CN110796532A - Credit risk processing method, terminal equipment, server and system - Google Patents
Credit risk processing method, terminal equipment, server and system Download PDFInfo
- Publication number
- CN110796532A CN110796532A CN201810870680.0A CN201810870680A CN110796532A CN 110796532 A CN110796532 A CN 110796532A CN 201810870680 A CN201810870680 A CN 201810870680A CN 110796532 A CN110796532 A CN 110796532A
- Authority
- CN
- China
- Prior art keywords
- credit
- credit risk
- interface
- database
- query
- 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
Images
Classifications
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
Abstract
The invention provides a credit risk processing method, terminal equipment, a server and a credit risk processing system. The method comprises the following steps: receiving a credit information query request generated based on a credit application order number; sending a query request based on the credit information to a first database interface of a server through a first query interface; receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface; and receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by a second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by a third database interface of the server through a third query interface. The embodiment of the invention shortens the time length of knowledge graph request visualization in credit risk management and improves the usability and flexibility of the knowledge graph.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a credit risk processing method, terminal equipment, a server and a system.
Background
As the economy develops and consumption upgrades, more and more people use credit for consumption. Managing credit risk becomes an increasingly important technology for platforms that provide credit services. Knowledge-maps are introduced into credit risk management because they can efficiently and intuitively depict the network of associations between lending entities. Although the knowledge graph in the existing credit risk management can display tens of millions or even hundreds of millions of data, the visualization time of the knowledge graph is long, and the knowledge graph is lack of usability and flexibility and is not beneficial to the observation of credit auditors.
Disclosure of Invention
The invention relates to a credit risk processing method, terminal equipment, a server and a system, and aims to solve the problems that the visualization time of a knowledge map request knowledge map in credit risk management is long, the usability and the flexibility are lacked, and the observation of credit auditors is not facilitated.
In order to solve the technical problem, the invention is realized as follows:
in a first aspect, an embodiment of the present invention provides a credit risk processing method, applied to a terminal device, including:
receiving a credit information query request generated based on a credit application order number;
sending a query request based on the credit information to a first database interface of a server through a first query interface;
receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface, wherein the first credit risk knowledge graph is a credit risk knowledge graph obtained by querying the database through the first database interface;
and receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by a second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by a third database interface of the server through a third query interface.
In a second aspect, an embodiment of the present invention further provides a credit risk processing method, applied to a server, including:
receiving a credit information query request sent by a first query interface of terminal equipment through a first database interface;
inquiring a database through the first database interface to obtain a first credit risk knowledge graph, and sending the first credit risk knowledge graph to a first inquiry interface of the terminal equipment;
inquiring credit risk information corresponding to the nodes in the first credit risk knowledge graph through a second database interface, sending the credit risk information corresponding to the nodes in the first credit risk knowledge graph to a second inquiry interface of the terminal equipment, and/or inquiring the credit risk information corresponding to the nodes in the first credit risk knowledge graph through a third database interface, and sending credit abnormal information corresponding to the nodes in the first credit risk knowledge graph to a third inquiry interface of the terminal equipment.
In a third aspect, an embodiment of the present invention further provides a terminal device, including:
the credit inquiry system comprises a first receiving module, a first processing module and a second receiving module, wherein the first receiving module is used for receiving a credit information inquiry request generated based on a credit application form number;
the first sending module is used for sending a credit information query request based on the credit information to a first database interface of a server through a first query interface;
the first query module is used for receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface, wherein the first credit risk knowledge graph is obtained by querying the graph database through the first database interface;
and the second query module is used for receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by the second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by the third database interface of the server through a third query interface.
In a fourth aspect, an embodiment of the present invention further provides a server, including:
the second receiving module is used for receiving a credit information query request sent by a first query interface of the terminal equipment through the first database interface;
the second sending module is used for inquiring a database through the first database interface to obtain a first credit risk knowledge graph and sending the first credit risk knowledge graph to a first inquiry interface of the terminal equipment;
and the third sending module is used for inquiring the credit risk information corresponding to the node in the first credit risk knowledge graph through a second database interface, sending the credit risk information corresponding to the node in the first credit risk knowledge graph to a second inquiry interface of the terminal equipment, and/or inquiring the credit risk information corresponding to the node in the first credit risk knowledge graph through a third database interface, and sending the credit abnormality information corresponding to the node in the first credit risk knowledge graph to a third inquiry interface of the terminal equipment.
In a fifth aspect, an embodiment of the present invention further provides a terminal device, including: a memory, a processor and a computer program stored on the memory and running on the processor, the processor implementing the steps in the credit risk processing method provided by the first aspect when executing the computer program.
In a sixth aspect, an embodiment of the present invention further provides a server, including: a memory, a processor and a computer program stored on the memory and running on the processor, the processor implementing the steps in the credit risk processing method provided by the second aspect when executing the computer program.
In a seventh aspect, the embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps in the credit risk processing method provided in the first aspect or implements the steps in the credit risk processing method provided in the second aspect.
In an eighth aspect, an embodiment of the present invention further provides a credit risk processing system, including the terminal device provided in the third aspect and the server provided in the fourth aspect; or the terminal device provided by the fifth aspect and the server provided by the sixth aspect.
The method comprises the steps of receiving a credit information inquiry request generated based on a credit application form number; sending a query request based on the credit information to a first database interface of a server through a first query interface; receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface, wherein the first credit risk knowledge graph is a credit risk knowledge graph obtained by querying the database through the first database interface; and receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by a second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by a third database interface of the server through a third query interface. Because the data in the credit risk management are respectively subjected to the query requests through different query interfaces, the time length of knowledge map request visualization in the credit risk management is shortened, the usability and flexibility of the knowledge map are improved, and the observation of credit auditors is facilitated.
Drawings
FIG. 1 is a flow chart of a credit risk processing method according to an embodiment of the invention;
FIG. 2 is a flow chart of another credit risk processing method according to an embodiment of the invention;
FIG. 3 illustrates a knowledge graph display interface provided by an embodiment of the invention;
FIG. 4 illustrates another example knowledge-graph display interface provided by embodiments of the present invention;
FIG. 5 is a flow chart of another credit risk processing method provided by an embodiment of the invention;
FIG. 6 is a flow chart of another credit risk processing method provided by an embodiment of the invention;
fig. 7 is a structural diagram of a terminal device according to an embodiment of the present invention;
fig. 8 is a block diagram of another terminal device according to an embodiment of the present invention;
fig. 9 is a block diagram of another terminal device according to an embodiment of the present invention;
fig. 10 is a diagram showing a structure of a server according to an embodiment of the present invention;
fig. 11 is a block diagram of another terminal device according to an embodiment of the present invention;
fig. 12 is a block diagram of another server according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, fig. 1 is a flowchart of a credit risk processing method according to an embodiment of the present invention, applied to a terminal device, as shown in fig. 1, including the following steps:
Wherein the credit information query request is generated based on a credit application order number entered by a user, such as a credit auditor, in a credit approval system, as shown in fig. 2.
And 102, sending the credit information query request to a first database interface of a server through a first query interface.
Alternatively, the credit information query request may be sent to a corresponding database interface of the server, e.g., the first database interface, through a unified query interface, e.g., the first query interface. The credit information query request may also be sent to a different database interface of the server through a different query interface. The embodiment of the present invention is not particularly limited thereto.
103, receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface, wherein the first credit risk knowledge graph is obtained by querying the graph database through the first database interface.
Wherein the first credit risk knowledge-graph may be generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledge-graph are generated based on the credit application order numbers, and connection relationships between the nodes of the first credit risk knowledge-graph are generated based on the relationship information between the credit application order numbers.
Specifically, as shown in fig. 3, the node in fig. 3 is the credit application order number, wherein the node located at the bottom left and the largest direction in the credit risk knowledge graph is the center node, i.e., the node with the credit application order number of 2005101010101. The credit risk knowledge graph of the first-layer middle-number node comprising the central node and the periphery of the central node is a first-degree graph, and credit application orders corresponding to the middle-number node are 2005101010102, 2005101010103, 2005101010199, 2005101010106 and 2005101010107 in sequence. By analogy, the credit risk knowledge graph of the second layer of the middle node comprising the central node and the periphery of the central node is a second-degree graph, and the third layer of the middle node comprising the central node and the periphery of the central node is a third-degree graph.
Edges between nodes are generated based on relationship data between different credit application order numbers, which may include applicant phone numbers, family contact phone numbers, other contact phone numbers, address book contact phone numbers, universally unique identifier UUID, blacklist, identification number, and the like. The edges of the knowledge graph display different relationship names according to different defined relationships, and different fields such as 'family contacts, other contacts' and the like can be displayed. The small number node between the central node and the first-degree map is a relation node, and the relation node can be a telephone number, an identity card number and the like. Because there are different relationships, the relationship nodes can be distinguished in different colors to facilitate map viewing. The knowledge-graph query request may be a credit order application number. And inquiring the map database through a first inquiry interface according to the credit information inquiry request and outputting a first credit risk knowledge map. The above examples are merely illustrative, and the embodiments of the present invention are not limited thereto.
Optionally, the credit information query request is a request generated after a predetermined operation on a first node of a second credit risk knowledge-graph is detected, and a hierarchy of the first credit risk knowledge-graph is one level higher than a hierarchy of the second credit risk knowledge-graph.
Specifically, the credit information query request is a request generated after a predetermined operation on the first node of the second credit risk knowledge-graph is detected, and the request may be an operation on a node in a currently displayed graph. The predetermined operation may be a single click, a double click, or the like. For example, if the first-degree graph is currently displayed, and the query request is made by manually clicking the corresponding node in the current first-degree graph, the graph database can output the relationship node of the corresponding node. And manually clicking the relationship node again, and outputting a two-degree map corresponding to the relationship node by the map database. Or the first-degree map can be displayed currently, and the corresponding node in the current first-degree map is clicked manually to carry out an inquiry request, so that the map database can directly output the second-degree map of the corresponding node. And currently displaying the second-degree map, manually clicking a corresponding node in the current second-degree map to carry out a query request, and outputting a third-degree map by the map database. The above description is merely exemplary in nature and is not intended to limit the present disclosure.
According to the embodiment of the invention, the credit risk knowledge graph is output in stages, and credit auditors can query the credit risk knowledge graph stage by stage according to requirements, so that the flexibility and the effectiveness of the credit risk knowledge graph are effectively improved. Meanwhile, the time for requesting visualization of the credit risk knowledge graph is not wasted, and the query efficiency is improved.
And 104, receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by the second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by the third database interface of the server through a third query interface.
Wherein the second query interface is different from the third query interface. Specifically, as shown in fig. 2, the credit risk information may be queried through an interface C, and the credit abnormality information may be queried through an interface D.
The server has a database interface corresponding to the terminal device. As shown in fig. 2, a second database interface and a third database interface corresponding to the interface C, D of the terminal device exist in the server, and are used for receiving the query request sent by the query interface.
The credit risk information may include at least one item of credit risk attribute data such as an overdue indicator, an anti-fraud score, a repayment situation, a personal credit score, and the like. The above examples are merely illustrative, and the embodiments of the present invention are not limited thereto.
The credit exception information may be exception data corresponding to an anti-fraud rule formulated according to information in the credit application form number, for example, the credit exception information may also be that an application device, a contact mobile phone number, a unit phone, a unit address, and the like associated with a current loan application order number through an identity card number are greater than a certain threshold, and the credit exception information may also be the number of times that a business person of a credit platform cancels an order for an applicant of a current credit application order within a recent period of time, and the like. The above examples are merely illustrative, and the embodiments of the present invention are not limited thereto.
It should be noted that the credit risk information and/or the credit abnormality information may be stored in a map database, or may be stored in another database, which is not limited in the embodiment of the present invention.
Optionally, the receiving and outputting the credit risk information corresponding to the node in the first credit risk knowledge base map returned by the second database interface of the server through the second query interface includes:
and receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by the second database interface query node database of the server through a second query interface.
Optionally, the receiving and outputting, through a third query interface, the credit abnormality information corresponding to the node in the first credit risk knowledge base returned by the third database interface of the server includes:
and receiving and outputting the credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by the third database interface query node database of the server through a third query interface.
Wherein the node information database may store any information not contained in the graph database. In consideration of the credit application environment, the node information database in the embodiment of the invention is used for storing risk-related information, thereby facilitating quick inquiry of loan risks of credit applicants.
It should be noted that the credit risk information and the credit abnormality information may be from the same node database or may be from different node databases, and this is not specifically limited in the embodiment of the present invention.
The prior art should provide as complete information as possible for loan risk control using a database, which results in a slow knowledge-graph request for a knowledge-graph in credit risk management. In the specific implementation of the invention, the idea that the data is from one database is broken through, the data can not be divided into different databases, the requirement of complete data is met, the speed of knowledge map request in the credit risk management is increased, and the time length of visualization of the knowledge map request in the credit risk management is shortened.
The credit risk prompt is to facilitate a credit auditor to quickly find a risk point, the risks are various, and in order to improve the accuracy of the prompt and fully utilize all data, in the specific embodiment of the invention, in addition to the prompt of the credit risk information and/or the credit abnormal information based on the information in the node information database, the prompt of the credit risk can also be related information in a calculation map database, and a corresponding credit risk prompt is output, so that a risk prompt mechanism is perfected.
Therefore, the specific embodiment of the present invention may further include:
inquiring a graph database, and acquiring node information used for prompting credit risk information and/or credit abnormal information; and performing credit risk information and/or credit exception information prompt processing on the first knowledge graph by using the node information.
That is, in the embodiment of the present invention, the credit risk information and/or the credit abnormality information may be presented based on the data in the map database. As shown in fig. 4, when there is credit abnormality information in the currently displayed knowledge-graph, the graph database may be queried, and the corresponding credit abnormality information is displayed in the credit abnormality information prompt box: the number of the order equipment associated with the current order through the identity card is more than 3, so that the credit auditor is prompted for abnormal information.
In a specific embodiment of the present invention, outputting the credit risk information corresponding to the node in the first credit risk knowledge base and/or outputting the credit abnormality information corresponding to the node in the first credit risk knowledge base is to facilitate a credit auditor to quickly find a risk point and to promote credit approval aging, so that outputting the credit risk information and/or the credit abnormality information may be implemented in various ways, which are respectively described as follows:
in a first mode
The output credit risk information and/or credit abnormality information may be direct display text information.
For example, for a certain node in the knowledge graph, if the node information database records the overdue information of the credit order applicant corresponding to the node, text information can be displayed to the credit auditor for prompting. Such as the text shown in figure 4 displayed in a prompt box above the node of credit order application form number 2005101010107.
Mode two
The output credit risk information and/or credit abnormality information may also be an indirect display. For example, if a blacklist is queried, the corresponding relationship node is marked as black, so that a credit auditor is prompted when observing the knowledge graph. And if other types of prompts can be adopted, the relationship nodes can be flashed with red lights, highlighted and the like.
The output credit risk information and/or the credit abnormality information may be the output credit risk information, may also be the output credit abnormality information, and may also be the output credit risk information and the credit abnormality information, which is not specifically limited in this embodiment of the present invention.
The reason why the credit risk prompt processing is carried out by outputting the credit risk information and/or the credit abnormal information is to facilitate the credit auditor to quickly find the risk points, so that all credit risk display modes and means can be used in the embodiment of the invention, for example, all risk factors can be displayed for a long time. However, considering the number of nodes of the graph and the limitation of the display screen area, the specific embodiment of the present invention may select to display the node information for a predetermined time length.
Optionally, after receiving and outputting the credit risk information corresponding to the node in the first credit risk knowledge graph returned by the second database interface of the server through the second query interface, the method further includes:
displaying the credit risk information for a first predetermined length of time; and/or
After the receiving and outputting the credit abnormality information corresponding to the node in the first credit risk knowledge graph returned by the third database interface of the server through the third query interface, the method further includes:
displaying the credit exception information for a second predetermined length of time.
Specifically, the first predetermined time length and the second predetermined time length may be the same or different, and this is not specifically limited in the embodiment of the present invention. In addition, the first predetermined time length and/or the second predetermined time length may be 10 seconds, 20 seconds, or may be set according to an actual observation requirement of a credit auditor, which is not specifically limited in this embodiment of the present invention.
And displaying the credit risk information and/or the credit abnormal information within a preset time length, and hiding the credit risk information and/or the credit abnormal information outside the preset time length, so that the sight of a credit auditor is not blocked, and the credit auditor can conveniently observe the knowledge graph.
The method comprises the steps of receiving a credit information inquiry request generated based on a credit application form number; inquiring a map database through a first inquiry interface according to the credit information inquiry request and outputting a first credit risk knowledge map; inquiring and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph through a second inquiry interface, and/or inquiring and outputting credit abnormal information corresponding to the nodes in the first credit risk knowledge graph through a third inquiry interface. Because the data in the credit risk management are subjected to parallel query requests through different query interfaces, the time length of knowledge graph request visualization in the credit risk management is shortened, the usability and flexibility of the knowledge graph are improved, and the observation of credit auditors is facilitated.
Optionally, the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
the receiving a credit information query request generated based on a credit application order number includes:
receiving a credit information query request generated based on a credit application form number through a target query interface;
the sending, to a first database interface of a server through a first query interface, a query request based on the credit information includes:
sending a credit information query request generated based on a credit application form number to a target database interface of the server through a target query interface;
the receiving and outputting the first credit risk knowledge-graph returned by the first database interface comprises:
receiving and outputting a first credit risk knowledge graph returned by a target database interface of the server, wherein the hierarchy of the first credit risk knowledge graph is the hierarchy corresponding to the target database interface.
Specifically, as shown in fig. 2, the first query interface includes at least two query interfaces A, B, where query interface a corresponds to a first-degree graph and query interface B corresponds to a higher-level graph. The credit auditor can input the query request through the credit approval system, and the target query interface A or B receives the query request according to the specific information of the query request.
And after the corresponding database interface of the database receives the query request, querying a knowledge graph corresponding to the query request in the database, and outputting the knowledge graph of the corresponding hierarchy of the database interface. For example, the query request input by the user is a request of a one-degree map, and as shown in fig. 2, after the first database interface of the graph database receives the query request, the first database interface performs real-time calculation and sends the one-degree map to the query interface a. If the query request input by the user is a request for a second-degree map, as shown in fig. 2, after receiving the query request, the second database interface of the map database performs real-time calculation, and sends the second-degree map to the query interface B. The above description is merely exemplary in nature and is not intended to limit the present disclosure.
According to the embodiment of the invention, the knowledge graph of the graph database is subjected to hierarchical processing, so that credit auditors can inquire the first-degree graph or the second-degree and third-degree graphs according to requirements, single-stage inquiry pressure is released, the failure of the whole graph caused by the problem of a single inquiry interface is avoided, and the later-stage knowledge graph maintenance and expandability are facilitated. Meanwhile, the time for knowledge graph request visualization is not wasted, and the query efficiency is improved.
Referring to fig. 5, fig. 5 is a flowchart of another credit risk processing method according to an embodiment of the present invention, as shown in fig. 5, including the following steps:
Step 201 in this embodiment is the same as step 101 in the first embodiment of the present invention, and is not described herein again.
Step 202 in this embodiment is the same as step 102 in the first embodiment of the present invention, and is not described herein again.
Step 203 in this embodiment is the same as step 103 in the first embodiment of the present invention, and is not described herein again.
And 204, receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by the second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by the third database interface of the server through a third query interface.
Step 204 in this embodiment is the same as step 104 in the first embodiment of the present invention, and is not described herein again.
Specifically, a rule filtering display area may be provided in the display interface of the knowledge graph shown in fig. 3 and 4. The credit auditor can perform node screening through the rule screening control. The rule filtering controls may include blacklists, overdues, rejections, etc. Credit auditors may perform blacklist screening through blacklist controls.
And step 206, deleting the nodes which do not meet the node screening conditions from the first credit risk knowledge graph, and reserving the nodes which meet the node screening conditions.
As shown in step 205, when the credit auditor performs blacklist screening through the blacklist control, nodes not belonging to the blacklist are deleted from the current knowledge-graph, and at this time, the current knowledge-graph only displays the nodes of the blacklist.
It should be noted that the above blacklist screening is only an exemplary illustration, and the credit auditor may also perform screening through overdue and reject controls, which is not specifically limited in the embodiment of the present invention.
According to the method and the device, node screening is carried out through the node screening conditions, the nodes which do not meet the node screening conditions are deleted from the first knowledge graph, and the nodes which meet the node screening conditions are reserved, so that credit auditing can be rapidly screened and positioned according to requirements, corresponding target nodes (such as blacklist nodes) can be located, and credit auditing efficiency is improved.
Referring to fig. 6, fig. 6 is a flowchart of a credit risk processing method according to an embodiment of the present invention, applied to a server, as shown in fig. 6, including the following steps:
Optionally, the credit information query request sent by the query interface of the terminal device may be received through a unified database interface. The credit information inquiry requests sent by different inquiry interfaces of the terminal equipment can be received through different database interfaces. The embodiment of the present invention is not particularly limited thereto.
specifically, a map database is inquired through a first database interface, and the map database is calculated according to a credit information inquiry request of the first database interface to obtain a first credit risk knowledge map. A database sends the first credit risk knowledge-graph to a first query interface of the terminal device through the first database interface.
Optionally, the first credit risk knowledge-graph is generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledge-graph are generated based on the credit application order numbers, and connection relationships between the nodes of the first credit risk knowledge-graph are generated based on the relationship information between the credit application order numbers.
In the embodiment of the invention, a credit information query request sent by a first query interface of terminal equipment is received through a first database interface; inquiring a database through the first database interface to obtain a first credit risk knowledge graph, and sending the first credit risk knowledge graph to a first inquiry interface of the terminal equipment; inquiring credit risk information corresponding to the nodes in the first credit risk knowledge graph through a second database interface, sending the credit risk information corresponding to the nodes in the first credit risk knowledge graph to a second inquiry interface of the terminal equipment, and/or inquiring the credit risk information corresponding to the nodes in the first credit risk knowledge graph through a third database interface, and sending credit abnormal information corresponding to the nodes in the first credit risk knowledge graph to a third inquiry interface of the terminal equipment. Because the data in the credit risk management are respectively subjected to query requests through different database interfaces, the time length of knowledge map request visualization in the credit risk management is shortened, the usability and flexibility of the knowledge map are improved, and the credit risk management system is convenient for credit auditors to observe.
Optionally, the querying, through the second database interface, the credit risk information corresponding to the node in the first credit risk knowledge-graph includes:
inquiring a node database through a second database interface of the server to obtain credit risk information corresponding to the node in the first credit risk knowledge base; and/or
The receiving and outputting the credit abnormality information corresponding to the node in the first credit risk knowledge graph returned by the third database interface of the server through the third query interface comprises:
and inquiring a node database through a third database interface of the server to obtain credit abnormality information corresponding to the node in the first credit risk knowledge graph.
Wherein the node information database may store any information not contained in the graph database. In consideration of the credit application environment, the node information database in the embodiment of the invention is used for storing risk-related information, thereby facilitating quick inquiry of loan risks of credit applicants.
It should be noted that the credit risk information and the credit abnormality information may be from the same node database or may be from different node databases, and this is not specifically limited in the embodiment of the present invention.
The prior art should provide as complete information as possible for loan risk control using a database, which results in a slow knowledge-graph request for a knowledge-graph in credit risk management. In the specific implementation of the invention, the idea that the data is from one database is broken through, the data can not be divided into different databases, the requirement of complete data is met, the speed of knowledge map request in the credit risk management is increased, and the time length of visualization of the knowledge map request in the credit risk management is shortened.
Optionally, the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
the receiving of the credit information query request sent by the first query interface of the terminal device through the first database interface includes:
receiving a credit information query request sent by a target query interface of terminal equipment through a target database interface;
the querying of the map database through the first database interface to obtain a first credit risk knowledge-map comprises:
and querying a database through the target database interface to obtain a first credit risk knowledge graph, wherein the hierarchy of the first credit risk knowledge graph is the hierarchy corresponding to the target database interface.
Specifically, as shown in fig. 2, the first query interface includes at least two query interfaces A, B, where query interface a corresponds to a first-degree graph and query interface B corresponds to a higher-level graph. The credit auditor can input the query request through the credit approval system, and the target query interface A or B receives the query request according to the specific information of the query request.
And after the corresponding database interface of the database receives the query request, querying a knowledge graph corresponding to the query request in the database, and outputting the knowledge graph of the corresponding hierarchy of the database interface. For example, the query request input by the user is a request of a one-degree map, and as shown in fig. 2, after the first database interface of the graph database receives the query request, the first database interface performs real-time calculation and sends the one-degree map to the query interface a. If the query request input by the user is a request for a second-degree map, as shown in fig. 2, after receiving the query request, the second database interface of the map database performs real-time calculation, and sends the second-degree map to the query interface B. The above description is merely exemplary in nature and is not intended to limit the present disclosure.
According to the embodiment of the invention, the knowledge graph of the graph database is subjected to hierarchical processing, so that credit auditors can inquire the first-degree graph or the second-degree and third-degree graphs according to requirements, single-stage inquiry pressure is released, the failure of the whole graph caused by the problem of a single inquiry interface is avoided, and the later-stage knowledge graph maintenance and expandability are facilitated. Meanwhile, the time for knowledge graph request visualization is not wasted, and the query efficiency is improved.
Referring to fig. 7, fig. 7 is a structural diagram of a terminal device according to an embodiment of the present invention, and as shown in fig. 7, the terminal device 400 includes:
a first receiving module 401, configured to receive a credit information query request generated based on a credit application order number;
a first sending module 402, configured to send a query request based on the credit information to a first database interface of a server through a first query interface;
a first query module 403, configured to receive and output a first credit risk knowledge graph returned by the first database interface through the first query interface, where the first credit risk knowledge graph is a credit risk knowledge graph obtained by querying the graph database through the first database interface;
and the second query module 404 is configured to receive and output the credit risk information corresponding to the node in the first credit risk knowledge graph returned by the second database interface of the server through a second query interface, and/or receive and output the credit abnormality information corresponding to the node in the first credit risk knowledge graph returned by the third database interface of the server through a third query interface.
Optionally, the first credit risk knowledge-graph is generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledge-graph are generated based on the credit application order numbers, and connection relationships between the nodes of the first credit risk knowledge-graph are generated based on the relationship information between the credit application order numbers.
Optionally, the credit information query request is a request generated after a predetermined operation on a first node of a second credit risk knowledge-graph is detected, and a hierarchy of the first credit risk knowledge-graph is one level higher than a hierarchy of the second credit risk knowledge-graph.
Optionally, the second query module includes:
the first query submodule is used for receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by the second database interface query node database of the server through a second query interface;
and the second query submodule is used for receiving and outputting the credit abnormal information corresponding to the node in the first credit risk knowledge graph returned by the third database interface query node database of the server through a third query interface.
Optionally, the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
the first receiving module is further used for receiving a credit information query request generated based on a credit application form number through the target query interface;
the first sending module is further used for sending a credit information query request generated based on a credit application order number to a target database interface of the server through a target query interface.
The first query module is further used for receiving and outputting a first credit risk knowledge graph returned by a target database interface of the server, wherein the hierarchy of the first credit risk knowledge graph is the hierarchy corresponding to the target database interface.
As shown in fig. 8, the terminal device 400 further includes: a node screening module 405, configured to receive a node screening request carrying information indicating node screening conditions; and deleting the nodes which do not meet the node screening conditions from the first credit risk knowledge graph, and reserving the nodes which meet the node screening conditions.
As shown in fig. 9, the terminal device 400 further includes: the first display module 406 is configured to display the credit risk information within a first predetermined time period; the second display module 407 is configured to display the credit exception information within a second predetermined time length.
The terminal device provided in the embodiment of the present invention can implement each process implemented by the credit risk processing method in the method embodiments of fig. 1 and fig. 5, and is not described here again to avoid repetition. The terminal equipment provided by the embodiment of the invention can shorten the visualization time of the knowledge map request in the credit risk management, improve the availability and flexibility of the knowledge map and facilitate the observation of credit auditors.
Referring to fig. 10, fig. 10 is a structural diagram of a server according to an embodiment of the present invention, and as shown in fig. 10, the server 500 includes:
a second receiving module 501, configured to receive, through the first database interface, a credit information query request sent by the first query interface of the terminal device;
a second sending module 502, configured to query a database through the first database interface to obtain a first credit risk knowledge graph, and send the first credit risk knowledge graph to the first query interface of the terminal device;
a third sending module 503, configured to query, through a second database interface, the credit risk information corresponding to the node in the first credit risk knowledge graph, and send, to a second query interface of the terminal device, the credit risk information corresponding to the node in the first credit risk knowledge graph, and/or query, through a third database interface, the credit risk information corresponding to the node in the first credit risk knowledge graph, and send, to a third query interface of the terminal device, the credit abnormality information corresponding to the node in the first credit risk knowledge graph.
Optionally, the first credit risk knowledge-graph is generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledge-graph are generated based on the credit application order numbers, and connection relationships between the nodes of the first credit risk knowledge-graph are generated based on the relationship information between the credit application order numbers.
Optionally, the third sending module includes a first sending submodule and a second sending submodule;
the first sending submodule is used for inquiring a node database through a second database interface of the server to obtain credit risk information corresponding to the node in the first credit risk knowledge graph.
And the second sending submodule is used for inquiring a node database through a third database interface of the server to obtain credit abnormality information corresponding to the node in the first credit risk knowledge graph.
Optionally, the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
the second receiving module 501 is further configured to receive a credit information query request sent by a target query interface of a terminal device through a target database interface.
The third sending module 503 is further configured to query a map database through the target database interface to obtain a first credit risk knowledge map, where a hierarchy of the first credit risk knowledge map is a hierarchy corresponding to the target database interface.
The server provided by the embodiment of the present invention can implement each process implemented by the credit risk processing method in the method embodiment of fig. 6, and is not described herein again to avoid repetition. The server provided by the embodiment of the invention can shorten the visualization time of the knowledge graph request in credit risk management and improve the availability and flexibility of the knowledge graph.
As shown in fig. 11, fig. 11 is a terminal device according to an embodiment of the present invention, where the terminal device 1100 includes: a processor 1101, a memory 1102 and a computer program stored on said memory 102 and being executable on said processor, the various components in the terminal device 1100 being coupled together by a bus interface 1103, said computer program realizing the following steps when executed by said processor 1101:
receiving a credit information query request generated based on a credit application order number;
sending a query request based on the credit information to a first database interface of a server through a first query interface;
receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface, wherein the first credit risk knowledge graph is a credit risk knowledge graph obtained by querying the database through the first database interface;
and receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by a second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by a third database interface of the server through a third query interface.
Optionally, the first credit risk knowledge-graph is generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledge-graph are generated based on the credit application order numbers, and connection relationships between the nodes of the first credit risk knowledge-graph are generated based on the relationship information between the credit application order numbers.
Optionally, the credit information query request is a request generated after a predetermined operation on a first node of a second credit risk knowledge-graph is detected, and a hierarchy of the first credit risk knowledge-graph is one level higher than a hierarchy of the second credit risk knowledge-graph.
Optionally, the processor 1101 is further configured to:
receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by a second database interface query node database of the server through a second query interface; and/or
And receiving and outputting the credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by the third database interface query node database of the server through a third query interface.
Optionally, the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
the processor 1101 is further configured to:
receiving a credit information query request generated based on a credit application form number through a target query interface; sending a credit information query request generated based on a credit application form number to a target database interface of the server through a target query interface; receiving and outputting a first credit risk knowledge graph returned by a target database interface of the server, wherein the hierarchy of the first credit risk knowledge graph is the hierarchy corresponding to the target database interface.
Optionally, the processor 1101 is further configured to:
receiving a node screening request carrying information indicating node screening conditions; and deleting the nodes which do not meet the node screening conditions from the first credit risk knowledge graph, and reserving the nodes which meet the node screening conditions.
Optionally, the processor 1101 is further configured to:
after the receiving and outputting the credit risk information corresponding to the node in the first credit risk knowledge graph returned by the second database interface of the server through the second query interface, the method further includes:
displaying the credit risk information for a first predetermined length of time; and/or
After the receiving and outputting the credit abnormality information corresponding to the node in the first credit risk knowledge graph returned by the third database interface of the server through the third query interface, the method further includes:
displaying the credit exception information for a second predetermined length of time.
As shown in fig. 12, fig. 12 is a server according to an embodiment of the present invention, where the server 1200 includes: a processor 1201, a memory 1102 and a computer program stored on the memory 1202 and executable on the processor, the various components in the server 1200 being coupled together by a bus interface 1203, the computer program when executed by the processor 1201 performing the steps of:
receiving a credit information query request sent by a first query interface of terminal equipment through a first database interface;
inquiring a database through the first database interface to obtain a first credit risk knowledge graph, and sending the first credit risk knowledge graph to a first inquiry interface of the terminal equipment;
inquiring credit risk information corresponding to the nodes in the first credit risk knowledge graph through a second database interface, sending the credit risk information corresponding to the nodes in the first credit risk knowledge graph to a second inquiry interface of the terminal equipment, and/or inquiring the credit risk information corresponding to the nodes in the first credit risk knowledge graph through a third database interface, and sending credit abnormal information corresponding to the nodes in the first credit risk knowledge graph to a third inquiry interface of the terminal equipment.
Optionally, the first credit risk knowledge-graph is generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledge-graph are generated based on the credit application order numbers, and connection relationships between the nodes of the first credit risk knowledge-graph are generated based on the relationship information between the credit application order numbers.
Optionally, the processor 1201 is further configured to:
inquiring a node database through a second database interface of the server to obtain credit risk information corresponding to the node in the first credit risk knowledge base; and/or
And inquiring a node database through a third database interface of the server to obtain credit abnormality information corresponding to the node in the first credit risk knowledge graph.
Optionally, the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
optionally, the processor 1201 is further configured to:
receiving a credit information query request sent by a target query interface of terminal equipment through a target database interface; and querying a database through the target database interface to obtain a first credit risk knowledge graph, wherein the hierarchy of the first credit risk knowledge graph is the hierarchy corresponding to the target database interface.
An embodiment of the present invention further provides a terminal device, including: the credit risk processing system comprises a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor realizes the steps of the credit risk processing method in any method embodiment when executing the computer program.
An embodiment of the present invention further provides a server, including: the credit risk processing system comprises a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor realizes the steps of the credit risk processing method in any method embodiment when executing the computer program.
The embodiment of the invention also provides a credit risk processing system which comprises the terminal equipment provided by any embodiment and the server provided by any embodiment.
The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the above-mentioned credit risk processing method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (17)
1. A credit risk processing method is applied to terminal equipment and is characterized by comprising the following steps:
receiving a credit information query request generated based on a credit application order number;
sending the credit information query request to a first database interface of a server through a first query interface;
receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface, wherein the first credit risk knowledge graph is a credit risk knowledge graph obtained by querying a database through the first database interface;
and receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by a second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by a third database interface of the server through a third query interface.
2. The credit risk processing method of claim 1 wherein the first credit risk knowledgegraph is generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledgegraph are generated based on the credit application order numbers and connections between nodes of the first credit risk knowledgegraph are generated based on relationship information between the credit application order numbers.
3. The credit risk processing method of claim 2 wherein the credit information query request is a request generated upon detection of a predetermined operation on a first node of a second credit risk knowledgegraph, the first credit risk knowledgegraph having a hierarchy one level higher than the hierarchy of the second credit risk knowledgegraph.
4. The credit risk processing method of claim 1, wherein the receiving and outputting, via a second query interface, the credit risk information corresponding to the nodes in the first credit risk knowledge-graph returned by a second database interface of the server comprises:
receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by a second database interface query node database of the server through a second query interface; and/or the credit abnormality information corresponding to the node in the first credit risk knowledge graph returned by the third database interface of the server is received and output through the third query interface, and the method comprises the following steps:
and receiving and outputting the credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by the third database interface query node database of the server through a third query interface.
5. The credit risk processing method of claim 1, wherein the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
the receiving a credit information query request generated based on a credit application order number includes:
receiving a credit information query request generated based on a credit application form number through a target query interface;
the sending, to a first database interface of a server through a first query interface, a query request based on the credit information includes:
sending a credit information query request generated based on a credit application form number to a target database interface of the server through a target query interface;
the receiving and outputting the first credit risk knowledge-graph returned by the first database interface comprises:
receiving and outputting a first credit risk knowledge graph returned by a target database interface of the server, wherein the hierarchy of the first credit risk knowledge graph is the hierarchy corresponding to the target database interface.
6. The credit risk processing method of claim 1, further comprising, after receiving and outputting through the first query interface the first credit risk knowledge-graph returned by the first database interface:
receiving a node screening request carrying information indicating node screening conditions;
and deleting the nodes which do not meet the node screening conditions from the first credit risk knowledge graph, and reserving the nodes which meet the node screening conditions.
7. The credit risk processing method of claim 1, further comprising, after receiving and outputting, via a second query interface, the credit risk information corresponding to the node in the first credit risk knowledge-graph returned by a second database interface of the server:
displaying the credit risk information for a first predetermined length of time; and/or
After the receiving and outputting the credit abnormality information corresponding to the node in the first credit risk knowledge graph returned by the third database interface of the server through the third query interface, the method further includes:
displaying the credit exception information for a second predetermined length of time.
8. A credit risk processing method applied to a server is characterized by comprising the following steps:
receiving a credit information query request sent by a first query interface of terminal equipment through a first database interface;
inquiring a database through the first database interface to obtain a first credit risk knowledge graph, and sending the first credit risk knowledge graph to a first inquiry interface of the terminal equipment;
inquiring credit risk information corresponding to the nodes in the first credit risk knowledge graph through a second database interface, sending the credit risk information corresponding to the nodes in the first credit risk knowledge graph to a second inquiry interface of the terminal equipment, and/or inquiring the credit risk information corresponding to the nodes in the first credit risk knowledge graph through a third database interface, and sending credit abnormal information corresponding to the nodes in the first credit risk knowledge graph to a third inquiry interface of the terminal equipment.
9. The credit risk processing method of claim 8 wherein the first credit risk knowledgegraph is generated based on the credit application order numbers and relationship information between the credit application order numbers, wherein nodes of the first credit risk knowledgegraph are generated based on the credit application order numbers and connections between nodes of the first credit risk knowledgegraph are generated based on relationship information between the credit application order numbers.
10. The credit risk processing method of claim 8 wherein said querying, through a second database interface, credit risk information corresponding to a node in the first credit risk knowledge-graph comprises:
inquiring a node database through a second database interface of the server to obtain credit risk information corresponding to the node in the first credit risk knowledge base; and/or
The receiving and outputting the credit abnormality information corresponding to the node in the first credit risk knowledge graph returned by the third database interface of the server through the third query interface comprises:
and inquiring a node database through a third database interface of the server to obtain credit abnormality information corresponding to the node in the first credit risk knowledge graph.
11. The credit risk processing method of claim 8, wherein the first query interface includes at least two query interfaces corresponding to different hierarchies, and the first database interface includes at least two database interfaces corresponding to different hierarchies;
the receiving of the credit information query request sent by the first query interface of the terminal device through the first database interface includes:
receiving a credit information query request sent by a target query interface of terminal equipment through a target database interface;
the querying of the map database through the first database interface to obtain a first credit risk knowledge-map comprises:
and querying a database through the target database interface to obtain a first credit risk knowledge graph, wherein the hierarchy of the first credit risk knowledge graph is the hierarchy corresponding to the target database interface.
12. A terminal device, characterized in that the terminal device comprises:
the credit inquiry system comprises a first receiving module, a first processing module and a second receiving module, wherein the first receiving module is used for receiving a credit information inquiry request generated based on a credit application form number;
the first sending module is used for sending the credit information query request to a first database interface of a server through a first query interface;
the first query module is used for receiving and outputting a first credit risk knowledge graph returned by the first database interface through the first query interface, wherein the first credit risk knowledge graph is obtained by querying a graph database through the first database interface;
and the second query module is used for receiving and outputting credit risk information corresponding to the nodes in the first credit risk knowledge graph returned by the second database interface of the server through a second query interface, and/or receiving and outputting credit abnormality information corresponding to the nodes in the first credit risk knowledge graph returned by the third database interface of the server through a third query interface.
13. A server, characterized in that the server comprises:
the second receiving module is used for receiving a credit information query request sent by a first query interface of the terminal equipment through the first database interface;
the second sending module is used for inquiring a database through the first database interface to obtain a first credit risk knowledge graph and sending the first credit risk knowledge graph to a first inquiry interface of the terminal equipment;
and the third sending module is used for inquiring the credit risk information corresponding to the node in the first credit risk knowledge graph through a second database interface, sending the credit risk information corresponding to the node in the first credit risk knowledge graph to a second inquiry interface of the terminal equipment, and/or inquiring the credit risk information corresponding to the node in the first credit risk knowledge graph through a third database interface, and sending the credit abnormality information corresponding to the node in the first credit risk knowledge graph to a third inquiry interface of the terminal equipment.
14. A terminal device, comprising: memory, a processor and a computer program stored on the memory and running on the processor, the processor implementing the steps in the credit risk processing method according to any one of claims 1-7 when executing the computer program.
15. A server, comprising: memory, processor and computer program stored on the memory and running on the processor, the processor implementing the steps in the credit risk processing method according to any one of claims 8-11 when executing the computer program.
16. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, carries out the steps in the credit risk processing method data processing method according to any one of claims 1 to 7 or any one of claims 8 to 11.
17. A credit risk processing system comprising a terminal device according to claim 12 and a server according to claim 13, or comprising a terminal device according to claim 14 and a server according to claim 15.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810870680.0A CN110796532B (en) | 2018-08-02 | 2018-08-02 | Credit risk processing method, terminal equipment, server and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810870680.0A CN110796532B (en) | 2018-08-02 | 2018-08-02 | Credit risk processing method, terminal equipment, server and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110796532A true CN110796532A (en) | 2020-02-14 |
| CN110796532B CN110796532B (en) | 2021-08-24 |
Family
ID=69425838
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810870680.0A Active CN110796532B (en) | 2018-08-02 | 2018-08-02 | Credit risk processing method, terminal equipment, server and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110796532B (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113706300A (en) * | 2021-09-18 | 2021-11-26 | 中国银行股份有限公司 | Loan method and device for small and micro enterprises |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102385629A (en) * | 2011-11-21 | 2012-03-21 | 山东浪潮金融信息系统有限公司 | Application method of extending father and son model to network model in data warehouse |
| US20160379120A1 (en) * | 2015-06-25 | 2016-12-29 | International Business Machines Corporation | Knowledge Canvassing Using a Knowledge Graph and a Question and Answer System |
| CN107016068A (en) * | 2017-03-21 | 2017-08-04 | 深圳前海乘方互联网金融服务有限公司 | Knowledge mapping construction method and device |
| CN107545000A (en) * | 2016-06-28 | 2018-01-05 | 百度在线网络技术（北京）有限公司 | The information-pushing method and device of knowledge based collection of illustrative plates |
| CN108280760A (en) * | 2018-01-25 | 2018-07-13 | 树根互联技术有限公司 | A kind of financial risks on-line monitoring method and apparatus |
-
2018
- 2018-08-02 CN CN201810870680.0A patent/CN110796532B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102385629A (en) * | 2011-11-21 | 2012-03-21 | 山东浪潮金融信息系统有限公司 | Application method of extending father and son model to network model in data warehouse |
| US20160379120A1 (en) * | 2015-06-25 | 2016-12-29 | International Business Machines Corporation | Knowledge Canvassing Using a Knowledge Graph and a Question and Answer System |
| CN107545000A (en) * | 2016-06-28 | 2018-01-05 | 百度在线网络技术（北京）有限公司 | The information-pushing method and device of knowledge based collection of illustrative plates |
| CN107016068A (en) * | 2017-03-21 | 2017-08-04 | 深圳前海乘方互联网金融服务有限公司 | Knowledge mapping construction method and device |
| CN108280760A (en) * | 2018-01-25 | 2018-07-13 | 树根互联技术有限公司 | A kind of financial risks on-line monitoring method and apparatus |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113706300A (en) * | 2021-09-18 | 2021-11-26 | 中国银行股份有限公司 | Loan method and device for small and micro enterprises |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110796532B (en) | 2021-08-24 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111221726A (en) | Test data generation method and device, storage medium and intelligent equipment | |
| EP1873632A1 (en) | Extending data flows | |
| US20220309076A1 (en) | Computer Network Controlled Data Orchestration System And Method For Data Aggregation, Normalization, For Presentation, Analysis And Action/Decision Making | |
| US20160267420A1 (en) | Process model catalog | |
| CN107133309B (en) | Method and device for storing and querying process example, storage medium and electronic equipment | |
| US9069448B2 (en) | Filtering objects in a multi-tenant environment | |
| CN109408561A (en) | Business Name matching process and device | |
| CN110796532B (en) | Credit risk processing method, terminal equipment, server and system | |
| CN107943423A (en) | The management method and computer-readable recording medium of storage resource in cloud system | |
| CN116226786B (en) | Data processing method and device for information system data fusion | |
| CN111553749A (en) | Activity push strategy configuration method and device | |
| CN113435948B (en) | E-commerce platform data monitoring method and system | |
| CN111125263A (en) | Reservation request management method, reservation function entity and readable storage medium | |
| US8832110B2 (en) | Management of class of service | |
| CN115640457A (en) | Information management method, apparatus, device, medium, and program product | |
| US8170973B2 (en) | Satisfying rules through a configuration of list processing methods | |
| CN111143377B (en) | Automatic driving simulation data collection method, device and system | |
| CN112417259B (en) | Media resource processing method, device, equipment and storage medium | |
| CN113743791A (en) | Business evaluation method and device for business work order, electronic equipment and medium | |
| CN111506613A (en) | Method, system, device and equipment for querying incidence relation of data record | |
| CN117112654B (en) | City data display method, device, computer equipment and storage medium | |
| CN110990643A (en) | GoJS-based complex task visualization method, terminal device and storage medium | |
| CN110825749A (en) | Behavior trajectory analysis and display method and device, electronic equipment and storage medium | |
| CN108846092A (en) | A kind of tree-like Home System and homepage management method | |
| CN110535701B (en) | Problem positioning method and device |
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 |