CN108335006A - Air control method, apparatus, equipment, system and storage medium based on products configuration - Google Patents
Air control method, apparatus, equipment, system and storage medium based on products configuration Download PDFInfo
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Abstract
The air control method based on products configuration that the invention discloses a kind of, the air control method based on products configuration are applied to products configuration platform, include the following steps:The air control mark of product, the risk class of the air control mark corresponding product configuration are set according to preset product information;When detecting products configuration request, the air control mark of product in the products configuration request is obtained, and judge whether the risk class of products configuration is more than threshold value according to air control mark;If the risk class of products configuration is more than threshold value, call request is sent to air control management platform, to call configuration information from air control management platform;Preset product information, which is corresponded to, according to name of product in the configuration information of calling and products configuration request carries out products configuration.The invention also discloses a kind of wind-controlling device, equipment, system and storage medium based on products configuration.Products configuration is combined by the present invention with air control management, to carry out effective risk control to products configuration.
Description
Technical Field
The invention relates to the field of data processing, in particular to a product configuration-based wind control method, device, equipment, system and storage medium.
Background
With the advent of the big data era and the explosive growth of information quantity, more and more databases are used for carrying out abundant product configuration; product configuration refers to a process of combining predefined components of configurable products, meeting user requirements and finally obtaining a product individual satisfied by a user, and meanwhile, the product configuration needs to be completed by using a certain product configuration method and a corresponding product configuration system.
The product structure and product configuration are closely related, in the form of organizing and managing product information. The product configuration can be carried out smoothly only by reasonably and effectively organizing the product structure, the product configuration is a process of finding out a result meeting the specification according to a certain strategy under the condition that the specification and the property are known, the product configuration system is equivalent to an expert system, configuration knowledge of the product by the expert is stored in a knowledge base, and a certain product configuration method is used for inputting user requirements into the system to reason the knowledge in the knowledge base, so that a corresponding configuration result is obtained and fed back to a user.
The existing product configuration system is a database storing a large amount of data information, so that the product cannot be accurately managed, and meanwhile, when part of products are configured with high risk, the existing product configurations are all independent systems for configuration, so that the risk of the product configuration cannot be effectively avoided.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide a product configuration-based wind control method, device, equipment, system and storage medium, aiming at effectively controlling risks of product configuration.
In order to achieve the above object, the present invention provides a product configuration-based wind control method, which is applied to a product configuration platform, and includes the following steps:
setting a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration;
when a product configuration request is detected, acquiring a wind control identifier of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identifier;
if the risk level of the product configuration exceeds a threshold value, sending a calling request to a wind control management platform so as to call configuration information from the wind control management platform;
and carrying out product configuration according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
Optionally, the step of setting a wind control identifier of the product according to preset product information, where the step of setting a risk level of the product configuration corresponding to the wind control identifier includes:
and when an adjusting request based on the product information is detected, updating the product information according to the adjusting request so as to correspondingly adjust the wind control identification of the product according to the updated product information.
Optionally, the step of determining whether the risk level of the product configuration exceeds a threshold according to the wind control identifier includes:
if the risk level of the product configuration does not exceed the threshold value, acquiring preset configuration information and product information according to the product configuration request;
and performing product configuration according to the acquired configuration information and the product information, and storing configuration product data formed by the product configuration.
Optionally, when the product configuration request is detected, the step of obtaining a wind control identifier of a product in the product configuration request, and determining whether the risk level of the product configuration exceeds a threshold according to the wind control identifier includes:
when a product configuration request is detected, acquiring a wind control identifier of a product in the product configuration request;
and determining the risk level of the product configuration according to the wind control identification and the product configuration rule, comparing the risk level with a threshold value, and judging whether the risk level of the product configuration exceeds the threshold value.
In order to achieve the above object, the present invention provides a product configuration-based wind control method, which is applied to a wind control management platform, and comprises the following steps:
when a calling request sent by a product configuration platform is detected, acquiring configuration information related to wind control according to the calling request;
and sending the configuration information related to the wind control to a product configuration platform so that the product configuration platform configures the product according to the configuration information.
Optionally, when a call request sent by the product configuration platform is detected, the step of obtaining configuration information related to the wind control according to the call request includes:
monitoring the wind control related data in real time, determining the change trend of the wind control related data, and judging whether the risk coefficient is increased according to the wind control change trend;
if the risk coefficient is increased, increasing interest rate in the configuration information related to the wind control so as to update the configuration information related to the wind control;
when detecting that the configuration information related to the wind control is updated, generating prompt information based on the updated configuration information related to the wind control, and sending the prompt information to the product configuration platform so that the product configuration platform updates the product configuration.
In order to achieve the above object, the present invention provides a product configuration-based wind control device, including:
the identification setting module is used for setting a wind control identification of a product according to preset product information, and the wind control identification corresponds to the risk level of product configuration;
the detection and judgment module is used for acquiring the wind control identification of the product in the product configuration request when the product configuration request is detected, and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identification;
the calling module is used for sending a calling request to the wind control management platform to call the configuration information from the wind control management platform if the risk level of the product configuration exceeds a threshold value;
and the product configuration module is used for configuring the product according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
In order to achieve the above object, the present invention provides a product configuration-based wind control device, including: a memory, a processor, and a product configuration based wind control program stored on the memory and executable on the processor, wherein:
the wind control program based on the product configuration realizes the steps of the wind control method based on the product configuration when being executed by the processor.
In order to achieve the above object, the present invention provides a product configuration-based wind control system, which includes: the system comprises a product configuration platform and a wind control management platform, wherein the product configuration platform and the wind control management platform are both provided with a wind control device based on product configuration; wherein,
the product configuration platform sets a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration;
when a product configuration platform detects a product configuration request, acquiring a wind control identifier of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value or not according to the wind control identifier;
if the risk level of the product configuration exceeds a threshold value, the product configuration platform sends a calling request to the wind control management platform;
the wind control management platform acquires wind control related configuration information according to the calling request and sends the wind control related configuration information to the product configuration platform;
and the product configuration platform performs product configuration according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
In addition, to achieve the above object, the present invention further provides a computer storage medium, wherein a product configuration-based wind control program is stored on the computer storage medium, and when being executed by a processor, the product configuration-based wind control program implements the steps of the product configuration-based wind control method as described above.
The invention provides a product configuration-based wind control method, which is applied to a product configuration platform and comprises the following steps: setting a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration; when a product configuration request is detected, acquiring a wind control identifier of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identifier; if the risk level of the product configuration exceeds a threshold value, sending a calling request to a wind control management platform so as to call configuration information from the wind control management platform; and carrying out product configuration according to the called configuration information and preset product information corresponding to the product name in the product configuration request. The corresponding wind control identification is set based on the product information, the risk level of the product configuration is identified by using the wind control identification, when the risk level does not exceed a threshold value, the product configuration is carried out by directly using the configuration information of the product configuration platform, the coupling between systems is reduced, if the risk level exceeds the threshold value, the configuration information related to the wind control in the wind control management platform is called to carry out the product configuration, specifically, the configuration information related to the wind control in the wind control management platform (the information in the wind control management platform is updated timely, the information maintenance is timely, the risk caused by factors such as untimely information update can be avoided) is called in the product configuration platform for carrying out the product configuration, the data information management in the product configuration platform is convenient, and meanwhile, the wind control management is effectively realized on the product configuration.
Drawings
Fig. 1 is a schematic terminal structure diagram of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a first embodiment of a product configuration-based wind control method according to the present invention;
FIG. 3 is a schematic flow chart of a second embodiment of a product configuration-based wind control method according to the present invention;
FIG. 4 is a schematic flow chart of a third embodiment of a product configuration-based wind control method according to the present invention;
FIG. 5 is a schematic flow chart of a fourth embodiment of a product configuration-based wind control method according to the present invention;
FIG. 6 is a flow chart illustrating the combination of various embodiments of the product configuration-based wind control method according to the present invention;
FIG. 7 is a schematic diagram of a specific scenario of a product configuration-based wind control system according to the present invention;
fig. 8 is a functional block diagram of an embodiment of a product configuration-based wind control device according to the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Product configuration is similar to a commonly-known design, and the product configuration is classified into a third type of design according to a classification standard of the design, namely, under the condition that the composition structure, the specification and the property of an object are known, a process of finding out a result meeting the specification according to a certain strategy is a constrained design, so the product configuration is also called as daily design (routine design). From the perspective of Artificial Intelligence (AI), the product configuration system is equivalent to an expert system, the configuration knowledge of the product by the expert is stored in a knowledge base, and the user requirement is input into the system by using a certain product configuration method to reason the knowledge in the knowledge base, so that a corresponding configuration result is obtained and fed back to the user.
As understood from the product configuration in view of product characteristics, the configuration process can be viewed as a process of selecting a set of components and maintaining their relationships to form a design solution. Because the existing product configuration platform mainly stores different product information and product related information and is used for product configuration (product configuration refers to a process of combining predefined components of configurable products and meeting the requirements of users to finally obtain a product individual satisfied by the users, and meanwhile, the product configuration needs to be completed by using a certain product configuration method and a corresponding product configuration system), the product configuration is relatively independent and does not need to be interacted with other databases for data information.
The main solution of the embodiment of the invention is as follows: the product configuration platform is preset with configuration information of different products, the product configuration platform is effectively combined with the risk management platform, different product configuration information is stored on the product configuration platform, and meanwhile when the risk level of product configuration (or in the product marketing process) is high, the product configuration can be carried out by utilizing the configuration information related to wind control on the wind control management platform, so that the risk of product configuration is effectively reduced.
It should be noted that the present invention has a higher risk level or a lower risk level, and the setting may be performed according to different information such as the type of the product, the market condition, the product configuration condition, and the marketing of the product, and the specific setting may be determined by a product manager.
As shown in fig. 1, fig. 1 is a schematic terminal structure diagram of a hardware operating environment according to an embodiment of the present invention.
The terminal can be a PC, a smart phone, a tablet computer, an electronic book reader, a portable computer and other mobile terminal equipment with a display function, the terminal can be used as a hardware carrier of a product configuration platform, can also be used as a hardware carrier of a wind control management platform, can also be used as a hardware carrier of the product configuration platform and a hardware carrier of the wind control management platform, and a wind control device based on product configuration and a component of the terminal can also be used as an independent terminal.
As shown in fig. 1, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Optionally, the terminal may further include a camera, a Radio Frequency (RF) circuit, a sensor, an audio circuit, a WiFi module, and the like. Such as light sensors, motion sensors, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display screen according to the brightness of ambient light, and a proximity sensor that may turn off the display screen and/or the backlight when the mobile terminal is moved to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (generally, three axes), detect the magnitude and direction of gravity when the mobile terminal is stationary, and can be used for applications (such as horizontal and vertical screen switching, related games, magnetometer attitude calibration), vibration recognition related functions (such as pedometer and tapping) and the like for recognizing the attitude of the mobile terminal; of course, the mobile terminal may also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which are not described herein again.
Those skilled in the art will appreciate that the terminal structure shown in fig. 1 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, the memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a product configuration-based wind control application program.
In the terminal shown in fig. 1, the network interface 1004 is mainly used for connecting to a backend server and performing data communication with the backend server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be configured to call a product configuration-based wind control application stored in the memory 1005, where the product configuration-based wind control application is used for a product configuration platform, and the product configuration-based wind control method performs the following operations:
setting a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration;
when a product configuration request is detected, acquiring a wind control identifier of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identifier;
if the risk level of the product configuration exceeds a threshold value, sending a calling request to a wind control management platform so as to call configuration information from the wind control management platform;
and carrying out product configuration according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
Further, the processor 1001 may call a product configuration based wind control application stored in the memory 1005, and also perform the following operations:
the method comprises the following steps of setting a wind control identification of a product according to preset product information, wherein the step that the wind control identification corresponds to the risk level of product configuration comprises the following steps:
and when an adjusting request based on the product information is detected, updating the product information according to the adjusting request so as to correspondingly adjust the wind control identification of the product according to the updated product information.
Further, the processor 1001 may call a product configuration based wind control application stored in the memory 1005, and also perform the following operations:
the step of judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identification comprises the following steps:
if the risk level of the product configuration does not exceed the threshold value, acquiring preset configuration information and product information according to the product configuration request;
and performing product configuration according to the acquired configuration information and the product information, and storing configuration product data formed by the product configuration.
Further, the processor 1001 may call a product configuration based wind control application stored in the memory 1005, and also perform the following operations:
when the product configuration request is detected, the steps of obtaining the wind control identification of the product in the product configuration request and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identification comprise:
when a product configuration request is detected, acquiring a wind control identifier of a product in the product configuration request;
and determining the risk level of the product configuration according to the wind control identification and the product configuration rule, comparing the risk level with a threshold value, and judging whether the risk level of the product configuration exceeds the threshold value.
In the terminal shown in fig. 1, the network interface 1004 is mainly used for connecting to a backend server and performing data communication with the backend server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be configured to call a product configuration-based wind-control application stored in the memory 1005, where the product configuration-based wind-control application is used for a wind-control management platform, and the processor 1001 may call the product configuration-based wind-control application stored in the memory 1005, and further perform the following operations:
when a calling request sent by a product configuration platform is detected, acquiring configuration information related to wind control according to the calling request;
and sending the configuration information related to the wind control to a product configuration platform so that the product configuration platform configures the product according to the configuration information.
Further, the processor 1001 may call a product configuration based wind control application stored in the memory 1005, and also perform the following operations:
when a call request sent by a product configuration platform is detected, the step of obtaining configuration information related to wind control according to the call request comprises the following steps:
monitoring the wind control related data in real time, determining the change trend of the wind control related data, and judging whether the risk coefficient is increased according to the wind control change trend;
if the risk coefficient is increased, increasing interest rate in the configuration information related to the wind control so as to update the configuration information related to the wind control;
when detecting that the configuration information related to the wind control is updated, generating prompt information based on the updated configuration information related to the wind control, and sending the prompt information to the product configuration platform so that the product configuration platform updates the product configuration.
Referring to fig. 2, in a first embodiment of the wind control method based on product configuration of the present invention, the wind control method based on product configuration includes:
and step S10, setting a wind control identification of the product according to preset product information, wherein the wind control identification corresponds to the risk level of the product configuration.
The method is applied to a product configuration platform, the product configuration platform is provided with catalog information for configuring products, when a user configures the products, the name of the product to be configured is firstly searched and determined from the catalog information for the product configuration, and the corresponding product is configured, and the risk corresponding to the product configuration (or the configured product marketing process) is different due to different factors such as the type of the product, so that the risk control management is carried out in the product configuration process, specifically, the wind control identification (the wind control identification comprises the risk grade corresponding to the product configuration) is set for different products, namely, the product with high product configuration risk grade can be set for identification so as to be checked quickly; the risk levels of different product configurations can be displayed by setting the wind control marks with different characteristics such as colors and shapes, and it needs to be supplemented to explain that the product information can be adjusted along with the change of the market, and the wind control marks can be effectively adjusted according to the product information. The product takes the loan product as an example, and the product information comprises: the type of the loan product, the amount of the loan product, etc., then the configuration information of the loan product refers to: the repayment period of the product, the interest rate of the product, the product staging and other same products can have different product configurations, and the wind control identification of the product refers to: and the identifier is used for identifying the product risk level, namely, taking the loan product as an example, calculating the risk level of the loan product according to the corresponding weight according to the amount of the loan product, whether the product has mortgage, the credit of a borrower and the like, and finally waiting until the loan product, wherein the high risk level is set, and the low risk level is set if the risk level is high.
For example: the method is used for configuration of credit products, the existing credit products are various in types, different credit products are different in risk level, the configuration of the credit products is mainly configured around the types of credit, configuration information is obtained from a configuration platform of the credit products during the configuration of the credit products, different information repayment information, credit cycles and other related information are configured, and auditing is performed after the configuration of the credit products is completed, so that the configuration risk of the credit products can not be effectively managed, and meanwhile, the configuration risk of the credit products can be effectively managed, the process is possibly complicated due to repeated auditing after the configuration of the credit products, and the responsibility sharing is unclear, and different credit products are provided with wind control marks: the specific existing credit products comprise mortgage loan, non-mortgage loan, house loan, car loan, payroll loan and the like, the configuration risk of the credit products is evaluated by combining the amount of the loan, and the wind control identification is correspondingly set according to the evaluated risk level so as to configure the products according to the risk level corresponding to the set wind control identification.
Step S20, when a product configuration request is detected, acquiring a wind control identification of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identification.
When a configuration request of a product is detected, acquiring a wind control identifier corresponding to a product name in the product configuration request, in this embodiment, all products to be configured are provided with the wind control identifiers, a risk level of the corresponding product can be accurately obtained according to the set wind control identifiers, and comparing the determined risk level with a threshold (the threshold is set according to a specific situation, for example, if the risk level of the product configuration is totally provided with 12 levels, the threshold may be set to 6 levels, and if the risk level of the product configuration is totally provided with 3 levels, the threshold may be set to 2 levels), and determining whether the risk level of the product configuration exceeds the threshold.
Step S30, if the risk level of the product configuration exceeds the threshold value, a calling request is sent to the wind control management platform so as to call the configuration information from the wind control management platform.
If the risk level of the product configuration exceeds a threshold value, namely the risk level of the product configuration is higher, effective risk control management is required during the product configuration, the risk management method adopted in the invention is to store the configuration information with higher risk level in both the product configuration platform and the wind control management platform (due to more data information stored by the product configuration platform, the situation of untimely information update and the like may occur); the wind control information stored by the wind control management platform needs to be managed and maintained in real time, and the wind control information can be managed and updated in real time, so that if the product configuration is high in risk, the wind control related configuration information of the wind control management platform is called to configure the product, and the product configuration platform sends a calling request to the wind control management platform so as to call the wind control related configuration information from the wind control management platform to configure the related product.
For example: the credit product needs to select different configured products according to different customers, therefore, the products need to be effectively divided when being configured, products of the same type are not configured directly by using configuration information on a credit product configuration platform if the risk level of the 100 ten thousand house loans exceeds a threshold value because the loans are different in amount, different wind control marks are set for the products, the products are configured by using different product configuration modes, taking 100 ten thousand house loans as an example, and the products are configured by using the configuration information related to wind control on a wind control management platform, for example, the configuration information related to wind control is the interest rate (interest rate, which refers to the ratio of interest amount expired in each period of loan amount, deposit amount or borrowing amount (called principal amount) to the nominal value Length of time of loan, deposit, or borrow. Interest rate is the cost paid by the borrower to borrow money from the borrower, and is the return obtained by the lender delaying its consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of interest and principal in one year), the interest rate is stored in a wind control management platform, real-time updating is carried out according to different market conditions, the interest rate of the wind control management platform is obtained, and 100-ten-thousand housing loans are configured.
And step S40, configuring the product according to the called configuration information and the preset product information corresponding to the product name in the product configuration request.
And carrying out product configuration on the configuration information called from the wind control management platform and the product information acquired from the product configuration platform based on the product name in the product configuration request.
In the embodiment, the wind control method based on product configuration is applied to a product configuration platform, and the invention sets a corresponding wind control identifier based on product information, utilizes the wind control identifier to identify the risk level of the product configuration, and when the risk level does not exceed a threshold value, the configuration information of the product configuration platform is directly utilized to configure the product, the coupling between the systems is reduced, if the risk level exceeds a threshold value, the configuration information related to the wind control in the wind control management platform is called for product configuration, specifically, the configuration information related to the wind control in the wind control management platform (the information in the wind control management platform is updated in time, the information is maintained in time, the risk caused by factors such as untimely information update can be avoided) is called for product configuration when the product configuration with higher risk level is carried out, the product configuration is effectively managed by wind control while the data information management in the product configuration platform is convenient.
Further, referring to fig. 3, in a second embodiment of the wind control method based on product configuration of the present invention, the wind control method based on product configuration includes:
and step S50, if the risk level of the product configuration does not exceed the threshold, acquiring preset configuration information and product information according to the product configuration request.
In the product configuration, according to the wind control identifier set on the product configuration platform, if the risk level of the product configuration does not exceed the threshold, the preset configuration information and the product information are obtained from the product configuration platform according to the product name in the product configuration request.
And step S60, configuring the product according to the acquired configuration information and the product information, and storing configuration product data formed by the product configuration.
And configuring the product information according to the acquired configuration information, storing and saving configuration product data formed by the product configuration when the product configuration is completed, reporting the configuration product data formed by the configuration completion to a related auditor for auditing, and publishing the related configuration information of the product which passes the auditing.
In this embodiment, the product configuration process is a normal product configuration process, and when the product is subjected to wind control management, normal product configuration can be performed for a product with a low risk level, so that the process of normal product configuration is ensured while wind control management of product configuration is performed, and unnecessary product configuration investment is not required to be increased.
Further, referring to fig. 4, in a third embodiment of the wind control method based on product configuration according to the present invention, the wind control method based on product configuration further includes:
step S70, setting configuration management authority according to the product configuration flow, and establishing the association between the configuration management authority and the management role.
Setting corresponding product configuration management authority according to a specific product configuration process (the product configuration process can comprise risk evaluation of product configuration, wind control identification management of product configuration, acquisition of related information of product configuration, product configuration and audit of product configuration), setting different management roles, and establishing an association relation between the configuration management authority and the management roles corresponding to the different management authorities; namely, different authorities correspond to different product configuration processes, and different authorities correspond to different products.
For example, because more data information is needed in the product configuration process, different types of product configuration information set permissions for different product configurations in consideration of information security, and when information security problems occur, traceability can be performed by means of the permissions. Specifically, the method comprises the following steps: determining product information and corresponding product configuration information in a product configuration system, dividing a product configuration flow into configuration nodes according to configuration requirements of different products, and setting different configuration nodes to have different roles; when a user product configuration application is detected, a flow corresponding to user product configuration is determined, and product configuration requirements of a user are sent to a corresponding role according to the user product configuration flow, so that the corresponding role carries out product configuration operation based on the user product configuration application and corresponding permission to give different product configuration functions to role management, different roles are given to the user, the user can only see an interface related to the working range of the user, the division of labor is clear, information safety is guaranteed, and efficient and convenient management of product configuration is realized through a product publishing flow. The log function of the flow action is added, the problem is quickly analyzed, positioned and solved.
And step S80, when detecting that the product configuration is updated, prompting a manager corresponding to the management role to perform auditing according to the incidence relation.
When the product configuration is detected to be adjusted or updated, the related information of the product configuration can be submitted to audit according to the incidence relation between the management authority and the management role of the product configuration, so as to prevent errors occurring when the product configuration is updated.
For example: the method is characterized in that a product manager of a certain product is endowed with roles, the roles can only check specific information of a corresponding product, have management authority for the information of the roles, and can operate in the authority, a set of complete issuing process of multiple role management can be effective in the product configuration process, the safety and consistency of product configuration are ensured, meanwhile, the product is directly configured and managed by user roles of a service department, and the authority corresponding to each role can be traced when a safety problem occurs. When an error occurs in the process of product configuration (when other product configuration errors occur), the intelligent engine traces back from a product configuration error node to determine the error position of the product configuration, so that the phenomenon that the responsibility of the product configuration error is unknown is prevented.
In the embodiment, the authority is set in the product configuration, and the existing product configuration has higher and higher requirements on the safety of information, but does not form system management for data information. The traditional data management mode is not suitable for data information management in production configuration, the types of products related in the existing product configuration are multiple, different products have different data which may need to be opened for the same role, and the authority configuration is carried out only by adopting the role, so that the data security is reduced; in this embodiment, the process node is set in combination with the product configuration, and meanwhile, the related product configuration authority is set in combination with the product information, so that the safety of the information is ensured while the risk control of the product configuration is reduced by setting the related authority of the product configuration, and the following purposes are effectively achieved by correspondingly realizing authority: 1. the user can only see the product configuration data of the own department; 2. after a certain product is configured, a plurality of roles are needed to process a set of complete release flow to be effective, so that the safety and consistency of product configuration are ensured; 3. the product is directly configured and managed by the user role of the business department.
Further, the wind control method based on the product configuration is applied to a wind control management platform, and the wind control method based on the product configuration further includes:
when a calling request sent by a product configuration platform is detected, acquiring configuration information related to wind control according to the calling request;
and sending the configuration information related to the wind control to a product configuration platform so that the product configuration platform configures the product according to the configuration information.
Before the embodiment, the wind control management platform also needs to monitor wind control related data in real time, determine the change trend of the wind control related data, and judge whether the risk coefficient is increased according to the wind control change trend; if the risk coefficient is increased, increasing interest rate in the configuration information related to the wind control so as to update the configuration information related to the wind control; when detecting that the configuration information related to the wind control is updated, generating prompt information based on the updated configuration information related to the wind control, and sending the prompt information to the product configuration platform so that the product configuration platform updates the product configuration.
In the embodiment, configuration information related to product configuration is provided from a product configuration platform, and is managed by a wind control management platform and called when needed, so that risks caused by untimely data updating management due to large data volume of the product configuration platform are prevented; the wind control data are detected and updated in real time through the wind control management platform, so that the risk coefficient of a product can be reduced, and the loss caused by untimely data updating is prevented.
Specifically, referring to fig. 5, in a fourth embodiment of the wind control method based on product configuration of the present invention, the method further includes the following steps:
step S90, when detecting the call request sent by the product configuration platform, obtaining the configuration information related to the wind control according to the call request.
When the wind control management platform detects that a call request of the product configuration information sent by the product configuration platform is received, according to the configuration information related to the product configuration wind control obtained in the calling request (it needs to be supplemented to explain that the configuration information in the wind control management platform is not only information specific to product configuration, but is acquired according to different market conditions and can be used in different occasions, the information related to the product configuration of the wind control management platform may change along with personal credit information or market feedback information, for example, the configuration information corresponding to a loan product is set during loan product configuration, and since the configuration information of the loan product comprises user credit information and is related to real-time exchange rate, and the configuration risk coefficient of the loan product is higher, the configuration information of the loan product is more conveniently stored in the wind control management system for management).
And S100, sending configuration information related to wind control to a product configuration platform so that the product configuration platform configures the product according to the configuration information.
The method comprises the steps of sending configuration information related to product configuration wind control to a product configuration platform, receiving the configuration information related to the wind control sent by a wind control management platform by the product configuration platform, effectively configuring the product in time, monitoring the related information related to the wind control by the wind control management platform in real time, adjusting the related configuration information of the wind control according to the change trend of the related information related to the wind control when the change of the related information related to the wind control is detected, submitting the adjusted configuration information to audit, publishing the configuration information passing the audit, and prompting the product configuration platform to enable the product configuration platform to carry out effective blending. It should be noted that the wind control management platform is in communication connection with different information platforms, the wind control management platform can adjust the exchange rate in time according to the change condition of the market, and can send the exchange rate to the product configuration platform according to the thought condition and income condition of each person, so that the product configuration platform can assign corresponding configuration products to customers based on the relevant information of the wind control management platform.
In the embodiment, the wind control management platform is in communication connection with the product configuration platform, and when the wind control management platform receives a request called by configuration information sent by the product configuration platform based on the product configuration, related information is obtained and sent to the product configuration platform so that the product configuration platform can perform configuration on related products.
The embodiment of the invention also provides a wind control device based on product configuration.
The product configuration-based wind control device comprises: a memory, a processor, and a product configuration based wind control program stored on the memory and executable on the processor, wherein:
the wind control program based on the product configuration realizes the steps of the wind control method based on the product configuration when being executed by the processor.
The method implemented when the wind control program based on the product configuration is executed may refer to each embodiment of the wind control method based on the product configuration of the present invention, and details are not described here.
The embodiment of the invention also provides a wind control system based on product configuration.
With reference to fig. 7, the product configuration-based wind control system includes: the system comprises a product configuration platform and a wind control management platform, wherein the product configuration platform and the wind control management platform are both provided with a wind control device based on product configuration; wherein,
the product configuration platform sets a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration;
the product configuration platform is provided with catalog information for configuring products, when a user configures the products, the name of the product to be configured is firstly searched and determined from the catalog information for the product configuration, and the corresponding product is configured, different risks corresponding to the product configuration (or the configured product marketing process) are different due to different factors such as the type of the product and the like, and in combination with the graph 6, the risk control management is carried out in the product configuration process, specifically, wind control marks (including the risk grade corresponding to the product configuration) are set for different products, namely, only the product with the high risk grade of the product configuration can be set for the mark so as to be checked quickly; the risk levels of different product configurations can be displayed by setting the wind control marks with different colors, shapes and the like, and it needs to be added to explain that the product information can be adjusted along with the change of the market, and the wind control marks can be effectively adjusted according to the product information.
For example: the method is used for configuration of credit products, the existing credit products are various in types, different credit products are different in risk level, the configuration of the credit products is mainly configured around the types of credit, configuration information is obtained from a configuration platform of the credit products during the configuration of the credit products, different information repayment information, credit cycles and other related information are configured, and auditing is performed after the configuration of the credit products is completed, so that the configuration risk of the credit products can not be effectively managed, and meanwhile, the configuration risk of the credit products can be effectively managed, the process is possibly complicated due to repeated auditing after the configuration of the credit products, and the responsibility sharing is unclear, and different credit products are provided with wind control marks: the specific existing credit products comprise mortgage loan, non-mortgage loan, house loan, car loan, payroll loan and the like, the configuration risk of the credit products is evaluated by combining the amount of the loan, and the wind control identification is correspondingly set according to the evaluated risk level so as to configure the products according to the risk level corresponding to the set wind control identification.
When a product configuration platform detects a product configuration request, acquiring a wind control identifier of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value or not according to the wind control identifier;
when a configuration request of a product is detected, acquiring a wind control identifier corresponding to a product name in the product configuration request, wherein all products to be configured are provided with the wind control identifiers, the risk level of the corresponding product can be accurately obtained according to the set wind control identifiers, and comparing the determined risk level with a threshold (the threshold is set according to specific conditions, for example, if the risk level of the product configuration is totally provided with 12 levels, the threshold can be set to 6 levels, if the risk level of the product configuration is totally provided with 3 levels, the threshold can be set to 2 levels), so as to judge whether the risk level of the product configuration exceeds the threshold; it should be noted that the product configuration platform is provided with rights related to product configuration, so as to ensure the security of the product configuration information.
If the risk level of the product configuration exceeds a threshold value, the product configuration platform sends a calling request to the wind control management platform;
if the risk level of the product configuration exceeds a threshold value, namely, the risk level of the product configuration is higher, effective risk control management needs to be carried out during the product configuration, the risk management method adopted in the invention is that the configuration information with higher risk level is stored in both the product configuration platform and the wind control management platform, when the risk level is higher, the product configuration platform sends a calling request to the wind control management platform, the wind control management platform obtains the configuration information related to the wind control to carry out the product configuration, and in combination with a figure 7, the wind control management platform is in communication connection with a credit investigation system database, a capital platform database, a consumption mobile communication information database and the like, and can call data information in different databases to generate the configuration information related to the risk control.
The wind control management platform acquires wind control related configuration information according to the calling request and sends the wind control related configuration information to the product configuration platform;
when the wind control management platform detects and receives a call request of product configuration related information sent by the product configuration platform, configuration information related to product configuration wind control is obtained according to the call request (it needs to be supplemented that the configuration information in the wind control management platform is not only information specific to product configuration but also acquired according to different market conditions and can be used in different occasions, the information related to product configuration of the wind control management platform can be changed along with personal credit information or market feedback information, for example, configuration information corresponding to loan products is set during loan product configuration, and as the configuration information of the loan products comprises user credit information and is related to real-time exchange rate, the configuration risk coefficient of the loan products is higher, the configuration information of the loan products is more conveniently stored in the wind control management system for management), and sending the configuration information related to the wind control to the product configuration platform.
It should be added that: the wind control management platform can monitor wind control related data in real time, and when the change of the wind control related data is detected, the wind control related configuration information is updated according to the change trend of the wind control related data; when detecting that the configuration information related to the wind control is updated, generating prompt information based on the updated configuration information related to the wind control, and sending the prompt information to the product configuration platform so that the product configuration platform updates the product configuration.
And the product configuration platform performs product configuration according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
And the product configuration platform performs product configuration according to the configuration information sent by the wind control management platform and the product information acquired from the product configuration platform based on the product name in the product configuration request.
In this embodiment, the existing product configuration platform mainly stores different product information and product related information, the product configuration in this embodiment mainly centers on product configuration and related wind control management and authority, and configuration information with high risk level related to the product configuration is stored in the wind control management platform, so that the product configuration can be managed effectively without increasing manpower and material resources, and the wind control management of the product configuration can be realized effectively while the data information management in the product configuration platform is convenient.
Referring to fig. 8, an embodiment of the present invention further provides a product configuration-based wind control device, where the product configuration-based wind control device includes:
the identification setting module 10 is used for setting a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration;
the detection and judgment module 20 is configured to, when a product configuration request is detected, obtain a wind control identifier of a product in the product configuration request, and judge whether a risk level of product configuration exceeds a threshold value according to the wind control identifier;
the calling module 30 is configured to send a calling request to the wind control management platform if the risk level of the product configuration exceeds a threshold value, so as to call the configuration information from the wind control management platform;
and the product configuration module 40 is used for configuring the product according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
The effect of the wind control device based on the product configuration is the same as that of the wind control method based on the product configuration, and reference may be made to each embodiment of the wind control method based on the product configuration of the present invention, which is not described herein again.
In addition, the embodiment of the invention also provides a computer storage medium.
The computer storage medium has stored thereon a product configuration-based wind control program that, when executed by a processor, performs the steps of the product configuration-based wind control method.
The method implemented when the wind control program based on the product configuration is executed may refer to each embodiment of the wind control method based on the product configuration of the present invention, and details are not described here.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. 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 system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. The product configuration-based wind control method is applied to a product configuration platform, and comprises the following steps:
setting a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration;
when a product configuration request is detected, acquiring a wind control identifier of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identifier;
if the risk level of the product configuration exceeds a threshold value, sending a calling request to a wind control management platform so as to call configuration information from the wind control management platform;
and performing product configuration according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
2. The product configuration-based wind control method according to claim 1, wherein the step of setting a wind control identifier of the product according to preset product information, the wind control identifier corresponding to a risk level of the product configuration is followed by:
and when an adjusting request based on the product information is detected, updating the product information according to the adjusting request so as to correspondingly adjust the wind control identification of the product according to the updated product information.
3. The product configuration based wind control method according to claim 1, wherein the step of determining whether the risk level of the product configuration exceeds the threshold value according to the wind control identification is followed by:
if the risk level of the product configuration does not exceed the threshold value, acquiring preset configuration information and product information according to the product configuration request;
and performing product configuration according to the acquired configuration information and the product information, and storing configuration product data formed by the product configuration.
4. The product configuration-based wind control method according to any one of claims 1 to 3, wherein the step of obtaining a wind control identifier of a product in the product configuration request when the product configuration request is detected, and determining whether the risk level of the product configuration exceeds a threshold according to the wind control identifier comprises:
when a product configuration request is detected, acquiring a wind control identifier of a product in the product configuration request;
and determining the risk level of the product configuration according to the wind control identification and the product configuration rule, comparing the risk level with a threshold value, and judging whether the risk level of the product configuration exceeds the threshold value.
5. The product configuration-based wind control method is applied to a wind control management platform, and comprises the following steps:
when a calling request sent by a product configuration platform is detected, acquiring configuration information related to wind control according to the calling request;
and sending the configuration information related to the wind control to a product configuration platform so that the product configuration platform configures the product according to the configuration information.
6. The product configuration-based wind control method according to claim 5, wherein the step of obtaining the wind control related configuration information according to the call request when the call request sent by the product configuration platform is detected comprises:
monitoring the wind control related data in real time, determining the change trend of the wind control related data, and judging whether the risk coefficient is increased according to the wind control change trend;
if the risk coefficient is increased, increasing interest rate in the configuration information related to the wind control so as to update the configuration information related to the wind control;
when detecting that the configuration information related to the wind control is updated, generating prompt information based on the updated configuration information related to the wind control, and sending the prompt information to the product configuration platform so that the product configuration platform updates the product configuration.
7. A product configuration based wind control apparatus, comprising:
the identification setting module is used for setting a wind control identification of a product according to preset product information, and the wind control identification corresponds to the risk level of product configuration;
the detection and judgment module is used for acquiring the wind control identification of the product in the product configuration request when the product configuration request is detected, and judging whether the risk level of the product configuration exceeds a threshold value according to the wind control identification;
the calling module is used for sending a calling request to the wind control management platform to call the configuration information from the wind control management platform if the risk level of the product configuration exceeds a threshold value;
and the product configuration module is used for configuring the product according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
8. A product configuration based wind control device, characterized in that the product configuration based wind control device comprises: a memory, a processor, and a product configuration based wind control program stored on the memory and executable on the processor, wherein:
the product configuration based wind control program when executed by the processor implements the steps of the product configuration based wind control method according to any one of claims 1 to 4 and/or claims 5 to 6.
9. A product configuration based wind control system, comprising: the system comprises a product configuration platform and a wind control management platform, wherein the product configuration platform and the wind control management platform are both provided with a wind control sign device based on product configuration; wherein,
the product configuration platform sets a wind control identification of a product according to preset product information, wherein the wind control identification corresponds to the risk level of product configuration;
when a product configuration platform detects a product configuration request, acquiring a wind control identifier of a product in the product configuration request, and judging whether the risk level of the product configuration exceeds a threshold value or not according to the wind control identifier;
if the risk level of the product configuration exceeds a threshold value, the product configuration platform sends a calling request to the wind control management platform;
the wind control management platform acquires wind control related configuration information according to the calling request and sends the wind control related configuration information to the product configuration platform;
and the product configuration platform performs product configuration according to the called configuration information and preset product information corresponding to the product name in the product configuration request.
10. A computer storage medium, characterized in that the computer storage medium has a product configuration-based wind control program stored thereon, which when executed by a processor implements the steps of the product configuration-based wind control method according to any one of claims 1 to 4 and/or claims 5 to 6.
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