CN110033168A - A kind of order allocation method and relevant device based on data processing - Google Patents
A kind of order allocation method and relevant device based on data processing Download PDFInfo
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Abstract
The embodiment of the present application discloses a kind of order allocation method and relevant device based on data processing, the method is applied to technical field of data processing, it include the identity information that loan order corresponds to user in the order information the described method includes: receiving the order information of loan order.If verifying obtains the identity information and matches with the identity information of pre-stored user, then obtain the audit class information with each audit corresponding identification information associated storage of object, and each corresponding audit grade of audit object is determined based on audit class information, and it determines to audit grade with the matched target of default allocation rule from each audit grade, and then loan Order splitting to the corresponding audit object of target audit grade is carried out audit processing.Using the application, the treatment effeciency for improving loan order can be conducive to by loan Order splitting to audit object corresponding with the matched target audit grade of default allocation rule.
Description
Technical field
This application involves technical field of data processing more particularly to a kind of order allocation methods and phase based on data processing
Close equipment.
Background technique
Currently, when a loan order needs to distribute, general use first is distributed in the assigning process of loan order
Rudimentary audit object audits the loan order, after rudimentary audit object passes through, is giving the loan Order splitting to height
Grade audit object is audited.It can be found that such method of salary distribution, the treatment effeciency for order of providing a loan is lower.
Apply for content
The embodiment of the present application provides a kind of order allocation method and relevant device based on data processing, is conducive to improve
The treatment effeciency of order.
In a first aspect, the embodiment of the present application provides a kind of order allocation method based on data processing, this method comprises:
The order information of loan order is received, includes the identity letter that the loan order corresponds to user in the order information
Breath；
Verify whether the identity information matches with the identity information of the pre-stored user；
If verifying obtains the identity information and matches with the identity information of the pre-stored user, acquisition with it is each
The audit class information of the corresponding identification information associated storage of object is audited, the audit class information is examined according to described
The risk class of the user of data or the audit subjects history audit is true after the loan of the loan order of core subjects history audit
Fixed, data include the refund information of the loan order of the history audit after the loan；
Each corresponding audit grade of audit object is determined based on the audit class information, and from each
It is determined in the audit grade and the matched target audit grade of default allocation rule；
The loan Order splitting to the corresponding audit object of target audit grade is subjected to audit processing.
In one embodiment, the nearest loan of user distance system time can also be obtained according to the first default detection cycle
Data after the loan of money order, data include the refund information of the nearest loan order after the loan；Believed according to the refund
Breath determines refund classification belonging to the nearest loan order；It is corresponding with risk class according to preconfigured refund classification
Relationship determines the corresponding first object risk class of refund classification belonging to the nearest loan order；To the user's
Identity information addition and the matched target risk label of the first object risk class, and the target risk label will be added
The identity information store into database, in order to determine the risk etc. of the user according to the target risk label
Grade.
In one embodiment, after the loan of N pen loan order that user can also be obtained according to the second default detection cycle
Data, data include refund information of the user for every order of providing a loan in described N loan order after the loan, described
N is the integer greater than 0；Based on default risk algorithm and the user for the refund information of every loan order, determine
The risk index of the user；From in the corresponding relationship of preconfigured risk index and risk class, the user is determined
The corresponding second target risk grade of risk index；To the identity information addition of the user and described second target risk etc.
The matched target risk label of grade, and the identity information for adding the target risk label is stored into database, with
Convenient for determining the risk class of the user according to the target risk label.
In one embodiment, described to store the identity information for adding the target risk label into database
Later, the identity information of each user in the audit object M user that history is audited within a preset time can also be obtained, institute
Stating M is the integer greater than 0；According to the target risk label for including in the identity information of each user, determine each
The risk class of user；The number of users of each risk class in the preset time is counted, and according to each risk etc.
The number of users of grade accounts for the ratio of the M, determines the audit grade of the audit object；Generation is used to indicate the audit grade
Audit class information, and by it is described audit class information and it is described audit object identification information associated storage.
In one embodiment, the audit object L pen loan order that history is audited within a preset time can also be obtained
Data after loan, data include the refund information of every loan order in the L loan order after the loan, and the L is greater than 0
Integer；According to the refund information determine every loan order in the L loan order belonging to refund classification；Statistics institute
The loan quantity on order of each refund classification in preset time is stated, and is accounted for according to the loan quantity on order of each refund classification
The ratio of the L determines the audit grade of the audit object；Generate the audit grade letter for being used to indicate the audit grade
Breath, and class information and the identification information associated storage for auditing object are audited by described.
In one embodiment, the default allocation rule is used to indicate the loan Order splitting to audit grade most
High audit object, it is described to be determined from each audit grade and the matched target audit grade of default allocation rule
Specific embodiment are as follows: determine that highest audits grade from each audit grade, and detect the highest audit grade
Whether the task amount of corresponding audit object is less than preset task amount threshold value；If detecting, the task amount is less than the preset task
Threshold value is measured, then is determined as highest audit grade auditing grade with the default matched target of allocation rule.
In one embodiment, the default allocation rule be used to indicate by the loan Order splitting to the loan
Order corresponds to the matched audit object of the risk class of user, described to determine and preset from each audit grade
The specific embodiment of the matched target audit grade of allocation rule are as follows: include according to identity information described in the order information
The target risk label, determine that the loan order corresponds to the risk class of user；Foundation presets risk matching rule, from
It is determined in each audit grade and the matched audit grade of the risk class；It described will be matched with the risk class
Audit grade, be determined as and the matched target audit grade of the default allocation rule.
Second aspect, the embodiment of the present application provide a kind of Order splitting device based on data processing, should be based on data
The Order splitting device of processing includes the unit for executing the method for above-mentioned first aspect.
The third aspect, the embodiment of the present application provide a kind of server, which includes processor, network interface and deposit
Reservoir, the processor, network interface and memory are connected with each other, wherein control of the network interface by the processor
For messaging, the memory is used to store the computer program for supporting server to execute the above method, the computer
Program includes program instruction, and the processor is configured for calling described program instruction, the method for executing above-mentioned first aspect.
Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, and the computer program includes program instruction, and described program instructs when being executed by a processor
The method for making the processor execute above-mentioned first aspect.
In the embodiment of the present application, server can receive the order information of loan order, include loan in the order information
Order corresponds to the identity information of user.If verifying obtains the identity information and matches with the identity information of pre-stored user,
The audit class information with each audit corresponding identification information associated storage of object is obtained, and based on audit class information
It determines each corresponding audit grade of audit object, and is determined and default allocation rule from each audit grade
The target audit grade matched, and then loan Order splitting to the corresponding audit object of target audit grade is subjected to audit processing.
It, can be by loan Order splitting to audit pair corresponding with the matched target audit grade of default allocation rule using the application
As being conducive to the treatment effeciency for improving loan order.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to needed in embodiment description
Attached drawing is briefly described, it should be apparent that, the accompanying drawings in the following description is some embodiments of the present application, general for this field
For logical technical staff, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of flow diagram of order allocation method based on data processing provided by the embodiments of the present application；
Fig. 2 is the flow diagram of another order allocation method based on data processing provided by the embodiments of the present application；
Fig. 3 is the flow diagram of another order allocation method based on data processing provided by the embodiments of the present application；
Fig. 4 is a kind of schematic block diagram of Order splitting device based on data processing provided by the embodiments of the present application；
Fig. 5 is a kind of schematic block diagram of server provided by the embodiments of the present application.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Based on this Shen
Please in embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall in the protection scope of this application.
Show referring to the process that Fig. 1, Fig. 1 are a kind of order allocation methods based on data processing provided by the embodiments of the present application
It is intended to, this method can be executed by server, as shown, being somebody's turn to do the order allocation method based on data processing can include:
101: receiving the order information of loan order, include the identity letter that loan order corresponds to user in the order information
Breath.Wherein, which may include the identity of user, such as certificate identifier, name.
102: verifying whether the identity information matches with the identity information of pre-stored above-mentioned user.
Wherein, above-mentioned server can be the corresponding server of loan platform, may be used to provide loan related service.?
In one embodiment, loan user (user i.e. described herein) can log in the loan platform, when server detects
When the non-typing identity information of user, user's typing identity information can be prompted, such as the passport NO. of user, name, birthday, property
Not etc., and by the user account associated storage of the identity information of user's typing and the user into database.In this case,
When user wants loan, loan platform can be logged in by the user account registered in the loan platform, and flat by the loan
The identity information of itself is filled in platform and submits loan application.Further, it is corresponding that the loan application can be generated in loan platform
The order information of loan order, and the loan order is corresponded into order information and is sent to server, which includes user
The identity information and user account filled in.It further, can basis after server receives the order information of the loan order
User account in the order information goes in database to search the identity information of the user account associated storage, and the user is worked as
Before the identity information (i.e. loan order correspond to the identity information of user) filled in and pre-stored identity information progress similarity
Comparison, if comparison obtains similarity between the two and is more than or equal to default similarity threshold, it is determined that the user currently fills out
The identity information write is matched with pre-stored identity information.Wherein, which is developer according to experiment
As a result it is arranged.
103: if verifying obtains above-mentioned identity information and matches with the identity information of the pre-stored user, obtaining and each
The audit class information of a audit corresponding identification information associated storage of object, the audit class information are according to audit pair
As history audit loan order loan after data or audit subjects history audit user risk class determine, the loan
Data include the refund information of the loan order of history audit afterwards.Wherein, the identification information of the audit object can be audit pair
Work number, certificate number of elephant etc. can audit the information of object with unique identification.
In one embodiment, which can be the loan of the loan order according to audit subjects history audit
Data determine afterwards, and data may include the refund information of the loan order of history audit after the loan.In the specific implementation, server
The L pen of available audit object history audit within a preset time provide a loan order loan after data, data include L after the loan
The refund information of every loan order in loan order, the L are the integer greater than 0.Further, server can be according to this also
Money information determines refund classification belonging to every loan order in L loan orders, which may include normally refunding
With it is overdue refund etc..In this case, server can count the loan quantity on order of each refund classification in preset time, and
The ratio of L is accounted for according to the loan quantity on order of each refund classification, determines the audit grade of audit object, and generate and be used to indicate
The audit class information of the audit grade, and then the audit class information is associated with the identification information of above-mentioned audit object and is deposited
Storage.
In one embodiment, it is assumed that the refund classification includes that normal refund is (hereinafter referred to as the first refund classification) and overdue
Refund (hereinafter referred to as the second refund classification) both classifications.Server can be previously provided with audit ranking rule, should
Audit ranking rule is as follows: the ratio that the loan quantity on order of the first refund classification accounts for L is greater than the first preset ratio threshold value
When, it is determined that the audit grade of the audit object is P1；The ratio that the loan quantity on order of first refund classification accounts for L is greater than second
Preset ratio threshold value, and be not more than above-mentioned first preset ratio threshold value when, it is determined that the audit grade of the audit object be P2；Its
His situation, it is determined that the audit grade of the audit object is P3.Wherein, the audit grade highest of P1, P2 takes second place, P3 third.
Illustratively, it is assumed that the first preset ratio threshold value be 60%, it is assumed that L 10, server according to 10 provide a loan also
Money information is determined in 10 loan orders: refund classification is that the loan quantity on order normally refunded is 9, and refund classification is overdue
The loan quantity on order of refund is 1, and the ratio that can determine that the loan quantity on order normally refunded accounts for 10 is 90%, this 90%
Greater than the first preset ratio threshold value 60%, then it can determine that the audit grade of audit object is P1.
In one embodiment, which can be the risk etc. of the user according to audit subjects history audit
What grade determined.In the specific implementation, each in the available audit object of the server M user that history is audited within a preset time
The identity information of user, and according to the target risk label for including in the identity information of each user, determine the wind of each user
Dangerous grade, the M are the integer greater than 0.Further, server can count the user of each risk class in the preset time
Quantity, and the ratio of M is accounted for according to the number of users of each risk class, determine the audit grade of audit object, and generate and be used for
It indicates the audit class information of the audit grade, and then the audit class information is associated with the identification information of above-mentioned audit object
Storage.
104: each corresponding audit grade of audit object being determined based on above-mentioned audit class information, and from each
It is determined in audit grade and the matched target audit grade of default allocation rule.
105: loan Order splitting to the corresponding audit object of target audit grade is subjected to audit processing.
Wherein, above-mentioned default allocation rule can serve to indicate that loan Order splitting to the highest audit pair of audit grade
As, it can also be used to instruction will provide a loan Order splitting to the matched audit object of risk class of user corresponding with loan order, go back
It can serve to indicate that the amount of the loan matched audit object of the Order splitting extremely with loan order that will provide a loan.The application does not make this
It is specific to limit.
In one embodiment, server can obtain each in the database according to the identification information of each audit object
The corresponding audit class information of object is audited, and then determines the audit of each audit object according to the audit class information
Grade.Further, server can parse the default allocation rule, to determine from each audit grade and default distribution
The target of rule match audits grade, and loan Order splitting to the corresponding audit object of target audit grade is carried out at audit
Reason.
Wherein, in one embodiment, there are multiple for the corresponding audit object of above-mentioned target audit grade.Such case
Under, whether the current task amount that server can detecte any audit object in multiple audit objects is greater than any audit object
Corresponding preset task amount threshold value, if detecting, the current task amount of any audit object is less than the preset task amount threshold value,
The loan Order splitting to any audit object can be subjected to audit processing.Wherein, any audit in multiple audit objects
The corresponding preset task amount threshold value of object can be unified setting, i.e., each the default of audit object is appointed in multiple audit objects
Business amount threshold value；Multiple audit objects can also be determined in conjunction with the own situation or History Order processing capacity of each audit object
In it is each audit object preset task amount threshold value.For example, at by the History Order of statistics audit object A whithin a period of time
Manage data, however, it is determined that the order processing ability for going out audit object A is stronger, then can be default corresponding by audit object A
Business amount threshold value is arranged larger；If it is determined that the order processing ability of audit object A is weaker, then it can be by audit object A
Corresponding preset task amount threshold value is arranged smaller.
In the embodiment of the present application, server can receive the order information of loan order, include loan in the order information
Order corresponds to the identity information of user.If verifying obtains the identity information and matches with the identity information of pre-stored user,
The audit class information with each audit corresponding identification information associated storage of object is obtained, and based on audit class information
It determines each corresponding audit grade of audit object, and is determined and default allocation rule from each audit grade
The target audit grade matched, and then loan Order splitting to the corresponding audit object of target audit grade is subjected to audit processing.
It, can be by loan Order splitting to audit pair corresponding with the matched target audit grade of default allocation rule using the application
As being conducive to the treatment effeciency for improving loan order.
Referring to fig. 2, Fig. 2 is the process of another order allocation method based on data processing provided by the embodiments of the present application
Schematic diagram, this method can be executed by server, as shown, being somebody's turn to do the order allocation method based on data processing can include:
201: receiving the order information of loan order, include the identity letter that loan order corresponds to user in the order information
Breath.Wherein, which may include the identity of user, such as certificate identifier, name.
202: verifying whether the identity information matches with the identity information of pre-stored above-mentioned user.
Wherein, step 201~step 202 associated description may refer to above-described embodiment step 101~step 102 tool
Body implementation, details are not described herein again.
203: data after the loan of the nearest loan order of user distance system time are obtained according to the first default detection cycle,
Data include the refund information of above-mentioned nearest loan order after the loan.
204: refund classification belonging to nearest loan order is determined according to above-mentioned refund information, and according to preconfigured
The corresponding relationship of refund classification and risk class determines the corresponding first object wind of refund classification belonging to nearest loan order
Dangerous grade.
205: to identity information addition and the matched target risk label of first object risk class of above-mentioned user, and will
The identity information of addition target risk label is stored into database, in order to determine the user's according to target risk label
Risk class.
In one embodiment, the refund information of above-mentioned nearest loan order can serve to indicate that the nearest loan is ordered
Single refund situation, which may include normally refunding, being settled and overdue refund, wherein the overdue refund may be used also
To specifically include the overdue time limit.Wherein, the refund classification can be divided into normally refund, be settled, overdue time limit M6- (be less than etc.
In 180 days) and overdue time limit M6+ (being greater than 180 days).Wherein, risk class can be divided into 1 grade, 2 grades, 3 grades, in which: 1 grade
For highest risk class, 2 grades are taken second place, and 3 grades third, and the risk class of a user is higher, then the wind provided a loan to the user
Danger is also higher.
In one embodiment, developer can be pre-configured with the corresponding relationship of refund classification and risk class, this is right
Should be related to can be as shown in table 1-1.In this case, server detects that user is corresponding with 2 loans, the loan of two loans
Money number is respectively loan number 001 and loan number 002, this two loan generation times are on July 11st, 2018, another pen
The generation time of loan is on September 11st, 2017, and October 11 2018 system of distance time, nearest loan order was loan
This pen of number 001 is provided a loan, and further, data after the loan of the available loan number 001 of server parse data after the loan
The loan order of loan number 001 is obtained there are overdue, and overdue 80 days, then can determine that the loan of the loan number 001 is ordered
Refund classification belonging to list can determine this according to the preconfigured corresponding relationship as shown in table 1-1 for overdue time limit M6-
The corresponding first object risk class of the overdue time limit M6- of refund classification is 2 grades namely the risk class of client is 2 grades.Into one
Step ground, server can be to the identity information addition and 2 grades of risk class matched target risk labels that user opens, and will add
The identity information of target risk label is stored into database, in order to determine the risk of user according to the target risk label
Grade is 2 grades.
Table 1-1
| Refund classification | Risk class |
| It is normal to refund | 3 |
| It is settled | 3 |
| Overdue time limit M6- (being less than or equal to 180 days) | 2 |
| Overdue time limit M6+ (being greater than 180 days) | 1 |
206: obtaining the identity information of each user in the audit object M user that history is audited within a preset time, root
The target risk label for including in identity information according to each user, determines the risk class of each user, the M be greater than
0 integer.
207: counting the number of users of each risk class in above-mentioned preset time, and according to the user of each risk class
Quantity accounts for the ratio of M, determines the audit grade of audit object, generates the audit class information for being used to indicate the audit grade, and
By the identification information associated storage of the audit class information and audit object.
In one embodiment, audit ranking rule can be preset.Assuming that a certain audit object is default
In the M user that history is audited in time, the number of users that risk class is 3 grades is X, the number of users that risk class is 2 grades
Amount is Y, and it is M-X-Y that risk class, which is 1 grade, then above-mentioned audit ranking rule can be as shown in table 1-2.From table
It may include P1, P2, P3 that 1-2, which can be seen that audit grade, wherein the audit grade highest of P1, P2 takes second place, P3 third, when
For the audit object within a preset time in M user of history audit, the ratio that 3 grades of risk class of number of users X accounts for M is big
In the one 3 grade of threshold value (such as 50%) alternatively, the ratio that 2 grades of risk class of number of users Y accounts for M is greater than the one 2 grade of threshold value (such as
80%) again alternatively, 1 grade of risk class of number of users M-X-Y account for less than the one 1 grade threshold value (such as 10%) of ratio of M can be with
The audit grade for determining the audit object is P1.
In the audit object within a preset time M user of history audit, 3 grades of risk class of number of users X
The ratio for accounting for M is greater than the 2nd 3 grade of threshold value (such as 40%) alternatively, 2 grades of risk class of number of users Y accounts for the ratio of M greater than the 2nd 2
Grade threshold value (such as 70%) is again alternatively, 1 grade of risk class of number of users M-X-Y accounts for less than the 2nd 1 grade threshold value of ratio of M (such as
20%) the audit grade that can determine the audit object is P2.Further, when detecting audit object when default
In M user of interior history audit, above-mentioned audit grade P1 is not satisfied in the ratio that the number of users of each risk class accounts for M
The case where with audit grade P2, can then determine that the audit grade of the audit object is P3.
Table 1-2
It, can be with other than the audit grade of above-mentioned P1, P2 and P3 it is understood that according to different design requirements
Including other more or less audit grades, and the evaluation criteria of each audit grade such as sub-rule 01, sub-rule 02, son
Rule 03 is adjustable, which includes to threshold values such as above-mentioned one 3 grade of threshold value, the one 2 grade of threshold value, the one 1 grade of threshold values
Adjustment.
208: if verifying obtains above-mentioned identity information and matches with the identity information of the pre-stored user, obtaining and each
The above-mentioned audit class information of a audit corresponding identification information associated storage of object.
209: each corresponding audit grade of audit object being determined based on above-mentioned audit class information, and from each
It determines to audit grade with the matched target of default allocation rule in audit grade, and then loan Order splitting to target is audited
The corresponding audit object of grade carries out audit processing.
Wherein, step 208~step 209 specific implementation may refer to step 103 in above-described embodiment~step
105 associated description, details are not described herein again.
In one embodiment, when server will provide a loan Order splitting to the target corresponding audit object of audit grade into
Row audit processing when, the risk class that the loan order can also be corresponded to user is sent to the audit object, so as to audit
Object determines that the loan order corresponds to the risk class of client, and the examination & approval of the loan order can also be determined according to the risk class
The amount of money.
In the embodiment of the present application, server can receive the order information of loan order, include loan in the order information
Order corresponds to the identity information of user.Further, server can obtain user distance system according to the first default detection cycle
Data after the loan of time nearest loan order of uniting, data include the refund information of above-mentioned nearest loan order, root after the loan
Refund classification belonging to nearest loan order is determined according to above-mentioned refund information, and according to preconfigured refund classification and risk
The corresponding relationship of grade determines the corresponding first object risk class of refund classification belonging to nearest loan order, to above-mentioned
Identity information addition and the matched target risk label of first object risk class of user, and target risk label will be added
Identity information is stored into database.Further, the available audit object M that history is audited within a preset time of server
The identity information of each user in a user, according to the target risk label for including in the identity information of each user, really
The risk class of fixed each user, counts the number of users of each risk class in above-mentioned preset time, and according to each risk
The number of users of grade accounts for the ratio of M, determines the audit grade of audit object, generates the audit etc. for being used to indicate the audit grade
Grade information, and by the audit class information and audit object identification information associated storage.Further, if server is verified
It matches, then obtains corresponding with each audit object with the identity information of the pre-stored user to above-mentioned identity information
The above-mentioned audit class information of identification information associated storage, and determine that each audit object is each based on above-mentioned audit class information
Self-corresponding audit grade, and determine to audit grade with the matched target of default allocation rule from each audit grade, into
And loan Order splitting to the corresponding audit object of target audit grade is subjected to audit processing.Using the application, can will borrow
Money Order splitting is conducive to improve loan order to audit object corresponding with the matched target audit grade of default allocation rule
Treatment effeciency.
It is the process of another order allocation method based on data processing provided by the embodiments of the present application referring to Fig. 3, Fig. 3
Schematic diagram, this method can be executed by server, as shown, being somebody's turn to do the order allocation method based on data processing can include:
301: receiving the order information of loan order, include the identity letter that loan order corresponds to user in the order information
Breath.Wherein, which may include the identity of user, such as certificate identifier, name.
302: verifying whether the identity information matches with the identity information of pre-stored above-mentioned user.
Wherein, step 301~step 302 associated description may refer to above-described embodiment step 101~step 102 tool
Body implementation, details are not described herein again.
303: data after the loan of the N pen loan order of user, data packet after the loan are obtained according to the second default detection cycle
User is included for the refund information of every loan order in N loan orders, which is the integer greater than 0.
304: based on default risk algorithm and user for the refund information of every loan order, determining that the risk of user refers to
Number, and from the corresponding relationship of preconfigured risk index and risk class, determine that the risk index of the user is corresponding
Second target risk grade.
305: to the target risk label of the identity information addition and the second target risk ratings match of user, and will add
The identity information of target risk label is stored into database, in order to determine the risk etc. of user according to target risk label
Grade.
Wherein, above-mentioned default risk algorithm can be shown below:
Wherein, p is the risk index of user, and N is the quantity of the corresponding loan order of user, and Z is in normal refunds or
The quantity for the loan order closed, O be the overdue time limit be M6- (be less than or equal to 180 days) loan order quantity, N-Z-O is
The quantity of the loan order of overdue time limit M6+ (being greater than 180 days), Respectively pre-set weighted index,
Wherein, the corresponding relationship of above-mentioned preconfigured risk index and risk class, can be as shown in table 3-1.
Table 3-1
| Risk index | Risk class |
| Greater than 0.4 | 1 grade |
| 0.4~0.25 | 2 grades |
| Less than 0.25 | 3 grades |
In one embodiment, the N pen loan that server can obtain any user according to the second default detection cycle is ordered
Data after single loan, data include the refund information of every order of providing a loan in N loan order after the loan.Server can root
According to the above-mentioned refund information of the N order of providing a loan, the loan order in normally refunding in N loan orders or being settled is determined
Quantity Z, the quantity O for the loan order that the overdue time limit is M6- (be less than or equal to 180 days), the overdue time limit is that M6+ (is greater than 180
It) loan order quantity N-Z-O, and then it is the above-mentioned default risk algorithm of quantity Z, quantity O and quantity N-Z-O input is corresponding
Model, then the risk index of the available any user.It is possible to further according to corresponding relationship as shown in table 1-3,
It determines the corresponding second target risk grade of the risk index of any user, namely determines the risk etc. of any user
Grade is the second target risk grade, and then to the addition of the identity information of any user and the second target risk ratings match
Target risk label, and the identity information for adding target risk label is stored into database, in order to according to target risk
Label determines that the risk class of any user is the second target risk grade.
Illustratively, in above-mentioned default risk algorithmRespectively 0.1,0.3,0.6, N 10, service
Device can be determined in 10 loan orders of user just according to the above-mentioned refund information of the corresponding 10 loans order of user
In often refunding or the quantity Z=5 of loan order that is settled, the loan order that the overdue time limit is M6- (be less than or equal to 180 days)
Quantity O=4, overdue time limit are the quantity N-Z-O=1 of the loan order of M6+ (being greater than 180 days).In this case, server can
To determine that the risk index of user, then can be according to the corresponding relationship of table 3-1 for 0.23 according to above-mentioned default risk algorithm
Determine that the corresponding risk class of risk index 0.23 (i.e. the second target risk grade) is 3 grades.
306: obtaining the identity information of each user in the audit object M user that history is audited within a preset time, root
The target risk label for including in identity information according to each user, determines the risk class of each user, the M be greater than
0 integer.
307: counting the number of users of each risk class in above-mentioned preset time, and according to the user of each risk class
Quantity accounts for the ratio of M, determines the audit grade of audit object, generates the audit class information for being used to indicate the audit grade, and
By the identification information associated storage of the audit class information and audit object.
Wherein, step 306~step 307 specific embodiment may refer to step 206 in above-described embodiment~step
207 associated description, details are not described herein again.
308: if verifying obtains above-mentioned identity information and matches with the identity information of the pre-stored user, obtaining and each
The above-mentioned audit class information of a audit corresponding identification information associated storage of object.
309: each corresponding audit grade of audit object being determined based on above-mentioned audit class information, and from each
It determines to audit grade with the matched target of default allocation rule in audit grade, and then loan Order splitting to target is audited
The corresponding audit object of grade carries out audit processing.
Wherein, above-mentioned default allocation rule can serve to indicate that loan Order splitting to the highest audit pair of audit grade
As, it can also be used to instruction will provide a loan Order splitting to the matched audit object of risk class of user corresponding with loan order, go back
It can serve to indicate that the amount of the loan matched audit object of the Order splitting extremely with loan order that will provide a loan.The application does not make this
It is specific to limit.
In one embodiment, above-mentioned default allocation rule can serve to indicate that loan Order splitting to audit grade most
High audit object, server are based on above-mentioned audit class information and determine each corresponding audit grade of audit object
Afterwards, it can determine that highest audits grade from each audit grade, and detect the corresponding audit object of highest audit grade
Task amount whether be less than preset task amount threshold value, if detect task amount be less than preset task amount threshold value, highest is audited
Grade is determined as auditing grade with the matched target of default allocation rule, and then loan Order splitting to highest is audited grade pair
The audit object answered carries out audit processing.
Alternatively, if detecting, the task amount of the corresponding audit object of highest audit grade is more than or equal to preset task amount threshold
Value, then can detecte whether time task amount of the high corresponding audit object of audit grade (hereinafter referred to as secondary high audit object) is less than this
Secondary height audits the corresponding task amount threshold value of object, if so, the loan Order splitting to secondary high audit object is carried out at audit
Reason.If it is not, then continuing to test time task amount of time high corresponding audit object of audit grade (hereinafter referred to as secondary high audit object)
Whether this time time high audit object corresponding task amount threshold value is less than, and so on, until the Order splitting that will provide a loan is to corresponding
Audit object carries out audit processing, then terminates.
In one embodiment, above-mentioned default allocation rule can serve to indicate that will loan Order splitting to loan order
The matched audit object of risk class of corresponding user.Server is based on above-mentioned audit class information and determines each audit object
After corresponding audit grade, the target risk label that can include according to identity information in order information determines that loan is ordered
Single pair applies the risk class at family, according to risk matching rule is preset, determines and risk class from each audit grade
The audit grade matched, and will be determined as examining with the matched target of default allocation rule with the matched audit grade of the risk class
Core grade, and then loan Order splitting to the corresponding audit object of target audit grade is subjected to audit processing.
Wherein, above-mentioned default risk matching rule can be with are as follows: it is higher ranked that the higher client of risk class matches audit
Object is audited, junior audit object is audited in the lower client of risk class point matching.Illustratively, risk class includes
1 grade, 2 grades and 3 grades, wherein light breeze danger grade highest, 2 grades are taken second place, and 3 grades third；Audit grade includes P1, P2 and P3,
Middle P1 audits grade highest, and P2 audit grade is taken second place, third P3 audits grade.So, which can be with
Are as follows: the user that risk class is 1 grade matches the audit object that audit grade is P1, the user that risk class is 2 grades matches audit
Audit object that grade is P2 and, user that risk class is 3 grades matches the audit object that audit grade is P3.Such case
Under, it is assumed that the risk class that server determines that loan order corresponds to user is 1 grade, then presetting risk matching rule according to this
Then, then audit grade P1 can be determined as auditing grade with 1 grade of the risk class matched target, and then will loan order point
It is assigned to the corresponding audit object of audit grade P1 and carries out audit processing.It, then can be by risk class using this allocation rule
High user distributes to the high audit object of audit grade, and the low user of risk class is distributed to the low audit pair of audit grade
As to advantageously reduce the audit risk of loan order while loan on guarantee order review efficiency.
It in one embodiment, further include the amount of the loan of loan order in the above order information, the default allocation rule
Can serve to indicate that by the loan Order splitting to the matched audit object of the amount of the loan.Server is based on above-mentioned examine
After core class information determines each corresponding audit grade of audit object, can according to the pre-set amount of the loan with
The corresponding relationship for auditing grade determines the corresponding audit grade of the amount of the loan for order of providing a loan from each audit grade
To audit grade with the matched target of default allocation rule, and then loan Order splitting to highest is audited into the corresponding audit of grade
Object carries out audit processing.
Wherein, the corresponding relationship of the pre-set amount of the loan and audit grade can be as shown in table 3-2, the audit etc.
Grade P1 is higher than P2, and P2 is higher than P3.In this case, it is assumed that server determines the loan according to the order information of loan order
The amount of the loan of order is 2,000,000, it is possible to be determined and the amount of the loan according to the corresponding relationship as shown in table 3-2
2000000 corresponding audit grades are P1, namely auditing grade with the matched target of default allocation rule is P1, further, clothes
The loan Order splitting to the audit object that target audit grade is P1 can be carried out audit processing by business device.
Table 3-2
| The amount of the loan | Audit grade |
| Greater than 1,000,000 | P1 |
| 500000-100 ten thousand | P2 |
| Less than 500,000 | P3 |
The embodiment of the present application also provides a kind of Order splitting device based on data processing.The device includes for executing
The unit of method described in earlier figures 1, Fig. 2 or Fig. 3.It specifically, referring to fig. 4, is provided by the embodiments of the present application based on number
According to the schematic block diagram of the Order splitting device of processing.The Order splitting device based on data processing of the present embodiment includes:
Receiving unit 40 includes the loan order in the order information for receiving the order information of loan order
The identity information of corresponding user；
Processing unit 41, for verify the identity information whether the identity information with the pre-stored user
Match；
The processing unit 41 obtains the identity of the identity information Yu the pre-stored user if being also used to verify
Information matches then obtain the audit class information with each audit corresponding identification information associated storage of object, described to examine
Core class information is data or the audit subjects history after the loan according to the loan order of the audit subjects history audit
What the risk class of the user of audit determined, data include the refund information of the loan order of the history audit after the loan；
The processing unit 41 is also used to determine that each audit object is respectively right based on the audit class information
The audit grade answered, and determined and the matched target audit grade of default allocation rule from each audit grade；
Allocation unit 42, for carrying out the loan Order splitting to the corresponding audit object of target audit grade
Audit processing.
In one embodiment, the processing unit 41 is also used to obtain user distance according to the first default detection cycle
Data after the loan of the nearest loan order of system time, data include the refund letter of the nearest loan order after the loan
Breath；According to the refund information determine the nearest loan order belonging to refund classification；According to preconfigured refund class
Not with the corresponding relationship of risk class, the corresponding first object risk of refund classification belonging to the nearest loan order is determined
Grade；Identity information addition and the matched target risk label of the first object risk class to the user, and will add
The identity information of the target risk label is added to store into database, in order to be determined according to the target risk label
The risk class of the user.
In one embodiment, the processing unit 41 is also used to obtain the N pen of user according to the second default detection cycle
Data after the loan of order of providing a loan, data include the user for every loan order in the N loan order after the loan
Refund information, the N is integer greater than 0；The institute of every loan order is directed to based on default risk algorithm and the user
Refund information is stated, determines the risk index of the user；From in the corresponding relationship of preconfigured risk index and risk class,
Determine the corresponding second target risk grade of the risk index of the user；To the addition of the identity information of the user with it is described
The target risk label of second target risk ratings match, and the identity information for adding the target risk label is stored
Into database, in order to determine the risk class of the user according to the target risk label.
In one embodiment, the processing unit 41, being also used to obtain audit object, history is audited within a preset time
M user in each user identity information, the M is integer greater than 0；According in the identity information of each user
Including the target risk label, determine the risk class of each user；Count each risk in the preset time
The number of users of grade, and the ratio of the M is accounted for according to the number of users of each risk class, determine examining for the audit object
Core grade；The audit class information for being used to indicate the audit grade is generated, and by the audit class information and the audit
The identification information associated storage of object.
In one embodiment, the processing unit 41, being also used to obtain audit object, history is audited within a preset time
L pen loan order loan after data, data include that the refund of every loan order in the L loan order is believed after the loan
Breath, the L are the integer greater than 0；Belonging to every loan order in the L loan order is determined according to the refund information
Refund classification；The loan quantity on order of each refund classification in the preset time is counted, and according to each refund classification
Loan quantity on order account for the ratio of the L, determine the audit grade of the audit object；Generation is used to indicate described audit etc.
The audit class information of grade, and class information and the identification information associated storage for auditing object are audited by described.
In one embodiment, the default allocation rule is used to indicate the loan Order splitting to audit grade most
High audit object, the processing unit 41, specifically for determining that highest audits grade from each audit grade, and
Whether the task amount for detecting the corresponding audit object of highest audit grade is less than preset task amount threshold value；If detecting described appoint
Business amount is less than the preset task amount threshold value, then is determined as highest audit grade matched with the default allocation rule
Target audits grade.
In one embodiment, the default allocation rule be used to indicate by the loan Order splitting to the loan
Order corresponds to the matched audit object of the risk class of user, and the processing unit 41 is specifically used for according to the order
The target risk label that identity information described in information includes determines that the loan order corresponds to the risk class of user；
According to risk matching rule is preset, determined from each audit grade and the matched audit grade of the risk class；
Will be described with the matched audit grade of the risk class, be determined as with the default matched target audit of allocation rule etc.
Grade.
It should be noted that each function list of the Order splitting device based on data processing described in the embodiment of the present application
The function of member can be implemented according to the method in the embodiment of the method described in Fig. 1, Fig. 2 or Fig. 3, and specific implementation process can
With referring to Fig.1, the associated description of the embodiment of the method for Fig. 2 or Fig. 3, details are not described herein again.
Fig. 5 is referred to, Fig. 5 is a kind of schematic block diagram of server provided by the embodiments of the present application, as shown in figure 5, should
Server includes processor 501, memory 502 and network interface 503.Above-mentioned processor 501, memory 502 and network interface
503 can be connected by bus or other modes, in Fig. 5 shown in the embodiment of the present application for being connected by bus.Wherein, net
Network interface 503 is used for messaging by the control of the processor 501, and memory 502 is for storing computer program, the meter
Calculation machine program includes program instruction, and processor 501 is used to execute the program instruction of the storage of memory 502.Wherein, processor 501
It is configured for calling described program instruction execution: receiving the order information of loan order, include described in the order information
Loan order corresponds to the identity information of user；Verify the identity information whether the identity information with the pre-stored user
Matching；If verifying obtains the identity information and matches with the identity information of the pre-stored user, obtains and examined with each
The audit class information as corresponding identification information associated storage is checked, the audit class information is according to the audit
The risk class of the user of data or the audit subjects history audit determines after the loan of the loan order of subjects history audit
, data include the refund information of the loan order of the history audit after the loan；It is determined based on the audit class information
Each corresponding audit grade of audit object out, and determined and default distribution rule from each audit grade
Then matched target audits grade；The loan Order splitting to the corresponding audit object of target audit grade is examined
Core processing.
It should be appreciated that in the embodiment of the present application, alleged processor 501 can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
Reason device is also possible to any conventional processor etc..
The memory 502 may include read-only memory and random access memory, and to processor 501 provide instruction and
Data.The a part of of memory 502 can also include nonvolatile RAM.For example, memory 502 can also be deposited
Store up the information of device type.
In the specific implementation, processor 501, memory 502 described in the embodiment of the present application and network interface 503 can be held
Implementation described in embodiment of the method described in row Fig. 1, Fig. 2 or Fig. 3 provided by the embodiments of the present application, also can be performed this
Apply for the implementation of the Order splitting device based on data processing described in embodiment, details are not described herein.
A kind of computer readable storage medium, the computer-readable storage medium are provided in another embodiment of the application
Matter is stored with computer program, and the computer program includes program instruction, and described program instructs realization when being executed by processor:
The order information of loan order is received, includes the identity information that the loan order corresponds to user in the order information；Verifying
Whether the identity information matches with the identity information of the pre-stored user；If verifying obtains the identity information and pre-
The identity information of the user first stored matches, then obtains and each corresponding identification information associated storage of audit object
Audit class information, it is described audit class information be according to it is described audit subjects history audit loan order loan after data
Or the risk class determination of the user of the audit subjects history audit, data include what the history was audited after the loan
The refund information of loan order；Corresponding audit of each audit object etc. is determined based on the audit class information
Grade, and determined and the matched target audit grade of default allocation rule from each audit grade；The loan is ordered
Single distribution to the corresponding audit object of target audit grade carries out audit processing.
The computer readable storage medium can be the internal storage unit of server described in aforementioned any embodiment,
Such as the hard disk or memory of server.The external storage that the computer readable storage medium is also possible to the server is set
Plug-in type hard disk that is standby, such as being equipped on the server, intelligent memory card (Smart Media Card, SMC), secure digital
(Secure Digital, SD) card, flash card (Flash Card) etc..Further, the computer readable storage medium is also
Can both including the server internal storage unit and also including External memory equipment.The computer readable storage medium is used
Other programs and data needed for storing the computer program and the server.The computer readable storage medium
It can be also used for temporarily storing the data that has exported or will export.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the program can be stored in a computer-readable storage medium
In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic
Dish, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access
Memory, RAM) etc..
Above disclosed is only the section Example of the application, cannot limit the right of the application with this certainly
Range, those skilled in the art can understand all or part of the processes for realizing the above embodiment, and according to the application right
Equivalent variations made by it is required that still falls within and applies for covered range.
Claims (10)
1. a kind of order allocation method based on data processing, which is characterized in that the described method includes:
The order information of loan order is received, includes the identity information that the loan order corresponds to user in the order information；
Verify whether the identity information matches with the identity information of the pre-stored user；
If verifying obtains the identity information and matches with the identity information of the pre-stored user, obtain and each audit
The audit class information of the corresponding identification information associated storage of object, the audit class information are according to the audit pair
As history audit loan order loan after data or it is described audit subjects history audit user risk class determine,
Data include the refund information of the loan order of the history audit after the loan；
Each corresponding audit grade of audit object is determined based on the audit class information, and from each described
It is determined in audit grade and the matched target audit grade of default allocation rule；
The loan Order splitting to the corresponding audit object of target audit grade is subjected to audit processing.
2. the method according to claim 1, wherein the method also includes:
Data after the loan of the nearest loan order of user distance system time are obtained according to the first default detection cycle, after the loan
Data include the refund information of the nearest loan order；
According to the refund information determine the nearest loan order belonging to refund classification；
According to the corresponding relationship of preconfigured refund classification and risk class, determine belonging to the nearest loan order also
The corresponding first object risk class of money classification；
Identity information addition and the matched target risk label of the first object risk class to the user, and will add
The identity information of the target risk label is stored into database, in order to determine institute according to the target risk label
State the risk class of user.
3. the method according to claim 1, wherein the method also includes:
According to data after the loan of the N pen loan order of the second default detection cycle acquisition user, data include described after the loan
For user for the refund information of every loan order in described N loan order, the N is the integer greater than 0；
Based on default risk algorithm and the user for the refund information of every loan order, the wind of the user is determined
Dangerous index；
From in the corresponding relationship of preconfigured risk index and risk class, determine that the risk index of the user is corresponding
Second target risk grade；
To the target risk label of the identity information addition and the second target risk ratings match of the user, and will add
The identity information of the target risk label is stored into database, in order to determine institute according to the target risk label
State the risk class of user.
4. according to the method in claim 2 or 3, which is characterized in that described to add described in the target risk label
After identity information is stored into database, the method also includes:
Obtain audit object within a preset time history audit M user in each user identity information, the M for greater than
0 integer；
According to the target risk label for including in the identity information of each user, the risk etc. of each user is determined
Grade；
The number of users of each risk class in the preset time is counted, and according to the number of users of each risk class
The ratio for accounting for the M determines the audit grade of the audit object；
The audit class information for being used to indicate the audit grade is generated, and by the audit class information and the audit object
Identification information associated storage.
5. the method according to claim 1, wherein the method also includes:
Obtain the history audit within a preset time of audit object L pen provide a loan order loan after data, data include after the loan
The refund information of every loan order, the L are the integer greater than 0 in the L loan order；
According to the refund information determine every loan order in the L loan order belonging to refund classification；
The loan quantity on order of each refund classification in the preset time is counted, and according to the loan of each refund classification
Quantity on order accounts for the ratio of the L, determines the audit grade of the audit object；
The audit class information for being used to indicate the audit grade is generated, and by the audit class information and the audit object
Identification information associated storage.
6. the loan is ordered the method according to claim 1, wherein the default allocation rule is used to indicate
Single distribution is described to determine and default allocation rule from each audit grade to the audit highest audit object of grade
The target audit grade matched, comprising:
It determines that highest audits grade from each audit grade, and detects the corresponding audit object of highest audit grade
Task amount whether be less than preset task amount threshold value；
If detect the task amount be less than the preset task amount threshold value, by the highest audit grade be determined as with it is described
The default matched target of allocation rule audits grade.
7. according to the method in claim 2 or 3, which is characterized in that the default allocation rule is used to indicate the loan
The matched audit object of the risk class of money Order splitting user extremely corresponding with the loan order, it is described from each described
It is determined in audit grade and the matched target audit grade of default allocation rule, comprising:
According to the target risk label that identity information described in the order information includes, determine that the loan order is corresponding
The risk class of user；
According to preset risk matching rule, determined from each audit grade with the risk class it is matched audit etc.
Grade；
By the described and matched audit grade of the risk class, it is determined as and the matched target of default allocation rule is audited
Grade.
8. a kind of Order splitting device based on data processing, which is characterized in that described device includes:
Receiving unit includes the loan order in the order information to application for receiving the order information of loan order
The identity information at family；
Processing unit, for verifying whether the identity information matches with the identity information of the pre-stored user；
The processing unit obtains the identity information of the identity information Yu the pre-stored user if being also used to verify
Match, then obtains the audit class information with each audit corresponding identification information associated storage of object, the audit grade
Information is audited according to data or the audit subjects history after the loan for auditing the loan order that subjects history is audited
What the risk class of user determined, data include the refund information of the loan order of the history audit after the loan；
The processing unit is also used to be determined that each audit object is corresponding based on the audit class information and examined
Core grade, and determined and the matched target audit grade of default allocation rule from each audit grade；
Allocation unit, for carrying out the loan Order splitting to target audit grade corresponding audit object at audit
Reason.
9. a kind of server, which is characterized in that including processor and memory, the processor is mutually interconnected with the memory
It connects, wherein the memory is for storing computer program, and the computer program includes program instruction, the processor quilt
It is configured to call described program instruction, executes the method according to claim 1 to 7.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has computer journey
Sequence, the computer program include program instruction, and described program instruction executes the processor such as
The described in any item methods of claim 1-7.
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