CN110765484B - Credit data processing method and electronic equipment - Google Patents
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Abstract
The invention discloses a credit investigation data processing method and electronic equipment, wherein the method comprises the following steps: after receiving a credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result; invoking 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 step of acquiring the credit investigation data from at least one preset credit investigation server through a preset interface; and generating corresponding customized data according to the customized requirements from the acquired credit investigation data so as to respond to the credit investigation inquiry request. The method can formulate the query strategy according to the actual condition of the credit inquiry request, and can perform adaptive data interaction with the preset credit inquiry server, so that the processing efficiency is improved, and meanwhile, the stability and the order of the whole system are ensured.
Description
Technical Field
The invention relates to the field of financial credit and data processing, in particular to a credit data processing method and electronic equipment.
Background
At present, data in the information age is greatly exploded, credit is an authoritative and important source for measuring the value of the data, but due to different historical reasons and company backgrounds, each unit (such as a finance company) needs to carry out adaptive inquiry on each channel for inquiring the credit, so that as the credit channels are more and more, the credit inquiry is more and more diversified, the management of the credit data becomes more and more complex, the credit data is not compatible in use, and the stability of a corresponding system becomes worse when the credit data is processed, so that the inquiry data is wrong.
Disclosure of Invention
The embodiment of the invention aims to provide a credit investigation data processing method and electronic equipment, wherein the method can formulate a query strategy according to the actual condition of a credit investigation query request, and can perform adaptive data interaction with a preset credit investigation server, so that the processing efficiency is improved, and meanwhile, the stability and the order of the whole system are ensured.
In order to solve the technical problems, the embodiment of the application adopts the following technical scheme: a credit standing data processing method, comprising:
after receiving a credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
invoking 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 step of acquiring the credit investigation data from at least one preset credit investigation server through a preset interface;
and generating corresponding customized data according to the customized requirements from the acquired credit investigation data so as to respond to the credit investigation inquiry request.
Preferably, the acquiring credit information data corresponding to the credit information inquiry request according to the decision configuration rule specifically includes:
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 request is not found, so as to acquire the credit investigation data from a preset credit investigation server through the preset interface.
Preferably, the querying from a preset database according to the decision configuration rule includes:
inquiring the credit investigation data from the corresponding cache of the preset database according to the decision configuration rule.
Preferably, after receiving the credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and obtaining a corresponding service scene according to the analysis result includes:
performing authority verification on the credit inquiry request, and performing verification operation on the credit inquiry request when the verification result meets the requirement;
and after the credit inquiry request passes the verification, analyzing the credit inquiry request.
Preferably, after receiving the credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and obtaining a corresponding service scene according to the analysis result includes:
generating prompt information after receiving the credit inquiry request so as to prompt the customized service for the credit inquiry request;
analyzing the credit inquiry request after customized service, and generating a corresponding analysis result.
Preferably, the different preset credit investigation servers have respective interface programs, and the acquiring the credit investigation data from at least one preset credit investigation server through the preset interface includes:
and carrying out suitability operation on the credit inquiry request according to an interface program of the preset credit inquiry server so as to enable the credit inquiry request to be matched with the interface program.
Preferably, the generating the corresponding customization data according to the customization requirement by the acquired credit information data includes:
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 inquiry request and inquiry operation corresponding to the credit inquiry request.
Preferably, the method further comprises:
and storing the acquired credit information data according to an acquisition channel of the credit information data from a preset credit information server, and generating a corresponding log file.
The embodiment of the application also provides electronic equipment, which comprises:
the analysis module is configured to analyze the credit inquiry request to generate a corresponding analysis result after receiving the credit inquiry 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 request according to the decision configuration rule, wherein the processing module comprises the step of acquiring the credit investigation data 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 requirement for the acquired credit investigation data so as to respond to the credit investigation inquiry request.
The embodiment of the application also provides electronic equipment, which comprises a memory and a processor, wherein the memory stores executable programs, and the processor executes the executable programs to perform the following steps:
after receiving a credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
invoking 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 step of acquiring the credit investigation data from at least one preset credit investigation server through a preset interface;
and generating corresponding customized data according to the customized requirements from the acquired credit investigation data so as to respond to the credit investigation inquiry request.
The beneficial effects of the embodiment of the invention at least comprise: the method can formulate the query strategy according to the actual condition of the credit inquiry request, and can perform adaptive data interaction with the preset credit inquiry server, so that the processing efficiency is improved, and meanwhile, the stability and the order of the whole system are ensured.
Drawings
FIG. 1 is a flow chart of a credit investigation data processing method according to an embodiment of the present invention;
FIG. 2 is a flow chart of one embodiment of step S1 of FIG. 1 according to an embodiment of the present invention;
FIG. 3 is a flow chart of another embodiment of step S1 of FIG. 1 according to an embodiment of the present invention;
FIG. 4 is a flow chart of an embodiment of a credit data processing method according to an embodiment of the invention;
FIG. 5 is a schematic diagram of a structural relationship of an electronic device according to an embodiment of the present invention;
FIG. 6 is a structural diagram of one embodiment of an electronic device according to an embodiment of the present invention;
fig. 7 is a schematic diagram of a logic relationship of an embodiment of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present disclosure more apparent, the technical solutions of the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present disclosure. It will be apparent that the described embodiments are some, but not all, of the embodiments of the present disclosure. All other embodiments, which can be made by one of ordinary skill in the art without the need for inventive faculty, are within the scope of the present disclosure, based on the described embodiments of the present disclosure.
Unless defined otherwise, technical or scientific terms used in this disclosure should be given the ordinary meaning as understood by one of ordinary skill in the art to which this disclosure belongs. The terms "first," "second," and the like, as used in this disclosure, do not denote 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 elements or items preceding the word are included in the element or item listed after the word and equivalents thereof, but does not exclude other elements or items. The terms "connected" or "connected," and the like, are not limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect. "upper", "lower", "left", "right", etc. are used merely to indicate relative positional relationships, which may also be changed when the absolute position of the object to be described is changed.
In order to keep the following description of the embodiments of the present disclosure clear and concise, the present disclosure omits detailed description of known functions and known components.
The method for processing credit investigation data in the embodiment of the invention can be applied to electronic equipment such as a server, and the like, so that credit investigation inquiry requests sent by a client (namely a data processing service calling party or a requesting party) or other external systems can be received and inquiry results are correspondingly returned, as shown in fig. 1 and combined with fig. 6 and 7, the method comprises the following steps:
s1, after receiving the credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result. The credit inquiry request can be sent by a client, the client can be one side of various channels needing credit inquiry, such as a financial institution needs to inquire personal credit records, the credit inquiry request is sent to electronic equipment such as a server through the client, the electronic equipment can receive the credit inquiry request, the credit inquiry request can be sent by different clients and has various forms, such as batch credit inquiry requests actively input by a first client, or credit inquiry requests with unique targets sent by a second client through the Internet, and the like, so that the credit inquiry request needs to be analyzed, various specific meanings including inquiry targets represented by the credit inquiry request are judged, corresponding business scenes are obtained, and the business scenes can be sources and targets of the credit inquiry request, related information of application backgrounds of inquiry business and the like.
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 step comprises the step of acquiring the credit investigation data from at least one preset credit investigation server through a preset interface. Different business scenes have respective corresponding decision configuration rules, each business scene has respective rights, and the richness of the credit investigation data required to be returned by each business scene is also different, so that the corresponding decision configuration rules are called according to the business 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 batch sent credit inquiry requests and the single credit inquiry request are different; in another embodiment, the decision configuration rules corresponding to the credit inquiry request issued by the private finance company and the credit inquiry request issued by the public-benefit property unit are different, and so on; in yet another embodiment, the amount of information on the credit data required to be returned by the credit inquiry request determines what decision configuration rules to choose.
The preset interface may be an interface on the electronic device such as a server, which is connected with a preset credit investigation server and performs data interaction, and the preset credit investigation server may be one or more preset sides capable of providing authoritative source data, such as a banking system, a public security system, an academic authentication system, a credit card system, a civil aviation system, and the like. Thus, accurate credit investigation data can be obtained from the preset credit investigation server through a preset interface. Of course, the configuration conditions of the preset interfaces may be different according to different preset credit investigation servers, so as to ensure that the electronic equipment applying the credit investigation data processing method can be adapted to a plurality of different preset credit investigation servers.
S3, generating corresponding customized data according to the customized requirements for the acquired credit investigation data so as to respond to the credit investigation inquiry request. The user can customize the returned credit investigation data according to the self requirement, if 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 reviewed, in the implementation, the customization requirement can be set according to the situation, the acquired credit investigation data can generate corresponding customization data according to the customization requirement, and the customization data is sent to a requester, so that on the premise of ensuring the stability of a system in the electronic equipment, different requests of the user can be met, and the query efficiency is effectively improved.
In one embodiment of the present application, the acquiring credit investigation data corresponding to the credit investigation request according to the decision configuration rule specifically includes the following steps: inquiring from a preset database according to the decision configuration rule, and starting a credit investigation interface service of a preset interface when 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 server through the preset interface.
With reference to fig. 7, the preset database may be installed on or connected to an electronic device such as a server, where a large amount of authenticated valid source data may be stored, so as to provide a response to a credit inquiry request sent by a client, thereby ensuring that data does not need to be acquired from an external preset credit inquiry server and the credit inquiry request can be responded. In this embodiment, the query may be preferentially performed from the preset database according to the decision configuration rule and the corresponding credit decision service is invoked, and when the credit data corresponding to the credit query request is not found, the credit interface service provided by the preset interface is restarted, so as to obtain the credit data from the preset credit server 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 inquiry request is received), a third party API of a corresponding preset credit inquiry server is called to perform remote query service, a message remotely sent by the preset credit inquiry server is analyzed according to corresponding information, the message returned by the preset credit inquiry server is analyzed into a message required by a client sending the credit inquiry request and stored in an ES, and finally, the configured data model is assembled and returned to the client (i.e. a data processing service calling party or a requesting party). In another embodiment, a FreeMarker may be adopted to analyze the credit message returned by the preset credit server, and the credit message is stored in the ES; and then automatically packaging the credit message according to the credit definition configuration and the credit 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 application automatically convert the returned credit message into a credit report according to the credit report template configuration and send the credit report to the client.
When a batch credit inquiry request sent by a client is processed, credit batch processing is required to be carried out on the batch credit inquiry request and corresponding credit batch processing service is called, and the batch credit inquiry request sent by the client is processed according to preset batch processing logic to optimize batch running efficiency. After optimization, the task processing is divided into a plurality of different stages, so that mutual interference among each thread is avoided, and complete re-inquiry is not needed when abnormal interruption occurs, thereby providing program fault tolerance and inquiry efficiency. In the process of importing the batch credit inquiry requests, a full-quantity data updating mode is adopted, so that the processing efficiency is improved. And in the batch processing process, the consistency of the data states of the CSPDB and the APEXDC databases is ensured.
In one embodiment of the present application, the querying from the preset database according to the decision configuration rule includes the following steps: 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 faster running speed, and the data existing in the cache can be obtained more quickly, so in the embodiment, before the data is queried in the preset database, query operation can be performed on the cache corresponding to the preset database, if credit data can be obtained in the cache, other query processes are not needed, and if the credit data is not found, query operation can be performed on the preset database, so that the query efficiency is further improved.
In one embodiment of the present application, as shown in fig. 2 and in combination with fig. 4, after receiving the credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and obtaining a corresponding service scenario according to the analysis result includes the following steps:
s11, carrying out authority verification on the credit inquiry request, and carrying out verification operation on the credit inquiry request when the verification result meets the requirement;
and S12, analyzing the credit inquiry request after the credit inquiry request passes the verification.
The clients issuing credit inquiry requests have respective rights, which enables different credit inquiry requests to have respective rights. In one embodiment, the higher authority credit inquiry request may call the data of the preset credit inquiry server (such as a public security system) with higher access standard, while the lower authority credit inquiry request may call the data of the preset credit inquiry server (such as a credit card system) with lower access standard; in another embodiment, no authorized credit inquiry requests or unsatisfactory credit inquiry requests are prohibited from being accessed. And when the verification result meets the requirement, the credit inquiry request is checked, and the check operation can judge whether the credit inquiry request is correct or not, such as whether the integrity of data or the format requirement and the like meet the requirement or not. The client may be required to resend the credit inquiry request when not compliant, or to send the verification result to the client so that it modifies the credit inquiry request according to the verification result and resends it. If the credit inquiry request passes the verification, then the credit inquiry request is analyzed, for example, the message of the credit inquiry request is analyzed, and then the operations such as the business scenario corresponding to the credit inquiry request are judged.
In another embodiment, when the credit inquiry request has inquiry authority and is verified to meet the requirement, checking operation is performed on the credit inquiry request, checking operation can be performed by inputting checking parameters into the electronic equipment, further checking operation is completed by analyzing the checking result, and analysis is performed on the credit inquiry request only after the credit inquiry request passes the checking; and if the credit inquiry request cannot pass the verification, generating verification prompt information, and sending the verification prompt information to the client so that the client can resend or give up sending the credit inquiry request.
In one embodiment of the present application, as shown in fig. 3 and in combination with fig. 4, after receiving the credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and obtaining a corresponding service scenario according to the analysis result includes the following steps:
s13, generating prompt information after receiving the credit inquiry request so as to prompt the customized service for the credit inquiry request;
s14, analyzing the credit inquiry request after the customized service, and generating a corresponding analysis result.
Specifically, the generated prompt information can prompt or guide the requester to set customized service meeting the requirements of the requester, such as what degree of credit investigation data of a credit investigation target object needs to be returned, such as only identity card information needs to be inquired, or financial information related to the identity card information needs to be inquired while the identity card information is inquired, and the like. The corresponding customized service may be provided according to the user's customized requirements in order to meet the user's various needs.
In an embodiment of the present application, different preset credit service ends have respective interface programs, and the acquiring credit data from at least one preset credit service end through the preset interface includes the following steps: and carrying out adaptive operation on the credit inquiry request according to an interface program of a preset credit inquiry server so as to enable the credit inquiry request to be adaptive to the interface program.
Specifically, different preset credit investigation service ends have respective interface programs, for example, a public security system has a first interface program, a banking system has a second interface program, and the like, in this embodiment, the credit investigation request is subjected to adaptive operation, for example, a standard transmission format, and an encrypted transmission or an unbreakable identifier must be supplemented with complete operations when the encrypted transmission is required, so that the credit investigation request subjected to the adaptive operation can be adapted to one or more preset credit investigation service ends currently used, thereby obtaining accurate credit investigation data from the preset credit investigation service ends, and ensuring that the data cannot be wrong after passing through the preset interface.
In one embodiment of the present application, in conjunction with fig. 4, the step of generating the corresponding customization data according to the customization requirement from the acquired credit information 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 custom data.
Specifically, the combined message can form complete customized data meeting the requirements of users. In addition, in one embodiment, before the custom data is returned, filtering operation can be performed on the credit data according to the authority, that is, the credit data is filtered according to the role authority of the requester, and then the custom data is returned. The custom data may also be converted into a message format, and the format of the custom data may be returned according to the report type in the custom requirements, such as the xml and json format custom data returned to the query requester.
In one embodiment of the present application, the method further comprises: and recording and storing the received credit inquiry request and the inquiry operation corresponding to the credit inquiry request. Recording and storing such data may provide assistance for subsequent operations, e.g., an administrator may invoke a query record and then, for example, store specific data (e.g., specific personnel's credit data) to quickly respond to the same credit query request, or provide basis for subsequent system upgrades and maintenance, e.g., to adjust programming in time based on the generated report record, so that the data processing method described above is more complete.
In one embodiment of the present application, the method further comprises: and storing the acquired credit information data according to an acquisition channel of the credit information data from a preset credit information server, and generating a corresponding log file. Specifically, credit data is written into the ES, the related data of the channels is stored according to different channels, including latest credit data and snapshot information, the credit data and related channel credit data can be indexed by year (index), search engine can be adopted for inquiring, audit can be carried out on the credit data, and generated log information can be stored by month index. Relational databases, such as MYSQL databases with user information and powerful configuration, may be used when storing credit data. The embodiment of the application also provides an electronic device, as shown in fig. 5 and combined with fig. 6 and fig. 7, including:
and the analysis module is configured to analyze the credit inquiry request to generate a corresponding analysis result after receiving the credit inquiry request, and acquire a corresponding service scene according to the analysis result. The credit inquiry request can be sent by a client, the client can be one side of various channels needing credit inquiry, such as a financial institution needs to inquire personal credit records, the credit inquiry request is sent to electronic equipment such as a server through the client, the electronic equipment can receive the credit inquiry request, the credit inquiry request can be sent by different clients and has various forms, such as batch credit inquiry requests actively input by a first client, or credit inquiry requests with unique targets sent by a second client through the Internet, and the like, so that an analysis module is needed to analyze the credit inquiry request, judge various specific meanings including inquiry targets, which are characterized by the credit inquiry request, and obtain corresponding business scenes, wherein the business scenes can be sources and targets of the credit inquiry request, related information of application backgrounds of inquiry business, and the like.
The processing module is configured to call corresponding decision configuration rules according to the service scene, and acquire credit investigation data corresponding to the credit investigation request according to the decision configuration rules, wherein the processing module comprises the step of acquiring the credit investigation data from at least one preset credit investigation server through a preset interface. Different business scenes have respective corresponding decision configuration rules, each business scene has respective rights, and the richness of the credit investigation data required to be returned by each business scene is also different, so that the processing module calls the corresponding decision configuration rules and invokes the corresponding credit investigation decision service according to the business scenes so as to meet various different requirements. For example, in one embodiment, the decision configuration rules corresponding to the batch sent credit inquiry requests and the single credit inquiry request are different; in another embodiment, the decision configuration rules corresponding to the credit inquiry request issued by the private finance company and the credit inquiry request issued by the public-benefit property unit are different, and so on; in yet another embodiment, the amount of information on the credit data required to be returned by the credit inquiry request determines what decision configuration rules the processing module selects.
The preset interface may be an interface on the electronic device such as a server, which is connected with a preset credit investigation server and performs data interaction, and the preset credit investigation server may be one or more preset sides capable of providing authoritative source data, such as a banking system, a public security system, an academic authentication 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 server through the preset interface. Of course, the configuration conditions of the preset interfaces may be different according to different preset credit investigation servers, so as to ensure that the electronic equipment applying the credit investigation data processing method can be adapted to a plurality of different preset credit investigation servers.
And the customization module is configured to generate corresponding customization data according to the customization requirement for the acquired credit investigation data so as to respond to the credit investigation inquiry request. The user can customize the returned credit information according to the self requirement, if the user only needs to quickly return specific information with extremely small data quantity, or the user needs to feed back rich credit information, so that the target object can be comprehensively reviewed, in the implementation, the customization requirement can be set according to the situation, so that the customization module generates corresponding customization data according to the customization requirement on the acquired credit information, and sends the customization data to the requesting party, and on the premise of ensuring the stability of a system in the electronic equipment, different requests of the user can be met, and the query efficiency is effectively improved.
In one embodiment of the application, the electronic device may be a web cluster, is high in availability, supports lateral expansion, changes an original internal communication protocol in the web cluster from RMI to http, and further adopts intelligent DNS to realize load balancing and adopts a plurality of web service clusters for deployment.
In one embodiment of the present application, in conjunction with fig. 4 and 7, the processing module is further configured to: inquiring from a preset database according to the decision configuration rule, and starting a credit investigation interface service of a preset interface when 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 server through the preset interface.
The preset database can be installed on or connected with the electronic equipment such as the server, and can store a large amount of authenticated effective source data, and can provide a response for the credit inquiry request sent by the client, so that the data can be ensured not to be acquired from an external preset credit inquiry server and the credit inquiry request can be responded. In this embodiment, the processing module may query from the preset database preferentially according to the decision configuration rule and call the corresponding credit decision service, and when credit data corresponding to the credit query request is not found, restart the credit interface service provided by the preset interface, so as to obtain the credit data from the preset credit server 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 inquiry request is received), the processing module invokes a third party API of a corresponding preset credit inquiry server to perform remote query service, parses a message remotely sent by the preset credit inquiry server according to corresponding information, parses a message returned by the preset credit inquiry server into a message required by a client sending the credit inquiry 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 a requester). In another embodiment, a FreeMarker may be adopted to analyze the credit message returned by the preset credit server, and the credit message is stored in the ES; and then automatically packaging the credit message according to the credit definition configuration and the credit 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 application automatically convert the returned credit message into a credit report according to the credit report template configuration and send the credit report to the client.
In one embodiment, when processing a batch credit inquiry request sent by a client, a processor needs to perform credit batch processing on the batch credit inquiry request and call a corresponding credit batch processing service. After optimization, the task processing is divided into a plurality of different stages, so that mutual interference among each thread is avoided, and complete re-inquiry is not needed when abnormal interruption occurs, thereby providing program fault tolerance and inquiry efficiency. In the process of importing the batch credit inquiry requests, a full-quantity data updating mode is adopted, so that the processing efficiency is improved. And in the batch processing process, the consistency of the data states of the CSPDB and the APEXDC databases is ensured.
In one embodiment of the present application, in conjunction with fig. 4, the processing module is further configured to: 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 faster running speed, and can acquire the data existing in the cache more quickly, so 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 the credit investigation data can be acquired in the cache, other query processes are not needed, and if the credit investigation data is not found, the processing module can perform query operation on the preset database, so that the query efficiency is further improved.
In one embodiment of the present application, in conjunction with fig. 4 and 6, the parsing module is further configured to: performing authority verification on the credit inquiry request, and performing verification operation on the credit inquiry request when the verification result meets the requirement; and after the credit inquiry request passes the verification, analyzing the credit inquiry request.
The clients issuing credit inquiry requests have respective rights, which enables different credit inquiry requests to have respective rights. In one embodiment, the higher authority credit inquiry request may call the data of the preset credit inquiry server (such as a public security system) with higher access standard, while the lower authority credit inquiry request may call the data of the preset credit inquiry server (such as a credit card system) with lower access standard; in another embodiment, no authorized credit inquiry requests or unsatisfactory credit inquiry requests are prohibited from being accessed. And the analysis module performs verification operation on the credit inquiry request when the verification result meets the requirement, and the verification operation can judge whether the credit inquiry request is correct or not, such as whether the integrity of data or the format requirement and the like meet the regulation or not. When the analysis module is not in accordance with the regulation, the client can be required to resend the credit inquiry request or send the verification result to the client so that the client can modify the credit inquiry request according to the verification result and resend the credit inquiry request. If the credit inquiry request passes the verification, the analysis module analyzes the credit inquiry request, such as analyzing the message of the credit inquiry request, and further judging the operation of the business scene corresponding to the credit inquiry request.
In another embodiment, when the credit inquiry request has inquiry authority, and after the analysis module verifies that the credit inquiry request meets the requirements, the verification operation is performed on the credit inquiry request, the verification operation can be performed by inputting verification parameters into the electronic equipment, and further the verification result is analyzed to complete the verification operation, and only after the credit inquiry request passes the verification, the credit inquiry request is analyzed; and if the credit inquiry 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 resend or give up sending the credit inquiry request.
In one embodiment of the present application, the customization module is further configured to: generating prompt information after receiving a credit inquiry request so as to prompt customized service for the credit inquiry request; analyzing the credit inquiry 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 customization service meeting the requirements of the requester, such as what degree of credit information of a credit target object needs to be returned, such as only the identity card information needs to be queried or the financial information related to the identity card information needs to be queried while the identity card information is queried, and the like, so that the corresponding customization service can be provided according to the customization requirements of the user, and various requirements of the user can be met.
In an embodiment of the present application, different preset credit investigation servers have respective interface programs, and the processing module is further configured to: and carrying out adaptive operation on the credit inquiry request according to an interface program of a preset credit inquiry server so as to enable the credit inquiry request to be adaptive to the interface program.
Specifically, different preset credit investigation service ends have respective interface programs, for example, a public security system has a first interface program, a banking system has a second interface program, and the like, in this embodiment, the processing module performs suitability operation on the credit investigation request, for example, a standard transmission format, and performs operations such as encryption transmission or non-defaulting identification must supplement complete operation when encryption transmission is required, so that the credit investigation request which performs suitability operation can be adapted to one or more preset credit investigation service ends which are currently used, thereby obtaining accurate credit investigation data from the preset credit investigation service ends, and ensuring that the data cannot be wrong after passing 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 custom data.
Specifically, the combined message can form complete customized data meeting the requirements of users. In addition, in one embodiment, before the customization data is returned, the customization module may also perform filtering operation on the credit data according to the authority, that is, the credit data is filtered according to the authority of the role of the requester, and then the customization data is returned. The customization module may 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 inquiry request and the inquiry operation corresponding to the credit inquiry request. Recording and storing the data by the recording module can provide assistance for subsequent operations, for example, an administrator can call a query record and then store specific data (such as credit data of specific personnel) so as to quickly respond to the same credit query request, or provide basis for subsequent system upgrading and maintenance, for example, timely adjusting programming according to the generated error record, so that the data processing method is more perfect.
In one embodiment of the present application, the electronic device further includes a storage module configured to: and storing the acquired credit information data according to an acquisition channel of the credit information data from a preset credit information server, and generating a corresponding log file. Specifically, credit data is written into the ES, the related data of the channels is stored according to different channels, including latest credit data and snapshot information, the credit data and related channel credit data can be indexed by year (index), search engine can be adopted for inquiring, audit can be carried out on the credit data, and generated log information can be stored by month index. Relational databases, such as MYSQL databases with user information and powerful configuration, may be used when storing credit data.
The embodiment of the application also provides electronic equipment, which comprises a memory and a processor, wherein the memory stores executable programs, and the processor executes the executable programs to perform the following steps:
after receiving a credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
invoking 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 step of acquiring the credit investigation data from at least one preset credit investigation server through a preset interface;
and generating corresponding customized data according to the customized requirements from the acquired credit investigation data so as to respond to the credit investigation inquiry request.
The above embodiments are only exemplary embodiments of the present invention and are not intended to limit the present invention, the scope of which is defined by the claims. Various modifications and equivalent arrangements of this invention will occur to those skilled in the art, and are intended to be within the spirit and scope of the invention.
Claims (5)
1. A credit data processing method, comprising:
after receiving a credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result;
invoking 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 step of acquiring the credit investigation data from at least one preset credit investigation server through a preset interface;
generating corresponding customized data according to the customized requirements from the acquired credit investigation data so as to respond to the credit investigation inquiry request;
combining the received messages of the credit investigation data to combine the messages into customized data;
the acquiring the credit investigation data corresponding to the credit investigation request according to the decision configuration rule specifically comprises:
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 request is not found, so as to acquire the credit investigation data from a preset credit investigation server through the preset interface;
the inquiring from a preset database according to the decision configuration rule comprises the following steps:
inquiring the credit investigation data from a cache corresponding to the preset database according to the decision configuration rule;
after receiving the credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result comprises the following steps:
performing authority verification on the credit inquiry request, and performing verification operation on the credit inquiry request when the verification result meets the requirement;
after the credit inquiry request passes the verification, analyzing the credit inquiry request;
after receiving the credit inquiry request, analyzing the credit inquiry request to generate a corresponding analysis result, and acquiring a corresponding service scene according to the analysis result comprises the following steps:
generating prompt information after receiving the credit inquiry request so as to prompt the customized service for the credit inquiry request;
analyzing the credit inquiry request after customized service, and generating a corresponding analysis result;
different preset credit investigation service ends are provided with respective interface programs, and the step of acquiring the credit investigation data from at least one preset credit investigation service end through a preset interface comprises the following steps:
and carrying out suitability operation on the credit inquiry request according to an interface program of the preset credit inquiry server so as to enable the credit inquiry request to be matched with the interface program.
2. The method of claim 1, wherein generating the acquired credit 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.
3. The method according to claim 1, wherein the method further comprises:
and recording and storing the received credit inquiry request and inquiry operation corresponding to the credit inquiry request.
4. The method according to claim 1, wherein the method further comprises:
and storing the acquired credit information data according to an acquisition channel of the credit information data from a preset credit information server, and generating a corresponding log file.
5. An electronic device, comprising:
the analysis module is configured to analyze the credit inquiry request to generate a corresponding analysis result after receiving the credit inquiry 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 request according to the decision configuration rule, wherein the processing module comprises the step of acquiring the credit investigation data 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 requirement for the acquired credit investigation data so as to respond to the credit investigation inquiry request.
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| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
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