CN115063156A

CN115063156A - Risk processing method, device and equipment

Info

Publication number: CN115063156A
Application number: CN202210743315.XA
Authority: CN
Inventors: 滕繁; 万宇腾; 张克旋; 吴星; 许书舟
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2022-06-28
Filing date: 2022-06-28
Publication date: 2022-09-16

Abstract

The embodiment of the specification discloses a risk processing method, a risk processing device and risk processing equipment, wherein the method comprises the following steps: acquiring risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive project information required by risk report of the preset risk type; when a risk reporting instruction of a target user for a preset risk type is received, providing an interactive page for the target user; acquiring corresponding target project content provided by a target user aiming at interactive project information in an interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content; and determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk examination strategy, and generating a reporting result corresponding to the risk reporting instruction.

Description

Risk processing method, device and equipment

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method, an apparatus, and a device for processing a risk.

Background

At present, complaints or reporting mechanisms are usually arranged on an internet platform and are mainly used for solving various problems of complaints or risk reports of users of the internet platform, but at present, the complaints or reporting mechanisms describe encountered problems and upload related reporting materials according to a reporting mode fixed on a corresponding page by the users, and after a reporting case is generated, the reporting case is manually checked and qualified, so that the workload of manual checking is huge.

Disclosure of Invention

It is an object of embodiments of the present specification to provide a new reporting link to support new reporting procedures and new risk types to reduce resource consumption and human resource consumption.

In order to implement the above technical solution, the embodiments of the present specification are implemented as follows:

the method for processing risks provided by the embodiment of the specification comprises the following steps: the method comprises the steps of obtaining risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive item information required by risk report of the preset risk type, and the interactive item information is used for providing corresponding item content for a user requesting the risk report. And when a risk reporting instruction of the target user aiming at the preset risk type is received, providing the interactive page for the target user. And acquiring corresponding target project content provided by the target user aiming at the interactive project information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content. And determining whether the target item content provided by the target user has risks or not based on the target structured data corresponding to the target item content and a pre-configured risk examination policy, and generating a reporting result corresponding to the risk reporting instruction.

The method for processing risks provided by the embodiment of the specification comprises the following steps: receiving a risk reporting configuration request which is sent by a server and aims at a preset risk type corresponding to a risk existing in a target service, wherein the risk reporting configuration request is sent by the server when the preset risk type is not included in the risk type corresponding to the risk existing in the target service. Acquiring a plurality of function controls set according to the preset risk type and layout information of the function controls, wherein the function controls are provided with interactive project information required for risk reporting of the preset risk type. And generating risk report configuration information aiming at the preset risk type based on the plurality of functional controls and the layout information of the plurality of functional controls. Sending the risk reporting configuration information to the server, wherein the risk reporting configuration information is used for triggering the server to generate an interactive page based on the risk reporting configuration information, and when receiving a risk reporting instruction of a target user for the preset risk type, providing the interactive page for the target user, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content, determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk management strategy, and generating a reporting result corresponding to the risk reporting instruction.

The device for processing risks provided by the embodiment of the specification comprises: the page generation module is used for acquiring risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive project information required by risk report of the preset risk type, and the interactive project information is used for providing corresponding project contents for a user requesting the risk report. And the page presentation module is used for providing the interactive page for the target user when receiving a risk reporting instruction of the target user aiming at the preset risk type. And the data processing module is used for acquiring corresponding target project content provided by the target user aiming at the interactive project information in the interactive page, and carrying out data structuring processing on the target project content to obtain target structured data corresponding to the target project content. And the auditing module is used for determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk auditing strategy, and generating a reporting result corresponding to the risk reporting instruction.

The device for processing risks provided by the embodiment of the specification comprises: the configuration request receiving module is used for receiving a risk reporting configuration request which is sent by a server and is aimed at a preset risk type corresponding to the risk existing in the target service, wherein the risk reporting configuration request is sent by the server when the preset risk type is not included in the risk types corresponding to the risk existing in the target service. The information acquisition module acquires a plurality of functional controls set according to the preset risk types and layout information of the functional controls, and interactive project information required for risk reporting of the preset risk types is set in the functional controls. And the configuration information generation module is used for generating risk reporting configuration information aiming at the preset risk type based on the plurality of functional controls and the layout information of the plurality of functional controls. A configuration information sending module, configured to send the risk report configuration information to the server, where the risk report configuration information is used to trigger the server to generate an interactive page based on the risk report configuration information, and when receiving a risk reporting instruction of a target user for the preset risk type, providing the interactive page for the target user, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content, determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk management strategy, and generating a reporting result corresponding to the risk reporting instruction.

The embodiment of the present specification provides a risk processing device, where the risk processing device includes: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to: the method comprises the steps of obtaining risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive item information required by risk report of the preset risk type, and the interactive item information is used for providing corresponding item content for a user requesting the risk report. And when a risk reporting instruction of the target user aiming at the preset risk type is received, providing the interactive page for the target user. And acquiring corresponding target project content provided by the target user aiming at the interactive project information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content. And determining whether the target item content provided by the target user has risks or not based on the target structured data corresponding to the target item content and a pre-configured risk examination policy, and generating a reporting result corresponding to the risk reporting instruction.

The embodiment of the present specification provides a risk processing device, where the risk processing device includes: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to: receiving a risk reporting configuration request which is sent by a server and aims at a preset risk type corresponding to a risk existing in a target service, wherein the risk reporting configuration request is sent by the server when the preset risk type is not included in the risk type corresponding to the risk existing in the target service. Acquiring a plurality of function controls set according to the preset risk type and layout information of the function controls, wherein the function controls are provided with interactive project information required for risk reporting of the preset risk type. And generating risk report configuration information aiming at the preset risk type based on the plurality of functional controls and the layout information of the plurality of functional controls. Sending the risk reporting configuration information to the server, wherein the risk reporting configuration information is used for triggering the server to generate an interactive page based on the risk reporting configuration information, and when receiving a risk reporting instruction of a target user for the preset risk type, providing the interactive page for the target user, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content, determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk management strategy, and generating a reporting result corresponding to the risk reporting instruction.

Embodiments of the present specification also provide a storage medium for storing computer-executable instructions, which when executed by a processor implement the following processes: the method comprises the steps of obtaining risk report configuration information set according to a preset risk type corresponding to the risk of a target service, and generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive project information required by risk report of the preset risk type, and the interactive project information is used for providing corresponding project content for a user requesting the risk report. And when a risk reporting instruction of the target user aiming at the preset risk type is received, providing the interactive page for the target user. And acquiring corresponding target project content provided by the target user aiming at the interactive project information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content. And determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk examination strategy, and generating a reporting result corresponding to the risk reporting instruction.

Embodiments of the present specification also provide a storage medium for storing computer-executable instructions, which when executed by a processor implement the following processes: receiving a risk report configuration request, sent by a server, of a preset risk type corresponding to a risk existing in a target service, where the risk report configuration request is sent by the server when the server detects that the preset risk type is not included in the risk type corresponding to the risk existing in the target service. Acquiring a plurality of function controls set according to the preset risk type and layout information of the function controls, wherein the function controls are provided with interactive project information required for risk reporting of the preset risk type. And generating risk report configuration information aiming at the preset risk type based on the plurality of functional controls and the layout information of the plurality of functional controls. Sending the risk report configuration information to the server, wherein the risk report configuration information is used for triggering the server to generate an interactive page based on the risk report configuration information, and when receiving a risk reporting instruction of a target user for the preset risk type, providing the interactive page for the target user, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content, determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk management strategy, and generating a reporting result corresponding to the risk reporting instruction.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.

FIG. 1A illustrates an embodiment of a risk management method of the present disclosure;

FIG. 1B is a schematic illustration of a risk management process according to the present disclosure;

FIG. 2 is a schematic diagram of a risk management system according to the present disclosure;

FIG. 3 is a schematic illustration of another risk management process described herein;

FIG. 4 is a schematic illustration of another risk management process described herein;

FIG. 5 is a schematic illustration of another risk management process described herein;

FIG. 6 is a schematic illustration of another risk management process described herein;

FIG. 7A illustrates another embodiment of a risk management method of the present disclosure;

FIG. 7B is a schematic illustration of a further risk management process described herein;

FIG. 8 is an embodiment of a risk management device according to the present disclosure;

FIG. 9 is another risk management device embodiment of the present disclosure;

fig. 10 is an embodiment of a risk processing apparatus according to the present disclosure.

Detailed Description

The embodiment of the specification provides a risk processing method, device and equipment.

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

Example one

As shown in fig. 1A and 1B, an execution subject of the method may be a server or a terminal device, where the terminal device may be a mobile terminal device such as a mobile phone and a tablet computer, a computer device such as a notebook computer or a desktop computer, or an IoT device (specifically, a smart watch, a vehicle-mounted device, etc.), or a preset implement with a certain function, and the like. The server may be an independent server, or a server cluster formed by a plurality of servers, and the server may be a background server of financial service or online shopping service, or a background server of an application program. The method can be applied to relevant scenes of services such as complaint or reporting functions, and the server is taken as an execution subject in the embodiment for detailed description, and for the situation of the terminal device, the following relevant contents can be referred to, and are not described herein again. The method may specifically comprise the steps of:

in step S102, risk report configuration information set according to a preset risk type corresponding to a risk existing in the target service is acquired, and an interactive page is generated based on the risk report configuration information, where the interactive page includes interactive item information required for risk report of the preset risk type, and the interactive item information is used for a user requesting the risk report to provide corresponding item content.

The target service may be any service, such as a commodity transaction service, a transfer service, an insurance service, a biometric identification service (where biometric identification may be biometric identification based on fingerprint information, biometric identification based on palm print information, biometric identification based on facial information, or biometric identification based on iris information, which may be set according to actual conditions, and this is not limited in the embodiments of the present specification), and the like. The risks of the target service may include multiple risks, such as a fraud risk, risks related to violation problems of service providers, risks of sensitive information disclosure, and the like, different target services may have different risks, and one risk may be included for the same service, or multiple risks may also be included for the same service, which may be specifically set according to actual situations, and the embodiment of the present specification does not limit this. The risk reporting configuration information may be information for configuring a report for a certain risk initiated by a user or a path corresponding to a complaint, and a complete complaint or reported path may be provided for the user through the risk reporting configuration information. The interactive item information may be information such as names of items related to information interaction between the user and an enterprise or institution party corresponding to the target service, for example, whether the capital loss, the capital loss source, the loss amount, and the like exist, the user may fill in corresponding item content according to the names of the items, if the item content corresponding to the capital loss item exists, the item content corresponding to the capital loss source item may be "yes" or "no", the item content corresponding to the capital loss source item may be "acting as an agent for the other party, paying an agent fee", and the item content corresponding to the loss amount item may be "10 ten thousand yuan", and the like. The interactive page may be a page for complaints or reports about a certain risk type, the interactive page may include a plurality of interactive item information, each interactive item information may be provided with a filling area of the item content or selectable information of the item content, for example, if the interactive item information is "whether there is a fund loss", an input box may be provided after "whether there is a fund loss" so that the user inputs the item content such as "yes" or "no", or two single options such as "yes" and "no" may be provided so that the user selects one item as the item content, and the like.

In implementation, at present, a complaint or reporting mechanism is usually provided on the internet platform, and the complaint or reporting mechanism is mainly used for solving various problems of risk complaints or risk reports and the like of users of the internet platform, however, in the current various complaint reporting mechanisms, users describe encountered problems and upload related reporting materials according to a fixed reporting mode on a corresponding page, after reported cases are generated, the reported cases are qualitatively examined manually, therefore, the workload of manual review is huge, in addition, new risk types always appear on the Internet platform, corresponding reporting or complaint mechanisms (or reporting scenes) also need to be reset, therefore, the cost of the reporting link is increased, and the resource consumption is high, and therefore, a new reporting link is required to be provided to support a new reporting flow and a new risk type, so as to reduce the resource consumption and the human resource consumption. The embodiment of the present specification provides an implementable technical solution, which may specifically include the following contents:

for the new risk types in the target service, a new reporting or complaint mechanism may be set, specifically, a corresponding reporting mechanism may be set according to the key features or characteristics of the new risk types, for example, for the risk of fraud, the key features or characteristics may be whether to impersonate an organization or organization, whether there is a fund loss, the amount of lost money, the use of fund, etc., a corresponding question-answering mechanism may be set according to the key features or characteristics, the question-answering mechanism may not cover all the features, and the device may further be configured to collect evidence-holding information provided by the user, and may be specifically set according to the actual situation. Based on the processing, setting corresponding risk reporting configuration information according to a preset risk type corresponding to a risk existing in the target service can be achieved, corresponding components, controls and the like can be obtained based on the risk reporting configuration information, interactive item information required for risk reporting of the preset risk type in the obtained components, controls and the risk reporting configuration information, the mutual association relation, the display sequence and the like of the components and the controls can be obtained, page typesetting is carried out based on a preset typesetting mode, the interactive item information and the layout position or area of the information in a page are obtained, and an interactive page can be generated based on the page style after layout.

It should be noted that, in practical applications, the interactive page may be one page or multiple pages (e.g., two pages or three pages, etc.), if the interactive page is multiple pages, different pages may be provided to the target user at different times or under different conditions according to actual conditions, for example, the interactive page includes two pages, one of the pages includes interactive item information such as an account number, a mobile phone number, a verification code, and the like, the page may be first sent to the user, the user may request the verification code from an enterprise or an organization party corresponding to the target service after filling in corresponding item content, the enterprise or the organization party may send the verification code to the target user, the target user may fill in the verification code at the interactive item information after receiving the verification code, and after completion of filling in, the information in the page may be sent to the enterprise or the organization party, the enterprise or institution verifies the verification code to verify the identity of the user. After the verification is passed, another page may be sent to the target user, where the another page may include detailed information and the like required for risk reporting of the preset risk type.

In step S104, when a risk reporting instruction for a preset risk type by the target user is received, the interactive page is provided to the target user.

In implementation, as shown in fig. 2, if a certain user (i.e. a target user) finds a certain risk in a target service, the risk may be reported, specifically, an application program for executing the target service may be installed in a terminal device of the target user, when the target user needs to execute the target service, the application program may be started, and a transaction entry of the target service may be found in a page of the application program, so as to execute the target service, during the process of executing the target service, if the target user finds a risk in the target service, a reporting key or a complaint key in a corresponding page may be clicked, at this time, the terminal device may generate a risk reporting instruction for a preset risk type, and may send the risk reporting instruction to a server, after the server receives the risk reporting instruction for the preset risk type, the generated interactive page can be obtained, and the interactive page can be provided to the target user.

In step S106, corresponding target item content provided by the target user for the interactive item information in the interactive page is obtained, and data structuring processing is performed on the target item content, so as to obtain target structured data corresponding to the target item content.

The structured data can be data logically expressed and realized by a two-dimensional table structure, the structured data strictly follows the data format and length specification and can be stored and managed by a relational database, and the structured data is the unstructured data which is not suitable for being expressed by the two-dimensional table of the database and comprises office documents, XML, HTML, various reports, pictures, audio, video information and the like in all formats.

In implementation, after the target user acquires the interactive page, corresponding project content (i.e. target project content) may be filled according to interactive project information provided in the interactive page, after the filling is completed, the target project content filled in the interactive page may be sent to the server, the server may analyze the target project content filled by the target user, determine unstructured data and structured data contained therein, and whether the structured data satisfies a specified data structure, may convert the structured data satisfying the specified data structure in the target project content, and may convert the unstructured data or the structured data not satisfying the specified data structure into the structured data of the specified data structure, so as to perform data structuring processing on the target project content, in actual application, the specific processing manner of performing data structuring processing on the target project content may be various, for example, unstructured data or structured data that does not satisfy a specified data structure can be converted to structured data of the specified data structure by a preset rule, alternatively, unstructured data or structured data that does not satisfy a specified data structure may be converted to structured data of the specified data structure by way of a decision tree, or, a neural network model may also be trained in a deep learning manner (where a full connection layer may be constructed in the neural network model, and training and reasoning of the model may be performed through the full connection layer and a set label), and the trained neural network model converts unstructured data or structured data that does not satisfy a specified data structure into structured data of the specified data structure, and the like, which may be specifically set according to an actual situation, and this is not limited in this description embodiment.

In step S108, based on the target structured data corresponding to the target item content and the pre-configured risk auditing policy, it is determined whether the target item content provided by the target user has a risk, and a reporting result corresponding to the risk reporting instruction is generated.

The risk management strategy can be used for managing the effectiveness of the risk reported by the target user, if the risk reported by the target user is determined to exist really, the reporting effectiveness of the target user can be determined, the risk management strategy can comprise multiple and different services, the corresponding risk management strategies can be different, one service can comprise one or more different risk management strategies, and in addition, the corresponding risk management strategies can also be different for different risks corresponding to the same service. The specific configuration may be set according to actual conditions, and this is not limited in the embodiments of the present specification.

In implementation, a corresponding risk auditing strategy can be set according to different services and the types of risks corresponding to the services, and the target service, the preset risk types and the corresponding risk auditing strategies can be correspondingly stored. After the target structured data corresponding to the target project content is obtained in the above manner, the risk auditing strategy corresponding to the target service and/or the preset risk type can be obtained, the target structured data can be respectively matched with the risk auditing strategies, so that the risk auditing strategy matched with the target structured data is determined, the target structured data can be processed based on the determined risk auditing strategy to obtain a corresponding processing result, based on the processing result, whether the target project content provided by the target user has a risk or not can be determined, and a reporting result corresponding to the risk reporting instruction can be generated.

The embodiment of the specification provides a risk processing method, which includes the steps of acquiring risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, generating an interactive page based on the risk report configuration information, wherein the interactive page includes interactive item information required by risk report of the preset risk type, providing the interactive page to a target user when a risk report instruction of the target user for the preset risk type is received, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, performing data structuring processing on the target item content to obtain target structured data corresponding to the target item content, and determining whether the target item content provided by the target user has a risk based on the target structured data corresponding to the target item content and a preset risk examination policy, and generating a reporting result corresponding to the risk reporting instruction, so that an interactive page of the risk reporting can be automatically generated through the risk reporting configuration information, when a new risk type exists, the reporting scene can be quickly responded, the page development cost is reduced, and the risk response speed is increased. In addition, by carrying out the data structuring processing, unstructured data such as report content information (namely target project content) provided by a target user is subjected to the data structuring processing, the processed data is changed into structured data, and the structured data is finally automatically audited through a risk audit strategy, so that the human resources of the risk audit are reduced.

Example two

As shown in fig. 3, an execution subject of the method may be a server or a terminal device, where the terminal device may be a mobile terminal device such as a mobile phone and a tablet computer, a computer device such as a notebook computer or a desktop computer, an IoT device (specifically, a smart watch, a vehicle-mounted device, etc.), or a preset implement with a certain function. The server may be an independent server, or a server cluster formed by a plurality of servers, and the server may be a background server of financial service or online shopping service, or a background server of an application program. The method can be applied to relevant scenes of services such as complaint or reporting functions, and the server is taken as an execution subject in the embodiment for detailed description, and for the situation of the terminal device, the following relevant contents can be referred to, and are not described herein again. The method may specifically comprise the steps of:

in step S302, risk data generated for risks existing in the target business is acquired, and the risk data includes unstructured data.

In implementation, reporting information or complaint information reported by different users in a target service for a certain risk or multiple different risks may be acquired, the acquired historical reporting information or complaint information may be used as risk data generated for risks existing in the target service, and the risk data (i.e., the historical reporting information or the historical complaint information) may include structured data and unstructured data or may only include unstructured data.

In step S304, model training is performed on the data conversion model through the risk data and a preset loss function, so as to obtain a trained data conversion model.

The data conversion model may be configured in a variety of different ways, for example, a neural network model, specifically, a fully-connected network model, etc., is provided to be trained in a deep learning manner in the above-described example, or a corresponding data conversion model may be configured by a preset rule as described above, or a decision tree model may be configured, and the configured decision tree model is used as the data conversion model, and specifically, may be set according to an actual situation.

In implementation, the risk data may be input into a data conversion model to obtain corresponding output data (i.e., converted structured data), a corresponding loss value may be calculated by using a preset loss function through real structured data and output data corresponding to the risk data, if the loss value does not satisfy a convergence condition, a model parameter in the data conversion model is adjusted, and a corresponding loss value is obtained again in the foregoing manner, if the loss value does not satisfy the convergence condition, a model parameter in the data conversion model is adjusted, and the data conversion model is trained again in the foregoing manner until the data conversion model converges, and finally, the trained data conversion model may be obtained.

In step S306, when it is detected that the risk type corresponding to the risk existing in the target service does not include the preset risk type, a risk report configuration request for the preset risk type is sent to the management terminal, where the risk report configuration request is used to trigger the management terminal to set corresponding risk report configuration information for the preset risk type.

The management terminal may be a terminal device used by an enterprise or an organization corresponding to the target service, and the management terminal may be a mobile terminal device such as a mobile phone and a tablet computer, or a computer device such as a notebook computer or a desktop computer.

In implementation, the server may detect whether the risk types corresponding to the risks existing in the target service are increased regularly or irregularly, if it is detected that a newly increased preset risk type occurs in the risk types corresponding to the risks existing in the target service, the server may send a risk report configuration request for the preset risk type to the management terminal, and after receiving the risk report configuration request, the management terminal may analyze the risks of the preset risk type to determine characteristics, features, or characteristics of the risks of the preset risk type, and then may set risk report configuration information that conforms to the preset risk type based on the characteristics, features, or characteristics of the risks of the preset risk type, and in actual application, in order to reduce the need of performing a large amount of manual processing in the process of setting the risk report configuration information, different program modules may be written in advance, each program module can realize one or more functions, so that the corresponding program module can be selected based on the characteristics, features or characteristics of the risk of the preset risk type, and the selected program modules can be arranged and combined to obtain the risk reporting configuration information capable of embodying the preset risk type.

In practical application, the processing mode that the management terminal sets corresponding risk reporting configuration information for a preset risk type may be various, and the following provides a selectable processing mode, which may specifically include: the risk reporting configuration information is formed by arranging and combining a plurality of functional controls, wherein the plurality of functional controls comprise a starting control, an ending control and a page control, and one or more of the following functional controls: the system comprises a title control, a sequence control and a judgment control, wherein the starting control is a trigger control for starting risk reporting, the ending control is a trigger control for ending the risk reporting process, the page control is a control for bearing an interactive page for displaying interactive item information to a target user, the title control and the sequence control are used for collecting target item content, and the judgment control is used for judging whether the target item content has risks.

In implementation, as shown in fig. 4, 6 basic function controls of the interactive page can be configured according to actual situations, which are a start control, a title control, a page control, a sequence control, a judgment control, and an end control. The page control is a control for bearing an interactive page for showing interactive project information to a target user, and a title control, a judgment control, a sequence control, an ending control and the like can be used in the page control. The title control can be used to collect structured data that is filled out by the target user. The sequence control can be used for collecting the evidence information of the target user, the evidence information can be converted into structured data, and the data acquired through the question control and the sequence control can be processed through a risk auditing strategy and used for a subsequent report auditing link, so that an automatic auditing mechanism is realized, and manual auditing is not needed. The judgment control can be used for returning the converted structured data, or performing query interaction with an external system, querying related information, performing flow control of a subsequent page according to corresponding result information, and the like. The title control, the judgment control, the sequence control, the ending control and the like can be used in the page control, and finally, an interactive page filled in the report content displayed by the target user can be configured through the combination of different controls.

Further, it should be noted that the title control can include one or more of the following types: a single-selection topic sub-control, a multi-selection topic sub-control, a bill topic sub-control, and a scoring topic sub-control. The ending control may include one or more of the following types: and ending the sub-control, ending and jumping to a page corresponding to the preset URL, and ending and jumping to risk reporting scenes corresponding to other risk types except the preset risk type. One or more of a title control, a sequence control, an ending control and a judgment control are arranged in the page control.

In step S308, risk report configuration information sent by the management terminal and set according to a preset risk type corresponding to the risk existing in the target service is received.

In step S310, interactive item information required for risk reporting of a preset risk type is determined based on the risk reporting configuration information.

In step S312, an interactive page is generated based on the interactive item information required for risk reporting of the preset risk type.

In implementation, as shown in fig. 5, taking the preset risk type as an example of the violation problem of the facilitator, the generated interactive page may include "whether there is a fund loss", "a source of the fund loss", and a specific violation problem of the counterparty ", and for each piece of interactive item information, corresponding target item content (specifically," there is a fund loss "," acting as a counterparty, paying a proxy fee "," forging a xxx authorization book for recruiting a reseller ", etc.) filled by the target user. In practical applications, the interactive page shown in fig. 5 is only an implementable or selectable manner, and may include a plurality of manners in addition to the foregoing manners, which may be specifically set according to practical situations, and this is not limited in this embodiment of the present specification.

In step S314, when a risk reporting instruction for a preset risk type by the target user is received, the interactive page is provided to the target user.

In step S316, the corresponding target item content provided by the target user for the interactive item information in the interactive page is obtained.

See the above related contents and fig. 5, which are not described herein again.

In step S318, the target item content is input into a pre-trained data conversion model, and the data conversion model performs data structuring on the target item content to obtain target structured data corresponding to the target item content.

In step S320, based on the target structured data corresponding to the target item content and the pre-configured risk auditing policy, determining whether the target item content provided by the target user has a risk, and generating a reporting result corresponding to the risk reporting instruction.

As shown in fig. 6, the processing procedure of fig. 6 can obtain whether the content of the target item provided by the target user is at risk or not and a reporting result corresponding to the risk reporting instruction.

EXAMPLE III

As shown in fig. 7A and 7B, an execution subject of the method may be a management terminal, where the management terminal may be a mobile terminal device such as a mobile phone and a tablet computer, and may also be a computer device such as a notebook computer or a desktop computer. The method can be applied to relevant scenes of services such as complaint or reporting functions. The method may specifically comprise the steps of:

in step S702, a risk reporting configuration request of a preset risk type corresponding to a risk existing in the target service, which is sent by the server, is received, where the risk reporting configuration request is sent when the server detects that the preset risk type is not included in the risk types corresponding to the risk existing in the target service.

In step S704, a plurality of function controls and layout information of the plurality of function controls set for the preset risk type are obtained, and the function controls are provided with interactive item information required for risk reporting of the preset risk type.

In implementation, as shown in fig. 4, a configuration page for risk reporting may be opened through the management terminal, where the configuration page may include the 6 function controls described above, the function controls to be used may be sequentially selected from the 6 function controls provided on the left side of the configuration page, and corresponding layout information may be set for the selected function controls, for example, as shown in the flow diagram on the right side in fig. 4, after the setting is completed, a save button in the configuration page may be clicked, so that layout information of a plurality of function controls and a plurality of function controls set for a preset risk type may be obtained.

In step S706, risk report configuration information for a preset risk type is generated based on the plurality of functional controls and the layout information of the plurality of functional controls.

In step S708, the risk reporting configuration information is sent to the server, where the risk reporting configuration information is used to trigger the server to generate an interactive page based on the risk reporting configuration information, and when a risk reporting instruction for a preset risk type of a target user is received, the interactive page is provided to the target user, corresponding target item content provided by the target user for interactive item information in the interactive page is obtained, and data structuring processing is performed on the target item content, so as to obtain target structured data corresponding to the target item content, and based on the target structured data corresponding to the target item content and a pre-configured risk examination policy, whether risk exists in the target item content provided by the target user is determined, and a reporting result corresponding to the risk reporting instruction is generated.

It should be noted that the risk reporting configuration information is formed by laying out and combining a plurality of functional controls, where the plurality of functional controls include a start control, an end control, and a page control, and one or more of the following functional controls: the system comprises a title control, a sequence control and a judgment control, wherein the starting control is a trigger control for starting risk reporting, the ending control is a trigger control for ending the risk reporting process, the page control is a control for bearing an interactive page for displaying interactive item information to a target user, the title control and the sequence control are used for collecting target item content, and the judgment control is used for judging whether the target item content has risks.

Further, the title controls can include one or more of the following types: a single-selection topic sub-control, a multi-selection topic sub-control, a bill topic sub-control, and a scoring topic sub-control. The ending control may include one or more of the following types: and ending the sub-control, ending and jumping to a page corresponding to the preset URL, and ending and jumping to risk reporting scenes corresponding to other risk types except the preset risk type. One or more of a title control, a sequence control, an ending control and a judgment control are arranged in the page control. For details, reference may be made to the above related contents, which are not described herein again.

Example four

Based on the same idea, as shown in fig. 8, the method for processing a risk provided by the embodiment of the present specification further provides a risk processing apparatus, where the risk processing apparatus includes a page generation module 801, a page presentation module 802, a data processing module 803, and an auditing module 804, where:

the page generation module 801 is configured to acquire risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generate an interactive page based on the risk report configuration information, where the interactive page includes interactive item information required for risk report of the preset risk type, and the interactive item information is used for a user requesting risk report to provide corresponding item content;

the page presenting module 802, when receiving a risk reporting instruction of a target user for the preset risk type, provides the interactive page to the target user;

the data processing module 803 is configured to obtain corresponding target item content provided by the target user for the interactive item information in the interactive page, and perform data structuring on the target item content to obtain target structured data corresponding to the target item content;

and the auditing module 804 determines whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk auditing strategy, and generates a reporting result corresponding to the risk reporting instruction.

In this embodiment of this specification, the page generating module 801 includes:

the project determining unit is used for determining interactive project information required by risk reporting of the preset risk type based on the risk reporting configuration information;

and the page generation unit is used for generating an interactive page based on the interactive item information required for the risk report of the preset risk type.

In an embodiment of this specification, the risk reporting configuration information is formed by laying out and combining a plurality of functional controls, where the plurality of functional controls include a start control, an end control, and a page control, and one or more of the following functional controls: the system comprises a title control, a sequence control and a judgment control, wherein the start control is a trigger control for starting risk reporting, the end control is a trigger control for ending the process of risk reporting, a page control is a control for bearing an interactive page showing interactive project information to a target user, the title control and the sequence control are used for collecting target project content, and the judgment control is a control for judging whether the target project content has risks.

In an embodiment of the present specification, the title control includes one or more of the following types: the system comprises a single-selection question sub-control, a multi-selection question sub-control, a bill question sub-control and a scoring question sub-control; the end control includes one or more of the following types: ending the sub-control, ending and jumping to a page corresponding to a preset URL, and ending and jumping to a risk reporting scene corresponding to other risk types except the preset risk type; and one or more of the title control, the sequence control, the ending control and the judgment control are arranged in the page control.

In this embodiment of the present specification, the data processing module 803 inputs the target item content into a pre-trained data conversion model, and performs data structuring processing on the target item content through the data conversion model to obtain target structured data corresponding to the target item content.

In an embodiment of this specification, the apparatus further includes:

the sample acquisition module is used for acquiring risk data generated aiming at risks existing in the target business, wherein the risk data comprises unstructured data;

and the model training module is used for carrying out model training on the data conversion model through the risk data and a preset loss function to obtain a trained data conversion model.

a configuration request unit, configured to send a risk report configuration request for a preset risk type to a management terminal when detecting that the risk type corresponding to the risk existing in the target service does not include the preset risk type, where the risk report configuration request is used to trigger the management terminal to set corresponding risk report configuration information for the preset risk type;

and the configuration information acquisition unit is used for receiving the risk report configuration information which is sent by the management terminal and is set according to the preset risk type corresponding to the risk existing in the target service.

The embodiment of the present specification provides a risk processing apparatus, which obtains risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generates an interactive page based on the risk report configuration information, where the interactive page includes interactive item information required for performing risk report of the preset risk type, and when a risk report instruction for a preset risk type by a target user is received, provides the interactive page to the target user, obtains corresponding target item content provided by the target user for the interactive item information in the interactive page, and performs data structuring on the target item content to obtain target structured data corresponding to the target item content, and determines whether the target item content provided by the target user has a risk based on the target structured data corresponding to the target item content and a preset risk examination policy, and generating a reporting result corresponding to the risk reporting instruction, so that an interactive page of the risk reporting can be automatically generated through the risk reporting configuration information, when a new risk type exists, the reporting scene can be quickly responded, the page development cost is reduced, and the risk response speed is increased. In addition, by carrying out the data structuring processing, unstructured data such as report content information (namely target project content) provided by a target user is subjected to the data structuring processing, the processed data is changed into structured data, and the structured data is finally automatically audited through a risk audit strategy, so that the human resources of the risk audit are reduced.

EXAMPLE five

Based on the same idea, as shown in fig. 9, an embodiment of the present specification further provides a risk processing apparatus, where the risk processing apparatus includes a configuration request receiving module 901, an information obtaining module 902, a configuration information generating module 903, and a configuration information sending module 904, where:

a configuration request receiving module 901, configured to receive a risk report configuration request of a preset risk type corresponding to a risk existing in a target service, where the risk report configuration request is sent by a server when the server detects that a risk type corresponding to a risk existing in the target service does not include the preset risk type;

an information obtaining module 902, configured to obtain a plurality of function controls set for the preset risk type and layout information of the function controls, where the function controls are provided with interactive item information required for risk reporting of the preset risk type;

a configuration information generating module 903, configured to generate risk reporting configuration information for the preset risk type based on the plurality of functional controls and layout information of the plurality of functional controls;

a configuration information sending module 904, sending the risk reporting configuration information to the server, the risk reporting configuration information is used to trigger the server to generate an interaction page based on the risk reporting configuration information, and when receiving a risk reporting instruction of a target user for the preset risk type, providing the interactive page for the target user, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content, determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk management strategy, and generating a reporting result corresponding to the risk reporting instruction.

The embodiment of the present specification provides a risk processing apparatus, which obtains risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generates an interactive page based on the risk report configuration information, where the interactive page includes interactive item information required for performing risk report of the preset risk type, and when a risk report instruction for a preset risk type by a target user is received, provides the interactive page to the target user, obtains corresponding target item content provided by the target user for the interactive item information in the interactive page, and performs data structuring on the target item content to obtain target structured data corresponding to the target item content, and determines whether the target item content provided by the target user has a risk based on the target structured data corresponding to the target item content and a preset risk examination policy, and generating a reporting result corresponding to the risk reporting instruction, so that an interactive page for risk reporting can be automatically generated through the risk reporting configuration information, when a new risk type exists, a reporting scene can be quickly responded, the page development cost is reduced, and the risk response speed is increased. In addition, the data are structured, unstructured data such as the report content information (namely the target project content) provided by the target user are subjected to structured processing, the processed data are changed into structured data, and the structured data are automatically audited finally through a risk audit strategy, so that human resources for risk audit are reduced.

EXAMPLE six

Based on the same idea, the embodiment of the present specification further provides a risk processing device, as shown in fig. 10.

The risk processing device may provide a server, a terminal device or a management terminal for the above embodiments.

The processing devices at risk may vary significantly depending on configuration or performance, and may include one or more processors 1001 and memory 1002, where the memory 1002 may store one or more stored applications or data. Memory 1002 may be, among other things, transient storage or persistent storage. The application program stored in memory 1002 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for risk processing devices. Still further, the processor 1001 may be configured to communicate with the memory 1002 to execute a series of computer-executable instructions in the memory 1002 on a processing device at risk. The processing apparatus for risk may also include one or more power supplies 1003, one or more wired or wireless network interfaces 1004, one or more input-output interfaces 1005, one or more keyboards 1006.

In particular, in this embodiment, the risk processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the risk processing device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

acquiring risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive item information required by risk report of the preset risk type, and the interactive item information is used for providing corresponding item content for a user requesting the risk report;

when a risk reporting instruction of a target user for the preset risk type is received, providing the interactive page for the target user;

acquiring corresponding target project content provided by the target user aiming at the interactive project information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content;

and determining whether the target item content provided by the target user has risks or not based on the target structured data corresponding to the target item content and a pre-configured risk examination policy, and generating a reporting result corresponding to the risk reporting instruction.

In an embodiment of this specification, the generating an interactive page based on the risk reporting configuration information includes:

determining interactive item information required for risk reporting of the preset risk type based on the risk reporting configuration information;

and generating an interactive page based on the interactive item information required for the risk reporting of the preset risk type.

In this embodiment of the present specification, the risk reporting configuration information is formed by laying out and combining a plurality of function controls, where the plurality of function controls include a start control, an end control, and a page control, and one or more of the following function controls: the system comprises a title control, a sequence control and a judgment control, wherein the start control is a trigger control for starting risk reporting, the end control is a trigger control for ending the process of risk reporting, a page control is a control for bearing an interactive page showing interactive project information to a target user, the title control and the sequence control are used for collecting target project content, and the judgment control is a control for judging whether the target project content has risks.

In an embodiment of the present specification, the title control includes one or more of the following types: the system comprises a single-selection question sub-control, a multi-selection question sub-control, a bill question sub-control and a grading question sub-control; the end control includes one or more of the following types: ending the sub-control, ending and jumping to a page corresponding to a preset URL, and ending and jumping to a risk reporting scene corresponding to other risk types except the preset risk type; one or more of the title control, the sequence control, the ending control and the judgment control are arranged in the page control.

In this embodiment of this specification, the performing data structuring processing on the target item content to obtain target structured data corresponding to the target item content includes:

inputting the target item content into a pre-trained data conversion model, and performing data structuring processing on the target item content through the data conversion model to obtain target structured data corresponding to the target item content.

In the embodiment of this specification, the method further includes:

acquiring risk data generated aiming at risks existing in the target business, wherein the risk data comprises unstructured data;

and performing model training on the data conversion model through the risk data and a preset loss function to obtain a trained data conversion model.

In an embodiment of this specification, the obtaining risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service includes:

when detecting that the risk type corresponding to the risk existing in the target service does not include the preset risk type, sending a risk report configuration request aiming at the preset risk type to a management terminal, wherein the risk report configuration request is used for triggering the management terminal to set corresponding risk report configuration information aiming at the preset risk type;

and receiving risk report configuration information which is sent by the management terminal and is set according to a preset risk type corresponding to the risk of the target service.

receiving a risk reporting configuration request which is sent by a server and aims at a preset risk type corresponding to a risk existing in a target service, wherein the risk reporting configuration request is sent when the server detects that the preset risk type is not included in the risk type corresponding to the risk existing in the target service;

acquiring a plurality of function controls set for the preset risk type and layout information of the function controls, wherein the function controls are provided with interactive item information required for risk reporting of the preset risk type;

generating risk report configuration information aiming at the preset risk type based on the plurality of functional controls and the layout information of the plurality of functional controls;

sending the risk reporting configuration information to the server, wherein the risk reporting configuration information is used for triggering the server to generate an interactive page based on the risk reporting configuration information, and when receiving a risk reporting instruction of a target user for the preset risk type, providing the interactive page for the target user, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content, determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk management strategy, and generating a reporting result corresponding to the risk reporting instruction.

The embodiment of the present specification provides a risk processing device, which obtains risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generates an interactive page based on the risk report configuration information, where the interactive page includes interactive item information required for performing risk report of the preset risk type, and when a risk report instruction for a preset risk type by a target user is received, provides the interactive page to the target user, obtains corresponding target item content provided by the target user for the interactive item information in the interactive page, and performs data structuring on the target item content to obtain target structured data corresponding to the target item content, and determines whether the target item content provided by the target user has a risk based on the target structured data corresponding to the target item content and a preset risk examination policy, and generating a reporting result corresponding to the risk reporting instruction, so that an interactive page of the risk reporting can be automatically generated through the risk reporting configuration information, when a new risk type exists, the reporting scene can be quickly responded, the page development cost is reduced, and the risk response speed is increased. In addition, by carrying out the data structuring processing, unstructured data such as report content information (namely target project content) provided by a target user is subjected to the data structuring processing, the processed data is changed into structured data, and the structured data is finally automatically audited through a risk audit strategy, so that the human resources of the risk audit are reduced.

EXAMPLE seven

Further, based on the methods shown in fig. 1A to fig. 7B, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instruction information, in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and when the storage medium stores the computer-executable instruction information, the following process is implemented:

In an embodiment of the present specification, the title control includes one or more of the following types: the system comprises a single-selection question sub-control, a multi-selection question sub-control, a bill question sub-control and a scoring question sub-control; the end control includes one or more of the following types: ending the sub-control, ending and jumping to a page corresponding to a preset URL, and ending and jumping to a risk reporting scene corresponding to other risk types except the preset risk type; one or more of the title control, the sequence control, the ending control and the judgment control are arranged in the page control.

In the embodiment of this specification, the method further includes:

In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and when executed by the processor, the storage medium stores computer-executable instruction information that implement the following processes:

receiving a risk report configuration request which is sent by a server and aims at a preset risk type corresponding to a risk existing in a target service, wherein the risk report configuration request is sent when the server detects that the preset risk type is not included in the risk type corresponding to the risk existing in the target service;

acquiring a plurality of functional controls set for the preset risk types and layout information of the functional controls, wherein interactive project information required for risk reporting of the preset risk types is set in the functional controls;

The embodiment of the specification provides a storage medium, which is used for acquiring risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive item information required by risk report of the preset risk type, providing the interactive page for a target user when a risk report instruction of the target user for the preset risk type is received, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, performing data structuring processing on the target item content to obtain target structured data corresponding to the target item content, and determining whether the target item content provided by the target user has a risk based on the target structured data corresponding to the target item content and a preset risk examination policy, and generating a reporting result corresponding to the risk reporting instruction, so that an interactive page of the risk reporting can be automatically generated through the risk reporting configuration information, when a new risk type exists, the reporting scene can be quickly responded, the page development cost is reduced, and the risk response speed is increased. In addition, by carrying out the data structuring processing, unstructured data such as report content information (namely target project content) provided by a target user is subjected to the data structuring processing, the processed data is changed into structured data, and the structured data is finally automatically audited through a risk audit strategy, so that the human resources of the risk audit are reduced.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical blocks. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be conceived to be both a software module implementing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the various elements may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.

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

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

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable fraud case to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

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

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present specification, and is not intended to limit the present application. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims

1. A method of risk management, the method comprising:

and determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk examination strategy, and generating a reporting result corresponding to the risk reporting instruction.

2. The method of claim 1, the generating an interaction page based on the risk reporting configuration information comprising:

3. The method of claim 2, wherein the risk reporting configuration information is formed by laying out and combining a plurality of functionality controls, the plurality of functionality controls including a start control, an end control, and a page control, and one or more of the following functionality controls: the system comprises a title control, a sequence control and a judgment control, wherein the start control is a trigger control for starting risk reporting, the end control is a trigger control for ending the process of risk reporting, a page control is a control for bearing an interactive page showing interactive project information to a target user, the title control and the sequence control are used for collecting target project content, and the judgment control is a control for judging whether the target project content has risks.

4. The method of claim 3, the title control comprising one or more of the following types: the system comprises a single-selection question sub-control, a multi-selection question sub-control, a bill question sub-control and a scoring question sub-control; the end control includes one or more of the following types: ending the sub-control, ending and jumping to a page corresponding to a preset URL, and ending and jumping to a risk reporting scene corresponding to other risk types except the preset risk type; one or more of the title control, the sequence control, the ending control and the judgment control are arranged in the page control.

5. The method according to claim 1, wherein the performing data structuring processing on the target item content to obtain target structured data corresponding to the target item content includes:

6. The method of claim 5, further comprising:

7. The method according to claim 1, wherein the acquiring of the risk report configuration information set according to the preset risk type corresponding to the risk existing in the target service includes:

and receiving risk report configuration information which is sent by the management terminal and is set according to a preset risk type corresponding to the risk existing in the target service.

8. A method of risk management, the method comprising:

9. An apparatus for risk management, the apparatus comprising:

the system comprises a page generation module, a risk report configuration module and a risk report interaction module, wherein the page generation module is used for acquiring risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generating an interaction page based on the risk report configuration information, the interaction page comprises interaction project information required by risk report of the preset risk type, and the interaction project information is used for providing corresponding project content for a user requesting the risk report;

the page presentation module is used for providing the interactive page for the target user when receiving a risk reporting instruction of the target user aiming at the preset risk type;

the data processing module is used for acquiring corresponding target project content provided by the target user aiming at the interactive project information in the interactive page, and carrying out data structuring processing on the target project content to obtain target structured data corresponding to the target project content;

and the auditing module is used for determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk auditing strategy, and generating a reporting result corresponding to the risk reporting instruction.

10. An apparatus for risk management, the apparatus comprising:

the system comprises a configuration request receiving module, a risk reporting configuration module and a risk reporting configuration module, wherein the configuration request receiving module is used for receiving a risk reporting configuration request which is sent by a server and is specific to a preset risk type corresponding to a risk existing in a target service, and the risk reporting configuration request is sent by the server when the preset risk type is not included in the risk types corresponding to the risk existing in the target service;

the information acquisition module is used for acquiring a plurality of functional controls set according to the preset risk type and layout information of the functional controls, and interactive project information required for risk reporting of the preset risk type is set in the functional controls;

the configuration information generation module is used for generating risk reporting configuration information aiming at the preset risk type based on the plurality of functional controls and the layout information of the plurality of functional controls;

a configuration information sending module, configured to send the risk report configuration information to the server, where the risk report configuration information is used to trigger the server to generate an interactive page based on the risk report configuration information, and when receiving a risk reporting instruction of a target user for the preset risk type, providing the interactive page for the target user, acquiring corresponding target item content provided by the target user for the interactive item information in the interactive page, and performing data structuring processing on the target project content to obtain target structured data corresponding to the target project content, determining whether the target project content provided by the target user has risks or not based on the target structured data corresponding to the target project content and a pre-configured risk management strategy, and generating a reporting result corresponding to the risk reporting instruction.

11. A risk processing device comprising:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

acquiring risk report configuration information set according to a preset risk type corresponding to a risk existing in a target service, and generating an interactive page based on the risk report configuration information, wherein the interactive page comprises interactive project information required by risk report of the preset risk type, and the interactive project information is used for requesting a user of the risk report to provide corresponding project content;

12. A risk processing device comprising:

a processor; and

13. A storage medium for storing computer-executable instructions, which when executed by a processor implement the following:

14. A storage medium for storing computer executable instructions which, when executed by a processor, implement the following flow: