CN110363394B - Wind control service method and device based on cloud platform and electronic equipment - Google Patents
Wind control service method and device based on cloud platform and electronic equipment Download PDFInfo
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Abstract
The invention provides a wind control service method, a wind control service device and electronic equipment based on a cloud platform, wherein the method comprises the following steps: providing a standard interface for wind control parameter configuration, and receiving setting information of the wind control parameters; receiving data needing wind control service; according to the wind control parameter setting information, performing wind control calculation based on a cloud computing platform on the data received from the wind control data access interface and obtaining a wind control calculation result; and outputting the wind control calculation result. The method comprises the steps that a standard interface for providing wind control parameter configuration is used for receiving setting information of wind control parameters and receiving data needing wind control service, wind control calculation based on a cloud computing platform is carried out on the data received from a wind control data access interface according to the wind control parameter setting information, wind control calculation results are obtained, and when the data of the wind control service are determined to be abnormal, risk control operation is automatically executed.
Description
Technical Field
The invention relates to the field of financial credit service, in particular to a wind control service method and device based on a cloud platform.
Background
Risk control, wind control for short, means that a risk manager takes various methods and measures to eliminate or reduce the possibility of occurrence of risk events, so as to achieve the purpose of reducing the loss caused by the occurrence of the risk events. The primary step in risk control is to assess the likelihood of a risk event occurring.
In the prior art, although many small and medium-sized banks and medium-sized downstream companies have their own clients, no good wind control model is used for evaluation.
In addition, in the prior art, even if a plurality of small and medium-sized banks and medium-sized downstream companies make wind control models independently, the foundation of big data does not exist, and the customer scale and the data scale of the small and medium-sized banks and the medium-sized downstream companies cannot reach the ground of big data analysis or modeling. Therefore, a fair and real-time updated wind control platform of an external third party is needed for risk control.
Disclosure of Invention
In view of the above problems, the present invention is proposed to provide a cloud platform based wind control service method, apparatus and electronic device that overcome or at least partially solve the above problems.
The invention provides a wind control service method based on a cloud platform, which comprises the following steps:
providing a standard interface for wind control parameter configuration, and receiving setting information of the wind control parameters;
receiving data needing wind control service;
according to the wind control parameter setting information, wind control calculation based on a cloud computing platform is carried out on the data received from the wind control data access interface, and a wind control calculation result is obtained;
and outputting the wind control calculation result.
Optionally, the cloud computing platform comprises a plurality of wind control models, each wind control model having a configurable plurality of model parameters.
Optionally, the cloud computing platform selects a wind control model and/or configures model parameters according to the received wind control parameter setting information.
Optionally, the cloud computing platform is preset with a corresponding relationship between the wind control parameter setting information and the model and/or the model parameters.
Optionally, the setting information of the wind control parameter includes at least one of: applying for loan passing rate, loan amount dynamic rate and loan amount range.
Optionally, the data that needs to be windward controlled includes the user attribute information.
Optionally, the user attribute information includes information that can uniquely determine the identity of the user.
Optionally, the cloud computing platform based wind-controlled computing comprises pre-credit assessment and/or in-credit risk assessment.
Optionally, the cloud computing platform performs pre-credit evaluation on the user during credit granting; and when the credit granting user applies for paying, the cloud computing platform carries out credit evaluation before credit again.
Optionally, the credit-risk assessment includes an amount assessment and/or a pricing assessment.
The second aspect of the present invention provides a wind control service device based on a cloud platform, including:
the system comprises a providing module, a control module and a control module, wherein the providing module is used for providing a standard interface for wind control parameter configuration and receiving setting information of wind control parameters;
the receiving module is used for receiving data needing wind control service;
the computing module is used for carrying out wind control computing based on a cloud computing platform on the data received from the wind control data access interface according to the wind control parameter setting information and obtaining a wind control computing result;
and the output module is used for outputting the wind control calculation result.
Optionally, the cloud computing platform comprises a plurality of wind control models, each wind control model having a configurable plurality of model parameters.
Optionally, the cloud computing platform selects a wind control model and/or configures model parameters according to the received wind control parameter setting information.
Optionally, the cloud computing platform is preset with a corresponding relationship between the wind control parameter setting information and the model and/or the model parameters.
Optionally, the setting information of the wind control parameter includes at least one of: applying for loan passing rate, loan amount dynamic rate and loan amount range.
Optionally, the data requiring the wind control service includes the user attribute information.
Optionally, the user attribute information includes information that can uniquely determine the identity of the user.
Optionally, the cloud computing platform based wind-controlled computing comprises pre-credit assessment and/or in-credit risk assessment.
Optionally, the cloud computing platform performs pre-credit evaluation on the user during credit granting; and when the credit granting user applies for paying, the cloud computing platform carries out credit evaluation before credit again.
Optionally, the in-credit risk assessment includes an amount assessment and/or a pricing assessment.
A third aspect of the present invention provides an electronic device, comprising:
a processor; and the number of the first and second groups,
a memory storing computer-executable instructions that, when executed, cause the processor to perform the cloud platform-based wind control service method.
A fourth aspect of the present invention is directed to a computer-readable storage medium storing one or more programs which, when executed by a processor, implement the cloud platform-based wind control service method.
The invention provides a wind control service method based on a cloud platform, which is characterized in that a standard interface configured by wind control parameters is provided for receiving setting information of the wind control parameters and data needing wind control service, and according to the setting information of the wind control parameters, wind control calculation based on the cloud computing platform is carried out on the data received from a wind control data access interface, wind control calculation results are obtained, and when the data of the wind control service are determined to be abnormal, risk control operation is automatically executed.
The above description is only an overview of the technical solutions of the present invention, and the present invention can be implemented in accordance with the content of the description so as to make the technical means of the present invention more clearly understood, and the above and other objects, features, and advantages of the present invention will be more clearly understood.
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In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects obtained more clear, the following will describe in detail the embodiments of the present invention with reference to the accompanying drawings. It should be noted, however, that the drawings described below are only illustrations of exemplary embodiments of the invention, from which other embodiments can be derived by those skilled in the art without inventive faculty.
Fig. 1 is a schematic flow chart of a wind control service method based on a cloud platform provided by the invention;
FIG. 2 is a schematic diagram of a cloud platform-based wind control service device architecture provided by the present invention;
FIG. 3 is a schematic block diagram of an electronic device according to one embodiment of the invention;
fig. 4 is a schematic structural diagram of a computer-readable storage medium according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. The exemplary embodiments, however, may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. The same reference numerals denote the same or similar elements, components, or parts in the drawings, and thus their repetitive description will be omitted.
Features, structures, characteristics or other details described in a particular embodiment do not preclude the fact that the features, structures, characteristics or other details may be combined in a suitable manner in one or more other embodiments in accordance with the technical idea of the invention.
In describing particular embodiments, the present invention has been described with reference to features, structures, characteristics or other details that are within the purview of one skilled in the art to provide a thorough understanding of the embodiments. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific features, structures, characteristics, or other details.
The flowcharts shown in the figures are illustrative only and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
It will be understood that, although the terms first, second, third, etc. may be used herein to describe various elements, components, or sections, these terms should not be construed as limiting. These phrases are used to distinguish one from another. For example, a first device may also be referred to as a second device without departing from the spirit of the present invention.
The term "and/or" and/or "includes any and all combinations of one or more of the associated listed items.
Fig. 1 is a schematic flow chart of a wind control service method based on a cloud platform provided by the invention. As shown in fig. 1, the method of the present invention has the following steps:
s1, providing a standard interface for configuring the wind control parameters, and receiving setting information of the wind control parameters.
It should be noted that the cloud computing platform may allow a user to access a dynamically configurable shared computing resource pool, which includes network devices, servers, storage devices, applications, and services, via a ubiquitous, convenient, on-demand network. The cloud computing platform can realize the rapid distribution and release of the configurable computing resources with lower management cost or lower interaction complexity between the user and the service provider.
After the user migrates the data to the cloud computing platform, ownership and control right of the data are separated, the user is the owner of the data, but the control right of the data is given to a provider of the cloud computing platform, and all resource operations such as computing, storage and the like related to the data are called wind control service based on the cloud computing platform in a mode that the user completes the operations through the cloud computing platform.
The cloud computing platform may include a plurality of wind control models, each having a configurable plurality of model parameters. For example, the wind control model can be implemented based on QLExpress, and is expanded as necessary in combination with the requirements of the system itself. However, in the existing open source rule engine, the rule configuration is complex and inflexible, and the rule is executed after all index variables are prepared in advance when the rule is executed. The credit system has a plurality of products and a plurality of products have great differences, the models to be supported can comprise an approval rule model, a scoring model, a pre-credit model, a high-risk model and the like, the configuration requirements on the models are flexible, the dependency on data is strong, and a plurality of data sources of the credit system are acquired from the outside.
The setting information of the wind control parameters may generally include at least one of: applying for loan passing rate, loan amount dynamic rate and loan amount range. The loan application passing rate, the loan amount dynamic-supporting rate and the loan amount range can be obtained by calculation according to the historical financial data of the user.
The cloud computing platform may select a wind control model and/or configure model parameters according to the received wind control parameter setting information. For example, when the received wind control parameter setting information includes at least one of: and when applying for loan passing rate, loan amount dynamic support rate and loan amount range, the cloud computing platform can select a high-risk model and/or configure model parameters.
The cloud computing platform is preferably preset with a corresponding relation between the wind control parameter setting information and the model and/or the model parameters.
The wind control model establishment can comprise the following steps: collecting historical financial data samples, wherein the historical financial data samples comprise transaction information and corresponding transaction type labels; establishing a wind control model according to each transaction information and corresponding transaction type label in the historical financial data sample based on a preset rule; and predicting the transaction type of the target financial data according to the wind control model, and performing risk control on the target financial data according to a prediction result.
Therefore, the wind control service method based on the cloud platform provides standardized and personalized interface configuration and meets the wind control requirements of medium and small banks, consumption financial companies and medium and downstream mutual fund companies.
And S2, receiving data needing wind control service.
And the data of the wind control service is used for reflecting the personal basic information of the user.
Typically, the data requiring a wind control service includes the user attribute information. The user attribute information includes information that enables unique determination of the user identity.
And after receiving the data needing to be subjected to the wind control service, the method also comprises the step of acquiring the historical credit investigation information of the user according to the attribute information of the user.
The step of obtaining the historical credit information of the user according to the user attribute information comprises the step of determining credit granting scores according to the user attribute information, wherein the credit granting scores are used for determining credit granting permission or credit limit of the user.
In a preferred embodiment, the user attribute information is information about the user that is inconvenient to obtain for various reasons, for example because of protection of personal privacy, or for compliance with legal regulations, or for some technical reason. We refer herein to user attribute Information as Indirect Usable Information (IUI). For example, the user attribute information includes at least one of the following data: identification card number, mobile phone number and bank card number.
Preferably, the IUI is processed in an Implanted Modeling (IM) manner, so as to obtain the credit score of the user information which is inconvenient to obtain. By Implanted Modeling (IM), we mean modeling the limited area where the IUI is available to process the IUI to obtain model calculations.
And S3, performing wind control calculation based on a cloud computing platform on the data received from the wind control data access interface according to the wind control parameter setting information, and obtaining a wind control calculation result.
For example, the data received from the wind control data access interface is subjected to user matching in a database (for example, according to an identification number, a mobile phone number or a bank card number), and then a wind control model is called to perform judgment and obtain a wind control calculation result.
The cloud computing platform based wind-controlled computing comprises pre-credit assessment and/or in-credit risk assessment.
And the cloud computing platform performs credit evaluation before credit on the user during credit granting. For example, the financial companies in the middle and lower reaches need to promote the passing rate, the dynamic rate, the amount and the like, and by calling a standardized (personalized) interface, the cloud platform performs pre-credit assessment and in-credit risk assessment on the client of the partner and returns corresponding assessment results and related information, so as to provide the full-life-cycle wind control service.
And when the credit granting user applies for paying, the cloud computing platform carries out credit evaluation before credit again.
The in-credit risk assessment includes an amount assessment and/or a pricing assessment. Specifically, the evaluation of risk in credit includes giving a statement as to whether to provide credit increase (increase credit, such as based on social security, equity), whether to transfer (borrowable amount), whether to reduce the amount (reduced value means reduced interest rate), and whether to allow a trade again.
And S4, outputting the wind control calculation result.
For example, the result of the wind-control calculation may include giving a credit granting result, rating pricing, risk rating, credit score, credit increase result (increasing credit, such as based on social security and public accumulation), adjustment result (loaning amount), deration result (decreasing price means decreasing interest rate), and re-transaction result.
The invention provides a wind control service method based on a cloud platform, which is characterized in that a standard interface configured by wind control parameters is provided for receiving setting information of the wind control parameters and receiving data needing wind control service, according to the setting information of the wind control parameters, wind control calculation based on the cloud computing platform is carried out on the data received from a wind control data access interface, a wind control calculation result is obtained, and when the data of the wind control service are determined to be abnormal, risk control operation is automatically executed without carrying out a large amount of interaction with each service server, so that the risk control operation is very simple.
Fig. 2 is a schematic diagram of a cloud platform-based wind control service device architecture provided by the invention. As shown in fig. 2, includes:
a providing module 201 is configured to provide a standard interface for configuring the wind control parameters, and is configured to receive setting information for the wind control parameters.
It should be noted that the cloud computing platform may allow a user to access a dynamically configurable shared computing resource pool, which includes network devices, servers, storage devices, applications, and services, via a ubiquitous, convenient, on-demand network. The cloud computing platform can realize the rapid distribution and release of the configurable computing resources with lower management cost or lower interaction complexity between the user and the service provider.
After the user migrates the data to the cloud computing platform, ownership and control right of the data are separated, the user is the owner of the data, but the control right of the data is given to a provider of the cloud computing platform, and all resource operations such as computing, storage and the like related to the data are called wind control service based on the cloud computing platform in a mode that the user completes the operations through the cloud computing platform.
The cloud computing platform may include a plurality of wind control models, each having a configurable plurality of model parameters. For example, the wind control model may be implemented based on QLExpress, with necessary extensions to the credit system's own requirements. However, in the existing open source rule engine, the rule configuration is complex and inflexible, and the rule is executed after all index variables are prepared in advance when the rule is executed. The credit system has a plurality of products and a plurality of products have great differences, the models to be supported can comprise an approval rule model, a scoring model, a pre-credit model, a high-risk model and the like, the configuration requirements on the models are flexible, the dependency on data is strong, and a plurality of data sources of the credit system are acquired from the outside.
The setting information of the wind control parameters may generally include at least one of the following: applying for loan passing rate, loan amount dynamic rate and loan amount range. The loan application passing rate, the loan amount dynamic-supporting rate and the loan amount range can be obtained by calculation according to the historical financial data of the user.
The cloud computing platform may select a wind control model and/or configure model parameters according to the received wind control parameter setting information. For example, when the received wind control parameter setting information includes at least one of: and when applying for loan passing rate, loan amount dynamic support rate and loan amount range, the cloud computing platform can select a high-risk model and/or configure model parameters.
The cloud computing platform is preferably preset with a corresponding relation between the wind control parameter setting information and the model and/or the model parameters.
Therefore, the wind control service method based on the cloud platform provided by the invention provides standardized and personalized interface configuration and meets the wind control requirements of medium and small banks, consumption financial companies and medium and downstream mutual fund companies.
The receiving module 202 is configured to receive data that needs to be subjected to a wind control service.
And the data of the wind control service is used for reflecting the personal basic information of the user.
Typically, the data requiring a wind control service includes the user attribute information. The user attribute information includes information that enables unique determination of the user identity.
After receiving the data needing to be subjected to the wind control service, the method also comprises the step of acquiring the historical credit information of the user according to the user attribute information.
The step of obtaining the historical credit information of the user according to the user attribute information comprises the step of determining credit granting scores according to the user attribute information, wherein the credit granting scores are used for determining credit granting permission or credit limit of the user.
In a preferred embodiment, the user attribute information is information about the user that is inconvenient to obtain for various reasons, for example because of protection of personal privacy, or for compliance with legal regulations, or for some technical reason. We refer herein to user attribute Information as Indirect Usable Information (IUI). For example, the user attribute information includes at least one of the following data: identity card number, mobile phone number, bank card number.
Preferably, the IUI is processed in an Implanted Modeling (IM) manner, so as to obtain the credit score of the user information which is inconvenient to obtain. By Implanted Modeling (IM), we mean modeling a limited area where IUI is available to process the IUI to obtain model calculations.
And the calculating module 203 is configured to perform wind control calculation based on a cloud computing platform on the data received from the wind control data access interface according to the wind control parameter setting information, and obtain a wind control calculation result.
For example, the data received from the wind control data access interface is subjected to user matching in a database (for example, according to an identification number, a mobile phone number or a bank card number), and then a wind control model is called to perform judgment and obtain a wind control calculation result.
The cloud computing platform based wind-controlled computing comprises pre-credit assessment and/or in-credit risk assessment.
And the cloud computing platform performs credit evaluation before credit on the user during credit granting. For example, the financial companies in the middle and lower reaches need to promote the passing rate, the dynamic rate, the amount and the like, and by calling a standardized (personalized) interface, the cloud platform performs pre-credit assessment and in-credit risk assessment on the client of the partner and returns corresponding assessment results and related information, so as to provide the full-life-cycle wind control service.
And when the credit granting user applies for paying, the cloud computing platform carries out credit evaluation before credit again.
The in-credit risk assessment includes an amount assessment and/or a pricing assessment. Specifically, the evaluation of risk in credit includes giving a statement as to whether to provide credit increase (increase credit, such as based on social security, equity), whether to transfer (borrowable amount), whether to reduce the amount (reduced value means reduced interest rate), and whether to allow a trade again.
And the output module 204 is used for outputting the wind control calculation result.
For example, the result of the wind control calculation may include giving credit approval result, rating pricing, risk rating, credit score, credit increase result (increasing credit amount, such as based on social security and public deposit), adjustment result (loaning amount), reduction result (reduction refers to decrease of interest rate), and re-trading result.
The invention provides a wind control service method based on a cloud platform, which is characterized in that a standard interface configured by wind control parameters is provided for receiving setting information of the wind control parameters and data needing wind control service, and according to the setting information of the wind control parameters, wind control calculation based on the cloud computing platform is carried out on the data received from a wind control data access interface, wind control calculation results are obtained, and when the data of the wind control service are determined to be abnormal, risk control operation is automatically executed.
Those skilled in the art will appreciate that all or part of the steps to implement the above embodiments are implemented as programs (computer programs) executed by a computer data processing apparatus. When the computer program is executed, the method provided by the invention can be realized. Furthermore, the computer program may be stored in a computer readable storage medium, which may be a readable storage medium such as a magnetic disk, an optical disk, a ROM, a RAM, or a storage array composed of a plurality of storage media, such as a magnetic disk or a magnetic tape storage array. The storage medium is not limited to centralized storage, but may be distributed storage, such as cloud storage based on cloud computing.
Embodiments of the apparatus of the present invention are described below, which may be used to perform method embodiments of the present invention. The details described in the device embodiments of the invention should be regarded as supplementary to the method embodiments described above; reference is made to the above-described method embodiments for details not disclosed in the apparatus embodiments of the invention.
Those skilled in the art will appreciate that the modules in the above-described embodiments of the apparatus may be distributed as described in the apparatus, and may be correspondingly modified and distributed in one or more apparatuses other than the above-described embodiments. The modules of the above embodiments may be combined into one module, or further split into multiple sub-modules.
In the following, embodiments of the electronic device of the present invention are described, which may be regarded as specific physical implementations for the above-described embodiments of the method and apparatus of the present invention. Details described in the embodiments of the electronic device of the invention should be considered supplementary to the embodiments of the method or apparatus described above; for details which are not disclosed in embodiments of the electronic device of the invention, reference may be made to the above-described embodiments of the method or the apparatus.
Fig. 3 is a block diagram of an exemplary embodiment of an electronic device according to the present invention. An electronic device 300 according to this embodiment of the invention is described below with reference to fig. 3. The electronic device 300 shown in fig. 3 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 3, electronic device 300 is embodied in the form of a general purpose computing device. The components of electronic device 300 may include, but are not limited to: at least one processing unit 310, at least one memory unit 320, a bus 330 that couples various system components including the memory unit 320 and the processing unit 310, a display unit 340, and the like.
Wherein the storage unit stores program code executable by the processing unit 310, so that the processing unit 310 performs the steps according to various exemplary embodiments of the present invention described in the above-mentioned electronic prescription flow processing method section of the present specification. For example, the processing unit 310 may perform the steps as shown in fig. 3.
The storage unit 320 may include readable media in the form of volatile storage units, such as a random access memory unit (RAM) 3201 and/or a cache storage unit 3202, and may further include a read only memory unit (ROM) 3203.
The memory unit 320 may also include programs/utilities 3204 having a set (at least one) of program modules 3205, such program modules 3205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which or some combination thereof may comprise an implementation of a network environment.
The electronic device 300 may also communicate with one or more external devices 400 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 300, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 300 to communicate with one or more other computing devices. Such communication may occur through input/output (I/O) interface 350. Also, electronic device 300 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via network adapter 360. Network adapter 360 may communicate with other modules of electronic device 300 via bus 330. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with electronic device 300, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments of the present invention described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to make a computing device (which can be a personal computer, a server, or a network device, etc.) execute the above-mentioned method according to the present invention. The computer program, when executed by a data processing apparatus, enables the computer readable medium to carry out the above-described methods of the invention.
The computer program may be stored on one or more computer readable media. The computer readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The computer readable storage medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable storage medium may be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
In summary, the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that some or all of the functionality of some or all of the components in embodiments consistent with the present invention may be implemented in practice using a general purpose data processing device such as a microprocessor or a Digital Signal Processor (DSP). The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.
While the foregoing detailed description has described in detail certain embodiments of the invention with reference to certain specific aspects, embodiments and advantages thereof, it should be understood that the invention is not limited to any particular computer, virtual machine, or electronic device, as various general purpose machines may implement the invention. The present invention is not limited to the above embodiments, and any modifications, equivalent substitutions, improvements, etc. within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (9)
1. A wind control service method based on a cloud platform is characterized by comprising the following steps:
providing a standard interface for wind control parameter configuration, and receiving setting information of the wind control parameters;
the ownership and control right of the data are separated after the data are migrated to the cloud computing platform by a user, and the cloud computing platform selects a wind control model and/or configures parameters of the wind control model according to the setting information of the wind control parameters received from the standard interface;
receiving data needing wind control service; the data needing wind control service comprises user attribute information which cannot be directly utilized;
modeling a limited area capable of acquiring the indirectly unavailable user attribute information in an implanted modeling mode to determine a credit granting score of the indirectly unavailable user attribute information, wherein the credit granting score is used for determining credit granting permission or credit limit of the user;
according to the setting information of the wind control parameters, wind control calculation based on a cloud computing platform is carried out on data which are received from a wind control data access interface and need wind control service, and a wind control calculation result is obtained; wherein the cloud computing platform based wind-controlled computing comprises pre-credit assessment and/or in-credit risk assessment;
and outputting the wind control calculation result.
2. The cloud platform-based wind control service method according to claim 1, wherein:
the cloud computing platform includes a plurality of wind control models, each having a configurable plurality of model parameters.
3. The cloud platform-based wind control service method according to claim 1, wherein:
the setting information of the wind control parameters comprises at least one of the following: applying for loan passing rate, loan amount dynamic rate and loan amount range.
4. The cloud platform-based wind control service method according to claim 1, wherein:
the cloud computing platform is preset with corresponding relations between the wind control parameter setting information and the model and/or model parameters.
5. The cloud platform-based wind control service method according to any one of claims 1 to 3, wherein the selecting, by the cloud computing platform, the wind control model and/or the configuring of the model parameters according to the received wind control parameter setting information specifically includes:
when the received wind control parameter setting information comprises at least one of the following: and when applying for loan passing rate, loan amount dynamic support rate and loan amount range, the cloud computing platform can select a high-risk model and/or configure model parameters.
6. The cloud platform-based wind control service method according to any one of claims 1 to 4, wherein:
the user attribute information further includes information that enables unique determination of the user identity.
7. The utility model provides a wind accuse service device based on cloud platform which characterized in that includes:
the system comprises a providing module, a standard interface, a data processing module and a data processing module, wherein the standard interface is used for providing wind control parameter configuration, the standard interface is used for receiving setting information of wind control parameters, a user separates ownership and control right of data after migrating the data to a cloud computing platform, and the cloud computing platform selects a wind control model and/or configures model parameters according to the wind control parameter setting information received from the standard interface;
the receiving module is used for receiving data needing wind control service; the data needing wind control service comprises user attribute information which cannot be directly utilized;
the calculation module is used for modeling a limited area which can acquire the indirectly unavailable user attribute information in an implanted modeling mode to determine a credit granting score of the indirectly unavailable user attribute information, and the credit granting score is used for determining credit granting permission or credit limit of the user;
the wind control data access interface is used for receiving wind control parameter setting information of the wind control data access interface and the receiving module, and the wind control data access interface is used for receiving data needing wind control service from the wind control data access interface and the receiving module; wherein the cloud computing platform based wind-controlled computing comprises pre-credit assessment and/or in-credit risk assessment;
and the output module is used for outputting the wind control calculation result.
8. An electronic device, characterized in that: the electronic device includes: a processor; and a memory storing computer-executable instructions that, when executed, cause the processor to perform the cloud platform-based wind control service method of any of claims 1-6.
9. A computer-readable storage medium characterized by: the computer readable storage medium stores one or more programs that, when executed by a processor, implement the cloud platform-based wind control service method of any of claims 1-6.
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| CN113191889A (en) * | 2021-05-26 | 2021-07-30 | 中国工商银行股份有限公司 | Wind control configuration method, configuration system, electronic device and readable storage medium |
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| CN107316134A (en) * | 2017-06-16 | 2017-11-03 | 深圳乐信软件技术有限公司 | A kind of risk control method, device, server and storage medium |
| CN107464183A (en) * | 2017-07-03 | 2017-12-12 | 广州帝隆科技股份有限公司 | Debt-credit method, electronic equipment, storage medium and system based on internet |
| CN107845033A (en) * | 2017-11-08 | 2018-03-27 | 上海壹账通金融科技有限公司 | Air control report-generating method, device, equipment and computer-readable recording medium |
| US20190147376A1 (en) * | 2017-11-13 | 2019-05-16 | Tracker Networks Inc. | Methods and systems for risk data generation and management |
| CN108875388A (en) * | 2018-05-31 | 2018-11-23 | 康键信息技术（深圳）有限公司 | Real-time risk control method, device and computer readable storage medium |
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