CN109784641A - Data-pushing device, equipment, method and readable storage medium storing program for executing - Google Patents

Data-pushing device, equipment, method and readable storage medium storing program for executing Download PDF

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Publication number
CN109784641A
CN109784641A CN201811529254.7A CN201811529254A CN109784641A CN 109784641 A CN109784641 A CN 109784641A CN 201811529254 A CN201811529254 A CN 201811529254A CN 109784641 A CN109784641 A CN 109784641A
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Prior art keywords
data
item
audit item
information
lender
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Chinese (zh)
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谢伟
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OneConnect Smart Technology Co Ltd
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OneConnect Smart Technology Co Ltd
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Priority to CN201811529254.7A priority Critical patent/CN109784641A/en
Publication of CN109784641A publication Critical patent/CN109784641A/en
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Abstract

The invention discloses a kind of data push method, which includes: to obtain default audit item, and send at most a financing mechanism side;Receive evaluation information of each financing mechanism side based on the default audit item;Standard air control data model is determined according to each evaluation information and the default audit item;The loan application data of lender are obtained according to the standard air control data model;By target fund side of the loan application data-pushing of the lender into the multiple financing mechanism side.The invention also discloses a kind of data-pushing device, data push service and readable storage medium storing program for executing.The loan application data for the lender that the present invention can will acquire carry out data normalization processing, and the information for meeting loan approval requirements is quickly pushed to fund side, improves the efficiency provided a loan on line.

Description

Data-pushing device, equipment, method and readable storage medium storing program for executing
Technical field
The present invention relates to technical field of data processing more particularly to data push methods, data-pushing device, data-pushing Equipment and readable storage medium storing program for executing.
Background technique
Currently, for the ease of needing the creditor of capital turnover to apply providing a loan to funds sides such as banks, usually in internet On establish financial platform and establish between creditor and fund side and dock channel.Financial platform can obtain the letter of application of creditor Breath, and application information is pushed to corresponding fund side and is examined.
However, different fund sides is different to the examination and approval project of creditor, thus the information of the creditor of required acquisition The information of difference, the creditor acquired in the fund side is uneven full-time, need to feed back to financial platform and obtain relevant information, finance is flat If platform did not collect the relevant information of creditor, or even need to contact creditor and provide relevant information again, cause on entire line Provide a loan process it is inefficient.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill Art.
Summary of the invention
The main purpose of the present invention is to provide a kind of data push methods, it is intended to will quickly meet loan approval requirements Information pushes to fund side, improves the efficiency provided a loan on line.
To achieve the above object, the present invention provides a kind of data push method, and the data push method includes following step It is rapid:
Default audit item is obtained, and sends at most a financing mechanism side;
Receive evaluation information of each financing mechanism side based on the default audit item;
Standard air control data model is determined according to each evaluation information and the default audit item;
The loan application data of lender are obtained according to the standard air control data model;
By target fund side of the loan application data-pushing of the lender into the multiple financing mechanism side.
Optionally, the step of acquisition multiple default audit items include:
Obtain the history air control interaction data in the first preset duration between financial platform and each financing mechanism side;
The default audit item is determined according to the history air control interaction data;
Optionally, described according to each evaluation information and the default audit item determines the step of standard air control data model After rapid, further includes:
When receiving information supplement instruction, the supplemental information item in the information supplement instruction is determined;
Count the receive number of the supplemental information item in the second preset duration;
When the receive number is greater than or equal to the second preset times, the supplemental information item is added to the standard Air control data model.
Optionally, to include each financing mechanism side agreed the evaluation information based on each thin item in the default audit item Calibration note or negative tag, it is described according to each evaluation information and the default audit item determines standard air control data model Step includes:
Using the thin item for marking corresponding default audit item certainly as effective audit item;
The standard air control data model is constructed according to effective audit item.
Optionally, described the step of constructing the standard air control data model according to effective audit item, includes:
Count the total quantity of the affirmative label of each effective audit item;
Item is audited using the total quantity effective audit item identical with the quantity of the financing mechanism side as standard, by institute Total quantity is stated less than effective audit item of preset quantity as additional audit item;
The feature field extracted in the standard audit item forms the first data framework;
Determine the financing mechanism side that label certainly is carried out to the additional audit item;
The additional audit item is associated with to be formed with the financing mechanism side for carrying out label certainly to the additional audit item and is reflected Rule is penetrated, the feature field extracted in the additional audit item forms the second data framework;
Merge first data framework, second data framework and the mapping ruler to form the standard air control Data model.
Optionally, described by the additional audit item and to the additional financing mechanism side for auditing item and carrying out label certainly Being associated with the step of forming mapping ruler includes:
Judge in the corresponding evaluation information of the additional audit item whether to include qualifications information;
When including qualifications information in the corresponding evaluation information of the additional audit item, the qualifications are believed Breath, the financing mechanism side for carrying out label certainly to the additional audit item are associated with to form the mapping rule with the additional audit item Then;
When not including qualifications information in the corresponding evaluation information of the additional audit item, by the additional audit item It is associated with to form the mapping ruler with the financing mechanism side for carrying out label certainly to the additional audit item.
Optionally, the step of loan application data that lender is obtained according to the standard air control data model are wrapped It includes:
First data framework is supplied to the lender, and obtains the lender and is based on first data frame The master data of frame feedback;
Extract the demand for loan information in the master data;
The demand for loan information is compared with the default borrowing needs information of each financing mechanism side respectively;
The corresponding financing mechanism side of determining default borrowing needs information consistent with the demand for loan information, as described The target fund side of lender;
When there is financing mechanism side consistent with the target fund side in the mapping ruler, by second data The corresponding feature field of target fund side described in frame is supplied to the lender, and obtains the lender and be based on described the The additional data of two data frameworks feedback;
Using the master data and the additional data as the loan application data of the lender.
In addition, to achieve the above object, the present invention also provides a kind of data-pushing device, the data-pushing device packet It includes:
Sending module for obtaining default audit item, and sends at most a financing mechanism side;
Receiving module, for receiving evaluation information of each financing mechanism side based on the default audit item;
Modeling module, for determining standard air control data model according to each evaluation information and the default audit item;
Data obtaining module, for obtaining the loan application data of lender according to the standard air control data model;
Pushing module, for the mesh by the loan application data-pushing of the lender into the multiple financing mechanism side Mark fund side.
In addition, to achieve the above object, the present invention also provides a kind of data push service, the data push service packet It includes: memory, processor and being stored in the data-pushing program that can be run on the memory and on the processor, it is described The step of as above described in any item data push methods are realized when data-pushing program is executed by the processor.
In addition, to achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, being deposited on the readable storage medium storing program for executing Data-pushing program is contained, as above described in any item data-pushing sides are realized when the data-pushing program is executed by processor The step of method.
A kind of data processing method that the embodiment of the present invention proposes, by the way that default audit item is sent to multiple financing mechanisms Side, and evaluation information of each financing mechanism side based on default audit item is received, it is true according to evaluation information and default audit item Calibrate quasi- air control data model, the project that can carry out feeding back examination & approval needed for it by evaluation information of each financing mechanism side, because And the loan application data of lender are obtained by established standard air control data model, it is ensured that acquired in financial platform Loan application data are complete, meet the examination & approval demand of any financing mechanism side, receive the cooperation of the loan application data of push Fund side provides the information of gaps and omissions without financial platform or creditor during being examined again.The present invention is realized institute The loan application data of the lender of acquisition carry out data normalization processing, to will quickly meet the information of loan approval requirements Fund side is pushed to, the efficiency provided a loan on line is improved.
Detailed description of the invention
Fig. 1 is the first pass schematic diagram of data push method embodiment of the present invention;
Fig. 2 is the second procedure schematic diagram of data push method embodiment of the present invention;
Fig. 3 is the third flow diagram of data push method embodiment of the present invention;
Fig. 4 is the 4th flow diagram of data push method embodiment of the present invention;
Fig. 5 is the 5th flow diagram of data push method embodiment of the present invention;
Fig. 6 is the 6th flow diagram of data push method embodiment of the present invention;
Fig. 7 is the device structure schematic diagram for the hardware running environment that data push service of the present invention is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The primary solutions of the embodiment of the present invention are: obtaining default audit item, and send at most a financing mechanism side;It connects Receive evaluation information of each financing mechanism side based on the default audit item;It is examined according to each evaluation information and described preset Core item determines standard air control data model;The loan application data of lender are obtained according to the standard air control data model;It will Target fund side of the loan application data-pushing of the lender into the multiple financing mechanism side.
Since in the prior art, the information of the creditor obtained required for different fund sides is different, when fund side is obtained The information of the creditor taken is uneven full-time, need to feed back to financial platform and obtain relevant information, if financial platform did not collect loan The relevant information of money people, or even creditor need to be contacted, relevant information is provided again, lead to the efficiency of loan process on entire line not It is high.
The present invention provides above-mentioned solution, with the loan application data normalization for the lender that will acquire, quickly will The information for meeting loan approval requirements pushes to fund side, improves the efficiency provided a loan on line.
In embodiments of the present invention, it proposes a kind of data push method, applied to platform of providing a loan on line, is used for lender Loan application data-pushing to fund side.Platform of providing a loan on line is specially to have the user of demand for loan to provide different fund sides The loan product information of (financial institutions such as different bank) establishes loan channel completion both sides' between lender and fund side The internet platform of loan transaction.
Specifically, referring to Fig.1, the data push method the following steps are included:
Step S10 obtains default audit item, and sends at most a financing mechanism side;
Default audit item is the default audit project formulated of air control audit demand according to different financing mechanism sides.Specifically , demand can be audited by obtaining the air control of multiple financing mechanism sides, audit demand system according to the air control of multiple financing mechanism sides Surely project is audited, the corresponding audit item destination aggregation (mda) formulated in all financing mechanism sides forms default audit item.Default audit item tool Body includes the thin item of multiple audits.
Financing mechanism side is to conclude cooperation agreement with financial platform on line and being that financial platform is offered a loan product on line Financial institution (such as bank).Financing mechanism can be specially it is all with line on financial platform cooperation fund side, can also be with It is that the fund side with financial platform cooperation on line of the loan product of default loan types is provided for financial platform on line.Loan class Type may particularly include personal loan and business loan etc..Different loan types, which can correspond to, formulates different default audit items.This Outside, different loan types can also be corresponding with the set of different financing mechanism sides.
Wherein, the server that audit item can be respectively sent to each financing mechanism side is preset.Other than default audit item, also Default audit item and evaluation feedback request can be sent to multiple financing mechanism sides simultaneously.Evaluation feedback request, which may particularly include, to be wanted It seeks feedback form, feedback time, evaluation is required to illustrate information etc..
Step S20 receives evaluation information of each financing mechanism side based on the default audit item;
After the server of financing mechanism side receives default audit item and evaluation feedback request, by default audit item and it can comment Valence feedback request generates prompt information, is sent to each air control auditor, and receive the feedback knot of each air control auditor Fruit.It, can be for statistical analysis to feedback result and according to the requirement feedback shape in evaluation feedback request after receiving feedback result Formula forms evaluation information after being converted.Wherein, the cumulative time can be started when sending default audit item to financing mechanism side.When There are financing mechanism side's corresponding cumulative time be greater than or equal to evaluation feedback request in requirement feedback time when, can again to The financing mechanism side sends default audit item and evaluation feedback request, to guarantee to can receive the evaluation letter of each financing mechanism side Breath.
Evaluation information may particularly include each financing mechanism side and be based in the default audit item or default audit item respectively The affirmative label or negative tag of thin item may also comprise difference of each financing mechanism side based on each thin item in default audit item Default code name.Different evaluation informations can reflect financing mechanism side to the evaluation result of different thin items in default audit item.? In evaluation information, all thin items of default audit item can correspond to label or a negative tag certainly, in addition, default audit item Each thin item can respectively correspond label or a negative tag certainly.Certainly label show financing mechanism side to default audit item or A certain thin item is selected in default audit item, and negative tag shows financing mechanism side to certain in default audit item or default audit item The rejection of one thin item.In addition, the thin item of each of default audit item can respectively correspond a default code name in evaluation information.Often A default code name can represent an opinion rating, and different opinion ratings can be shown that each thin item for the difference of financing mechanism side Significance level.
Step S30 determines standard air control data model according to each evaluation information and the default audit item;
After the evaluation information for receiving each financing mechanism side, evaluation information can be analyzed and counted, according to analysis Effective audit item in all thin items in the default audit item of structure determination.Standard air control data mould is established according to effective audit item Type.Standard air control data model is the data framework for obtaining data needed for air control is audited.
When evaluation information includes affirmative label or negative tag of the financing mechanism side based on default audit item, if all conjunctions Making all labels based on default audit item in the evaluation information of fund side is to mark certainly, then can preset audit item and be used as has Effect audit item, and standard air control data model is generated according to effective audit item.It may particularly include visitor in standard air control data model The essential information item at family, demand for loan item of information, image data item of information, contract signature item of information, air control approval information item or Other more projects.
It include different default code names of each financing mechanism side based on each thin item in default audit item in evaluation information When, according to the opinion rating for determining each thin item, different evaluation grade can be correspondingly provided with different weights.Based on evaluation information, really Fixed each financing mechanism side corresponding weight in each thin item, the weight of all financing mechanism sides in each thin item is carried out tired Add, determines that sum weight is greater than or equal to the thin item of the first preset value, and audit item as standard;Determine each financing mechanism side Corresponding weight is greater than or equal to the thin item of the second preset value as the thin item of target, determines sum weight less than the first preset value The thin item of target is additional audit item, and standard air control number is added to after additional audit item is associated with corresponding financing mechanism side According in model.
Step S40 obtains the loan application data of lender according to the standard air control data model;
Standard air control data model can when receiving loan application request, by standard air control model display to lender, And receive loan application data of the lender based on lender provided by standard air control data model.
The loan application data of lender, which are specially lender, carries out loan application to fund side by financial platform on line The information that Shi Suoxu is provided.Fund can carry out air control audit according to loan application data, to decide whether to make loans to lender.
Step S50, by target fund side of the loan application data-pushing of the lender into multiple financing mechanism sides.
Target fund side is the quasi- financing mechanism side for carrying out loan application of lender in multiple financing mechanism sides.Its In, the loan application demand of lender can be first obtained, it is true in multiple financing mechanism sides according to the loan application demand of lender Fixed corresponding target fund side.In addition, the identity of lender can also be obtained, according to the identity of lender in multiple conjunctions Make to determine corresponding target fund side in fund side.
It, can be by the loan application data-pushing of lender to target fund side after determining target fund side.
A kind of data processing method that the embodiment of the present invention proposes, by the way that default audit item is sent to multiple financing mechanisms Side, and evaluation information of each financing mechanism side based on default audit item is received, it is true according to evaluation information and default audit item Calibrate quasi- air control data model, the project that can carry out feeding back examination & approval needed for it by evaluation information of each financing mechanism side, because And the loan application data of lender are obtained by established standard air control data model, it is ensured that acquired in financial platform Loan application data are complete, meet the examination & approval demand of any financing mechanism side, receive the cooperation of the loan application data of push Fund side provides the information of gaps and omissions without financial platform or creditor during being examined again.The present invention is realized institute The loan application data of the lender of acquisition carry out data normalization processing, to will quickly meet the information of loan approval requirements Fund side is pushed to, the efficiency provided a loan on line is improved.
Further, referring to Fig. 2, the step of acquisition multiple default audit items, includes:
Step S11 obtains the history air control in the first preset duration between financial platform and each financing mechanism side and hands over Mutual data;
History air control interaction data can be specially on line the be provided to financing mechanism side of financial platform about loaning bill side Type, content, time, form of air control data etc. and financing mechanism side wind provided by financial platform on receiving line Type, content, form, the reason of air control data etc. about loaning bill side that financial platform is supplemented on line are required after control data.
First preset duration can be calculated specifically since current time, until the duration of past a certain predetermined time.
Specifically, can determine the loan types of lender application.The first preset duration is obtained according to determining loan types History air control interaction data on interior lines between financial platform and each financing mechanism side.Loan types can concrete foundation loan The difference of main body may particularly include personal loan or business loan, can be according to the difference loan of the intended use of the loan under same loan main body Type may particularly include vehicle loan, housing loan etc..Requirement due to different loan types to air control is different, and it is pre- can to obtain first If the history air control interaction data in duration between financial platform corresponding with loan types and each financing mechanism side
Step S12 determines the default audit item according to the history air control interaction data;
Analyze the item of information in the history air control interaction data and its corresponding interaction times;Here interaction times can Specifically include financial platform by the item of information be supplied to financing mechanism side number and financing mechanism side require supplement the information The total degree of the number of item.Interaction times are greater than or equal to the item of information of the first preset times as the default audit item.
In the present embodiment, default audit item is determined by analysis of history air control interaction data, can be made identified pre- If audit item and actual service operation environment more coincide, advantageously ensure that determined by default audit item accuracy and Integrality.
Further, described according to each evaluation information and the default audit item determines standard air control number referring to Fig. 3 After the step of model, further includes:
Step S60 determines the supplemental information item in the information supplement instruction when receiving information supplement instruction;
Due to the exploitation of different, the new loan product with policy, data needed for financing mechanism side carries out air control audit It can not be constant always.Therefore, the loan of the lender got based on standard air control data model is received in financing mechanism side After money request for data, if necessary when the relevant information of supplementary loan side, financial platform information supplement instruction can be sent on line. The supplemental information item content etc. of supplement needed for information supplement instruction may particularly include the essential information of lender, lender.
Step S70 counts the receive number of the supplemental information item in the second preset duration;
After determining supplemental information item, can determine whether supplemental information item is that demand supplement, supplemental information item are for the first time for the first time Demand supplement, then can be defined as preset field for supplemental information item.Specifically, the tagged word for extracting supplemental information item can be analyzed Section, feature field and preset field are compared, and are compared inconsistent then supplemental information item as the supplement of demand for the first time, are compared unanimously, mend Item of information is filled for non-demand for the first time supplement.
Count the receive number of the identical supplemental information item in the second preset duration.Start to count in the second preset duration When, it is reset in memory about the number of the supplemental information item, in the second preset duration, often receives primary supplement letter The receive number counted in breath item memory accumulates once.
The supplemental information item is added to by step S80 when the receive number is greater than or equal to the second preset times The standard air control data model.
It, can be by supplemental information item when the accumulative number for receiving supplemental information item is greater than or equal to the second preset times Above-mentioned standard air control data model is added to as effective audit item;When the accumulative number for receiving supplemental information item is less than When the second preset times, standard air control data model can not be adjusted.The specific value of second preset times can be according to actually making It is configured with situation.
In the present embodiment, by believing in the second preset duration identical supplement in the information supplement instruction received The receive number of breath item is counted, and when receive number is greater than or equal to the second preset times, is adjusted according to supplemental information item Standard air control data model, thus guarantee that standard air control data model can be adjusted with the use demand of financing mechanism side, The accuracy of guarantee standard air control data model.
When evaluation information includes affirmative label or negative tag of the financing mechanism side based on default audit item, according to each institute State evaluation information and the step of default audit item determines standard air control data model include: by it is described mark certainly it is corresponding The thin item of default audit item is as effectively audit item;The standard air control data model is constructed according to effective audit item.Its The thin item of the corresponding default audit item of middle negative tag is invalid audit item, is not involved in the building of standard air control data model.Tool Body, referring to Fig. 4, described the step of constructing the standard air control data model according to effective audit item, includes:
Step S31 counts the total quantity of the affirmative label of each effective audit item;
Specifically, each corresponding initial count value of item of effectively auditing is 0, it is successively right to the thin item of each default audit item The evaluation information answered is analyzed, when evaluation information is to mark certainly, count value cumulative 1;When evaluation information is negative tag When, calculated value, which is not done, to be changed.After analyzing the evaluation information of the thin item of all default audit items, each will effectively it audit Total quantity of the corresponding current count value of item as affirmative label of effective audit item.
Step S32 is examined using the total quantity effective audit item identical with the quantity of the financing mechanism side as standard The total quantity is less than effective audit item of preset quantity as additional audit item by core item;
Standard audit item is that each financing mechanism side is required to carry out the item of information of air control audit, and adding audit item is part Financing mechanism side needs to carry out the item of information of air control audit.It therefore, can be by the number of the total quantity of label and financing mechanism side certainly Identical effective audit item is measured as standard and audits item, in standard air control data model, any one financing mechanism side's conduct Target fund side can receive the loan application data of the lender obtained based on standard audit item.
In addition, the total quantity of label certainly can be less than to effective audit item of preset quantity as additional audit item.It is different Financing mechanism can be corresponding with different additional audit items.Preset quantity may be less than or equal to the total quantity of financing mechanism side, It can be configured according to specific requirements.When the total quantity marked certainly is less than preset quantity, which is regarded as The special air control of partial cooperation fund side, which is audited, to be required, when target fund side is specific financing mechanism side, Cai Huixiang target The loan application data for the lender that the push of fund side is obtained based on additional audit item.
Step S33, the feature field extracted in the standard audit item form the first data framework;
For example, standard audit item is that can extract feature field " income " when auditing the income situation of lender and be used as the mark The corresponding feature field of quasi- audit item.The feature field of each standard audit item is synthesized according to preset rules, forms first Data framework.For the ease of obtaining user information, the first data framework can be specially visualized data frame, can be in default template Middle displaying feature field forms the first data framework.
Preset rules may particularly include the logical relation etc. between the sequence of feature field arrangement, feature field.Specifically, Different data types can be pre-established, as lender essential information, the loan application demand information of lender, lender card Bright material information, history loan documentation information of lender etc..The corresponding feature field of data type of the same race can form tagged word Duan Jihe, feature field corresponding to different types of data can be correspondingly arranged on different display areas in default template, mention After taking feature field, it may be determined that the corresponding data type of feature field determines corresponding show area according to determining data type Domain shows feature field in determining display area, forms the first data framework.
Step S34 determines the financing mechanism side that label certainly is carried out to the additional audit item;
Step S35, by the additional audit item and the financing mechanism side for carrying out label certainly to the additional audit item Association forms mapping ruler, and the feature field extracted in the additional audit item forms the second data framework;
Since the difference that different financing mechanisms can audit demand according to its air control is corresponding with different additional audit items. Accordingly, it can be determined that carrying out the financing mechanism side of label certainly to each additional audit item.By determining financing mechanism side respectively with its The additional audit item for carrying out label certainly is associated to form mapping ruler.
Here, the generation type of the second data framework is not made herein for details, reference can be made to the generation type of the first data framework It repeats.
Step S36 merges first data framework, second data framework and the mapping ruler described in being formed Standard air control data model.
Standard air control data model can be implemented in preset electronic table.Specifically, the first data framework and the second data frame The difference that frame can be respectively in preset electronic table presets worksheet, and mapping ruler is using preset electronic table as standard air control data Model.Alternatively, the first data framework and the second data framework can be respectively in different preset electronic tables, by two electrical forms into Standard air control data model is formed after row encapsulation.Wherein, the second data of standard air control data model are formed according to mapping ruler The whether visual processing logic of the corresponding feature field of audit item is added in frame, is obtaining lender using the second data framework Loan application data before, after determining target fund side, can according to mapping ruler formed processing logic determine the second data frame Corresponding feature field is shown in frame, and other feature fields are hidden, to improve the effect for obtaining loan application data Rate.In addition, mapping ruler can also worksheet or electrical form where the second data framework attribute value be added to worksheet or In electrical form, after the loan application data for getting lender, pushed away after extracting attribute value according to needed for attribute value screening It send to the data of target fund side.
In embodiments of the present invention, it is constructed by forming the first data framework, the second data framework and mapping ruler Standard air control data model, no matter which fund side target fund side is, based on loan acquired in standard air control data model The loan application data of money side can meet the air control audit demand of target fund side.Wherein, the setting of mapping ruler, can be used for When target fund side audits demand there are its special air control, loan application of the foundation mapping ruler from acquired lender Additional data is extracted in data, while the master data obtained based on the first data framework is extracted from lender data, it will be attached Addend evidence and master data are sent to target fund side as target data, and it is more to advantageously ensure that target fund side will not be got Remaining lender data improve target fund side and extract data and audit the efficiency of data, examined with shortening air control of providing a loan on entire line The process of core.
Further, described to be associated with the additional audit item to form mapping rule with the financing mechanism side determined referring to Fig. 5 Then the step of includes:
Whether step S351 judges in the corresponding evaluation information of the additional audit item to include qualifications information;
Here qualifications information is the precondition that financing mechanism side needs to obtain the corresponding data of additional audit item. When the loan application data of lender are unsatisfactory for qualifications information, it is corresponding that financing mechanism needs to obtain just now additional audit item Lender loan application data;When the loan application data of lender meet qualifications information, financing mechanism side is not Need to obtain the loan application data of the corresponding lender of additional audit item.
When step S352 in the corresponding evaluation information of the additional audit item includes qualifications information, by the limit Fixed condition information, the financing mechanism side for carrying out label certainly to the additional audit item are associated with to form institute with the additional audit item State mapping ruler;
Different financing mechanism sides is corresponding with different qualifications information in same additional audit Xiang Zhongke.Different conjunctions Corresponding qualifications information can be arranged to different additional audit items by making fund.It is wrapped when in the evaluation information of additional audit item When information containing qualifications, the financing mechanism side of affirmative label can be carried out by each additional audit item and to additional audit item, be somebody's turn to do Financing mechanism side is associated additional the added qualifications information three of audit item, forms mapping ruler.
It, will be described when step S353 in the corresponding evaluation information of the additional audit item does not include qualifications information Additional audit item is associated with to form the mapping ruler with the financing mechanism side for carrying out label certainly to the additional audit item.
When not including qualifications information in the corresponding evaluation information of additional audit item, only need to by additional audit item with it is right The financing mechanism side that the additional audit item carries out label certainly is associated with to form mapping ruler.
In embodiments of the present invention, the corresponding qualifications information of additional audit item is added in mapping ruler, will be added Audit item and its corresponding qualifications information, financing mechanism side three are associated.Qualifications information can be used for being based on After standard air control data model gets the loan application data of lender, using qualifications information to the loan Shen of lender Please data carry out preliminary audit survey, if the loan application data of lender meet qualifications information, will from be based on the second data In the loan application data of lender acquired in frame, number corresponding to the corresponding additional audit item of qualifications information is extracted Target fund side is pushed to together with the master data based on lender acquired in the first data framework according to as additional data. Preliminary audit survey is carried out by loan application data of the qualifications information to lender to provide more with the audit for target fund side Comprehensive data shorten the air control auditing flow of target fund side, reduce the number on target fund side and line between financial platform According to interaction times.
Specifically, referring to Fig. 6, the loan application data that lender is obtained according to the standard air control data model Step includes:
First data framework is supplied to the lender by step S41, and is obtained the lender and be based on described the The master data of one data framework feedback;
Master data may particularly include the basic identity information of lender, demand for loan information etc..Each financing mechanism side It is both needed to audit master data when carrying out air control audit.
Step S42 extracts the demand for loan information in the master data;
Step S43, by the demand for loan information respectively with the default borrowing needs information of each financing mechanism side into Row compares;
Specifically, the different loan products of different financing mechanism sides can be correspondingly arranged on different default borrowing needs. It can be obtained according to determining loan product corresponding first from the loan product of application needed for lender determining in demand for loan information The default borrowing needs of financing mechanism side.Demand for loan information is compared with default borrowing needs,
Step S44, the corresponding financing mechanism side of determining consistent with the demand for loan information default borrowing needs information, Target fund side as the lender;
Financing mechanism side corresponding with the consistent default borrowing needs information of demand for loan information, it may be determined that be target fund Side.If financing mechanism side corresponding with the consistent default borrowing needs information of demand for loan information has multiple, it can will determine Multiple financing mechanism directions lender fed back, and the selected information of lender is obtained, according to the selected information of lender Determine corresponding financing mechanism side as target fund side.
Step S45 will be described when there is financing mechanism side consistent with the target fund side in the mapping ruler The corresponding feature field in target fund side described in second data framework is supplied to the lender, and obtains the lender base In the additional data of second data framework feedback;
Since in mapping ruler, different financing mechanism sides corresponds to different additional audit items, different additional audit items It is corresponding to extract different feature field the second data frameworks of generation.Therefore, different financing mechanism sides is in the second data framework It is corresponding with different feature fields.Therefore spy corresponding with target fund side in the second data framework can be determined according to mapping ruler Sign field is supplied to lender, and obtains the additional number that lender is fed back based on feature field corresponding in the second data framework According to.
Specifically, including financing mechanism side, the additional association for auditing item and qualifications information three in mapping ruler When relationship, the corresponding qualifications information in target fund side can be determined according to mapping ruler, judges whether master data meets limit Fixed condition information can determine that qualifications information is corresponding when master data is unsatisfactory for qualifications information according to mapping ruler Additional audit item, the determining corresponding feature field of additional audit item is extracted in the second data framework and is supplied to lender, And obtain the additional data that lender is fed back based on feature field corresponding in the second data framework.
Step S46, using the master data and the additional data as the loan application data of the lender.
In the present embodiment, during obtaining the loan application data of lender using standard air control data model, The master data of lender can be first obtained based on the first data framework, after determining target fund side by master data, foundation is reflected It penetrates rule and the corresponding feature field in target fund side in the second data framework is supplied to lender to obtain the additional of lender Data.On the one hand it can avoid lender and unwanted data be provided, the loan application data for shortening lender provide the time, another Aspect can guarantee that acquired data can meet the air control audit demand of target fund side.By the above-mentioned means, can effective letter The step of changing lender application loan, reduces the number on line in financial platform and lender, line between financial platform and fund side According to interaction times.
In addition, the embodiment of the present invention also proposes that a kind of data-pushing device, the data-pushing device include:
Sending module for obtaining default audit item, and sends at most a financing mechanism side;
Receiving module, for receiving evaluation information of each financing mechanism side based on the default audit item;
Modeling module, for determining standard air control data model according to each evaluation information and the default audit item;
Data obtaining module, for obtaining the loan application data of lender according to the standard air control data model;
Pushing module, for the mesh by the loan application data-pushing of the lender into the multiple financing mechanism side Mark fund side.
The specific embodiment of each module and each embodiment base of above-mentioned data push method in data-pushing device of the present invention This is identical, and details are not described herein.
In addition, as shown in fig. 7, the embodiment of the present invention also proposes a kind of data push service, the data push service packet It includes: processor 1001, such as CPU, network interface 1002, user interface 1003, memory 1004, communication bus.Wherein, it communicates Bus is for realizing the connection communication between these components.User interface 1003 may include display screen (Display), input list First such as keyboard (Keyboard), optional user interface 1003 can also include standard wireline interface and wireless interface.Network connects Mouth 1004 may include optionally standard wireline interface and wireless interface (such as WI-FI interface).Memory 1004 can be high speed RAM memory is also possible to stable memory (non-volatile memory), such as magnetic disk storage.Memory 1004 It optionally can also be the storage device independently of aforementioned processor 1001.
It will be understood by those skilled in the art that device structure shown in Fig. 7 does not constitute the restriction to equipment, can wrap It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
As shown in fig. 7, as may include that operating system, network are logical in a kind of memory 1004 of computer storage medium Believe module, Subscriber Interface Module SIM and data-pushing program.
In equipment shown in Fig. 7, network interface 1002 is mainly used for connecting background server, carries out with background server Data communication;User interface 1003 is mainly used for connecting client (user terminal), carries out data communication with client;And processor 1001 can be used for calling the data-pushing program stored in memory 1004, and execute step in data push method above Relevant operation
The specific embodiment of data push service of the present invention and each embodiment of above-mentioned data push method are essentially identical, This is repeated no more.
In addition, the embodiment of the present invention also proposes a kind of readable storage medium storing program for executing, data are stored on the readable storage medium storing program for executing Push products is realized when the data-pushing program is executed by processor such as the data push method referred in above example Step.
Readable storage medium storing program for executing specific embodiment of the present invention and each embodiment of above-mentioned data push method are essentially identical, herein It repeats no more.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in one as described above In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that terminal device (it can be mobile phone, Computer, server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills Art field, is included within the scope of the present invention.

Claims (10)

1. a kind of data push method, which is characterized in that the data push method the following steps are included:
Default audit item is obtained, and sends at most a financing mechanism side;
Receive evaluation information of each financing mechanism side based on the default audit item;
Standard air control data model is determined according to each evaluation information and the default audit item;
The loan application data of lender are obtained according to the standard air control data model;
By target fund side of the loan application data-pushing of the lender into the multiple financing mechanism side.
2. data push method as described in claim 1, which is characterized in that the step of acquisition multiple default audit items wraps It includes:
Obtain the history air control interaction data in the first preset duration between financial platform and each financing mechanism side;
The default audit item is determined according to the history air control interaction data.
3. data push method as described in claim 1, which is characterized in that described according to each evaluation information and described pre- If after the step of audit item determines standard air control data model, further includes:
When receiving information supplement instruction, the supplemental information item in the information supplement instruction is determined;
Count the receive number of the supplemental information item in the second preset duration;
When the receive number is greater than or equal to the second preset times, the supplemental information item is added to the standard air control Data model.
4. data push method as claimed any one in claims 1 to 3, which is characterized in that the evaluation information includes each Affirmative label or negative tag of the financing mechanism side based on each thin item in the default audit item, it is described according to each institute's commentary The step of valence information and the default audit item determine standard air control data model include:
Using the thin item for marking corresponding default audit item certainly as effective audit item;
The standard air control data model is constructed according to effective audit item.
5. data push method as claimed in claim 4, which is characterized in that described according to effective audit item building The step of standard air control data model includes:
Count the total quantity of the affirmative label of each effective audit item;
Item is audited using the total quantity effective audit item identical with the quantity of the financing mechanism side as standard, it will be described total Quantity is less than effective audit item of preset quantity as additional audit item;
The feature field extracted in the standard audit item forms the first data framework;
Determine the financing mechanism side that label certainly is carried out to the additional audit item;
The additional audit item is associated with to form mapping rule with the financing mechanism side for carrying out label certainly to the additional audit item Then, the feature field extracted in the additional audit item forms the second data framework;
Merge first data framework, second data framework and the mapping ruler to form the standard air control data Model.
6. data push method as claimed in claim 5, which is characterized in that it is described by the additional audit item with to described attached The financing mechanism side for adding audit item to carry out label certainly is associated with the step of forming mapping ruler and includes:
Judge in the corresponding evaluation information of the additional audit item whether to include qualifications information;
When including qualifications information in the corresponding evaluation information of the additional audit item, by the qualifications information, right The financing mechanism side that the additional audit item carries out label certainly is associated with to form the mapping ruler with the additional audit item;
When not including qualifications information in the corresponding evaluation information of the additional audit item, by the additional audit item with it is right The financing mechanism side that the additional audit item carries out label certainly is associated with to form the mapping ruler.
7. data push method as claimed in claim 5, which is characterized in that described to be obtained according to the standard air control data model The step of taking the loan application data of lender include:
First data framework is supplied to the lender, and it is anti-based on first data framework to obtain the lender The master data of feedback;
Extract the demand for loan information in the master data;
The demand for loan information is compared with the default borrowing needs information of each financing mechanism side respectively;
The corresponding financing mechanism side of determining default borrowing needs information consistent with the demand for loan information, as the loan The target fund side of side;
When there is financing mechanism side consistent with the target fund side in the mapping ruler, by second data framework Described in the corresponding feature field in target fund side be supplied to the lender, and obtain the lender be based on it is described second number According to the additional data of frame feedback;
Using the master data and the additional data as the loan application data of the lender.
8. a kind of data-pushing device, which is characterized in that the data-pushing device includes:
Sending module for obtaining default audit item, and sends at most a financing mechanism side;
Receiving module, for receiving evaluation information of each financing mechanism side based on the default audit item;
Modeling module, for determining standard air control data model according to each evaluation information and the default audit item;
Data obtaining module, for obtaining the loan application data of lender according to the standard air control data model;
Pushing module, for providing target of the loan application data-pushing of the lender into the multiple financing mechanism side Jin Fang.
9. a kind of data push service, which is characterized in that the data push service includes: memory, processor and is stored in On the memory and the data-pushing program that can run on the processor, the data-pushing program is by the processor The step of data push method as described in any one of claims 1 to 7 is realized when execution.
10. a kind of readable storage medium storing program for executing, which is characterized in that data-pushing program is stored on the readable storage medium storing program for executing, it is described The step of data push method as described in any one of claims 1 to 7 is realized when data-pushing program is executed by processor.
CN201811529254.7A 2018-12-13 2018-12-13 Data-pushing device, equipment, method and readable storage medium storing program for executing Pending CN109784641A (en)

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Application publication date: 20190521