CN115082025A - A transaction approval method, apparatus, electronic device and computer-readable storage medium - Google Patents

Abstract

The embodiments of the present application disclose a transaction approval method, device, electronic device, and computer-readable storage medium; the method includes: receiving transaction information to be approved sent by an asynchronous message server; configuring an approval terminal for approval according to the transaction information to be approved Multiple approval modules for pending approval transaction information; determine multiple pending approval information on pending approval transaction information; send multiple pending approval information to corresponding approval modules for parallel approval; receive parallel approval results sent by the approval terminal; If the parallel approval result is approved, the parallel approval result will be synchronized to the related party; if the parallel approval result is the approval failed, the target pending approval information will be determined according to the parallel approval result, and the target pending approval information will be fed back to the manual review platform Review processing. By adopting the embodiments of the present application, the approval speed of a large batch of approval documents can be improved.

Description

A transaction approval method, device, electronic device and computer-readable storage medium

technical field

The present application relates to the field of data processing, and in particular, to a transaction approval method, apparatus, electronic device, and computer-readable storage medium.

Background technique

In recent years, when conducting risk approval, the approved documents are generally approved through each approval terminal in sequence, and finally the approval results of each module are summarized in order and sent to the approval center for confirmation.

However, with the increase in the volume of online transactions, the existing approval methods are slow in approving large batches of approval documents, and the efficiency is low, which cannot meet the needs of users.

SUMMARY OF THE INVENTION

Embodiments of the present application provide a transaction approval method, apparatus, electronic device, and computer-readable storage medium, which can improve the approval speed of a large batch of approval documents.

In a first aspect, an embodiment of the present application provides a transaction approval method, including:

Receive the pending transaction information sent by the asynchronous message server;

According to the type of transaction information to be approved, configure multiple preliminary screening approval modules in the approval terminal for approving transaction information to be approved;

Determine a plurality of pending approval information on the pending approval transaction information;

For each information to be approved, at least one secondary screening approval module is determined from multiple primary screening approval modules;

Sending the corresponding pending approval information to at least one secondary screening approval module in the approval terminal, so that at least one secondary screening approval module approves the corresponding pending approval information to obtain an approval result, and multiple approval results corresponding to multiple pending approval information Recorded as the result of parallel approval;

Receive the parallel approval result sent by the approval terminal;

If multiple approval results corresponding to the parallel approval result are all approved, the parallel approval result will be synchronized to the related party, which is the terminal that provides the transaction information to be approved;

If the multiple approval results corresponding to the parallel approval results have pending approval information that has not been approved, the pending approval information that has failed the approval will be fed back to the manual review platform for review processing.

In some embodiments,

According to the type of transaction information to be approved, configure multiple preliminary screening approval modules in the approval terminal for approving transaction information to be approved, including:

Determine the transaction information type of the transaction information to be approved and the approval type of each approval module in the approval terminal;

According to the transaction information type of the transaction information to be approved and the approval type of each approval module in the approval terminal, a plurality of preliminary screening approval modules for approving the transaction information to be approved in the approval terminal are determined.

In some embodiments,

For each information to be approved, at least one secondary screening approval module is determined from multiple primary screening approval modules, including:

Determine the approval information type of the information to be approved;

According to the approval information type of the information to be approved, at least one secondary screening approval module is determined from the plurality of primary screening approval modules.

In some embodiments,

Before sending the corresponding pending approval information to at least one secondary screening approval module in the approval terminal, the method further includes:

Determine the approval information type of the information to be approved;

According to the approval information type of the information to be approved, adjust the rule parameters of the sub-screen approval module.

In some embodiments, the information to be approved includes first information to be approved, and the first information to be approved includes first indicator data;

Methods also include:

First update processing is performed on the pre-stored first data according to the first indicator data and the preset streaming computing model to obtain first summary data.

In some embodiments, the pending information includes second pending approval information and third pending approval information, the second pending approval information includes second indicator data, and the third pending approval information includes third indicator data;

Methods also include:

Determine whether the second information to be approved and the third information to be approved are related;

If the second information to be approved is associated with the third information to be approved, the second update processing is performed on the pre-stored second data according to the second index data, the third index data and the preset streaming computing model to obtain a second summary data.

In some embodiments, after judging whether the first area to be approved and the second area to be approved are related, the method further includes;

If the second information to be approved and the third information to be approved are not related; then,

Perform a third update process on the pre-stored third data according to the second indicator data and the preset streaming computing model to obtain third summary data;

A fourth update process is performed on the pre-stored fourth data according to the third indicator data and the preset stream computing model, to obtain fourth summary data.

In a second aspect, an embodiment of the present application further provides a transaction approval device, including:

a receiving unit, configured to receive transaction information to be approved sent by the asynchronous message server;

a configuration unit, configured to configure a plurality of preliminary screening and approval modules in the approval terminal for approving the transaction information to be approved according to the type of the transaction information to be approved;

The first determining unit is used to determine a plurality of pending approval information on the pending approval transaction information:

a second determining unit, configured to determine at least one secondary screening approval module from a plurality of primary screening approval modules for each information to be approved;

The first sending unit is configured to send the corresponding information to be approved to at least one sub-screen approval module in the approval terminal, so that at least one sub-screen approval module can approve the corresponding information to be approved to obtain an approval result, a plurality of pending approvals. Multiple approval results corresponding to the information are recorded as parallel approval results;

a second sending unit, configured to receive the parallel approval result sent by the approval terminal;

a synchronization unit, used for synchronizing the parallel approval results to the related party if the multiple approval results corresponding to the parallel approval result are all approved, and the related party is the terminal that provides the transaction information to be approved;

The feedback unit is configured to feed back the pending approval information that has not been approved to the manual review platform for review processing if there is pending approval information that is not approved in the multiple approval results corresponding to the parallel approval results.

In a third aspect, the embodiments of the present application further provide an electronic device, including a memory storing a plurality of instructions; and a processor loading the instructions from the memory to execute steps in any transaction approval method provided by the embodiments of the present application.

In a fourth aspect, the embodiments of the present application further provide a computer-readable storage medium, where the computer-readable storage medium stores a plurality of instructions, and the instructions are suitable for the processor to load to execute any transaction provided by the embodiments of the present application Steps in an approval method.

In the present application, the documents to be approved can be received in the form of asynchronous messages, and the approval result can be obtained by means of parallel approval by determining each pending information on the to-be-approved document and the sub-screen approval module corresponding to the to-be-approved information. As a result, the approval speed for large batches of approval documents is improved.

Description of drawings

In order to illustrate the technical solutions in the embodiments of the present application more clearly, the following briefly introduces the drawings that are used in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those skilled in the art, other drawings can also be obtained from these drawings without creative effort.

FIG. 1a is a schematic diagram of a scenario of a transaction approval method provided by an embodiment of the present application;

Fig. 1b is a schematic flowchart of a transaction approval method provided by an embodiment of the present application;

FIG. 2 is a schematic diagram of a transaction approval method provided by an embodiment of the present application applied in a server scenario;

3 is a first structural schematic diagram of a transaction approval device provided by an embodiment of the present application;

FIG. 4 is a schematic structural diagram of a terminal provided by an embodiment of the present application.

Detailed ways

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative work fall within the protection scope of the present application.

Embodiments of the present application provide a transaction approval method, apparatus, electronic device, and computer-readable storage medium.

Wherein, the transaction approval apparatus may be specifically integrated in an electronic device, and the electronic device may be a terminal, a server, or the like. The terminal may be a mobile phone, a tablet computer, an intelligent Bluetooth device, a notebook computer, or a personal computer (Personal Computer, PC) and other devices; the server may be a single server, or a server cluster composed of multiple servers.

In some embodiments, the transaction approval apparatus may also be integrated into multiple electronic devices, for example, the transaction approval apparatus may be integrated into multiple servers, and the transaction approval method of the present application may be implemented by multiple servers.

In some embodiments, the server may also be implemented in the form of a terminal.

For example, referring to FIG. 1a, the electronic device may be a server, and the server in this embodiment of the present application is configured to receive transaction information to be approved sent by the asynchronous message server; Multiple preliminary screening approval modules for transaction information; determine multiple pending approval information on the transaction information to be approved; for each pending approval information, determine at least one secondary screening approval module from the multiple preliminary screening approval modules; The at least one secondary screening approval module sends the corresponding pending approval information, so that at least one secondary screening approval module approves the corresponding pending approval information and obtains approval results, and multiple approval results corresponding to multiple pending approval information are recorded as parallel approvals Result; receive the parallel approval result sent by the approval terminal; if multiple approval results corresponding to the parallel approval result are approved, the parallel approval result will be synchronized to the related party, which is the terminal that provides the transaction information to be approved; If there is pending approval information that has not been approved in the corresponding multiple approval results, the pending approval information that has failed the approval will be fed back to the manual review platform for review processing.

Each of them will be described in detail below. It should be noted that the serial numbers of the following embodiments are not intended to limit the preferred order of the embodiments.

In this embodiment, a transaction approval method is provided. As shown in FIG. 1b, the specific process of the transaction approval method may be as follows:

110. Receive transaction information to be approved sent by the asynchronous message server.

The transaction information to be approved may be documents such as transaction contracts and transaction bills.

For example, in this embodiment of the present application, the transaction information to be approved may be a file in a PFD format (Portable Document Format, portable document format), or may be a JPEG format (Joint Photographic Experts Group, image file format) or PNG format (Portable Network Graphics, Portable Network Graphics) image file.

Asynchronous message means that after the message has passed the signal to the receiver of the message, the transmitter of the message can continue its own activities without waiting for the receiver to return the message or control. The asynchronous message server means that after receiving the input document pending approval, it transmits the pending approval document to the electronic device receiving the asynchronous message server through network transmission, etc., without waiting for the receiver to return a message or control.

Among them, in the embodiment of the present invention, after the staff can take photos and scan the transaction information to be approved, the scanned file of the transaction information to be approved can be entered into the system, and the scanned file can be recorded in PFD format or in image format through the system. The approval transaction information is sent to the asynchronous message server, and after acquiring the transaction information to be approved, the asynchronous message server sends the acquired transaction information to be approved to the electronic device.

120. According to the type of the transaction information to be approved, configure a plurality of preliminary screening approval modules in the approval terminal for approving the transaction information to be approved.

The approval terminal is an approval terminal that can approve different types of transaction information to be approved. The approval terminal can include multiple approval modules. After obtaining the transaction information to be approved, the approval module in the approval terminal needs to be configured according to the transaction information to be approved, so that the approval terminal can approve the transaction information to be approved.

Among them, the approval terminal can select the approval module according to different approval situations when approving. Therefore, after obtaining the transaction information to be approved, it can select a plurality of initial approval modules from the approval terminal according to the type of the transaction information to be approved. Screening approval module, the preliminary screening approval module can be used to approve the transaction information to be approved.

Wherein, in the embodiment of the present application, according to the type of the transaction information to be approved, the method for configuring multiple preliminary screening approval modules in the approval terminal for approving the transaction information to be approved includes:

Determine the transaction information type of the transaction information to be approved and the approval type of each approval module in the approval terminal;

According to the transaction information type of the transaction information to be approved and the approval type of each approval module in the approval terminal, a plurality of preliminary screening approval modules for approving the transaction information to be approved in the approval terminal are determined.

The transaction information type may be classified according to different properties of the transaction. It can also be classified according to the content of the transaction information to be approved. For example, in some embodiments, according to the content of the transaction information to be approved, it is determined whether the transaction information to be approved needs to go through the black and white list, and whether it needs to go through complex review logic. When the transaction information needs to go through the black and white list, you can configure the approval module in the approval terminal to approve the black and white list. When the transaction information to be approved needs to go through complex approval logic, you can configure the approval module in the approval terminal to approve the complex approval logic.

The approval type of the approval module may be an approval module corresponding to the transaction information type of the transaction information to be approved.

130. Determine multiple pieces of pending approval information on the pending approval transaction information.

The information to be approved is an area used for risk assessment, and the approval result of the document to be approved can be obtained by approving the information to be approved.

For example, in the embodiment of the present application, when the transaction information to be approved is a loan request file, the information to be approved in the transaction information to be approved may include the basic information of the applying user, and may also include the loan approval information of the applying user; Approval information may include the name, former name, age, ID number, phone number, address, education background, associated user, basic information of the associated user, etc. of the applicant; the pending information may also include the basic information of the applicant, loan amount, etc. , repayment method, transaction flow information, credit information, asset information, etc. By reviewing the basic information of the applicant and the loan approval information of the applicant, the repayment ability of the applicant after applying for the loan can be evaluated, and the risk of the loan business can be determined according to the repayment ability.

For example, in this embodiment of the present application, when the transaction information to be approved is purchase contract information, the information to be approved in the transaction information to be approved may include information on both parties to the transaction, transaction amount information, and transaction type information.

In some embodiments, in order to approve the transaction information to be approved conveniently and quickly, it is avoided to approve the unimportant or unnecessary areas of the transaction information to be approved, which will cause the problem of slow speed of the whole process. Accurately locate the pending approval information on the transaction information, thereby improving the approval efficiency.

140. For each piece of information to be approved, determine at least one secondary screening approval module from a plurality of primary screening approval modules.

Wherein, the secondary screening approval module may be one of the modules selected from the primary screening approval modules.

Determining at least one secondary screening approval module from a plurality of primary screening approval modules refers to determining at least one secondary screening approval module for approving the to-be-approved information according to the type of the to-be-approved information.

Wherein, in the embodiment of the present application, for each information to be approved, the method for determining at least one secondary screening approval module from a plurality of preliminary screening approval modules includes:

Determine the approval information type of the information to be approved;

According to the approval information type of the information to be approved, at least one secondary screening approval module is determined from the plurality of primary screening approval modules.

For example, in some embodiments, when the transaction information to be approved is loan documents, one of the information to be approved is the user information of the applying user, the other information to be approved is the relative user information of the applying user, and the preliminary screening approval module is used for approval The approval module for loan documents, and the secondary approval module is the user information approval module for user information and relative user information in the preliminary screening approval module.

When the transaction information to be approved is a loan document, one of the information to be approved is the user information of the applying user, and the other information to be approved is the loan amount of the applying user. The preliminary screening approval module is the approval module for approving loan documents. The secondary approval module for approving user information in the module is the user information approval module, and the secondary approval module for approving the loan amount in the primary screening approval module is the amount approval module.

150. Send corresponding pending approval information to at least one secondary screening approval module in the approval terminal, so that at least one secondary screening approval module approves the corresponding pending approval information to obtain an approval result. The approval result is recorded as the parallel approval result.

Wherein, the parallel approval refers to the approval of multiple pieces of pending approval information on the pending approval transaction information through a corresponding approval module. This increases the speed of approval.

For example, in the embodiment of this application, when the transaction information to be approved is a loan document, and one of the information to be approved is the user information of the applying user, and the other information to be approved is the loan amount of the applying user, the user information of the applying user can be Approval is carried out through the user information approval module, and the loan amount of the applying user can be approved through the amount approval module, thereby obtaining two approval results, which can be recorded as parallel approval results.

Wherein, in the embodiment of the present application, before sending the corresponding pending approval information to at least one secondary screening approval module in the approval terminal, the method further includes:

Determine the approval information type of the information to be approved;

According to the approval information type of the information to be approved, adjust the rule parameters of the sub-screen approval module.

The approval information type may include the amount, the user information type, time and seal of both parties to the transaction.

The rule parameter of the approval module may refer to the review standard during review. For example, in some embodiments, when the transaction information to be approved is loan information, when the loan amount is approved, if the loan applicant's flow status is good , which can increase the amount of the loan applicant's loan amount.

160. Receive the parallel approval result sent by the approval terminal.

Among them, the parallel approval result refers to the approval result set generated by multiple modules participating in this approval after the approval. Wherein, when each approval result in the approval result set is passed, the parallel approval result of the transaction information to be approved is: Passed, when at least one approval result in the approval result set is Failed, the parallel approval result of the transaction information to be approved is Failed.

161. If multiple approval results corresponding to the parallel approval result are all approved, synchronize the parallel approval results to the related party, which is a terminal that provides transaction information to be approved.

Wherein, in the embodiment of the present application, when the parallel approval result obtained by the approval terminal is the approval, it can be sent to the electronic device through wired transmission or wireless transmission, so that the related party can obtain the approval result, so that the approval can be obtained according to the approval result. The results proceed to the next steps.

162. If the multiple approval results corresponding to the parallel approval results have pending approval information that has not been approved, the pending approval information that has failed the approval is fed back to the manual review platform for review processing.

Wherein, in some embodiments, when there are 5 pieces of information to be approved in the transaction information to be approved, and 2 pieces of information to be approved have not been approved, the 2 pieces of information to be approved are both target pieces of information to be approved.

Review processing refers to re-approval by manual approval on the manual review platform. The manual review platform can be a mobile phone or a computer equipped with approval software. When the review is passed, step 151 is performed; if the review is not passed, the transaction information to be approved is returned, so that the staff can re-edit or adjust the transaction information to be approved.

Wherein, in the embodiment of the present application, the information to be approved includes the first information to be approved, and the first information to be approved includes the first indicator data; the method further includes:

First update processing is performed on the pre-stored first data according to the first indicator data and the preset streaming computing model to obtain first summary data.

Among them, the indicator data refers to the data used for statistical calculation. For example, when the transaction information to be approved is a financial bill, the indicator data can be the uncollected amount data. When conducting risk approval, the entire uncollected amount data needs to be statistically processed. , so as to get the total number of unpaid amount data for a period of time.

Streaming computing refers to processing data streams and performing real-time calculations. For example, when multiple uncollected amount data are obtained, the multiple uncollected amount data are sequentially input into the stream computing model for summary calculation. , to get aggregated data.

Summary data refers to the accumulated historical data that has been calculated by the streaming computing model.

Wherein, in the embodiment of the present application, the information to be approved includes second information to be approved and third information to be approved, the second information to be approved includes second index data, and the third information to be approved includes third index data; the method further includes :

Determine whether the second information to be approved and the third information to be approved are related;

If the second information to be approved is associated with the third information to be approved, the second update processing is performed on the pre-stored second data according to the second index data, the third index data and the preset streaming computing model to obtain a second summary data.

Wherein, whether the second information to be approved and the third information to be approved are related refers to whether the second information to be approved and the third information to be approved are in the same information type. When the second information to be approved and the third information to be approved are of the same information type, the second index data and the third index data are sequentially aggregated and calculated through the stream computing model to obtain the second aggregated data.

For example, in some embodiments, when one piece of information to be approved is the user information of the applying user, and the other information to be approved is the relative user information of the applying user, the user information and relative user information can be approved by the user information approval module, so , the two pending approval information are associated; when one pending approval information is the user information of the applying user, and the other pending approval information is the loan amount of the applying user, the user information can be approved by the user information approval module, and the loan amount can be approved by the amount For approval by the module, the two pieces of information to be approved need to be approved by the corresponding approval module respectively. Therefore, the two pieces of information to be approved are not related.

For example, in this embodiment of the present application, it can be determined whether the information to be approved is associated by acquiring the label of the information to be approved, and by associating the label with the preset information to be approved. The label of the information to be approved may be the title of the information to be approved, for example, "User Name: XXX;", where the user name is the label of the information to be approved, and the information to be approved association table is used to represent various types of documents in the to-be-approved document. The label relationship of the information to be approved. In this way, in order to improve the efficiency of approval when multiple pieces of information to be approved are approved, the information to be approved of the same type can be sent to the approval module corresponding to the information group to be approved as a group of information to be approved for quick approval. Wherein, in the embodiment of the present application, after judging whether the first area to be approved and the second area to be approved are related, the method further includes;

If the second information to be approved and the third information to be approved are not related; then,

Perform a third update process on the pre-stored third data according to the second indicator data and the preset streaming computing model to obtain third summary data;

A fourth update process is performed on the pre-stored fourth data according to the third indicator data and the preset stream computing model, to obtain fourth summary data.

For example, in the embodiment of the present application, when the second indicator data is the uncollected amount data, the pre-stored third data is the amount of the uncollected amount data in the approved document, and the third summary data refers to the second indicator data passed The third data is updated by means of stream computing, so as to obtain third summary data.

When the third indicator data can be the received amount data, the pre-stored fourth data is the aggregated amount of the received amount data in the approved file, and the fourth aggregated data refers to the third indicator data through stream computing to the fourth The data is updated to obtain fourth summary data.

In the embodiment of the present application, the documents to be approved can be received in the form of asynchronous messages, and the approval can be obtained by means of parallel approval by determining each information to be approved on the document to be approved and the sub-screen approval module corresponding to the information to be approved. result. As a result, the approval speed for large batches of approval documents is improved.

According to the methods described in the above embodiments, further detailed description will be given below.

As shown in Figure 2, the specific process of a transaction approval method is as follows:

201. Receive the file to be approved that is sent in the form of an asynchronous message.

Among them, the documents to be approved are bills, and the bills are entered into the system through unified gateway access, and then the documents to be approved are sent to the audit center in the form of asynchronous messages.

202. Determine that a plurality of contents to be approved and an approval module corresponding to the contents to be approved are required in the to-be-approved document.

Among them, based on a preset bill template, the audit center determines the content to be approved in the to-be-approved document, there are multiple content to be approved, and the approval module corresponding to the content to be approved is determined according to the preset information to be approved information association table, and at the same time, The association relationship of each content to be approved is determined according to a pairwise comparison and a preset association table of information to be approved.

203. Approve multiple contents to be approved through an approval module in a parallel approval manner, and obtain an approval result.

Among them, if the content to be approved contains data that needs to be aggregated and calculated, the data will be processed by stream computing;

204. After the approval is completed, determine whether manual processing is required according to the approval result, and if manual processing is not required, the approval result is synchronously processed to the related party of the document to be approved.

In order to better implement the above method, the embodiment of the present application further provides an image processing apparatus. As shown in FIG. 3 , the transaction approval apparatus may include:

A receiving unit 301, configured to receive transaction information to be approved sent by the asynchronous message server;

A configuration unit 302, configured to configure a plurality of preliminary screening approval modules in the approval terminal for approving the transaction information to be approved according to the type of the transaction information to be approved;

The first determining unit 303 is configured to determine a plurality of pending approval information on the pending approval transaction information:

The second determining unit 304 is configured to, for each information to be approved, determine at least one secondary screening approval module from a plurality of primary screening approval modules;

The first sending unit 305 is configured to send the corresponding pending approval information to at least one secondary screening approval module in the approval terminal, so that the at least one secondary screening approval module can approve the corresponding pending approval information to obtain an approval result, a plurality of pending approvals. Multiple approval results corresponding to the approval information are recorded as parallel approval results;

The second sending unit 306 is configured to receive the parallel approval result sent by the approval terminal;

The synchronization unit 307 is configured to synchronize the parallel approval result to the related party if the multiple approval results corresponding to the parallel approval result are all approved, and the related party is the terminal that provides the transaction information to be approved;

The feedback unit 308 is configured to feed back the pending approval information that has not been approved to the manual review platform for review processing if there is pending approval information that is not approved in the multiple approval results corresponding to the parallel approval results.

In some embodiments of the present application, the configuration unit 302 is further configured to:

Determine the transaction information type of the transaction information to be approved and the approval type of each approval module in the approval terminal;

According to the transaction information type of the transaction information to be approved and the approval type of each approval module in the approval terminal, a plurality of preliminary screening approval modules for approving the transaction information to be approved in the approval terminal are determined.

In some embodiments of the present application, the second determining unit 304 is further configured to:

Determine the approval information type of the information to be approved;

According to the approval information type of the information to be approved, at least one secondary screening approval module is determined from the plurality of primary screening approval modules.

In some embodiments of the present application, the first sending unit 305 is further configured to:

Determine the approval information type of the information to be approved;

According to the approval information type of the information to be approved, adjust the rule parameters of the sub-screen approval module.

In some embodiments of the present application, the information to be approved includes first information to be approved, the first information to be approved includes first indicator data, and the transaction approval device may further include a calculation and update unit, and the calculation and update unit may be used for:

First update processing is performed on the pre-stored first data according to the first indicator data and the preset streaming computing model to obtain first summary data.

In some embodiments of the present application, the pending information includes second pending approval information and third pending approval information, the second pending approval information includes second index data, and the third pending approval information includes third index data, and the calculating and updating unit further Used for:

Determine whether the second information to be approved and the third information to be approved are related;

If the second information to be approved is associated with the third information to be approved, the second update processing is performed on the pre-stored second data according to the second index data, the third index data and the preset streaming computing model to obtain a second summary data.

In some embodiments of the present application, the calculation update unit is further used for:

If the second information to be approved and the third information to be approved are not related; then,

Perform a third update process on the pre-stored third data according to the second indicator data and the preset streaming computing model to obtain third summary data;

A fourth update process is performed on the pre-stored fourth data according to the third indicator data and the preset stream computing model, to obtain fourth summary data.

During specific implementation, the above units can be implemented as independent entities, or can be arbitrarily combined to be implemented as the same or several entities. The specific implementation of the above units can refer to the previous method embodiments, which will not be repeated here.

As can be seen from the above, in the transaction approval device of this embodiment, the receiving unit 301 is used to receive the transaction information to be approved sent by the asynchronous message server; the configuration unit 302 is used to configure the approval terminal according to the type of the transaction information to be approved. Multiple preliminary screening and approval modules for approving transaction information to be approved; the first determining unit 303 is used to determine a plurality of pending approval information on the transaction information to be approved; the second determining unit 304 is used to determine each pending approval information , determine at least one secondary screening approval module from a plurality of primary screening approval modules; the first sending unit 305 is used to send the corresponding pending approval information to at least one secondary screening approval module in the approval terminal, so that at least one secondary screening approval module The approval module approves the corresponding information to be approved, and obtains an approval result, and multiple approval results corresponding to the plurality of information to be approved are recorded as parallel approval results; the second sending unit 306 is used for receiving the parallel approval results sent by the approval terminal; The synchronization unit 307 is used for synchronizing the parallel approval results to the related party if multiple approval results corresponding to the parallel approval results are approved, and the related party is the terminal that provides the transaction information to be approved; the feedback unit 308 is used for if If the multiple approval results corresponding to the parallel approval results have pending approval information that has not been approved, the pending approval information that has failed the approval will be fed back to the manual review platform for review processing. Therefore, the embodiments of the present application can improve the speed of rapid approval of a large number of approval documents.

An embodiment of the present application further provides an electronic device, where the electronic device may be a terminal, a server, or the like. The terminal may be a mobile phone, a tablet computer, a smart Bluetooth device, a notebook computer, a personal computer, etc.; the server may be a single server, or a server cluster composed of multiple servers, and the like.

In some embodiments, the transaction approval apparatus may also be integrated into multiple electronic devices, for example, the transaction approval apparatus may be integrated into multiple servers, and the transaction approval method of the present application may be implemented by multiple servers.

In this embodiment, a detailed description will be given by taking the electronic device of this embodiment as a terminal as an example. For example, as shown in FIG. 4 , which shows a schematic structural diagram of a terminal involved in this embodiment of the present application, specifically:

The terminal may include a processor 401 of one or more processing cores, a memory 402 of one or more computer-readable storage media, a power supply 403, an input module 404, and a communication module 405 and other components. Those skilled in the art can understand that the terminal structure shown in FIG. 4 does not constitute a limitation on the terminal, and may include more or less components than the one shown, or combine some components, or arrange different components. in:

The processor 401 is the control center of the terminal, using various interfaces and lines to connect various parts of the entire terminal, by running or executing the software programs and/or modules stored in the memory 402, and calling the data stored in the memory 402, Execute various functions of the terminal and process data. In some embodiments, the processor 401 may include one or more processing cores; in some embodiments, the processor 401 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user Interfaces and applications, etc., the modem processor mainly handles wireless communication. It can be understood that, the above-mentioned modulation and demodulation processor may not be integrated into the processor 401.

The memory 402 can be used to store software programs and modules, and the processor 401 executes various functional applications and data processing by running the software programs and modules stored in the memory 402 . The memory 402 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program (such as a sound playback function, an image playback function, etc.) required for at least one function, and the like; Data created by the use of the terminal, etc. Additionally, memory 402 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, memory 402 may also include a memory controller to provide processor 401 access to memory 402 .

The terminal also includes a power supply 403 for supplying power to various components. In some embodiments, the power supply 403 can be logically connected to the processor 401 through a power management system, so as to manage charging, discharging, and power consumption management functions through the power management system. Power source 403 may also include one or more DC or AC power sources, recharging systems, power failure detection circuits, power converters or inverters, power status indicators, and any other components.

The terminal may also include an input module 404, which may be used to receive input numerical or character information and generate keyboard, mouse, joystick, optical or trackball signal input related to user settings and function control.

The terminal may further include a communication module 405. In some embodiments, the communication module 405 may include a wireless module. The terminal may perform short-distance wireless transmission through the wireless module of the communication module 405, thereby providing users with wireless broadband Internet access. For example, the communication module 405 can be used to help users send and receive emails, browse web pages, access streaming media, and the like.

Although not shown, the terminal may also include a display unit and the like, which will not be described herein again. Specifically, in this embodiment, the processor 401 in the terminal loads the executable files corresponding to the processes of one or more application programs into the memory 402 according to the following instructions, and the processor 401 executes them and stores them in the memory 402 in order to achieve various functions, as follows:

Receive the pending transaction information sent by the asynchronous message server;

According to the type of transaction information to be approved, configure multiple preliminary screening approval modules in the approval terminal for approving transaction information to be approved;

Determine a plurality of pending approval information on the pending approval transaction information;

For each information to be approved, at least one secondary screening approval module is determined from multiple primary screening approval modules;

Sending the corresponding pending approval information to at least one secondary screening approval module in the approval terminal, so that at least one secondary screening approval module approves the corresponding pending approval information to obtain an approval result, and multiple approval results corresponding to multiple pending approval information Recorded as the result of parallel approval;

Receive the parallel approval result sent by the approval terminal;

If multiple approval results corresponding to the parallel approval result are all approved, the parallel approval result will be synchronized to the related party, which is the terminal that provides the transaction information to be approved;

If the multiple approval results corresponding to the parallel approval results have pending approval information that has not been approved, the pending approval information that has failed the approval will be fed back to the manual review platform for review processing.

In some embodiments, a computer program product is also provided, which includes a computer program or instructions, which, when executed by a processor, implement the steps in any one of the above transaction approval methods.

For the specific implementation of the above operations, reference may be made to the foregoing embodiments, and details are not described herein again.

Those of ordinary skill in the art can understand that all or part of the steps in the various methods of the above-mentioned embodiments can be completed by instructions, or by instructions that control relevant hardware, and the instructions can be stored in a computer-readable storage medium, and loaded and executed by the processor.

To this end, the embodiments of the present application provide a computer-readable storage medium, in which a plurality of instructions are stored, and the instructions can be loaded by a processor to execute the steps in any transaction approval method provided by the embodiments of the present application .

Wherein, the storage medium may include: a read only memory (ROM, Read Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, and the like.

According to one aspect of the present application, there is provided a computer program product or computer program comprising computer instructions stored in a computer readable storage medium.

Since the instructions stored in the storage medium can execute the steps in any transaction approval method provided by the embodiment of the present application, it is possible to realize the steps that can be realized by any transaction approval method provided by the embodiment of the present application. For the beneficial effects, refer to the foregoing embodiments for details, which will not be repeated here.

The transaction approval method, device, electronic device, and computer-readable storage medium provided by the embodiments of the present application have been described in detail above. The principles and implementations of the present application are described with specific examples in this article. The above embodiments The description is only used to help understand the method of the present application and its core idea; meanwhile, for those skilled in the art, according to the idea of the present application, there will be changes in the specific embodiments and application scope. In summary, the above , the contents of this specification should not be construed as limiting the application.

Claims (10)

1. A transaction approval method, characterized in that the method comprises: Receive the pending transaction information sent by the asynchronous message server; According to the type of the transaction information to be approved, configure a plurality of preliminary screening approval modules in the approval terminal for approving the transaction information to be approved; determining a plurality of pending approval information on the pending approval transaction information; For each of the information to be approved, at least one secondary screening approval module is determined from the plurality of preliminary screening approval modules; Send the corresponding information to be approved to the at least one sub-screen approval module in the approval terminal, so that the at least one sub-screen approval module approves the corresponding information to be approved, and obtains the approval result. The multiple approval results corresponding to the multiple pending approval information are recorded as parallel approval results; receiving the parallel approval result sent by the approval terminal; If the multiple approval results corresponding to the parallel approval result are all approved, the parallel approval result is synchronized to an associated party, and the associated party is a terminal that provides the transaction information to be approved; If there is pending approval information that is not approved in the multiple approval results corresponding to the parallel approval result, the pending approval information that is not approved is fed back to the manual review platform for review processing. 2. The method according to claim 1, wherein, according to the type of the transaction information to be approved, configuring a plurality of preliminary screening approval modules in the approval terminal for approving the transaction information to be approved, comprising: determining the transaction information type of the transaction information to be approved and the approval type of each approval module in the approval terminal; According to the transaction information type of the to-be-approved transaction information and the approval type of each approval module in the approval terminal, a plurality of preliminary screening approval modules for approving the to-be-approved transaction information in the approval terminal are determined. 3. The method according to claim 1, wherein, for each of the information to be approved, determining at least one secondary screening approval module from the plurality of preliminary screening approval modules, comprising: determining the approval information type of the to-be-approved information; According to the approval information type of the to-be-approved information, at least one secondary screening approval module is determined from the plurality of primary screening approval modules. 4 . The method according to claim 3 , wherein before the corresponding information to be approved is sent to the at least one secondary screening approval module in the approval terminal, the method further comprises: 4 . determining the approval information type of the to-be-approved information; According to the approval information type of the to-be-approved information, the rule parameters of the secondary screening approval module are adjusted. 5. The method according to claim 1, wherein the information to be approved includes first information to be approved, and the first information to be approved includes first indicator data; The method also includes: According to the first indicator data and the preset streaming computing model, a first update process is performed on the pre-stored first data to obtain first summary data. 6. The method according to claim 5, wherein the information to be approved includes second information to be approved and a third information to be approved, the second information to be approved includes second indicator data, and the third information to be approved Information includes third indicator data; The method also includes: judging whether the second information to be approved and the third information to be approved are related; If the second information to be approved is associated with the third information to be approved, according to the second indicator data, the third indicator data and the preset streaming computing model, the pre-stored second data is processed Second, update processing to obtain second summary data. 7. The method according to claim 6, characterized in that, after judging whether the first area to be approved and the second area to be approved are related, the method further comprises: If the second information to be approved and the third information to be approved are not associated; then, Perform a third update process on the pre-stored third data according to the second indicator data and the preset streaming computing model, to obtain third summary data; Perform a fourth update process on the pre-stored fourth data according to the third indicator data and the preset streaming computing model, to obtain fourth summary data. 8. A transaction approval device, comprising: a receiving unit, configured to receive transaction information to be approved sent by the asynchronous message server; a configuration unit, configured to configure a plurality of preliminary screening approval modules in the approval terminal for approving the transaction information to be approved according to the type of the transaction information to be approved; A first determining unit, configured to determine a plurality of pending approval information on the pending approval transaction information: a second determining unit, configured to, for each of the information to be approved, determine at least one secondary screening approval module from the plurality of preliminary screening approval modules; A first sending unit, configured to send the corresponding information to be approved to the at least one secondary screening approval module in the approval terminal, so that the at least one secondary screening approval module can perform the corresponding processing on the corresponding information to be approved. Approval, obtaining an approval result, and multiple approval results corresponding to the multiple pieces of information to be approved are recorded as parallel approval results; a second sending unit, configured to receive the parallel approval result sent by the approval terminal; a synchronization unit, configured to synchronize the parallel approval result to an associated party if the multiple approval results corresponding to the parallel approval result are all approved, and the associated party is a terminal that provides the transaction information to be approved; A feedback unit, configured to feed back the pending approval information that fails to pass the approval to the manual review platform for review processing if there is pending approval information that is not approved in the multiple approval results corresponding to the parallel approval results. 9. An electronic device, comprising a processor and a memory, wherein the memory stores a plurality of instructions; the processor loads the instructions from the memory to execute the instructions according to any one of claims 1 to 7 steps in the transaction approval method described above. 10 . A computer-readable storage medium, characterized in that the computer-readable storage medium stores a plurality of instructions, the instructions are adapted to be loaded by a processor to execute the method according to any one of claims 1 to 7 . Steps in the transaction approval method.

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