CN110765484A - Credit investigation data processing method and electronic equipment - Google Patents
Credit investigation data processing method and electronic equipment Download PDFInfo
- Publication number
- CN110765484A CN110765484A CN201910986618.2A CN201910986618A CN110765484A CN 110765484 A CN110765484 A CN 110765484A CN 201910986618 A CN201910986618 A CN 201910986618A CN 110765484 A CN110765484 A CN 110765484A
- Authority
- CN
- China
- Prior art keywords
- credit investigation
- data
- request
- preset
- credit
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000011835 investigation Methods 0.000 title claims abstract description 409
- 238000003672 processing method Methods 0.000 title claims abstract description 14
- 238000004458 analytical method Methods 0.000 claims abstract description 43
- 238000012545 processing Methods 0.000 claims abstract description 35
- 238000000034 method Methods 0.000 claims abstract description 23
- 230000003044 adaptive effect Effects 0.000 claims abstract description 15
- 238000012795 verification Methods 0.000 claims description 36
- 230000003993 interaction Effects 0.000 abstract description 5
- 230000008569 process Effects 0.000 description 6
- 230000005540 biological transmission Effects 0.000 description 5
- 238000013499 data model Methods 0.000 description 3
- 238000010586 diagram Methods 0.000 description 3
- 230000002159 abnormal effect Effects 0.000 description 2
- 238000012550 audit Methods 0.000 description 2
- 238000013475 authorization Methods 0.000 description 2
- 238000001914 filtration Methods 0.000 description 2
- 238000012423 maintenance Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000005457 optimization Methods 0.000 description 2
- 238000004806 packaging method and process Methods 0.000 description 2
- 230000004044 response Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 238000007726 management method Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6227—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database where protection concerns the structure of data, e.g. records, types, queries
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/23—Updating
- G06F16/2365—Ensuring data consistency and integrity
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
- Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management
Landscapes
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Databases & Information Systems (AREA)
- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- General Engineering & Computer Science (AREA)
- Computer Hardware Design (AREA)
- Development Economics (AREA)
- General Health & Medical Sciences (AREA)
- Bioethics (AREA)
- Data Mining & Analysis (AREA)
- Health & Medical Sciences (AREA)
- Accounting & Taxation (AREA)
- Software Systems (AREA)
- Economics (AREA)
- Finance (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- General Business, Economics & Management (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a credit investigation data processing method and electronic equipment, wherein the method comprises the following steps: after receiving a credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result; calling a corresponding decision configuration rule according to the service scene, and acquiring credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation service terminal through a preset interface; and generating corresponding customized data from the acquired credit investigation data according to the customized requirement so as to respond to the credit investigation request. The method can formulate a query strategy according to the actual situation of the credit investigation request, and can perform adaptive data interaction with the preset credit investigation service terminal, thereby improving the processing efficiency and ensuring the stability and the order of the whole system.
Description
Technical Field
The invention relates to the field of financial credit investigation and data processing, in particular to a credit investigation data processing method and electronic equipment.
Background
At present, in the information era, data is greatly exploded, credit investigation is an authoritative and important source for measuring data value, but due to historical reasons and company backgrounds, technical schemes are different, and all units (such as financial companies) need to carry out adaptive inquiry on each channel for inquiring credit, so that with more and more credit investigation channels, credit investigation is more and more diversified, the management of credit investigation data becomes more and more complex, the use is not compatible, and the stability of a corresponding system is more and more poor during credit investigation data processing, so that errors occur in inquiry data.
Disclosure of Invention
The embodiment of the invention aims to provide a credit investigation data processing method and electronic equipment, the method can make an inquiry strategy according to the actual situation of a credit investigation inquiry request, and can perform adaptive data interaction with a preset credit investigation service terminal, so that the processing efficiency is improved, and the stability and the order of the whole system are ensured.
In order to solve the technical problem, the embodiment of the application adopts the following technical scheme: a credit investigation data processing method comprises the following steps:
after receiving a credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
calling a corresponding decision configuration rule according to the service scene, and acquiring credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation service terminal through a preset interface;
and generating corresponding customized data from the acquired credit investigation data according to the customized requirement so as to respond to the credit investigation request.
Preferably, the obtaining of the credit investigation data corresponding to the credit investigation request according to the decision configuration rule specifically includes:
and inquiring from a preset database according to the decision configuration rule, and starting an interface service of the preset interface when the credit investigation data corresponding to the credit investigation inquiry request is not found so as to acquire the credit investigation data from a preset credit investigation service terminal through the preset interface.
Preferably, the querying from a preset database according to the decision configuration rule includes:
and inquiring the credit investigation data from a cache corresponding to the preset database according to the decision configuration rule.
Preferably, after receiving the credit investigation request, analyzing the credit investigation request to generate a corresponding analysis result, and acquiring a corresponding service scenario according to the analysis result includes:
carrying out authority verification on the credit investigation query request, and carrying out verification operation on the credit investigation query request when a verification result meets the requirement;
and when the credit investigation query request passes the verification, analyzing the credit investigation query request.
Preferably, after receiving the credit investigation request, analyzing the credit investigation request to generate a corresponding analysis result, and acquiring a corresponding service scenario according to the analysis result includes:
after receiving the credit investigation query request, generating prompt information to prompt the customized service aiming at the credit investigation query request;
and analyzing the credit investigation request after the customized service and generating a corresponding analysis result.
Preferably, different preset credit investigation service terminals have respective interface programs, and the obtaining of the credit investigation data from at least one preset credit investigation service terminal through a preset interface includes:
and performing adaptive operation on the credit investigation query request according to an interface program of the preset credit investigation service terminal so as to enable the credit investigation query request to be adaptive to the interface program.
Preferably, the step of generating the corresponding customization data according to the customization requirement by using the acquired credit investigation data comprises:
and carrying out combination operation on the received messages of the credit investigation data so as to combine the messages to form the customized data.
Preferably, the method further comprises:
and recording and storing the received credit investigation request and the inquiry operation corresponding to the credit investigation request.
Preferably, the method further comprises:
and storing the acquired credit investigation data from an acquisition channel of a preset credit investigation service terminal according to the credit investigation data, and generating a corresponding log file.
An embodiment of the present application further provides an electronic device, including:
the analysis module is configured to analyze the credit investigation query request to generate a corresponding analysis result after receiving the credit investigation query request, and acquire a corresponding service scene according to the analysis result;
the processing module is configured to call a corresponding decision configuration rule according to the service scene, and acquire credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation server through a preset interface;
and the customization module is configured to generate corresponding customization data according to the customization requirements on the acquired credit investigation data so as to respond to the credit investigation request.
An embodiment of the present application further provides an electronic device, including a memory and a processor, where the memory stores an executable program, and the processor executes the executable program to perform the following steps:
after receiving a credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
calling a corresponding decision configuration rule according to the service scene, and acquiring credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation service terminal through a preset interface;
and generating corresponding customized data from the acquired credit investigation data according to the customized requirement so as to respond to the credit investigation request.
The embodiment of the invention has the beneficial effects that: the method can formulate a query strategy according to the actual situation of the credit investigation request, and can perform adaptive data interaction with the preset credit investigation service terminal, thereby improving the processing efficiency and ensuring the stability and the order of the whole system.
Drawings
Fig. 1 is a flowchart of a credit investigation data processing method according to an embodiment of the present invention;
FIG. 2 is a flowchart of one embodiment of step S1 of FIG. 1 according to the present invention;
FIG. 3 is a flowchart of another embodiment of step S1 in FIG. 1 according to the present invention;
fig. 4 is a flowchart of an embodiment of a credit investigation data processing method according to the present invention;
FIG. 5 is a schematic structural diagram of an electronic device according to an embodiment of the invention;
FIG. 6 is a structural diagram of an embodiment of an electronic device according to the invention;
fig. 7 is a schematic logical relationship diagram of an embodiment of an electronic device according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present disclosure more clear, the technical solutions of the embodiments of the present disclosure will be described below clearly and completely with reference to the accompanying drawings of the embodiments of the present disclosure. It is to be understood that the described embodiments are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the described embodiments of the disclosure without any inventive step, are within the scope of protection of the disclosure.
Unless otherwise defined, technical or scientific terms used herein shall have the ordinary meaning as understood by one of ordinary skill in the art to which this disclosure belongs. The use of "first," "second," and similar terms in this disclosure is not intended to indicate any order, quantity, or importance, but rather are used to distinguish one element from another. The word "comprising" or "comprises", and the like, means that the element or item listed before the word covers the element or item listed after the word and its equivalents, but does not exclude other elements or items. The terms "connected" or "coupled" and the like are not restricted to physical or mechanical connections, but may include electrical connections, whether direct or indirect. "upper", "lower", "left", "right", and the like are used merely to indicate relative positional relationships, and when the absolute position of the object being described is changed, the relative positional relationships may also be changed accordingly.
To maintain the following description of the embodiments of the present disclosure clear and concise, a detailed description of known functions and known components have been omitted from the present disclosure.
A credit investigation data processing method according to an embodiment of the present invention can be applied to an electronic device such as a server, so as to receive a credit investigation query request sent by a client (i.e., a data processing service caller or a requester) or other external systems and correspondingly return a query result, as shown in fig. 1 in combination with fig. 6 and 7, the method includes the following steps:
and S1, after receiving the credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result. The credit investigation request can be sent by the client, which can be one side of various channels needing credit investigation, such as financial institution needing to inquire personal credit investigation records, and the credit investigation request is sent to the electronic equipment such as the server by the client, the electronic equipment can receive the credit investigation request, since the credit investigation request can be sent by different clients and has various forms, such as batch sending credit investigation request actively input by the first client, or a credit investigation request with a unique target sent by a second client through the internet and the like, therefore, the credit investigation request needs to be analyzed, various specific meanings including the inquiry target represented by the credit investigation request are judged, the corresponding service scene is obtained, the service scenario may be the source and target of the credit investigation request, and the related information of the application context of the investigation service.
And S2, calling a corresponding decision configuration rule according to the service scene, and acquiring credit investigation data corresponding to the credit investigation request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation server through a preset interface. Different service scenes have respective corresponding decision configuration rules, each service scene has respective authority, and the abundance of credit investigation data required to be returned by each service scene is different, so that the corresponding decision configuration rules are called according to the service scenes and the corresponding credit investigation decision service is called, thereby meeting various different requirements. For example, in one embodiment, the decision configuration rules corresponding to the credit investigation request sent in batch and the single credit investigation request sent out are different; in another embodiment, the credit investigation request sent by the private financial company and the credit investigation request sent by the public welfare entity have different decision configuration rules; in yet another embodiment, the amount of credit data required to be returned by the credit investigation request determines which decision configuration rule to choose.
The preset interface may be an interface which is connected with a preset credit investigation service terminal and performs data interaction on electronic equipment such as a server, and the preset credit investigation service terminal may be a preset side capable of providing authoritative source data, such as one or more of a bank system, a public security system, a academic certificate system, a credit card system, a civil aviation system, and the like. Therefore, accurate credit investigation data can be acquired from the preset credit investigation service terminal through the preset interface. Certainly, the configuration conditions of the preset interface may be different according to different preset credit investigation service terminals, so as to ensure that the electronic equipment applying the credit investigation data processing method can be adapted to various different preset credit investigation service terminals.
And S3, generating corresponding customization data according to the acquired credit investigation data and the customization requirement so as to respond to the credit investigation request. The user can customize the returned credit investigation data according to the self needs, for example, the user only needs to quickly return specific information with extremely small data quantity, or the user needs to feed back rich credit investigation information, so that the target object can be comprehensively evaluated.
In an embodiment of the present application, the obtaining of credit investigation data corresponding to the credit investigation request according to the decision configuration rule specifically includes the following steps: and inquiring from a preset database according to the decision configuration rule, and starting credit investigation interface service of a preset interface when the credit investigation data corresponding to the credit investigation request is not found so as to acquire the credit investigation data from a preset credit investigation service terminal through the preset interface.
With reference to fig. 7, the preset database may be installed on an electronic device such as a server, or may be connected to an electronic device such as a server, where a large amount of authenticated valid source data may be stored, and a response may be provided for a credit investigation query request sent by a client, so as to ensure that data does not need to be acquired from an external preset credit investigation server and the credit investigation query request may be responded. In this embodiment, the credit investigation decision service can be invoked to perform inquiry from the preset database according to the decision configuration rule, and when the credit investigation data corresponding to the credit investigation inquiry request is not found, the credit investigation interface service of the preset interface is started again, so as to obtain the credit investigation data from the preset credit investigation service terminal through the preset interface. Therefore, the use of system resources can be effectively reduced, and the query efficiency is further improved. In a specific embodiment, when a remote query request is received (i.e., a credit investigation query request is received), a third-party API of a corresponding preset credit investigation service terminal is called to perform remote query service, a message sent remotely by the preset credit investigation service terminal is analyzed according to corresponding information, the message returned by the preset credit investigation service terminal is analyzed into a message required by a client sending the credit investigation request and is stored in an ES, and finally, a configured data model is assembled and returned to the client (i.e., a data processing service caller or requester). In another specific embodiment, a Freemarker can be adopted to analyze and preset credit investigation messages returned by a credit investigation service terminal, and the credit investigation messages are stored in an ES; and then, automatically packaging the credit investigation message according to credit investigation definition configuration and credit investigation authorization configuration to form a message report, and returning the message report to the client (namely a data processing service calling party or a requesting party), wherein the CSPWEB and the batch processing application automatically convert the returned credit investigation message into a credit investigation report according to the credit investigation report template configuration and send the credit investigation report to the client.
When batch credit investigation requests sent by a client are processed, credit investigation batch processing needs to be carried out on the batch credit investigation requests and corresponding credit investigation batch processing services are called. After optimization, task processing is divided into a plurality of different stages, mutual interference among all threads is avoided, all the threads are not required to be inquired again when abnormal interruption occurs, and the fault-tolerant capability and the inquiry efficiency of the program are improved. In the process of importing the batch credit investigation request, a full data updating mode is adopted, and the processing efficiency is improved. The consistency of the data states of the CSPDB and the APEXDC database is ensured in the batch processing process.
In an embodiment of the present application, the querying from the preset database according to the decision configuration rule includes the following steps: and inquiring credit investigation data from a cache corresponding to a preset database according to the decision configuration rule. Compared with a common memory, the cache has a higher running speed, and can acquire the data existing in the cache more quickly, so that in the embodiment, before the query is performed on the preset database, the query operation can be performed on the cache corresponding to the preset database first, if the credit investigation data can be acquired in the cache, other query processes are not required, and if the credit investigation data is not found, the query operation can be performed on the preset database again, so that the query efficiency is further improved.
In an embodiment of the present application, as shown in fig. 2 and with reference to fig. 4, after receiving the credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scenario according to the analysis result includes the following steps:
s11, performing authority verification on the credit investigation request, and performing verification operation on the credit investigation request when the verification result meets the requirement;
and S12, when the credit investigation request passes the verification, analyzing the credit investigation request.
The client sending the credit investigation request has respective authority, so that different credit investigation requests have respective authority. In one embodiment, the credit investigation request with higher authority may call data of a preset credit investigation service terminal (such as a public security system) with higher admission standard, and the credit investigation request with lower authority may call data of a preset credit investigation service terminal (such as a credit card system) with lower admission standard; in another embodiment, credit investigation requests without permission or credit investigation requests that are not in compliance are prohibited from being accessed. And when the verification result meets the requirement, the credit investigation query request is checked, and the check operation can judge whether the credit investigation request is correct, such as whether the integrity of data or format requirement and the like meet the regulation. When the credit investigation request is not met, the client can be required to resend the credit investigation request, or the checking result can be sent to the client, so that the client can modify the credit investigation request according to the checking result and resend the credit investigation request. And if the credit investigation query request passes the verification, analyzing the credit investigation query request, and if the credit investigation query request passes the verification, analyzing a message of the credit investigation query request, and further judging operations such as a service scene and the like corresponding to the credit investigation query request.
In another embodiment, when the credit investigation request has the inquiry authority and meets the requirement after verification, the credit investigation request is verified, the verification operation can be performed by inputting verification parameters into the electronic equipment, the verification result is analyzed to complete the verification operation, and only when the credit investigation request passes the verification, the credit investigation request is analyzed; and if the credit investigation query request can not pass the verification, generating verification prompt information and sending the verification prompt information to the client so that the client can send the credit investigation query request again or abandons sending the credit investigation query request.
In an embodiment of the present application, as shown in fig. 3 and with reference to fig. 4, after receiving the credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scenario according to the analysis result includes the following steps:
s13, generating prompt information after receiving the credit investigation request to prompt the customized service for the credit investigation request;
and S14, analyzing the credit investigation request after the customized service and generating a corresponding analysis result.
Specifically, the generated prompt information may prompt or guide the requester to set a customized service meeting the requirements of the requester, such as how much credit investigation data of the credit investigation target object needs to be returned, for example, only the id card information needs to be queried, or the id card information needs to be queried while the financial information related to the id card information is queried. The corresponding customized service can be provided according to the customization requirements of the user so as to meet various requirements of the user.
In an embodiment of the present application, different preset credit investigation service terminals have respective interface programs, and the obtaining of credit investigation data from at least one preset credit investigation service terminal through a preset interface includes the following steps: and performing adaptive operation on the credit investigation query request according to an interface program of a preset credit investigation service end so as to enable the credit investigation query request to be adaptive to the interface program.
In this embodiment, the credit investigation request is adaptively operated, such as a standard transmission format, and encrypted transmission is required to be performed during encrypted transmission or an inexhaustible identifier must be completely supplemented, so that the credit investigation request subjected to the adaptive operation can be adapted to one or more preset credit investigation service terminals currently used, thereby acquiring accurate credit investigation data from the preset credit investigation service terminals and ensuring that no error occurs after the data passes through the preset interface.
In an embodiment of the present application, with reference to fig. 4, the step of generating the corresponding customization data according to the customization requirement by using the acquired credit investigation data includes the following steps: and carrying out combination operation on the received messages of the credit investigation data so as to combine the messages to form the customized data.
Specifically, the combined messages can form complete customized data meeting the user requirements. In addition, in one embodiment, before the customized data is returned, filtering operation can be performed on the credit investigation data according to the authority, that is, the credit investigation data is filtered according to the role authority of the requester, and then the customized data is returned. The customized data can also be subjected to message format conversion, and the format of the customized data is returned according to the report type in the customization requirement, such as the customized data in xml and json formats is returned to the query requester.
In one embodiment of the present application, the method further comprises: and recording and storing the received credit investigation request and the inquiry operation corresponding to the credit investigation request. Recording and storing the data can provide assistance for subsequent operations, for example, an administrator can call a query record, and then, for example, store specific data (such as credit data of specific personnel) so as to quickly respond to the same credit query request, or provide a basis for subsequent system upgrade and maintenance, such as timely adjusting the programming according to the generated error report record so that the data processing method is more complete.
In one embodiment of the present application, the method further comprises: and storing the acquired credit investigation data from an acquisition channel of a preset credit investigation service terminal according to the credit investigation data, and generating a corresponding log file. Specifically, credit investigation data is written into the ES, data related to channels are stored according to different channels, the data include latest credit investigation data and snapshot information, the credit investigation data and the related channel credit investigation data can be indexed by year (index), a search engine can be adopted for inquiry, the audit can be carried out, and generated log information can be stored according to a monthly index. When the credit investigation data is stored, a relational database, such as a MYSQL database with user information and powerful configuration, can be used. An embodiment of the present application further provides an electronic device, as shown in fig. 5 in combination with fig. 6 and 7, including:
and the analysis module is configured to analyze the credit investigation query request to generate a corresponding analysis result after receiving the credit investigation query request, and acquire a corresponding service scene according to the analysis result. The credit investigation request can be sent by the client, which can be one side of various channels needing credit investigation, such as financial institution needing to inquire personal credit investigation records, and the credit investigation request is sent to the electronic equipment such as the server by the client, the electronic equipment can receive the credit investigation request, since the credit investigation request can be sent by different clients and has various forms, such as batch sending credit investigation request actively input by the first client, or a credit investigation request with a unique target sent by a second client through the internet and the like, therefore, the analysis module is required to analyze the credit investigation request, judge various specific meanings including the inquiry target represented by the credit investigation request, obtain corresponding service scenes, the service scenario may be the source and target of the credit investigation request, and the related information of the application context of the investigation service.
And the processing module is configured to call a corresponding decision configuration rule according to the service scene and acquire credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the processing module acquires the credit investigation data from at least one preset credit investigation server through a preset interface. Different service scenes have respective corresponding decision configuration rules, each service scene has respective authority, and the abundance of credit investigation data required to be returned by each service scene is different, so that the processing module calls the corresponding decision configuration rules and calls the corresponding credit investigation decision service according to the service scenes so as to meet various different requirements. For example, in one embodiment, the decision configuration rules corresponding to the credit investigation request sent in batch and the single credit investigation request sent out are different; in another embodiment, the credit investigation request sent by the private financial company and the credit investigation request sent by the public welfare entity have different decision configuration rules; in yet another embodiment, the amount of credit data required to be returned by the credit investigation request determines which decision configuration rule the processing module chooses.
The preset interface may be an interface which is connected with a preset credit investigation service terminal and performs data interaction on electronic equipment such as a server, and the preset credit investigation service terminal may be a preset side capable of providing authoritative source data, such as one or more of a bank system, a public security system, a academic certificate system, a credit card system, a civil aviation system, and the like. Therefore, the processing module can acquire accurate credit investigation data from the preset credit investigation service terminal through the preset interface. Certainly, the configuration conditions of the preset interface may be different according to different preset credit investigation service terminals, so as to ensure that the electronic equipment applying the credit investigation data processing method can be adapted to various different preset credit investigation service terminals.
And the customization module is configured to generate corresponding customization data according to the customization requirements on the acquired credit investigation data so as to respond to the credit investigation request. The user can customize the returned credit investigation data according to the self needs, for example, the user only needs to quickly return specific information with extremely small data quantity, or the user needs to feed back rich credit investigation information, so that the target object can be comprehensively evaluated.
In an embodiment of the application, the electronic device may be a web cluster, is highly available, supports horizontal expansion, may change an original internal communication protocol of the web cluster from RMI to http, may further implement load balancing by using an intelligent DNS, and may be deployed by using a plurality of web service clusters.
In an embodiment of the present application, in conjunction with fig. 4 and 7, the processing module is further configured to: and inquiring from a preset database according to the decision configuration rule, and starting credit investigation interface service of a preset interface when the credit investigation data corresponding to the credit investigation request is not found so as to acquire the credit investigation data from a preset credit investigation service terminal through the preset interface.
The preset database can be installed on electronic equipment such as a server and the like, and can also be connected with the electronic equipment such as the server and the like, a large amount of authenticated effective source data can be stored, and a response can be provided for a credit investigation query request sent by a client, so that the data does not need to be acquired from an external preset credit investigation service terminal, and the credit investigation query request can be responded. In this embodiment, the processing module may preferentially perform query from the preset database according to the decision configuration rule and invoke the corresponding credit investigation decision service, and when the credit investigation data corresponding to the credit investigation query request is not found, restart the credit investigation interface service of the preset interface, so as to obtain the credit investigation data from the preset credit investigation service end through the preset interface. Therefore, the use of system resources can be effectively reduced, and the query efficiency is further improved. In a specific embodiment, when a remote query request is received (i.e., a credit investigation query request is received), the processing module calls a third-party API of a corresponding preset credit investigation service terminal to perform remote query service, analyzes a message remotely sent by the preset credit investigation service terminal according to corresponding information, analyzes the message returned by the preset credit investigation service terminal into a message required by a client sending the credit investigation request, stores the message in an ES, and finally assembles a configured data model and returns the assembled data model to the client (i.e., a data processing service caller or requester). In another specific embodiment, a Freemarker can be adopted to analyze and preset credit investigation messages returned by a credit investigation service terminal, and the credit investigation messages are stored in an ES; and then, automatically packaging the credit investigation message according to credit investigation definition configuration and credit investigation authorization configuration to form a message report, and returning the message report to the client (namely a data processing service calling party or a requesting party), wherein the CSPWEB and the batch processing application automatically convert the returned credit investigation message into a credit investigation report according to the credit investigation report template configuration and send the credit investigation report to the client.
In one embodiment, when processing a batch credit investigation query request sent by a client, a processor needs to perform credit investigation batching on the batch credit investigation query request and call a corresponding credit investigation batching service. After optimization, task processing is divided into a plurality of different stages, mutual interference among all threads is avoided, all the threads are not required to be inquired again when abnormal interruption occurs, and the fault-tolerant capability and the inquiry efficiency of the program are improved. In the process of importing the batch credit investigation request, a full data updating mode is adopted, and the processing efficiency is improved. The consistency of the data states of the CSPDB and the APEXDC database is ensured in the batch processing process.
In an embodiment of the present application, in conjunction with fig. 4, the processing module is further configured to: and inquiring credit investigation data from a cache corresponding to a preset database according to the decision configuration rule. Compared with a common memory, the cache has a higher running speed, and can acquire data existing in the cache more quickly, so that in the embodiment, the processing module can firstly perform query operation on the cache corresponding to the preset database before querying the preset database, if credit investigation data can be acquired in the cache, other query processes are not required, and if the credit investigation data is not found, query operation can be performed on the preset database, so that the query efficiency is further improved.
In an embodiment of the present application, in conjunction with fig. 4 and 6, the parsing module is further configured to: carrying out authority verification on the credit investigation request, and carrying out verification operation on the credit investigation request when a verification result meets the requirement; and when the credit investigation query request passes the verification, analyzing the credit investigation query request.
The client sending the credit investigation request has respective authority, so that different credit investigation requests have respective authority. In one embodiment, the credit investigation request with higher authority may call data of a preset credit investigation service terminal (such as a public security system) with higher admission standard, and the credit investigation request with lower authority may call data of a preset credit investigation service terminal (such as a credit card system) with lower admission standard; in another embodiment, credit investigation requests without permission or credit investigation requests that are not in compliance are prohibited from being accessed. And the analysis module carries out check operation on the credit investigation query request when the verification result meets the requirement, and the check operation can judge whether the credit investigation query request is correct, such as whether the integrity of data or format requirement and the like meet the regulation. When the credit investigation request does not conform to the specification, the analysis module can require the client to resend the credit investigation request, or send the verification result to the client so that the client can modify the credit investigation request according to the verification result and resend the credit investigation request. If the credit investigation query request passes the verification, the analysis module analyzes the credit investigation query request, for example, analyzes the message of the credit investigation query request, and further judges the operation such as the service scene corresponding to the credit investigation query request.
In another embodiment, when the credit investigation request has the inquiry authority and meets the requirement after the verification of the analysis module, the checking operation is carried out on the credit investigation request, the checking operation can be carried out by inputting the checking parameter into the electronic equipment, then the checking result is analyzed to complete the checking operation, and only when the credit investigation request passes the checking, the credit investigation request is analyzed; and if the credit investigation query request cannot pass the verification of the analysis module, generating verification prompt information and sending the verification prompt information to the client so that the client can send the credit investigation query request again or abandons sending the credit investigation query request.
In one embodiment of the present application, the customization module is further configured to: after receiving a credit investigation query request, generating prompt information to prompt the customized service aiming at the credit investigation query request; and analyzing the credit investigation request after the customized service and generating a corresponding analysis result.
Specifically, the prompt information generated by the customization module can prompt or guide the requester to set the customized service meeting the requirements of the requester, for example, what degree of credit investigation data of the credit investigation target object needs to be returned, for example, only the identity card information needs to be inquired, or the financial information related to the identity card information needs to be inquired while the identity card information is inquired, and further, the corresponding customized service can be provided according to the customization requirements of the user, so that various requirements of the user can be met.
In an embodiment of the application, different preset credit investigation service terminals have respective interface programs, and the processing module is further configured to: and performing adaptive operation on the credit investigation query request according to an interface program of a preset credit investigation service end so as to enable the credit investigation query request to be adaptive to the interface program.
In this embodiment, the processing module performs adaptive operation on the credit investigation request, such as a standard transmission format, and requires that encrypted transmission be performed or an inexhaustible identifier must be completely supplemented, so that the credit investigation request subjected to the adaptive operation can be adapted to one or more preset credit investigation service terminals currently used, thereby acquiring accurate credit investigation data from the preset credit investigation service terminals and ensuring that no error occurs after the data passes through the preset interface.
In one embodiment of the present application, the customization module is further configured to: and carrying out combination operation on the received messages of the credit investigation data so as to combine the messages to form the customized data.
Specifically, the combined messages can form complete customized data meeting the user requirements. In addition, in an embodiment, before the customized data is returned, the customization module may further perform a filtering operation on the credit investigation data according to the authority, that is, filter the credit investigation data according to the role authority of the requester, and then return the customized data. The customization module can also convert the message format of the customization data, and return the format of the customization data according to the report type in the customization requirement, such as returning the customization data in xml and json formats to the query requester.
In one embodiment of the present application, the electronic device further includes a recording module configured to: and recording and storing the received credit investigation request and the inquiry operation corresponding to the credit investigation request. The recording module records and stores the data to provide help for subsequent operations, for example, an administrator can call a query record, and then, for example, store specific data (such as credit data of specific personnel) so as to quickly respond to the same credit query request, or provide a basis for subsequent system upgrade and maintenance, such as timely adjusting the program design according to the generated error report record so that the data processing method is more complete.
In one embodiment of the present application, the electronic device further includes a storage module configured to: and storing the acquired credit investigation data from an acquisition channel of a preset credit investigation service terminal according to the credit investigation data, and generating a corresponding log file. Specifically, credit investigation data is written into the ES, data related to channels are stored according to different channels, the data include latest credit investigation data and snapshot information, the credit investigation data and the related channel credit investigation data can be indexed by year (index), a search engine can be adopted for inquiry, the audit can be carried out, and generated log information can be stored according to a monthly index. When the credit investigation data is stored, a relational database, such as a MYSQL database with user information and powerful configuration, can be used.
An embodiment of the present application further provides an electronic device, including a memory and a processor, where the memory stores an executable program, and the processor executes the executable program to perform the following steps:
after receiving a credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
calling a corresponding decision configuration rule according to the service scene, and acquiring credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation service terminal through a preset interface;
and generating corresponding customized data from the acquired credit investigation data according to the customized requirement so as to respond to the credit investigation request.
The above embodiments are only exemplary embodiments of the present invention, and are not intended to limit the present invention, and the scope of the present invention is defined by the claims. Various modifications and equivalents may be made by those skilled in the art within the spirit and scope of the present invention, and such modifications and equivalents should also be considered as falling within the scope of the present invention.
Claims (10)
1. A credit investigation data processing method is characterized by comprising the following steps:
after receiving a credit investigation query request, analyzing the credit investigation query request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
calling a corresponding decision configuration rule according to the service scene, and acquiring credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation service terminal through a preset interface;
and generating corresponding customized data from the acquired credit investigation data according to the customized requirement so as to respond to the credit investigation request.
2. The method according to claim 1, wherein the obtaining the credit investigation data corresponding to the credit investigation query request according to the decision configuration rule specifically comprises:
and inquiring from a preset database according to the decision configuration rule, and starting an interface service of the preset interface when the credit investigation data corresponding to the credit investigation inquiry request is not found so as to acquire the credit investigation data from a preset credit investigation service terminal through the preset interface.
3. The method of claim 2, wherein querying from a predetermined database according to the decision-making configuration rule comprises:
and inquiring the credit investigation data from a cache corresponding to the preset database according to the decision configuration rule.
4. The method according to claim 1, wherein after receiving the credit investigation request, analyzing the credit investigation request to generate a corresponding analysis result, and acquiring a corresponding service scenario according to the analysis result comprises:
carrying out authority verification on the credit investigation query request, and carrying out verification operation on the credit investigation query request when a verification result meets the requirement;
and when the credit investigation query request passes the verification, analyzing the credit investigation query request.
5. The method according to claim 1, wherein after receiving the credit investigation request, analyzing the credit investigation request to generate a corresponding analysis result, and acquiring a corresponding service scenario according to the analysis result comprises:
after receiving the credit investigation query request, generating prompt information to prompt the customized service aiming at the credit investigation query request;
and analyzing the credit investigation request after the customized service and generating a corresponding analysis result.
6. The method according to claim 1, wherein different preset credit investigation service terminals have respective interface programs, and the obtaining the credit investigation data from at least one preset credit investigation service terminal through a preset interface comprises:
and performing adaptive operation on the credit investigation query request according to an interface program of the preset credit investigation service terminal so as to enable the credit investigation query request to be adaptive to the interface program.
7. The method according to claim 1, wherein the step of generating the acquired credit investigation data into corresponding customization data according to the customization requirement comprises:
and carrying out combination operation on the received messages of the credit investigation data so as to combine the messages to form the customized data.
8. The method of claim 1, further comprising:
and recording and storing the received credit investigation request and the inquiry operation corresponding to the credit investigation request.
9. The method of claim 1, further comprising:
and storing the acquired credit investigation data from an acquisition channel of a preset credit investigation service terminal according to the credit investigation data, and generating a corresponding log file.
10. An electronic device, comprising:
the analysis module is configured to analyze the credit investigation query request to generate a corresponding analysis result after receiving the credit investigation query request, and acquire a corresponding service scene according to the analysis result;
the processing module is configured to call a corresponding decision configuration rule according to the service scene, and acquire credit investigation data corresponding to the credit investigation query request according to the decision configuration rule, wherein the credit investigation data is acquired from at least one preset credit investigation server through a preset interface;
and the customization module is configured to generate corresponding customization data according to the customization requirements on the acquired credit investigation data so as to respond to the credit investigation request.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910986618.2A CN110765484B (en) | 2019-10-17 | 2019-10-17 | Credit data processing method and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910986618.2A CN110765484B (en) | 2019-10-17 | 2019-10-17 | Credit data processing method and electronic equipment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110765484A true CN110765484A (en) | 2020-02-07 |
| CN110765484B CN110765484B (en) | 2024-02-02 |
Family
ID=69332175
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910986618.2A Active CN110765484B (en) | 2019-10-17 | 2019-10-17 | Credit data processing method and electronic equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110765484B (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111782696A (en) * | 2020-06-29 | 2020-10-16 | 广东粤财金融云科技股份有限公司 | Credit investigation data processing method and device |
| CN112015770A (en) * | 2020-09-07 | 2020-12-01 | 上海银行股份有限公司 | Multi-element credit investigation query system based on big data technology |
| CN112035485A (en) * | 2020-09-03 | 2020-12-04 | 徐州金蝶软件有限公司 | Method and system for realizing efficient query of credit information data based on distributed architecture |
| CN112348664A (en) * | 2020-10-28 | 2021-02-09 | 富邦华一银行有限公司 | Credit credit information management system supporting automatic early warning |
| CN112581144A (en) * | 2020-12-16 | 2021-03-30 | 中国建设银行股份有限公司 | Credit certification data processing method, device and system |
| CN112598508A (en) * | 2020-12-28 | 2021-04-02 | 中国农业银行股份有限公司 | Credit investigation data use method and system |
| CN112769888A (en) * | 2020-11-18 | 2021-05-07 | 苏宁消费金融有限公司 | Credit investigation data acquisition system and automatic routing method thereof |
| CN112765213A (en) * | 2020-12-31 | 2021-05-07 | 永辉云金科技有限公司 | Second-generation credit investigation automation query method, system and computer equipment |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20170371922A1 (en) * | 2016-06-28 | 2017-12-28 | Sap Se | Database Management for Mobile Devices |
| CN107943854A (en) * | 2017-11-03 | 2018-04-20 | 深圳前海微众银行股份有限公司 | Reference service inquiry method, apparatus and computer-readable recording medium |
| CN108734566A (en) * | 2018-04-03 | 2018-11-02 | 平安普惠企业管理有限公司 | Collage-credit data querying method, terminal device and medium |
| CN109753525A (en) * | 2018-12-28 | 2019-05-14 | 国云科技股份有限公司 | It is a kind of based on enterprise query system that can be properties and its implementation |
| CN109766354A (en) * | 2018-12-04 | 2019-05-17 | 北京辰森世纪科技股份有限公司 | Optimization method, device and the equipment of business datum inquiry |
-
2019
- 2019-10-17 CN CN201910986618.2A patent/CN110765484B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20170371922A1 (en) * | 2016-06-28 | 2017-12-28 | Sap Se | Database Management for Mobile Devices |
| CN107943854A (en) * | 2017-11-03 | 2018-04-20 | 深圳前海微众银行股份有限公司 | Reference service inquiry method, apparatus and computer-readable recording medium |
| CN108734566A (en) * | 2018-04-03 | 2018-11-02 | 平安普惠企业管理有限公司 | Collage-credit data querying method, terminal device and medium |
| CN109766354A (en) * | 2018-12-04 | 2019-05-17 | 北京辰森世纪科技股份有限公司 | Optimization method, device and the equipment of business datum inquiry |
| CN109753525A (en) * | 2018-12-28 | 2019-05-14 | 国云科技股份有限公司 | It is a kind of based on enterprise query system that can be properties and its implementation |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111782696A (en) * | 2020-06-29 | 2020-10-16 | 广东粤财金融云科技股份有限公司 | Credit investigation data processing method and device |
| CN112035485A (en) * | 2020-09-03 | 2020-12-04 | 徐州金蝶软件有限公司 | Method and system for realizing efficient query of credit information data based on distributed architecture |
| CN112035485B (en) * | 2020-09-03 | 2023-09-26 | 江苏新蝶数字科技有限公司 | Method and system for realizing efficient query of credit information data based on distributed architecture |
| CN112015770A (en) * | 2020-09-07 | 2020-12-01 | 上海银行股份有限公司 | Multi-element credit investigation query system based on big data technology |
| CN112348664A (en) * | 2020-10-28 | 2021-02-09 | 富邦华一银行有限公司 | Credit credit information management system supporting automatic early warning |
| CN112348664B (en) * | 2020-10-28 | 2024-04-16 | 富邦华一银行有限公司 | Credit credit management system supporting automatic early warning |
| CN112769888A (en) * | 2020-11-18 | 2021-05-07 | 苏宁消费金融有限公司 | Credit investigation data acquisition system and automatic routing method thereof |
| CN112769888B (en) * | 2020-11-18 | 2022-06-17 | 苏宁消费金融有限公司 | Credit investigation data acquisition system and automatic routing method thereof |
| CN112581144A (en) * | 2020-12-16 | 2021-03-30 | 中国建设银行股份有限公司 | Credit certification data processing method, device and system |
| CN112598508A (en) * | 2020-12-28 | 2021-04-02 | 中国农业银行股份有限公司 | Credit investigation data use method and system |
| CN112598508B (en) * | 2020-12-28 | 2024-01-19 | 中国农业银行股份有限公司 | Credit data use method and system |
| CN112765213A (en) * | 2020-12-31 | 2021-05-07 | 永辉云金科技有限公司 | Second-generation credit investigation automation query method, system and computer equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110765484B (en) | 2024-02-02 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110765484A (en) | Credit investigation data processing method and electronic equipment | |
| CN112367321B (en) | Method for quickly constructing service call and middle station API gateway | |
| CN111092811B (en) | Request processing method and device, API gateway and readable storage medium | |
| JP2022000757A (en) | Model training system, method and storage medium | |
| US7886341B2 (en) | External authentication against a third-party directory | |
| CN112788031B (en) | Micro-service interface authentication system, method and device based on Envoy architecture | |
| US8745088B2 (en) | System and method of performing risk analysis using a portal | |
| US20110302631A1 (en) | Systems and methods for logging into an application on a second domain from a first domain in a multi-tenant database system environment | |
| CN112612629A (en) | Method and system for realizing component type data interface | |
| CN110909013B (en) | Service list generation method, device, equipment and computer readable storage medium | |
| US20150112985A1 (en) | System and Method for Querying Disparate Data Sources in Real Time | |
| CN110880146A (en) | Block chain chaining method, device, electronic equipment and storage medium | |
| CN112733001B (en) | Method and device for acquiring subscription information and electronic equipment | |
| CN111597543A (en) | Wide-area process access authority authentication method and system based on block chain intelligent contract | |
| EP3972199B1 (en) | Open interface management method, electronic device, and storage medium | |
| CN115801472B (en) | Authority management method and system based on authentication gateway | |
| CN115098528B (en) | Service processing method, device, electronic equipment and computer readable storage medium | |
| CN113987035A (en) | Block chain external data access method, device, system, equipment and medium | |
| CN111552551A (en) | User management method and device based on master-slave system, computer equipment and medium | |
| CN112835974B (en) | Method and device for credibly acquiring and storing evidence of data outside link | |
| CN117973828B (en) | Approval process management method and device for business general purpose based on Activiti | |
| CN116305218B (en) | Data link tracking and data updating method, device and data management system | |
| CN116562884B (en) | Data element circulation method, device, electronic equipment and storage medium | |
| CN113449035B (en) | Data synchronization method, device, computer equipment and readable storage medium | |
| CN118228252A (en) | Data asset quality monitoring method and system based on safety intersection |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |