the transaction file includes basic information of the client and product basic information of the target product;

A fourth obtaining unit, configured to obtain preset product information of the target product according to the product basic information, where the product information at least includes a plurality of negotiable parameter information;

The first solidifying unit is used for acquiring negotiable parameters corresponding to each negotiable parameter information and solidifying each negotiable parameter to the transaction file to obtain a target transaction file, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to the basic information of the client.

Optionally, the plurality of target negotiable parameters include negotiable ID numbers and negotiable proportions of the target products, and the first determining unit includes:

A fifth obtaining unit, configured to obtain a preset first service handling condition that matches the negotiable ID number;

And the second determining unit is used for determining the expense for transacting the business according to the transaction information and the negotiable proportion if the transaction information meets the first business transacting condition.

Optionally, the apparatus further includes:

a sixth obtaining unit, configured to obtain preset product information of the target product according to the product basic information if the type of the service parameter carried by the transaction request is a non-negotiable parameter type, where the product information preferably includes a plurality of non-negotiable parameters;

A third determining unit configured to determine a plurality of target non-negotiable parameters corresponding to the service from the respective non-negotiable parameters, where each non-negotiable parameter is preset according to product basic information of the target product;

and a fourth determining unit configured to determine a fee for transacting the service according to the plurality of target non-negotiable parameters and the transaction information.

The invention provides a business processing method and a business processing device, which are used for generating a transaction file of a target product in advance according to product basic information of the target product purchased by a customer and basic information of the customer, and determining negotiable parameters of negotiable parameter information related to the target product according to the basic information of the customer so as to solidify negotiable parameters corresponding to the negotiable parameter information into the transaction file of the target product to obtain the target transaction file of the target product, and generating corresponding transaction files according to a plurality of parameters configured for the target product in advance by a technician without manual work, thereby improving the efficiency and accuracy of generating the final transaction file of the target product. When a transaction request of a target product sent by a client is received, a target transaction file of the target product is obtained according to product basic information of the target product carried by the transaction request of the target product, and under the condition that the type of a parameter corresponding to a service carried by the transaction request is a negotiable parameter type, a plurality of target negotiable parameters corresponding to the service are obtained from the target transaction file so as to determine the cost of transacting the service according to the plurality of target negotiable parameters and the transaction information.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.

Fig. 1 is a flow chart of a method for setting a target transaction file of a target product according to an embodiment of the present invention;

FIG. 2 is a block diagram of an agricultural banking credit card core system provided by an embodiment of the invention;

Fig. 3 is a flowchart illustrating a method for setting a target transaction file of another target product according to an embodiment of the present invention;

fig. 4 is a schematic flow chart of a service processing method according to an embodiment of the present invention;

fig. 5 is a schematic flow chart of another service processing method according to an embodiment of the present invention;

fig. 6 is a flow chart of another service processing method according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a service processing device according to an embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

In the present disclosure, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises an element.

Referring to fig. 1, a flow chart of a method for setting a target transaction file of a target product according to an embodiment of the present invention is shown, the method includes the following steps:

s101: and acquiring a preset transaction file of the target product, wherein the transaction file comprises basic information of a client and basic information of the target product.

In the specific execution of step S101, the business person uploads the basic information provided by the customer and the basic information of the product related to the product purchased by the customer (for convenience of distinction, the product purchased by the customer is referred to as the target product) to the agricultural bank credit card core system, so that the contract management unit in the agricultural bank credit card core system generates the transaction file of the target product according to the received basic information of the customer and the basic information of the product of the target product, so as to generate the target transaction file of the target product according to the transaction file of the target product.

It should be noted that, the product purchased by the customer may be a credit card, the product basic information includes at least a credit card number, a product type, etc., and the customer basic information includes at least a customer name, an identification card number of the customer, a customer grade, etc.

S102: and acquiring preset product information of the target product according to the product basic information, wherein the product information at least comprises a plurality of negotiable parameter information.

In step S102, product information related to each product is preset for each product by a product management unit in the agricultural bank credit card system, where the product information includes at least a plurality of negotiable parameter information, so that when a customer purchases a corresponding product, a business person can negotiate negotiable parameters corresponding to each negotiable parameter information according to the basic information of the customer.

In the embodiment of the present application, the negotiable parameter information may be simple negotiable parameter information and complex negotiable parameter information.

It should be noted that, the simple negotiable parameter information includes negotiable parameter names and negotiable parameter proportion ranges, for example, the simple negotiable parameter information may be consumption interest rate simple negotiable parameter information, withdrawal interest rate simple negotiable parameter information, etc., the consumption interest rate simple negotiable parameter information includes negotiable parameter names that are consumption interest rates, and the negotiable parameter proportion ranges may be 1% -5%; the negotiable parameter name included in the negotiable parameter information with simple negotiable rate is the negotiable rate, and the proportion range of negotiable parameters can be 1% -6%. The configuration may be performed according to practical applications, and the embodiment of the present application is not limited.

It should be noted that the complex negotiable parameter information includes negotiable parameter names and negotiable ID number ranges. For example, the complex negotiable parameter information may be consumption interest rate complex negotiable parameter information, withdrawal interest rate complex negotiable parameter information, etc., the negotiable parameter name included in the consumption interest rate complex negotiable parameter information is consumption interest rate, and the negotiable ID number range may be negotiable ID number 1000-negotiable ID number 10003; the negotiable parameter name included in the negotiable parameter information with complex negotiable interest rate is the negotiable interest rate, and the negotiable ID number range may be negotiable ID numbers 1100 to 1103.

Further, a service handling condition corresponding to each negotiable ID number in the negotiable ID number range is preset (for convenience of distinction, a service handling condition corresponding to a negotiable ID number is referred to as a first service handling condition). For example, the negotiable parameter name included in the negotiable parameter information with complex negotiable interest rate is the negotiable interest rate, and the negotiable ID number range may be negotiable ID numbers 1100 to 1103; the first service handling condition corresponding to the negotiable ID number 1100 may be that the cash amount is not more than 5000 yuan, and the first service handling condition corresponding to the negotiable ID number 1101 may be that the cash amount is not more than 10000 yuan; the first service handling condition corresponding to the negotiable ID number 1102 may be that the cash amount must not exceed 15000 yuan; the first service transaction condition corresponding to the negotiable ID number 1103 may be that the cash amount must not exceed 20000 yuan.

In the specific execution of step S102, after the contract management unit in the agricultural bank credit card core system acquires the transaction file of the target product, the product management unit in the agricultural bank credit card core system acquires preset product information of the target product according to the product basic information in the transaction file of the target product, where the product information at least includes a plurality of negotiable parameter information.

S103: and acquiring negotiable parameters corresponding to each negotiable parameter information, and solidifying each negotiable parameter to the transaction file to obtain a target transaction file, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to the basic information of the client.

In the embodiment of the application, when the negotiable parameters corresponding to each negotiable parameter information can be negotiated according to the basic information of the client, specifically, the negotiable parameters corresponding to each negotiable parameter information can be negotiated according to the client grade in the basic information of the client, and the higher the client grade is, the more favorable the negotiable parameters corresponding to each negotiable parameter information are for the client. The client level may be VVIP clients, VIP clients, and general clients, among others.

For example, the negotiable parameter name included in the negotiable parameter information with simple rate of getting the cash is the rate of getting the cash, the negotiable proportion range can be 0.01% -0.3%, if the client grade of the client is VVIP clients, the negotiable parameter corresponding to the negotiable parameter information with simple rate of getting the cash can be 1%, that is, if the client takes 1000 yuan, the client only needs to deduct the commission of 0.1 yuan; if the client class of the client is a common client, the negotiable parameters corresponding to the negotiable parameter information of the negotiable rate may be 3%, that is, if the client takes 1000 yuan, the handling fee of 3 money is deducted.

The negotiable parameter name included in the negotiable parameter information with complex negotiable interest rate is the negotiable interest rate, and the negotiable ID number range can be from negotiable ID number 1100 to negotiable ID number 1103; the first service handling condition corresponding to the negotiable ID number 1100 may be that the cash amount is not more than 5000 yuan, and the first service handling condition corresponding to the negotiable ID number 1101 may be that the cash amount is not more than 10000 yuan; the first service handling condition corresponding to the negotiable ID number 1102 may be that the cash amount must not exceed 15000 yuan; the first service transaction condition corresponding to the negotiable ID number 1103 may be that the cash amount must not exceed 20000 yuan.

If the client class of the client is VVIP clients, the negotiable parameters corresponding to the negotiable parameter information with complex negotiable rate can be negotiable ID number 1103, that is, the client can take 20000 yuan at most; if the client class of the client is a common client, the negotiable parameter corresponding to the negotiable parameter information with complex negotiable rate may be negotiable ID number 1101, that is, the client may take 10000 yuan at most.

The foregoing is merely a preferred manner of negotiating negotiable parameters corresponding to each negotiable parameter information provided by the embodiments of the present application, and the specific manner of negotiating negotiable parameters corresponding to each negotiable parameter information may be set according to practical applications, which is not limited by the embodiments of the present application.

In the specific execution process of step S103, after obtaining the product information of the target product, the contract management unit in the agricultural bank credit card core system determines each negotiable parameter information in the product information, so as to obtain negotiable parameters corresponding to each negotiable parameter information, and further, solidifies each negotiable parameter to the transaction file, so as to obtain the target transaction file.

In the embodiment of the application, the transaction file of the target product can be generated in advance according to the basic information of the product of the target product purchased by the customer and the basic information of the customer, and the negotiable parameters of each negotiable parameter information related to the target product are determined according to the basic information of the customer, so that the negotiable parameters corresponding to each negotiable parameter information are solidified into the transaction file of the target product to obtain the target transaction file of the target product, and the corresponding transaction file is not required to be generated manually according to a plurality of parameters configured for the target product in advance by a technician, thereby improving the efficiency and accuracy of generating the final transaction file of the target product.

Referring to fig. 3, a flow chart of a method for setting a target transaction file of another target product according to an embodiment of the present invention is shown, and the method specifically includes the following steps:

S301: and acquiring a preset transaction file of the target product, wherein the transaction file comprises basic information of a client and basic information of the target product.

In the process of specifically executing step S301, the specific execution process and implementation principle of step S301 are the same as those of step S101 in fig. 1 disclosed in the present invention, and reference may be made to the corresponding parts of fig. 1 disclosed in the present invention, and the detailed description thereof will not be repeated.

S302: product information of a preset target product is obtained according to the product basic information, wherein the product information comprises a plurality of negotiable parameter information and a plurality of non-negotiable parameters.

In step S302, product information related to each product, which includes a plurality of negotiable parameter information and a plurality of non-negotiable parameters, may be preset for each product by a product management unit in the agricultural banking credit card system. Wherein, each non-negotiable parameter related to the product is preset according to the product basic information of the product, the negotiable parameter corresponding to each negotiable parameter information is determined according to the basic information of the client, and the specific process of negotiating the negotiable parameter corresponding to each negotiable parameter information according to the basic information of the client can be referred to step S102 in fig. 1 disclosed in the present invention, which is not repeated herein.

It should be noted that, the product basic information of the product at least includes a product type, and the product type may be a personal card type, a business card type, and the like; the non-negotiable parameters associated with the product may be a non-negotiable ID number for the stage cost, a non-negotiable ID number for the non-negotiable scale management class cost for the stage cost, a non-negotiable scale for the management cost, and so forth.

In step S302, non-negotiable parameters associated with a product may be preset according to the product type of the product. For example, if the product type of the product is a business card type, the preset stage fee related to the product may be 0.5% of the total amount collected in stage 3, 1% of the total amount collected in stage 6, etc., and the preset management fee related to the product may be 100 yuan per year; if the product type of the product is a personal card type, the preset stage fee related to the product may be 0.1% of the total amount collected in stage 3, 0.3% of the total amount collected in stage 6, etc., and the preset management fee related to the product may be 3 yuan per year.

It should be further noted that, after a plurality of non-negotiable parameters related to the product are preset according to the product basic information of the product, if the non-negotiable parameters related to the product are to be changed, the technician can only change the non-negotiable parameters related to the product through the product management unit in the agricultural bank credit card system, and the business personnel cannot change the non-negotiable parameters related to the product.

In the process of specifically executing step S302, after acquiring the transaction file of the target product, the contract management unit in the agricultural bank credit card core system acquires preset product information of the target product from the product management unit in the agricultural bank credit card core system according to the product basic information in the transaction file of the target product, where the product information includes a plurality of negotiable parameter information and a plurality of non-negotiable parameters.

S303: and acquiring negotiable parameters corresponding to each negotiable parameter information, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to the basic information of the client.

In the process of specifically executing step S303, the specific execution process and implementation principle of step S303 are the same as the specific execution process and implementation principle of step S103 in fig. 1 disclosed in the present invention, and reference may be made to the corresponding parts of fig. 1 disclosed in the present invention, which are not described herein again.

S304: and solidifying each negotiable parameter and each non-negotiable parameter to the transaction file to obtain a target transaction file.

In the specific execution of step S304, after obtaining the multiple negotiable parameters and the multiple non-negotiable parameters related to the target product, each negotiable parameter and each non-negotiable parameter are solidified to the transaction file, so as to obtain the target transaction file.

In the embodiment of the application, the transaction file of the target product can be generated in advance according to the basic information of the product of the target product purchased by the customer and the basic information of the customer, the negotiable parameters of each negotiable parameter information related to the target product can be determined according to the basic information of the customer, and a plurality of negotiable parameters preset according to the basic information of the product of the target product are solidified to the transaction file to obtain the target transaction file, and the corresponding transaction file is not required to be generated manually according to a plurality of parameters configured for the target product in advance by a technician, so that the efficiency and the accuracy of generating the final transaction file of the target product are improved.

Referring to fig. 4, a flow chart of a service processing method provided by the embodiment of the invention is shown, the service processing method is applied to an agricultural bank credit card core system, and the service processing method specifically comprises the following steps:

S401: and receiving a transaction request of a target product sent by a client, wherein the transaction request comprises transaction information, product basic information of the target product and basic information of the client.

In the process of specifically executing step S401, the agricultural bank credit card core system receives, through the message service unit, a transaction request sent by the customer when using the target product, where the transaction request includes at least a service transacted by the customer using the target product, transaction information, product basic information of the target product, and basic information of the customer.

If the customer uses the target product to transact the money withdrawing service, the transaction information may be the money withdrawing amount when the customer uses the target product to transact the money withdrawing service.

S402: the method comprises the steps of obtaining a preset target transaction file of a target product according to basic information of the product, wherein the target transaction file is obtained by solidifying negotiable parameters corresponding to negotiable parameter information to the preset transaction file of the target product, and negotiable parameters corresponding to the negotiable parameter information are determined according to basic information of a client.

In the specific execution process of step S402, after receiving a transaction request sent by a customer when using a target product through a message service unit, the agricultural bank credit card core system acquires a preset target transaction file of the target product from a contract management unit according to product basic information in the transaction request.

The target transaction file is obtained by solidifying negotiable parameters corresponding to each negotiable parameter information into a transaction file of a preset target product, wherein negotiable parameters corresponding to each negotiable parameter information are determined according to basic information of a client, and the preset target transaction file method can be referred to the above-mentioned method for setting target transaction file of the target product disclosed in fig. 1 of the present invention, and will not be described herein.

S403: if the type of the parameter corresponding to the business carried by the transaction request is the negotiable parameter type, a plurality of target negotiable parameters corresponding to the business are obtained from the target transaction file.

In the specific execution of step S403, after the agricultural bank credit card core system receives, through the message service unit, a transaction request sent by a customer when using a target product, a type of a parameter corresponding to the service may be determined according to a service carried by the transaction request, and in a case where the type of the parameter corresponding to the service is a negotiable parameter type, a plurality of target negotiable parameters corresponding to the service may be obtained from the obtained target transaction file of the target product, where the plurality of target negotiable parameters include negotiable ID numbers and negotiable proportions of the target product.

For example, if the business transacted by the customer using the target product is a withdrawal business, the parameter corresponding to the business can be determined to be the withdrawal interest rate, and then the type negotiable parameter type of the parameter of the business can be determined, and a plurality of target negotiable parameters corresponding to the withdrawal business are obtained from the target transaction file of the target product.

S404: and determining the charge for transacting business according to the negotiable parameters of the targets and the transaction information.

In the specific execution of step S404, the agricultural bank credit card core system sends the acquired parameters to the fee pricing unit after acquiring the target negotiable parameters corresponding to the business through the message service unit, so that the fee pricing unit acquires a preset first business handling condition matched with the negotiable ID number according to the negotiable ID number in the target negotiable parameters, judges whether the transaction information meets the first business handling condition, and calculates the fee for handling the business according to negotiable proportions in the transaction information and the target negotiable parameters under the condition that the transaction information meets the first business handling condition.

The invention provides a business processing method, which is used for generating a transaction file of a target product in advance according to product basic information of the target product purchased by a customer and basic information of the customer, determining negotiable parameters of negotiable parameter information related to the target product according to the basic information of the customer, so that negotiable parameters corresponding to the negotiable parameter information are solidified into the transaction file of the target product to obtain the target transaction file of the target product, and generating corresponding transaction files according to a plurality of parameters configured for the target product in advance by a technician without manual work, thereby improving the efficiency and accuracy of generating the final transaction file of the target product. When a transaction request of a target product sent by a client is received, a target transaction file of the target product is obtained according to product basic information of the target product carried by the transaction request of the target product, and under the condition that the type of a parameter corresponding to a service carried by the transaction request is a negotiable parameter type, a plurality of target negotiable parameters corresponding to the service are obtained from the target transaction file so as to determine the cost of transacting the service according to the plurality of target negotiable parameters and the transaction information.

For a better understanding of the foregoing, examples are provided below.

The business personnel upload basic information (the client grade is VVIP clients) provided by the client 1 and basic information of products related to target products purchased by the client 1 to the agricultural bank credit card core system, so that a contract management unit in the agricultural bank credit card core system generates a transaction file of the Huinong credit card according to the received basic information of the client 1 and the basic information of the products of the target products.

The product management unit in the agricultural bank credit card system sets consumption interest rate negotiable parameter information, cash taking interest rate negotiable parameter information and the like for a target product according to the prior. The consumption interest rate negotiable parameter information comprises consumption interest rate simple negotiable parameter information and consumption interest rate complex negotiable parameter information, the negotiable parameter names included in the consumption interest rate simple negotiable parameter information are 0.01% -0.3% of the ratio range of the consumption interest rate and the negotiable parameter, and the negotiable parameter names included in the consumption interest rate complex negotiable parameter information are negotiable ID numbers 1000-10003.

The first service handling condition corresponding to the negotiable ID number 1000 may be that the consumption amount does not exceed 5000 yuan, and the first service handling condition corresponding to the negotiable ID number 1001 may be that the consumption amount does not exceed 10000 yuan; the first service handling condition corresponding to the negotiable ID number being negotiable ID number 1002 may be that the consumption amount must not exceed 15000 yuan; the first service handling condition corresponding to the negotiable ID number being negotiable ID number 1003 may be that the consumption amount must not exceed 20000 yuan.

If the client class of the client is a common client, the negotiable parameter corresponding to the consumption interest rate negotiable parameter information is negotiable ID number is negotiable ID1001, and negotiable proportion is 0.3%; if the client class of the client is VIP client, the negotiable parameter corresponding to the consumption interest rate negotiable parameter information is negotiable ID number which is negotiable ID1002, and the negotiable proportion is 0.15%; if the client class is VVIP clients, the negotiable parameter corresponding to the consumption interest rate negotiable parameter information is negotiable ID number 1003, and the negotiable proportion is 0.01%.

The negotiable parameter information of the odds and advantages rate comprises simple negotiable parameter information of the odds and complex negotiable parameter information of the odds and advantages rate, the negotiable parameter name included in the simple negotiable parameter information of the odds and advantages rate, and the proportion range of negotiable parameters can be 0.05% -0.3%. The negotiable parameter name included in the negotiable parameter information with complex negotiable interest rate is the negotiable interest rate, and the negotiable ID range may be negotiable ID number 1100 to negotiable ID number 1103.

The service handling condition corresponding to the negotiable ID number 1100 may be that the cash amount is not more than 5000 yuan, and the service handling condition corresponding to the negotiable ID number 1101 may be that the cash amount is not more than 10000 yuan; the service handling condition corresponding to the negotiable ID number 1102 may be that the cash amount must not exceed 15000 yuan; the negotiable ID number may be a negotiable ID number 1103, and the service transaction condition corresponding to the negotiable ID number may be that the cash amount must not exceed 20000 yuan.

If the client class of the client is a common client, the negotiable parameter corresponding to the negotiable parameter information of the withdrawal interest rate is negotiable ID number 1101, and the negotiable proportion is 0.3%; if the client level of the client is VIP client, the negotiable parameter corresponding to the negotiable parameter information of the withdrawal interest rate is negotiable ID1102, and the negotiable proportion is 0.2%; if the client class is VVIP clients, the negotiable parameter corresponding to the negotiable parameter information of the withdrawal interest rate is negotiable ID number 1103, and the negotiable proportion is 0.06%.

Since the client level indicated in the basic information of the client 1 is VVIP clients, it can be determined that the negotiable parameter corresponding to the consumption interest rate negotiable parameter information is negotiable ID number 1003 and negotiable proportion is 0.01% according to the basic information of the client 1 (VIP client); the negotiable parameter corresponding to the negotiable parameter information of the withdrawal interest rate can be determined to be negotiable ID number 1103, and the negotiable proportion is 0.0.6%; and solidifying negotiable parameters corresponding to the consumption interest rate negotiable parameter information and negotiable parameters corresponding to the withdrawal interest rate negotiable parameter information into a transaction file to obtain a Huinong credit card (target product) target transaction file.

When a transaction request of a target product sent by a client 1 is received, a target transaction file of the target product is obtained according to product basic information of the target product carried in the transaction request.

If the service requested to be transacted by the client 1 is a cash service, it may be determined that the parameter corresponding to the service (cash service) is a negotiable parameter type, and then a plurality of target negotiable parameters (negotiable ID numbers 1103, negotiable proportions of 0.01%) corresponding to the service (cash service) are obtained from the target transaction file.

If the transaction information carried by the transaction request is 1000 yuan, it can be determined that the transaction information meets the first service handling condition corresponding to the negotiable ID number 1103, and then the fee for handling the service (the cash taking service) is determined to be 0.1 yuan according to the transaction information and the negotiable proportion.

Referring to fig. 5, a flow chart of another service processing method provided by the embodiment of the invention is shown, the service processing method is applied to an agricultural bank credit card core system, and the service processing method specifically includes the following steps:

s501: and receiving a transaction request of a target product sent by a client, wherein the transaction request comprises transaction information, product basic information of the target product and basic information of the client.

In the process of specifically executing step S501, the agricultural bank credit card core system receives, through the message service unit, a transaction request sent by the customer when using the target product, where the transaction request includes at least a service transacted by the customer using the target product, transaction information, product basic information of the target product, and basic information of the customer.

S502: judging whether the type of the parameter corresponding to the business carried by the transaction request is a negotiable parameter type or not; if yes, go to step S503; if not, go to step S506.

In the specific execution of step S503, after receiving, by the agricultural bank credit card core system, a transaction request sent by a customer when using a target product through the message service unit, determining whether a type of a parameter corresponding to a service carried by the transaction request is a negotiable parameter type, if the type of the parameter corresponding to the service carried by the transaction request is a negotiable parameter type, acquiring a target transaction file of a preset target product according to basic information of the product, so as to acquire a plurality of target negotiable parameters corresponding to the service from the target transaction file, and determining a fee for transacting the service according to the plurality of target negotiable parameters and transaction information.

If the type of the parameter corresponding to the service carried by the transaction request is not the negotiable parameter type, it may be determined that the type of the parameter corresponding to the service is the non-negotiable parameter type, and step S506 is performed.

S503: the method comprises the steps of obtaining a preset target transaction file of a target product according to basic information of the product, wherein the target transaction file is obtained by solidifying negotiable parameters corresponding to negotiable parameter information to the preset transaction file of the target product, and negotiable parameters corresponding to the negotiable parameter information are determined according to basic information of a client.

S504: and acquiring a plurality of target negotiable parameters corresponding to the business from the target transaction file.

S505: and determining the charge for transacting business according to the negotiable parameters of the targets and the transaction information.

In the process of specifically executing steps S503 to S505, the specific execution and implementation principles of steps S503 to S505 are the same as those of steps S402 to S404 in fig. 4 disclosed in the present invention, and reference may be made to the corresponding parts of fig. 4 disclosed in the present invention, and the detailed description thereof will be omitted herein.

S506: and acquiring preset product information of the target product according to the product basic information, wherein the product information comprises a plurality of non-negotiable parameters.

In the specific execution of step S506, the agricultural bank credit card core system determines that the type of the parameter corresponding to the service carried by the transaction request is not a negotiable parameter type through the message service unit, and may determine that the type of the parameter corresponding to the service is a negotiable parameter type, and obtains product information of the target product from the product management unit, so as to determine a plurality of target negotiable parameters corresponding to the service carried by the transaction request from the obtained non-negotiable parameters of the product information.

S507: and determining a plurality of target non-negotiable parameters corresponding to the service from the non-negotiable parameters, wherein each non-negotiable parameter is preset according to the basic information of the target product.

In the specific execution of step S507, the agricultural bank credit card core system determines a plurality of target non-negotiable parameters corresponding to the service from the non-negotiable parameters after obtaining the product information of the target product through the message service unit.

The specific process of presetting the non-negotiable parameters related to the target product according to the product basic information of the target product can be referred to the specific process of presetting the non-negotiable parameters related to the target product according to the product basic information of the target product in step S302 in fig. 3 disclosed in the present invention, which is referred to above, and is not described herein.

S508: and determining the charge for transacting business according to the target non-negotiable parameters and the transaction information.

In the process of specifically executing step S508, the agricultural bank credit card core system sends the acquired parameters to the fee pricing unit after acquiring the target non-negotiable parameters corresponding to the service through the message service unit, so that the fee pricing unit acquires preset service handling conditions (for convenience of distinction, the acquired service handling conditions are referred to as second service handling conditions) matched with the non-negotiable ID numbers according to the non-negotiable ID numbers in the target non-negotiable parameters, and judges whether the transaction information meets the second service handling conditions, and if the transaction information meets the second service handling conditions, calculates the fee for handling the service according to the transaction information and the non-negotiable proportion in the target negotiable parameters.

In the embodiment of the application, when a transaction request of a target product sent by a client is received, judging whether the type of a parameter corresponding to a service carried by the transaction request is a negotiable parameter type, determining that the type of the parameter corresponding to the service is a non-negotiable parameter type when the type of the parameter corresponding to the service carried by the transaction request is not a negotiable parameter type, and acquiring product information of the target product from a product management unit so as to determine a plurality of target non-negotiable parameters corresponding to the service carried by the transaction request from each non-negotiable parameter of the acquired product information, and further determining the expense for handling the service according to the plurality of target non-negotiable parameters and the transaction information.

Referring to fig. 6, a flow chart of another service processing method provided by the embodiment of the present invention is shown, and the method specifically includes the following steps:

s601: and receiving a transaction request of a target product sent by a client, wherein the transaction request comprises transaction information, product basic information of the target product and basic information of the client.

S602: the method comprises the steps of obtaining a preset target transaction file of a target product according to basic information of the product, wherein the target transaction file is obtained by solidifying negotiable parameters corresponding to each negotiable parameter information and a plurality of non-negotiable parameters to the preset transaction file of the target product, the negotiable parameters corresponding to each negotiable parameter information are determined according to basic information of a client, and each non-negotiable parameter is preset according to the basic information of the product.

In the specific execution of step S602, after receiving, by the agricultural bank credit card core system through the message service unit, a transaction request sent by a customer when using a target product, a preset target transaction file of the target product is obtained from the contract management unit according to product basic information in the transaction request.

The target transaction file is obtained by solidifying negotiable parameters corresponding to each negotiable parameter information and a plurality of non-negotiable parameters to a transaction file of a preset target product, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to basic information of a client, each non-negotiable parameter is preset according to basic information of the product, and the preset target transaction file method can be referred to the above-mentioned setting method of the target transaction file of another target product disclosed in fig. 2 of the present invention, and will not be described herein.

S603: judging whether the type of the parameter corresponding to the business carried by the transaction request is a negotiable parameter type or not; if yes, go to step S604; if not, go to step S606.

In the specific execution of step S603, after receiving, by the agricultural bank credit card core system, a transaction request sent by a customer when using a target product through the message service unit, determining whether a type of a parameter corresponding to a service carried by the transaction request is a negotiable parameter type, if the type of the parameter corresponding to the service carried by the transaction request is a negotiable parameter type, acquiring a plurality of target negotiable parameters corresponding to the service from a target transaction file, and determining a fee for transacting the service according to the plurality of target negotiable parameters and transaction information.

If the type of the parameter corresponding to the service carried by the transaction request is not the negotiable parameter type, the type of the parameter corresponding to the service can be determined to be the negotiable parameter type, a plurality of target negotiable parameters corresponding to the service are obtained from the target transaction file, and the cost for transacting the service is determined according to the plurality of target negotiable parameters and the transaction information.

S604: and acquiring a plurality of target negotiable parameters corresponding to the business from the target transaction file.

S605: and determining the charge for transacting business according to the negotiable parameters of the targets and the transaction information.

In the process of specifically executing the steps S604 to S605, the specific execution and implementation principles of the steps S604 to S605 are the same as those of the steps S403 to S404 in fig. 4 disclosed in the present invention, and reference may be made to the corresponding parts of fig. 4 disclosed in the present invention, and the detailed description thereof will be omitted herein.

S606: and acquiring a plurality of target non-negotiable parameters corresponding to the service from the non-negotiable parameters of the target transaction file, wherein each non-negotiable parameter is preset according to the basic information of the target product.

In the process of executing step S606, when the agricultural bank credit card core system determines that the type of the parameter corresponding to the business carried by the transaction request is not the negotiable parameter type through the message service unit, the agricultural bank credit card core system acquires a plurality of target negotiable parameters corresponding to the business from the target transaction file, and determines the expense for transacting the business according to the plurality of target negotiable parameters and the transaction information

S607: and determining the charge for transacting business according to the target non-negotiable parameters and the transaction information.

In the process of specifically executing step S607, the specific execution process and implementation principle of step S607 are the same as those of step S508 in fig. 5 disclosed in the above-mentioned invention, and reference may be made to the corresponding parts of fig. 5 disclosed in the above-mentioned invention, and the detailed description is omitted here.

In the embodiment of the application, when a transaction request of a target product sent by a client is received, a target transaction file of a preset target product is acquired according to product basic information, whether the type of a parameter corresponding to a service carried by the transaction request is a negotiable parameter type is judged, a plurality of target negotiable parameters corresponding to the service are acquired from the target transaction file under the condition that the type of the parameter corresponding to the service carried by the transaction request is a negotiable parameter type, and the expense for transacting the service is determined according to the plurality of target negotiable parameters and transaction information; and acquiring a plurality of target cluster negotiable parameters corresponding to the service from the target transaction file when the type of the parameters corresponding to the service carried by the transaction request is not the negotiable parameter type, and further determining the cost for transacting the service according to the plurality of target non-negotiable parameters and the transaction information.

Based on the service processing method provided by the embodiment of the present invention, correspondingly, the embodiment of the present invention further provides a service processing device, referring to fig. 7, which shows a schematic structural diagram of the service processing device provided by the embodiment of the present invention, where the service processing device includes:

a first receiving unit 71 for receiving a transaction request of a target product sent by a customer, the transaction request including transaction information, product basic information of the target product, and basic information of the customer;

A first obtaining unit 72, configured to obtain a target transaction file of a preset target product according to product basic information, where the target transaction file is obtained by solidifying negotiable parameters corresponding to each negotiable parameter information to a transaction file of the preset target product, and negotiable parameters corresponding to each negotiable parameter information are determined according to basic information of a client;

a second obtaining unit 73, configured to obtain, from a target transaction file, a plurality of target negotiable parameters corresponding to the service if the type of the parameter corresponding to the service carried by the transaction request is a negotiable parameter type;

a first determining unit 74 for determining the cost of transacting business based on the plurality of target negotiable parameters and the transaction information.

The specific principle and execution process of each unit in the service processing device disclosed in the above embodiment of the present invention are the same as those of the service processing method disclosed in the above embodiment of the present invention, and may refer to corresponding parts in the service processing method disclosed in the above embodiment of the present invention, and will not be described in detail here.

The invention provides a business processing device, which generates a transaction file of a target product in advance according to basic information of the product purchased by a customer and basic information of the customer, and determines negotiable parameters of negotiable parameter information related to the target product according to the basic information of the customer, so that negotiable parameters corresponding to the negotiable parameter information are solidified into the transaction file of the target product to obtain the target transaction file of the target product, and a plurality of parameters configured for the target product in advance by a technician are not needed to generate corresponding transaction files, thereby improving the efficiency and accuracy of generating the final transaction file of the target product. When a transaction request of a target product sent by a client is received, a target transaction file of the target product is obtained according to product basic information of the target product carried by the transaction request of the target product, and under the condition that the type of a parameter corresponding to a service carried by the transaction request is a negotiable parameter type, a plurality of target negotiable parameters corresponding to the service are obtained from the target transaction file so as to determine the cost of transacting the service according to the plurality of target negotiable parameters and the transaction information.

Preferably, the process of the preset target transaction file comprises the following steps:

The third acquisition unit is used for acquiring a preset transaction file of the target product, wherein the transaction file comprises basic information of a client and basic information of the target product;

a fourth obtaining unit, configured to obtain product information of a preset target product according to product basic information, where the product information at least includes a plurality of negotiable parameter information;

The first solidifying unit is used for acquiring negotiable parameters corresponding to each negotiable parameter information and solidifying each negotiable parameter to the transaction file to obtain a target transaction file, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to the basic information of the client.

Preferably, the plurality of target negotiable parameters include negotiable ID numbers and negotiable proportions of the target products, and the first determining unit includes:

A fifth obtaining unit, configured to obtain a preset first service handling condition that matches with the negotiable ID number;

And the second determining unit is used for determining the charge for transacting the business according to the transaction information and the negotiable proportion if the transaction information meets the first business transacting condition.

Further, the service processing device provided by the embodiment of the present application further includes:

a sixth obtaining unit, configured to obtain product information of a preset target product according to the product basic information if the type of the service parameter carried by the transaction request is a non-negotiable parameter type, where the product information preferably includes a plurality of non-negotiable parameters;

A third determining unit configured to determine a plurality of target non-negotiable parameters corresponding to the service from among the non-negotiable parameters, where each non-negotiable parameter is preset according to product basic information of the target product;

And the fourth determining unit is used for determining the charge for transacting business according to the target non-negotiable parameters and the transaction information.

Preferably, the plurality of target non-negotiable parameters include a non-negotiable ID number and a non-negotiable scale of the target product, and the fee for transacting the business is determined based on the plurality of target non-negotiable parameters and the transaction information, and the fourth determining unit includes:

A seventh obtaining unit, configured to obtain a preset second service handling condition that matches with the non-negotiable ID number;

and a fifth determining unit, configured to determine a fee for transacting the service according to the transaction information and the non-negotiable ratio if the transaction information meets the second service transacting condition.

Preferably, the first curing unit includes:

the second solidifying unit is used for solidifying each negotiable parameter and each non-negotiable parameter to the transaction file to obtain a target transaction file;

The third determining unit is further configured to obtain a plurality of target non-negotiable parameters corresponding to the service from the respective non-negotiable parameters of the target transaction file.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

The foregoing is merely a preferred embodiment of the present invention and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present invention, which are intended to be comprehended within the scope of the present invention.

Claims (6)

1. A method of service processing, the method comprising:

receiving a transaction request of a target product sent by a client, wherein the transaction request comprises transaction information, product basic information of the target product and basic information of the client;

Acquiring a preset target transaction file of the target product according to the product basic information, wherein the preset target transaction file comprises the following steps: acquiring a preset transaction file of the target product, wherein the transaction file comprises basic information of the client and basic information of the target product; acquiring preset product information of the target product according to the product basic information, wherein the product information at least comprises a plurality of negotiable parameter information and a plurality of non-negotiable parameters, and each non-negotiable parameter is determined according to the product type in the product basic information of the product; obtaining negotiable parameters corresponding to each negotiable parameter information, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to the client grade in the basic information of the client; solidifying each negotiable parameter and each non-negotiable parameter to a transaction file to obtain a target transaction file;

If the type of the parameter corresponding to the business carried by the transaction request is a negotiable parameter type, acquiring a plurality of target negotiable parameters corresponding to the business from the target transaction file; wherein the plurality of target negotiable parameters include negotiable ID numbers and negotiable proportions of the target product;

determining a fee for transacting the business according to the target negotiable parameters and the transaction information;

if the type of the parameters of the business carried by the transaction request is a non-negotiable parameter type, acquiring preset product information of the target product according to the product basic information, wherein the product information comprises a plurality of non-negotiable parameters;

Determining a plurality of target non-negotiable parameters corresponding to the service from the non-negotiable parameters;

And determining the charge for transacting the business according to the target non-negotiable parameters and the transaction information.

2. The method of claim 1, wherein determining a fee for transacting the business based on the plurality of target negotiable parameters and the transaction information comprises:

Acquiring a preset first service handling condition matched with the negotiable ID number;

And if the transaction information meets the first service handling condition, determining the cost for handling the service according to the transaction information and the negotiable proportion.

3. The method of claim 1, wherein the plurality of target non-negotiable parameters include a non-negotiable ID number and a non-negotiable scale for the target product, wherein determining a fee for transacting the business based on the plurality of target non-negotiable parameters and the transaction information comprises:

Acquiring a preset second service handling condition matched with the non-negotiable ID number;

And if the transaction information meets the second service handling condition, determining the cost for handling the service according to the transaction information and the non-negotiable proportion.

4. The method of claim 1, wherein said solidifying each of said negotiable parameters to said transaction file results in a target transaction file, comprising:

Solidifying each negotiable parameter and each non-negotiable parameter to the transaction file to obtain a target transaction file;

The determining a plurality of target non-negotiable parameters corresponding to the service from the non-negotiable parameters comprises:

and acquiring a plurality of target non-negotiable parameters corresponding to the business from the non-negotiable parameters of the target transaction file.

5. A business transaction apparatus, said apparatus comprising:

the first receiving unit is used for receiving a transaction request of a target product sent by a client, wherein the transaction request comprises transaction information, product basic information of the target product and basic information of the client;

The first obtaining unit is used for obtaining a preset target transaction file of the target product according to the product basic information, wherein the preset target transaction file comprises the following steps: a third obtaining unit, configured to obtain a preset transaction file of the target product, where the transaction file includes basic information of the client and product basic information of the target product; a fourth obtaining unit, configured to obtain preset product information of the target product according to the product basic information, where the product information includes at least a plurality of negotiable parameter information and a plurality of non-negotiable parameters, where each non-negotiable parameter is determined according to a product type in the product basic information of the product; the first solidification unit is used for acquiring negotiable parameters corresponding to each negotiable parameter information, wherein the negotiable parameters corresponding to each negotiable parameter information are determined according to the client grade in the basic information of the client; solidifying each negotiable parameter and each non-negotiable parameter to a transaction file to obtain a target transaction file;

The second obtaining unit is used for obtaining a plurality of target negotiable parameters corresponding to the business from the target transaction file if the type of the parameters corresponding to the business carried by the transaction request is a negotiable parameter type; wherein the plurality of target negotiable parameters include negotiable ID numbers and negotiable proportions of the target product;

A first determining unit configured to determine a fee for transacting the service according to the plurality of target negotiable parameters and the transaction information;

A sixth obtaining unit, configured to obtain preset product information of the target product according to the product basic information if the type of the service parameter carried by the transaction request is a non-negotiable parameter type, where the product information includes a plurality of non-negotiable parameters;

A third determining unit configured to determine a plurality of target non-negotiable parameters corresponding to the service from among the respective non-negotiable parameters;

and a fourth determining unit configured to determine a fee for transacting the service according to the plurality of target non-negotiable parameters and the transaction information.

6. The apparatus according to claim 5, wherein the first determining unit includes:

A fifth obtaining unit, configured to obtain a preset first service handling condition that matches the negotiable ID number;

And the second determining unit is used for determining the expense for transacting the business according to the transaction information and the negotiable proportion if the transaction information meets the first business transacting condition.