CN114820172A - Post-loan disposal management system of micro-service architecture - Google Patents
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Abstract
The invention discloses a post-loan disposal management system of a micro-service architecture, which comprises: the system comprises a plurality of micro service systems based on service division, wherein the micro service systems are cooperated through a communication protocol; the plurality of microservice systems comprise: a user service system, a case operation service system and a case execution service system; the user registers an account based on the user service system, and the user service system supervises the registered account of the user; uploading the entrusted case data by a user through a data uploading interface; the case operation service system generates debtor figures based on the uploaded entrusted case data, finds matched collectors in collector figures of the case execution service system based on the debtor figures and forms a collection scheme, distributes the cases to the matched collectors and provides the collection scheme, and the case execution service system assists the collectors to execute corresponding collection schemes.
Description
Technical Field
The invention relates to the technical field of management, in particular to a post-loan disposal management system of a micro-service architecture.
Background
The existing collection system in the collection industry only can realize simple functions of case management, personnel management, collection operation and the like. With the increase of the collection service volume and the increase of the complexity of the debtor identity industry, the traditional collection system can not meet the demand of the collection service which is developed rapidly.
Conventional post-loan management systems typically employ a Monolithic (Monolithic) architecture. In the Monolithic architecture, a system usually adopts a layered architecture mode, and the system is divided according to technical dimensions, such as a persistence layer, a business logic layer and a presentation layer.
The Monolithic architecture mainly has the following problems:
1. the systems usually access each other in the form of API, and the close coupling causes the difficulty in maintenance;
2. the same technology stack is needed in each business field, and the new technology is difficult to be rapidly applied;
3. any modification to the system needs to be redeployed/upgraded together with the whole system, so that the operation and maintenance cost is high;
4. when the system load increases, horizontal expansion is difficult to perform;
5. when a problem occurs in one place of the system, the whole system is affected.
Disclosure of Invention
The present invention provides a post-loan management system with a micro-service architecture, which solves the above problems in the prior art.
The invention provides a post-loan disposal management system of a micro-service architecture, which comprises:
the system comprises a plurality of micro service systems based on service division, wherein the micro service systems are cooperated through a communication protocol;
the plurality of microservice systems comprise: a user service system, a case operation service system and a case execution service system;
the user registers an account based on the user service system, and the user service system supervises the registered account of the user; uploading the entrusted case data by a user through a data uploading interface; the case operation service system generates debtor figures based on the uploaded entrusted case data, finds matched collectors in collector figures of the case execution service system based on the debtor figures and forms a collection scheme, distributes the cases to the matched collectors and provides the collection scheme, and the case execution service system assists the collectors to execute corresponding collection schemes.
Preferably, the case execution service system includes: outbound service, file service, short message service, and lawyer letter service;
the urging portrait comprises: the execution time, the collection mode and the collection content are collected; and forming different collection schemes based on different collection person pictures.
Preferably, the post-loan management system further includes: a data warehousing service system and a search service system;
the operation when urging the collector to carry out corresponding urging scheme is the urging operation, the data warehousing service system records the entrusted case data uploaded by all users, the corresponding urging operation flow data and the urging report results, and the urging operation flow data comprises: recording, characters and files in the process of collection;
the search service system provides a service search for a user through a search interface.
Preferably, the method further comprises the following steps: a monitoring module;
the monitoring module monitors and reminds the whole flow of all the receiving-urging operations;
the monitoring comprises: monitoring each operation and content of the collection job; the reminding comprises the following steps: reminding the unexecuted operation in the collection prompting scheme, reminding a collector to execute the corresponding operation through the scheme of the label reminding in the monitoring module, and canceling the label in the label reminding if the operation is finished through reminding the collector, wherein the reminding process is recorded in the report form result of the collection prompting.
Preferably, the collection prompting scheme is multiple, the collection prompting scheme is sorted according to the reasonable effectiveness of the collection prompting scheme, and a collector executes the scheme with the top sorting preferentially when executing the collection prompting scheme;
when an abnormal condition of a certain micro service system in the priority collection prompting scheme is detected, whether the micro service system corresponding to the sub-priority collection prompting scheme has the abnormal condition or not is detected, and if the abnormal condition does not exist, the sub-priority collection prompting scheme is adopted as a scheme to be finally executed; if the abnormal conditions exist, whether the corresponding micro service systems have the abnormal conditions or not is checked in sequence according to the sequence of the collection prompting scheme, and once the abnormal conditions do not exist, the corresponding collection prompting scheme is set as a final execution scheme.
Preferably, the micro-service architecture adopts a spring closed micro-service system, adopts Eureka as a registration center of micro-service, and adopts spring closed gateway as a service gateway to provide high-availability routing and current limiting functions based on flexible configuration.
Preferably, the division mode of the micro service systems is based on a micro service architecture system obtained after the post-credit service model analysis; and the micro service systems adopt a standard HTTP protocol, call each other through a Fegin component, and support fusing and degrading under the support of Hystrix.
Preferably, the case operation service system includes: the system comprises a case management module and a case intelligent distribution module;
the case management module carries out tagging management on the entrusted cases, carries out big data retrieval and analysis on entrusted case data, and obtains corresponding case tags on the basis of an analysis model, wherein each entrusted case is marked with a corresponding case tag;
the intelligent case distribution module is used for positioning case characteristics of each consignment case based on case labels marked on each consignment case in the case management module, and matching corresponding collectors and collecting schemes in the collector drawing through the case characteristics.
Preferably, the case execution service system comprises an acquirer urging management module and an urging scheme management module;
the system comprises a collector urging management module, a collector urging management module and a plurality of collector urging management modules, wherein the collector urging management module marks a collector urging label for each collector urging according to the collector urging operation completion degree and feedback characteristics of the collector urging, and the collector urging label represents the collection urging characteristics of the collector urging;
matching judgment is carried out on the case characteristics and the label of the collector urging, if the similarity between the case characteristics and the label of the collector urging is judged to be larger than a preset value, the case characteristics are determined to be matched with the collector urging, the entrusted case is automatically and intelligently distributed to the collector urging, and a corresponding collection urging scheme is corresponded;
and the collection urging scheme management module scores according to the collection urging result of the collection urging scheme, evaluates the score of each collection urging scheme and updates the score of the collection urging scheme by taking 24 hours as a period.
Preferably, the case operation service system comprises a debtor portrait generation model and a debtor portrait updating model;
the debtor portrait generation model is used for learning and analyzing large data of a large number of debtors to form a basic debtor portrait;
the debtor portrait updating model is used for updating the debtor portrait on the basis of the basic debtor portrait;
receiving new characteristics or behavior description of the debtor, calculating the matching degree of the new characteristics or behavior description and the characteristics or behavior description of the basic debtor portrait, if the calculation result of the matching degree is larger than a threshold value, forming a new characteristic label by the new characteristics or behavior description, adding the new characteristic label to the basic debtor portrait, and forming an updated debtor portrait;
if the matching degree calculation result is smaller than a threshold value, calculating the frequency of the new feature or behavior description appearing in a preset time range, if the frequency is between a preset minimum frequency value and a preset maximum frequency value, setting the new feature or behavior description as a possibility label, if the coincidence rate of the possibility label in a certain time reaches a set coincidence rate threshold value, setting the possibility label as a new feature label, and adding the new feature label into the basic debtor portrait to form an updated debtor portrait;
if the frequency is larger than the preset maximum frequency value, adding the new characteristic label into the basic debtor portrait to form an updated debtor portrait;
if the frequency is less than the preset minimum frequency value, deleting the new characteristic or behavior description, and storing the new characteristic or behavior description as a sudden characteristic in a sudden characteristic memory; if the storage capacity of the bursty feature memory reaches 90%, the bursty feature is set as a possibility tag.
Compared with the prior art, the invention has the following advantages:
the invention provides a post-loan disposal management system of a micro-service architecture, which comprises: the system comprises a plurality of micro service systems based on service division, wherein the micro service systems are cooperated through a communication protocol; the plurality of microservice systems comprise: a user service system, a case operation service system and a case execution service system; the user registers an account based on the user service system, and the user service system supervises the registered account of the user; uploading the entrusted case data by a user through a data uploading interface; the case operation service system generates debtor figures based on the uploaded entrusted case data, finds matched collectors in collector figures of the case execution service system based on the debtor figures and forms a collection scheme, distributes the cases to the matched collectors and provides the collection scheme, and the case execution service system assists the collectors to execute corresponding collection schemes. The scheme can generate debtor figures and acquirer figures, and realizes intellectualization of the collection service according to decision engine intelligent case distribution and a system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:
FIG. 1 is a schematic diagram illustrating a post-loan management system of a microservice architecture according to an embodiment of the present invention;
FIG. 2 is a diagram of a system architecture in accordance with an embodiment of the present invention;
FIG. 3 is a schematic diagram of matching a debtor figure with an acquirer figure in an embodiment of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
An embodiment of the present invention provides a post-loan management system of a micro-service architecture, referring to fig. 1, the system includes:
the system comprises a plurality of micro service systems based on service division, wherein the micro service systems are cooperated through a communication protocol;
the plurality of microservice systems comprise: a user service system, a case operation service system and a case execution service system;
the user registers an account based on the user service system, and the user service system supervises the registered account of the user; uploading the entrusted case data by a user through a data uploading interface; the case operation service system generates debtor figures based on the uploaded entrusted case data, finds matched collectors in collector figures of the case execution service system based on the debtor figures and forms a collection scheme, distributes the cases to the matched collectors and provides the collection scheme, and the case execution service system assists the collectors to execute corresponding collection schemes.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is a plurality of micro service systems based on service division, and the micro service systems are cooperated through a communication protocol;
the plurality of microservice systems comprise: a user service system, a case operation service system and a case execution service system;
the user registers an account based on the user service system, and the user service system supervises the registered account of the user; uploading the entrusted case data by a user through a data uploading interface; the case operation service system generates debtor figures based on the uploaded entrusted case data, finds matched collectors in collector figures of the case execution service system based on the debtor figures and forms a collection scheme, distributes the cases to the matched collectors and provides the collection scheme, and the case execution service system assists the collectors to execute corresponding collection schemes.
Specifically, referring to fig. 2, a post-loan disposal management system is set in a micro-service architecture mode, the system adopts a spring closed micro-service system, adopts Eureka as a registration center of a micro-service, and uses a spring closed gateway as a service gateway (a unified traffic entry) to provide a flexibly configured high-availability routing and current limiting function for post-loan management services, a traditional single application is split into a plurality of micro-service systems such as a user, a warehouse, a search, an outbound call, a short message and the like on a service level, a single-service responsibility is provided between each micro-service system, a standard HTTP protocol is adopted between services, mutual calling is performed through a Fegin component, and fusing are supported under the support of Hystrix, so that the stability of the whole system is greatly guaranteed.
The system is therefore advantageous in particular as follows:
the logic is clear: due to the single responsibility of the micro-services, the business responsibility of each micro-service is clear logically and is easier to understand than the original complex monolithic system.
The deployment is simplified: in a conventional system, once a line of code is modified, the entire system needs to be rebuilt, tested, and then deployed. The micro-service can deploy single micro-service, and new functions can be rapidly released through low integration cost.
And (3) expandable: in the face of a service scene with high pressure, the corresponding micro-service module can be independently and conveniently horizontally expanded to support higher concurrency. Thereby improving the stability of the system and reducing the cost of operation and maintenance.
High reliability: the abnormity of a certain micro service can not cause the simultaneous abnormity of other micro services, and the reliability of the whole micro service system can be greatly improved through the technologies of isolation, fusing, degradation and the like.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, the case execution service system includes: outbound service, file service, short message service, and lawyer letter service;
the urging portrait comprises: the execution time, the collection mode and the collection content are collected; and forming different collection schemes based on different collection person pictures.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is that the case execution service system comprises: outbound service, file service, short message service, and lawyer letter service; the urging portrait comprises: the execution time, the collection mode and the collection content are collected; and forming different collection schemes based on different collection person pictures.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, the post-loan management system further comprises: a data warehousing service system and a search service system;
the operation when urging the collector to carry out corresponding urging scheme is the urging operation, the data warehousing service system records the entrusted case data uploaded by all users, the corresponding urging operation flow data and the urging report results, and the urging operation flow data comprises: recording, characters and files in the process of collection;
the search service system provides a service search for a user through a search interface.
The working principle of the technical scheme is as follows: the present embodiment adopts a scheme that the post-loan disposal management system further includes: a data warehousing service system and a search service system; the operation when urging the collector to carry out corresponding urging scheme is the urging operation, the data warehousing service system records the entrusted case data uploaded by all users, the corresponding urging operation flow data and the urging report results, and the urging operation flow data comprises: recording, characters and files in the process of collection; the search service system provides a service search for a user through a search interface.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, further comprising: a monitoring module;
the monitoring module monitors and reminds the whole flow of all the receiving-urging operations;
the monitoring comprises: monitoring each operation and content of the collection operation; the reminding comprises the following steps: reminding the unexecuted operation in the collection prompting scheme, reminding a collector to execute the corresponding operation through the scheme of the label reminding in the monitoring module, and canceling the label in the label reminding if the operation is finished through reminding the collector, wherein the reminding process is recorded in the report form result of the collection prompting.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment further comprises: the monitoring module monitors and reminds the whole flow of all the receiving-urging operations; the monitoring comprises: monitoring each operation and content of the collection operation; the reminding comprises the following steps: reminding the unexecuted operation in the collection prompting scheme, reminding a collector to execute the corresponding operation through the scheme of the label reminding in the monitoring module, and canceling the label in the label reminding if the operation is finished through reminding the collector, wherein the reminding process is recorded in the report form result of the collection prompting.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, the collection prompting schemes are multiple, the collection prompting schemes are sorted according to the reasonable effectiveness of the collection prompting schemes, and a collector executes the scheme with the top sorting priority when executing the collection prompting scheme;
when the abnormal condition of a certain micro service system in the priority collection prompting scheme is detected, whether the corresponding micro service system in the second priority collection prompting scheme has the abnormal condition is detected, and if the abnormal condition does not exist, the second priority collection prompting scheme is adopted as a scheme to be finally executed; if the abnormal conditions exist, whether the corresponding micro service systems have the abnormal conditions or not is checked in sequence according to the sequence of the collection prompting scheme, and once the abnormal conditions do not exist, the corresponding collection prompting scheme is set as a final execution scheme.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is that the collection urging scheme is multiple, the collection urging scheme is sorted according to the reasonable effectiveness of the collection urging scheme, and a collector preferentially executes the scheme with the top sorting when executing the collection urging scheme; when the abnormal condition of a certain micro service system in the priority collection prompting scheme is detected, whether the corresponding micro service system in the second priority collection prompting scheme has the abnormal condition is detected, and if the abnormal condition does not exist, the second priority collection prompting scheme is adopted as a scheme to be finally executed; if the abnormal conditions exist, whether the corresponding micro service systems have the abnormal conditions or not is checked in sequence according to the sequence of the collection prompting scheme, and once the abnormal conditions do not exist, the corresponding collection prompting scheme is set as a final execution scheme.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, the micro-service architecture adopts a spring closed micro-service system, adopts Eureka as a registration center of micro-service, and adopts spring closed gateway as a service gateway to provide high-availability routing and current limiting functions based on flexible configuration.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is that the micro-service architecture adopts a spring closed micro-service system, adopts Eureka as a registration center of micro-service, and adopts spring closed gateway as a service gateway to provide high-availability routing and current limiting functions based on flexible configuration.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, the division mode of the micro service systems is based on a micro service architecture system obtained after the post-credit service model analysis; and the micro service systems adopt a standard HTTP protocol, call each other through a Fegin component, and support fusing and degrading under the support of Hystrix.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is that the division mode of the micro service systems is based on a micro service architecture system obtained after the post-credit service model analysis; and the micro service systems adopt a standard HTTP protocol, call each other through a Fegin component, and support fusing and degrading under the support of Hystrix.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, as shown in fig. 3, the case operation service system includes: the system comprises a case management module and a case intelligent distribution module;
the case management module carries out tagging management on the entrusted cases, carries out big data retrieval and analysis on entrusted case data, and obtains corresponding case tags on the basis of an analysis model, wherein each entrusted case is marked with a corresponding case tag;
the intelligent case distribution module is used for positioning case characteristics of each consignment case based on case labels marked on each consignment case in the case management module, and matching corresponding collectors and collecting schemes in the collector drawing through the case characteristics.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is that the case operation service system comprises: the system comprises a case management module and a case intelligent distribution module; the case management module carries out tagging management on the entrusted cases, carries out big data retrieval and analysis on entrusted case data, and obtains corresponding case tags on the basis of an analysis model, wherein each entrusted case is marked with a corresponding case tag; the intelligent case distribution module is used for positioning case characteristics of each consignment case based on case labels marked on each consignment case in the case management module, and matching corresponding collectors and collecting schemes in the collector drawing through the case characteristics.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, as shown in fig. 3, the case execution service system includes a collector management module and a collection scheme management module;
the system comprises a collector urging management module, a collector urging management module and a plurality of collector urging management modules, wherein the collector urging management module marks a collector urging label for each collector urging according to the collector urging operation completion degree and feedback characteristics of the collector urging, and the collector urging label represents the collection urging characteristics of the collector urging;
matching judgment is carried out on the case characteristics and the label of the collector urging, if the similarity between the case characteristics and the label of the collector urging is judged to be larger than a preset value, the case characteristics are determined to be matched with the collector urging, the entrusted case is automatically and intelligently distributed to the collector urging, and a corresponding collection urging scheme is corresponded;
and the collection urging scheme management module scores according to the collection urging result of the collection urging scheme, evaluates the score of each collection urging scheme and updates the score of the collection urging scheme by taking 24 hours as a period.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is that the case execution service system comprises a collector management module and a collection scheme management module; the system comprises a collector urging management module, a collector urging management module and a plurality of collector urging management modules, wherein the collector urging management module marks a collector urging label for each collector urging according to the collector urging operation completion degree and feedback characteristics of the collector urging, and the collector urging label represents the collection urging characteristics of the collector urging; matching judgment is carried out on the case characteristics and the label of the collector urging, if the similarity between the case characteristics and the label of the collector urging is judged to be larger than a preset value, the case characteristics are determined to be matched with the collector urging, the entrusted case is automatically and intelligently distributed to the collector urging, and a corresponding collection urging scheme is corresponded; and the collection urging scheme management module scores according to the collection urging result of the collection urging scheme, evaluates the score of each collection urging scheme and updates the score of the collection urging scheme by taking 24 hours as a period.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In another embodiment, the case operation service system includes a debtor representation generation model and a debtor representation update model;
the debtor portrait generation model is used for learning and analyzing large data of a large number of debtors to form a basic debtor portrait;
the debtor portrait updating model is used for updating the debtor portrait on the basis of the basic debtor portrait;
receiving new characteristics or behavior description of the debtor, calculating the matching degree of the new characteristics or behavior description and the characteristics or behavior description of the basic debtor portrait, if the calculation result of the matching degree is larger than a threshold value, forming a new characteristic label by the new characteristics or behavior description, adding the new characteristic label to the basic debtor portrait, and forming an updated debtor portrait;
if the matching degree calculation result is smaller than a threshold value, calculating the frequency of the new feature or behavior description appearing in a preset time range, if the frequency is between a preset minimum frequency value and a preset maximum frequency value, setting the new feature or behavior description as a possibility label, if the coincidence rate of the possibility label in a certain time reaches a set coincidence rate threshold value, setting the possibility label as a new feature label, and adding the new feature label into the basic debtor portrait to form an updated debtor portrait;
if the frequency is larger than a preset maximum frequency value, adding the new feature tag into the basic debtor portrait to form an updated debtor portrait;
if the frequency is less than the preset minimum frequency value, deleting the new characteristic or behavior description, and storing the new characteristic or behavior description as a sudden characteristic in a sudden characteristic memory; if the storage capacity of the bursty feature memory reaches 90%, the bursty feature is set as a possibility tag.
The working principle of the technical scheme is as follows: the scheme adopted by the embodiment is that the case operation service system comprises a debtor portrait generation model and a debtor portrait updating model; the debtor portrait generation model is used for learning and analyzing large data of a large number of debtors to form a basic debtor portrait; the debtor portrait updating model is used for updating the debtor portrait on the basis of the basic debtor portrait; receiving new characteristics or behavior description of the debtor, calculating the matching degree of the new characteristics or behavior description and the characteristics or behavior description of the basic debtor portrait, if the calculation result of the matching degree is larger than a threshold value, forming a new characteristic label by the new characteristics or behavior description, adding the new characteristic label to the basic debtor portrait, and forming an updated debtor portrait; if the matching degree calculation result is smaller than a threshold value, calculating the frequency of the new feature or behavior description appearing in a preset time range, if the frequency is between a preset minimum frequency value and a preset maximum frequency value, setting the new feature or behavior description as a possibility label, if the coincidence rate of the possibility label in a certain time reaches a set coincidence rate threshold value, setting the possibility label as a new feature label, and adding the new feature label into the basic debtor portrait to form an updated debtor portrait; if the frequency is larger than the preset maximum frequency value, adding the new characteristic label into the basic debtor portrait to form an updated debtor portrait; if the frequency is less than the preset minimum frequency value, deleting the new characteristic or behavior description, and storing the new characteristic or behavior description as a sudden characteristic in a sudden characteristic memory; if the storage capacity of the bursty feature memory reaches 90%, the bursty feature is set as a possibility tag.
The beneficial effects of the above technical scheme are: by adopting the scheme provided by the embodiment, the debtor portrait and the acquirer portrait can be generated, and the intellectualization of the collection service is realized according to the decision engine intelligent case distribution and the system for dynamically adjusting the proposal collection strategy. The system has the advantages of flexible expansion, fast iteration, low deployment cost, support of fast horizontal expansion and high availability.
In addition, receiving new characteristics or behavior description of the debtor, and calculating the matching degree of the new characteristics or behavior description and the characteristics or behavior description of the basic debtor image, wherein in the process, the calculating mode of the matching degree is as follows:
wherein p is i Matching the new features with the debtor figures of the ith basis; a is a ij Feature vector of jth feature of drawingness of debtor of ith base, t j A feature vector of the jth feature in the new features; i 1,2 … n, j 1,2 … m, n is the number of debtor figures based on, m is the number of features; min(s) i min j By adjusting the values of i and j so that t j -a ij Minimum value, | max i max j |t j -a ij I is obtained by adjusting the values of i and j such that t j -a ij The value of | is maximum; mu is a resolution coefficient, and mu belongs to [0, 1 ]]The value of mu is less than or equal to 0.5. H j Plotting entropy of the jth feature in the ith basis debtor image;
the matching degree calculated by the formula considers the comprehensive matching degree calculation of the new characteristics and the characteristics of the basic debtor image, the weight can be calculated by utilizing the entropy value of the pyretic condition, the information of the data is fully utilized, and the calculation is more accurate and simple.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A post-loan management system of a microservice architecture, comprising:
the system comprises a plurality of micro service systems based on service division, wherein the micro service systems are cooperated through a communication protocol;
the plurality of microservice systems comprise: a user service system, a case operation service system and a case execution service system;
the user registers an account based on the user service system, and the user service system supervises the registered account of the user; uploading the entrusted case data by a user through a data uploading interface; the case operation service system generates debtor figures based on the uploaded entrusted case data, finds matched collectors in collector figures of the case execution service system based on the debtor figures and forms a collection scheme, distributes the cases to the matched collectors and provides the collection scheme, and the case execution service system assists the collectors to execute corresponding collection schemes.
2. The micro-services architecture post-loan management system according to claim 1, wherein the case execution service system comprises: outbound service, file service, short message service, and lawyer letter service;
the urging portrait comprises: the execution time, the collection mode and the collection content are collected; and forming different collection schemes based on different collection person pictures.
3. The microservice-architected post-loan management system of claim 2, wherein the post-loan management system further comprises: a data warehousing service system and a search service system;
the operation when urging the collector to carry out corresponding urging scheme is the urging operation, the data warehousing service system records the entrusted case data uploaded by all users, the corresponding urging operation flow data and the urging report results, and the urging operation flow data comprises: recording, characters and files in the process of collection;
the search service system provides a service search for a user through a search interface.
4. The micro-services architecture post-credit management system of claim 2, further comprising: a monitoring module;
the monitoring module monitors and reminds the whole flow of all the receiving-urging operations;
the monitoring comprises: monitoring each operation and content of the collection job; the reminding comprises the following steps: reminding the unexecuted operation in the collection prompting scheme, reminding a collector to execute the corresponding operation through the scheme of the label reminding in the monitoring module, and canceling the label in the label reminding if the operation is finished through reminding the collector, wherein the reminding process is recorded in the report form result of the collection prompting.
5. The system for managing post-loan disposition of a micro-service architecture according to claim 2, wherein the collection-urging plan is plural, and is sorted according to the reasonable effectiveness of the collection-urging plan, and the collector preferentially executes the plan sorted in the top when executing the collection-urging plan;
when the abnormal condition of a certain micro service system in the priority collection prompting scheme is detected, whether the corresponding micro service system in the second priority collection prompting scheme has the abnormal condition is detected, and if the abnormal condition does not exist, the second priority collection prompting scheme is adopted as a scheme to be finally executed; if the abnormal conditions exist, whether the corresponding micro service systems have the abnormal conditions or not is checked in sequence according to the sequence of the collection prompting scheme, and once the abnormal conditions do not exist, the corresponding collection prompting scheme is set as a final execution scheme.
6. The system of claim 2, wherein the micro-service architecture employs a spring closed micro-service architecture, Eureka as a micro-service registry, and spring closed gateway as a service gateway to provide flexible configuration-based highly available routing and throttling functions.
7. The system for managing post-loan handling of micro-service architecture according to claim 6, wherein the plurality of micro-service systems are divided based on a micro-service architecture system obtained by analyzing a post-loan service model; and the micro service systems adopt a standard HTTP protocol, call each other through a Fegin component, and support fusing and degrading under the support of Hystrix.
8. The micro-services architecture post-credit management system of claim 2, wherein the case operation service system comprises: the system comprises a case management module and a case intelligent distribution module;
the case management module carries out tagging management on the entrusted cases, carries out big data retrieval and analysis on entrusted case data, and obtains corresponding case tags on the basis of an analysis model, wherein each entrusted case is marked with a corresponding case tag;
the intelligent case distribution module is used for positioning case characteristics of each consignment case based on case labels marked on each consignment case in the case management module, and matching corresponding collectors and collecting schemes in the collector drawing through the case characteristics.
9. The microservice-architecture post-lending management system according to claim 8, wherein the case execution service system comprises an acquirer management module and an acquirer management module;
the system comprises a collector urging management module, a collector urging management module and a plurality of collector urging management modules, wherein the collector urging management module marks a collector urging label for each collector urging according to the collector urging operation completion degree and feedback characteristics of the collector urging, and the collector urging label represents the collection urging characteristics of the collector urging;
matching judgment is carried out on the case characteristics and the label of the collector urging, if the similarity between the case characteristics and the label of the collector urging is judged to be larger than a preset value, the case characteristics are determined to be matched with the collector urging, the entrusted case is automatically and intelligently distributed to the collector urging, and a corresponding collection urging scheme is corresponded;
and the collection urging scheme management module scores according to the collection urging result of the collection urging scheme, evaluates the score of each collection urging scheme and updates the score of the collection urging scheme by taking 24 hours as a period.
10. A post-loan management system of the micro-service architecture of claim 1, wherein the case operation service system comprises a debtor representation generation model and a debtor representation update model;
the debtor portrait generation model is used for learning and analyzing large data of a large number of debtors to form a basic debtor portrait;
the debtor portrait updating model is used for updating the debtor portrait on the basis of the basic debtor portrait;
receiving new characteristics or behavior description of the debtor, calculating the matching degree of the new characteristics or behavior description and the characteristics or behavior description of the basic debtor portrait, if the calculation result of the matching degree is larger than a threshold value, forming a new characteristic label by the new characteristics or behavior description, adding the new characteristic label to the basic debtor portrait, and forming an updated debtor portrait;
if the matching degree calculation result is smaller than a threshold value, calculating the frequency of the new feature or behavior description appearing in a preset time range, if the frequency is between a preset minimum frequency value and a preset maximum frequency value, setting the new feature or behavior description as a possibility label, if the coincidence rate of the possibility label in a certain time reaches a set coincidence rate threshold value, setting the possibility label as a new feature label, and adding the new feature label into the basic debtor portrait to form an updated debtor portrait;
if the frequency is larger than the preset maximum frequency value, adding the new characteristic label into the basic debtor portrait to form an updated debtor portrait;
if the frequency is smaller than a preset minimum frequency value, deleting the new characteristic or behavior description, and storing the new characteristic or behavior description as a sudden characteristic in a sudden characteristic memory; if the storage capacity of the bursty feature memory reaches 90%, the bursty feature is set as a possibility tag.
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