CN111782696A - Credit investigation data processing method and device - Google Patents
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Abstract
The invention discloses a method and a device for processing credit investigation data, wherein the method is applied to a credit investigation system comprising preset decision parameters, the credit investigation system is communicated with a wind control decision system, and the method comprises the following steps: acquiring transmission data sent by the wind control decision system; inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data; and sending the return data to the wind control decision system, wherein the wind control decision system is used for generating a decision result according to the return data. The method can store the credit investigation parameters used by the wind control decision system for wind control decision in the cache data, so that the corresponding credit investigation parameters can be quickly inquired through the cache data, the operation efficiency is greatly improved, the cost is saved, the decision parameters can be preset by a plurality of different users, when the decision rule is modified, the decision parameters can be modified in time, and the flexibility and the practicability of the operation are greatly improved.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to a credit investigation data processing method and a credit investigation data processing device.
Background
Credit data, also known as credit information, refers to records generated by enterprises and consumer individuals in their social activities relating to credit activities and various items of information relating to the evaluation of their credit value.
In the financial field, enterprises can analyze, evaluate and calculate credit investigation data, so as to analyze and adjust the decision of the enterprises or individuals according to the calculation result. The credit investigation data processing method commonly used by enterprises at present adopts a wind control decision system to analyze, evaluate and calculate the credit investigation data.
In the existing wind control decision system, credit investigation data is often required to be acquired from a third-party platform, when a wind control rule changes, a credit investigation data source needs to be added or deleted, the system is difficult to change the credit investigation data source, secondary development is required, the cost is increased, when the wind control rule is judged, the system needs to acquire all credit investigation data and then carries out rule judgment, but in the case of rejection, only individual credit investigation data is required to judge, all credit investigation data does not need to be inquired, the judgment efficiency is reduced, unnecessary consumption is caused, and the use experience of enterprises is reduced.
Disclosure of Invention
The invention aims to solve the technical problems of low use flexibility and low wind control rule judgment efficiency of a wind control decision system, and provides a credit investigation data processing method and a credit investigation data processing device
In order to solve the problems, the invention is realized according to the following technical scheme:
the embodiment of the invention discloses a method for processing credit investigation data, which is applied to a credit investigation system comprising preset decision parameters, wherein the credit investigation system is communicated with a wind control decision system, and the method comprises the following steps:
acquiring transmission data sent by the wind control decision system;
inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data;
and sending the return data to the wind control decision system, wherein the wind control decision system is used for generating a decision result according to the return data.
Optionally, the transfer data includes application data, and the credit investigation system includes a credit investigation aggregation unit;
the inquiring or calling of the preset wind control rule matching according to the transmitted data to obtain corresponding return data comprises the following steps:
inquiring whether cache data corresponding to the application data are stored from a preset database;
and if the cache data corresponding to the application data is stored in the preset database, taking the cache data as return data.
Optionally, the transfer data further includes feature data, the credit investigation system further includes a credit investigation configuration policy unit in communication with the credit investigation aggregation unit, the credit investigation configuration policy unit includes preset decision parameters, and the method further includes:
if the preset database does not store the cache data corresponding to the application data, acquiring and sending characteristic data to the credit investigation configuration strategy unit, wherein the credit investigation configuration strategy unit is used for determining a target decision parameter from preset decision parameters according to the characteristic data and returning the target decision parameter to the credit investigation aggregation unit;
and calculating corresponding return data according to the target decision parameters.
Optionally, the method further involves a data platform in communication with the credit aggregation unit;
the calculating corresponding return data according to the objective decision parameter includes:
calling a preset platform interface to send a data query request to the data platform, wherein the data platform is used for returning credit investigation data to the credit investigation aggregation unit according to the data query request;
configuring the credit investigation data into a data set in a format corresponding to the target decision parameter;
and taking the data set as return data.
The embodiment of the invention also discloses a credit investigation data processing device, which is applied to a credit investigation system comprising preset decision parameters, wherein the credit investigation system is communicated with a wind control decision system, and the device comprises: the acquisition module, the decision result module and the sending module are positioned in the credit investigation system;
the acquisition module is used for acquiring the transmission data sent by the wind control decision system;
the return data module is used for inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data;
and the sending module is used for sending the return data to the wind control decision system.
Optionally, the transfer data includes application data, and the credit investigation system includes a credit investigation aggregation unit;
the return data module comprises:
the query module is used for querying whether cache data corresponding to the application data is stored or not from a preset database;
and the cache data module is used for acquiring corresponding return data according to the cache data if the cache data corresponding to the application data is stored in a preset database.
Optionally, the transfer data further includes feature data, the credit investigation system further includes a credit investigation configuration policy unit in communication with the credit investigation aggregation unit, the credit investigation configuration policy unit includes preset decision parameters, and the apparatus further includes:
the characteristic data module is used for acquiring and sending characteristic data to the credit investigation configuration strategy unit if cache data corresponding to the application data is not stored in a preset database, and the credit investigation configuration strategy unit is used for determining a target decision parameter from preset decision parameters according to the characteristic data and returning the target decision parameter to the credit investigation aggregation unit;
and the matching module is used for calculating corresponding return data according to the target decision parameters.
Optionally, the method further involves a data platform in communication with the credit aggregation unit;
the matching module comprises:
the calling module is used for calling a preset platform interface to send a data query request to the data platform, and the data platform is used for returning credit investigation data to the credit investigation aggregation unit according to the data query request;
the configuration module is used for configuring the credit investigation data into a data set with a format corresponding to the target decision parameter;
and the data set module is used for taking the data set as return data.
Embodiments of the present invention also disclose an electronic device, having instructions stored thereon, which, when executed by one or more processors, cause the processors to perform one or more of the methods described above
The embodiment of the invention also discloses a machine-readable storage medium device, which is characterized by comprising the following components:
one or more processors; and
one or more machine readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform one or more methods as described above.
Compared with the prior art, the invention has the beneficial effects that: the method can store credit investigation parameters used by the wind control decision system for wind control decision in the cache data through the preset database, so that the corresponding credit investigation parameters can be quickly inquired through the cache data, the operation efficiency is greatly improved, the cost is also saved, meanwhile, the decision parameters can be preset through storing a plurality of different users, when the decision rule is modified, the decision parameters can be modified in time, and the flexibility and the practicability of the operation are greatly improved.
Drawings
Embodiments of the invention are described in further detail below with reference to the attached drawing figures, wherein:
fig. 1 is a flow chart illustrating the steps of a credit investigation data processing method according to the present invention;
fig. 2 is a schematic connection diagram of the credit investigation system of the invention;
fig. 3 is a flowchart illustrating the operation of a credit investigation data processing method according to the present invention;
fig. 4 is a schematic structural diagram of a credit investigation data processing device according to the present invention.
Detailed Description
The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.
As shown in fig. 1, the present invention discloses a method for processing credit investigation data, which can be applied to a credit investigation system, and the credit investigation system communicates with a wind control decision system.
It should be noted that the credit investigation system may be configured to store and record one or more data sources sent by the wind control decision system, and may also store, record, or call a wind control rule, so that the wind control decision calculation may be performed on the one or more data sources sent by the wind control decision system, and a decision calculation result may be stored. The wind control decision system may communicate with a number of different servers, which may store operational or corporate data for different enterprises or institutions. The wind control decision system can be used for receiving operation data of different enterprises, receiving decision rules or decision parameters or decision calculation results sent by the credit investigation system and calculating to obtain corresponding wind control decisions.
Specifically, the method comprises the following steps:
and 101, acquiring transmission data sent by the wind control decision system.
It should be noted that the transfer data may include operation data of the enterprise, credit data of the enterprise, management data, or identification data, and the like corresponding to the enterprise, and may also include an acquisition request sent by the wind control decision system, or an application request, and the like.
The credit investigation system and the wind control decision system can be in wired connection through an interface or in wireless connection through a network, and can be specifically adjusted according to actual needs, and the application is not limited herein.
In actual operation, when the wind control decision system receives operation data or company data sent by an external enterprise or organization, the operation data or the company data can be sent to the credit investigation system.
And 102, inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data.
It should be noted that the return data may be credit investigation parameters required by the wind control decision system to make a wind control decision. And the wind control decision system can perform wind control calculation according to the credit investigation parameters and operation data sent by enterprises or institutions to obtain a wind control result.
The credit investigation system can inquire credit investigation parameters required by the wind control decision from a preset server, and the credit investigation parameters can be credit investigation parameters adopted by the wind control decision system when the wind control decision system carries out the wind control decision on the enterprise last time or in the past. The credit investigation system stores the credit investigation parameters used by the wind control decision system in the past, so that the past credit investigation parameters can be reused, the working efficiency of the wind control decision system can be improved, complicated and redundant query is not needed to be carried out every time a wind control decision is carried out, and the flexibility of the wind control decision system can be improved.
The credit investigation system can also search from preset decision parameters to obtain corresponding credit investigation parameters. The preset decision parameters can be set by a user, and the number can also be set by the user. And the credit investigation system stores the decision parameters and searches the corresponding credit investigation parameters from the decision parameters, so that corresponding wind control decision calculation can be carried out even if the wind control decision system receives new operation data of an enterprise, secondary development on the wind control decision system is not needed, the flexibility of the wind control decision system can be improved, and the development cost is reduced.
In one embodiment, the transfer data includes application data and feature data, and the credit investigation system includes a credit investigation aggregation unit and a credit investigation configuration policy unit.
In particular, the application data may be operation data of an enterprise or enterprise data or management data, and the characteristic data may be interface data or address data or identification data.
The credit investigation aggregation unit can be connected and communicated with an external data platform, can call a credit investigation interface of the external data platform, or can save a call record in a preset database and cache credit investigation parameters.
The credit investigation configuration strategy unit can be used for recording decision parameters required by wind control decisions preset by a user and storing the decision parameters in a preset database, and the user can adjust the decision parameters required by different wind control decisions through the credit investigation configuration strategy unit. The credit investigation configuration policy unit may include credit investigation interface configuration and decision parameter configuration, where the credit investigation interface configuration may include: interface address, interface parameter, interface feature code; the decision parameter configuration may include: decision parameter alias, credit investigation parameter name and affiliated interface feature code.
Specifically, step 102 may include the following sub-steps:
and a substep 1021, inquiring whether to store the cache data corresponding to the application data from a preset database.
The credit investigation aggregation unit may query cache data corresponding to operation data of an enterprise from a preset database, where the cache data may be credit investigation parameters sent when a wind control decision is performed on the enterprise last time.
In sub-step 1022, if the preset database stores the cache data corresponding to the application data, the cache data is used as the return data.
The return data can be credit investigation parameters corresponding to the operation data of the enterprise, and the credit investigation parameters can be sent to the wind control decision system.
In actual operation, after the credit investigation aggregation unit assesses the credit parameters to the wind control decision system, the credit investigation parameters can be stored in a cache of a preset database for the next use, so that the next wind control decision operation of the wind control decision system can be facilitated.
And a substep 1023, if no cache data corresponding to the application data is stored in a preset database, acquiring and sending feature data to the credit investigation configuration policy unit, wherein the credit investigation configuration policy unit is used for determining a target decision parameter from preset decision parameters according to the feature data and returning the target decision parameter to the credit investigation aggregation unit.
When the credit investigation aggregation unit determines that no credit investigation parameter corresponding to the operation data of the enterprise exists in the preset database, it may be indicated that the credit investigation aggregation unit has not previously made a wind control decision for the enterprise or the enterprise sends new operation data. The credit investigation aggregation unit can inquire and acquire decision parameters preset by a user from the credit investigation configuration strategy unit so as to meet the requirement of the current wind control decision.
Optionally, the credit investigation aggregation unit may send feature data of the enterprise to the credit investigation configuration policy unit, where the feature data may include interface data, address data, or identification data of the enterprise, and the credit investigation configuration policy unit may search, according to the feature data, corresponding target decision parameters from a plurality of preset decision parameters in a preset database, and send the target decision parameters to the credit investigation aggregation unit.
The credit investigation configuration strategy unit stores the decision parameters preset by the user, and even when the rules required by the wind control decision system need to be modified or the operation data sent by an enterprise needs to be changed, the credit investigation configuration strategy unit only needs to be modified to store the decision parameters, so that no additional secondary development is needed, the development cost can be greatly reduced, and the operation flexibility can be improved.
In actual operation, the credit investigation configuration policy unit may be connected to a data platform of a third party, the feature data may be interface feature code data, the interface feature code data may be used to specify an interface for invoking the data platform of the third party, and the credit investigation configuration policy unit obtains target decision parameters such as an alias of a decision parameter, a name of a credit investigation parameter, an interface address, and a parameter required by the wind control decision system to execute a wind control decision by querying from a database preset in the data platform of the third party through the interface feature code data. And sending target decision parameters such as alias of the decision parameters, credit investigation parameter name, interface address and parameters required by the wind control decision system to execute wind control decision to the credit investigation configuration policy unit by a data platform of a third party.
And the credit investigation configuration strategy unit sends the target decision parameter to the credit investigation aggregation unit, and the credit investigation aggregation unit can call an interface of a third party credit investigation platform through the target decision parameter to perform wind control calculation and other operations.
And a substep 1024 of calculating corresponding return data according to the objective decision parameter.
The credit investigation aggregation unit can perform format conversion or matching calculation by adopting the decision parameters to obtain credit investigation parameters required by the enterprise for wind control decision.
In another embodiment, the method further involves a data platform in communication with the credit aggregation unit. Reference may be made in particular to fig. 2.
The data platform can be a data platform of a third party, and the credit investigation aggregation unit can be provided with a corresponding external interface to be connected with the data platform in an external connection mode. The third-party data platform can be a service provider which collects various types of data through various ways by applying technical means and provides services to the outside after processing the data. The various types of data can include behavior records such as terminal use time, loan records, court execution records, network loan overdue records and the like. Specifically, sub-step 1024 may include the following sub-steps:
and a substep 10241, calling a preset platform interface to send a data query request to the data platform, where the data platform is configured to return credit investigation data to the credit investigation aggregation unit according to the data query request.
In this embodiment, the credit data may be various transaction data, financial data, and certification data of the enterprise, such as loan records of the enterprise, law enforcement records, network loan overdue records, financial reports, credit codes, and so on. The data query request may contain an identification of the business.
In actual operation, the data platform can search the corresponding credit investigation data from a preset database according to the identification of the enterprise.
A sub-step 10242, configuring the credit data into a data set with a format corresponding to the objective decision parameter.
In this embodiment, the format corresponding to the target decision parameter may be a decision parameter format required by the wind control decision system, and specifically, the decision parameter format is a key-value pair set, which may be determined by a key-value pair set composed of aliases of the decision parameters in the target decision parameter.
In practical operation, the credit investigation aggregation unit may map names of a plurality of credit investigation data into decision parameter aliases to form a new key-value pair set.
Sub-step 10243, returning data as the set of data.
In this embodiment, the credit investigation aggregating unit may package the new key-value pair set after acquiring the new key-value pair set, and then send the new key-value pair set to the wind control decision system.
And 103, sending the return data to the wind control decision system, wherein the wind control decision system is used for generating a decision result according to the return data.
In this embodiment, the returned data may be credit investigation parameters, and after the credit investigation parameters are obtained, the credit investigation parameters may be sent to the wind control decision system, so that the wind control decision system may calculate a wind control decision for an enterprise according to the credit investigation parameters and the operation data of the enterprise, generate a decision result, and finally send the decision result to the enterprise.
Specifically, the decision result may be sent to a server corresponding to the enterprise.
Referring to fig. 3, there is shown an operation flow chart of a credit investigation data processing method of the present invention.
In a specific implementation, when the wind control decision system receives transmission data sent by a cooperative organization, for example, when receiving a financing application or a loan application of an enterprise, the wind control decision system may obtain application data and feature data of the enterprise, and send the application data and the feature data of the enterprise to the credit investigation and aggregation unit. The credit investigation aggregation unit can inquire whether the cache data matched with the application data is stored or not from a preset database. If the preset database stores cache data matched with the application data, the cache data are sent to a wind control decision system; if the preset database does not store the cache data matched with the application data, the credit investigation aggregation unit can send the characteristic data to the credit investigation configuration policy unit. The credit investigation configuration policy unit may search a plurality of decision parameters stored in the preset database for corresponding objective decision parameters, where the objective decision parameters may be used to correspond to operation data of an enterprise. The credit configuration policy unit may then send the target decision parameter to the credit aggregation unit. The credit investigation aggregation unit can inquire and acquire credit investigation data sent by an external third-party data platform. Then, the credit investigation aggregation unit can adopt decision parameter format of credit investigation data according to the alias of the target decision parameter to generate a result set. And finally, the credit investigation aggregation unit can send the result set as credit investigation parameters to the wind control decision system. The wind control decision system can adopt credit investigation parameters and operation data of the enterprise to carry out wind control decision on the enterprise, generate and send a decision result to a server of the enterprise.
In the embodiment, a credit investigation data processing method is provided, which not only can solve the problem of difficulty in development or operation caused by the change of a wind control decision rule when an enterprise makes a wind control decision, but also can quickly inquire the cache data of a credit investigation aggregation unit to obtain corresponding credit investigation parameters when credit investigation is more and more frequent, thereby greatly improving the operation efficiency and saving the cost.
It should be noted that, for simplicity of description, the method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the embodiments are not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the embodiments. Further, those skilled in the art will also appreciate that the embodiments described in the specification are presently preferred and that no particular act is required to implement the embodiments of the disclosure
As shown in fig. 4, a credit investigation data processing device is disclosed. The device is applied to a credit investigation system containing preset decision parameters, the credit investigation system is communicated with a wind control decision system, and the device comprises: an acquisition module 401, a decision result module 402 and a sending module 403 which are positioned in the credit investigation system;
an obtaining module 401, configured to obtain transmission data sent by the wind control decision system;
a data return module 402, configured to query or invoke a preset wind control rule to match according to the transfer data to obtain corresponding return data;
a sending module 403, configured to send the return data to the wind control decision system.
Optionally, the transfer data includes application data, and the credit investigation system includes a credit investigation aggregation unit;
the return data module comprises:
the query module is used for querying whether cache data corresponding to the application data is stored or not from a preset database;
and the cache data module is used for acquiring corresponding return data according to the cache data if the cache data corresponding to the application data is stored in a preset database.
Optionally, the transfer data further includes feature data, the credit investigation system further includes a credit investigation configuration policy unit in communication with the credit investigation aggregation unit, the credit investigation configuration policy unit includes preset decision parameters, and the apparatus further includes:
the characteristic data module is used for acquiring and sending characteristic data to the credit investigation configuration strategy unit if cache data corresponding to the application data is not stored in a preset database, and the credit investigation configuration strategy unit is used for determining a target decision parameter from preset decision parameters according to the characteristic data and returning the target decision parameter to the credit investigation aggregation unit;
and the matching module is used for calculating corresponding return data according to the target decision parameters.
Optionally, the method further involves a data platform in communication with the credit aggregation unit;
the matching module comprises:
the calling module is used for calling a preset platform interface to send a data query request to the data platform, and the data platform is used for returning credit investigation data to the credit investigation aggregation unit according to the data query request;
the configuration module is used for configuring the credit investigation data into a data set with a format corresponding to the target decision parameter;
and the data set module is used for taking the data set as return data.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
An embodiment of the present application further provides an electronic device, including:
one or more processors; and
one or more machine-readable media having instructions stored thereon, which when executed by the one or more processors, cause the apparatus to perform methods as described in embodiments of the present application.
Embodiments of the present application also provide a machine-readable storage medium having stored thereon instructions, which when executed by one or more processors, cause the processors to perform the method of embodiments of the present application.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention in any way, so that any modification, equivalent change and modification made to the above embodiment according to the technical spirit of the present invention are within the scope of the technical solution of the present invention.
Claims (10)
1. A method for processing credit investigation data is applied to a credit investigation system containing preset decision parameters, wherein the credit investigation system is communicated with a wind control decision system, and the method comprises the following steps:
acquiring transmission data sent by the wind control decision system;
inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data;
and sending the return data to the wind control decision system, wherein the wind control decision system is used for generating a decision result according to the return data.
2. The method of claim 1, wherein the transfer data comprises application data, and wherein the credit investigation system comprises a credit investigation aggregation unit;
the inquiring or calling of the preset wind control rule matching according to the transmitted data to obtain corresponding return data comprises the following steps:
inquiring whether cache data corresponding to the application data are stored from a preset database;
and if the cache data corresponding to the application data is stored in the preset database, taking the cache data as return data.
3. The method of claim 2, wherein the transfer data further comprises feature data, wherein the credit system further comprises a credit configuration policy unit in communication with the credit aggregation unit, wherein the credit configuration policy unit contains preset decision parameters, and wherein the method further comprises:
if the preset database does not store the cache data corresponding to the application data, acquiring and sending characteristic data to the credit investigation configuration strategy unit, wherein the credit investigation configuration strategy unit is used for determining a target decision parameter from preset decision parameters according to the characteristic data and returning the target decision parameter to the credit investigation aggregation unit;
and calculating corresponding return data according to the target decision parameters.
4. The method of claim 3, further involving a data platform in communication with the credit aggregation unit;
the calculating corresponding return data according to the objective decision parameter includes:
calling a preset platform interface to send a data query request to the data platform, wherein the data platform is used for returning credit investigation data to the credit investigation aggregation unit according to the data query request;
configuring the credit investigation data into a data set in a format corresponding to the target decision parameter;
and taking the data set as return data.
5. The device for processing credit investigation data is applied to a credit investigation system containing preset decision parameters, and the credit investigation system is communicated with a wind control decision system, and the device comprises: the acquisition module, the decision result module and the sending module are positioned in the credit investigation system;
the acquisition module is used for acquiring the transmission data sent by the wind control decision system;
the return data module is used for inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data;
and the sending module is used for sending the return data to the wind control decision system.
6. The apparatus of claim 5, wherein the transfer data comprises application data, and wherein the credit investigation system comprises a credit investigation aggregation unit;
the return data module comprises:
the query module is used for querying whether cache data corresponding to the application data is stored or not from a preset database;
and the cache data module is used for acquiring corresponding return data according to the cache data if the cache data corresponding to the application data is stored in a preset database.
7. The apparatus of claim 6, wherein the transfer data further comprises feature data, wherein the credit system further comprises a credit configuration policy unit in communication with the credit aggregation unit, wherein the credit configuration policy unit contains preset decision parameters, and wherein the apparatus further comprises:
the characteristic data module is used for acquiring and sending characteristic data to the credit investigation configuration strategy unit if cache data corresponding to the application data is not stored in a preset database, and the credit investigation configuration strategy unit is used for determining a target decision parameter from preset decision parameters according to the characteristic data and returning the target decision parameter to the credit investigation aggregation unit;
and the matching module is used for calculating corresponding return data according to the target decision parameters.
8. The apparatus of claim 7, wherein the method further involves a data platform in communication with the credit aggregation unit;
the matching module comprises:
the calling module is used for calling a preset platform interface to send a data query request to the data platform, and the data platform is used for returning credit investigation data to the credit investigation aggregation unit according to the data query request;
the configuration module is used for configuring the credit investigation data into a data set with a format corresponding to the target decision parameter;
and the data set module is used for taking the data set as return data.
9. An electronic device having instructions stored thereon, which when executed by one or more processors, cause the processors to perform the method of one or more of claims 1-4.
10. A machine-readable storage medium device, comprising:
one or more processors; and
one or more machine-readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform the method of one or more of claims 1-4.
Priority Applications (1)
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