CN112184154A - Business approval method and device - Google Patents
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Abstract
The invention discloses a business approval method and a business approval device, and relates to the technical field of computers. A specific implementation mode of the method comprises the steps of receiving a request for applying for business handling, determining an approval mode, and triggering an approval program corresponding to the mode; acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements; calling historical transaction data of the transaction party information according to the transaction party information in the service contract information; calling an external database interface to inquire external data of the transaction party information; and calling a judgment engine, matching a corresponding judgment model based on the request, further calculating to obtain a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, generating a reply file and outputting the reply file. Therefore, the method and the device can solve the problems of low efficiency and poor reliability of the conventional transaction data approval.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a business approval method and a business approval device.
Background
Under the new conditions that the market-oriented pace of interest rate is continuously accelerated and the direct financing of large enterprises is continuously increased, how to continuously innovate the public operation mode and improve the examination and approval transfer efficiency is a difficult problem which needs to be solved urgently by the commercial bank at present. The low-risk bank acceptance draft is used as an important currency market tool and has the characteristics of large business volume, high requirement on the timeliness of the business and the like. In the traditional approval of public business, an approver needs to comprehensively consider a series of factors including a drawer, a transaction opponent, an industry, past transaction records and the like to give approval opinions, and the flow of the process is usually long in time consumption; therefore, the work of the approver is simplified, and the improvement of the approval efficiency is certainly helpful for better development of banking business.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
aiming at the small-amount fund demand of small and micro enterprise customers, how to combine the customer operation characteristics to go deep into big data matching analysis and carry out the transaction data approval of batch customers is a problem to be solved urgently.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for business approval, which can solve the problems of low efficiency and poor reliability of existing transaction data approval.
In order to achieve the above object, according to an aspect of the embodiments of the present invention, a method for examining and approving a service is provided, including receiving a request for applying for service handling, determining an examination and approval mode, and triggering an examination and approval program corresponding to the mode; acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements; calling historical transaction data of the transaction party information according to the transaction party information in the service contract information; calling an external database interface to inquire external data of the transaction party information; and calling a judgment engine, matching a corresponding judgment model based on the request, further calculating to obtain a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, generating a reply file and outputting the reply file.
Optionally, after receiving the application service transaction request, the method includes:
acquiring the service type of the request, and calling a preset internal control compliance list;
and inquiring whether the user information exists in the internal control compliance list or not based on the requested user information, if so, outputting a message of failed request, and otherwise, determining an approval mode.
Optionally, after extracting corresponding information data based on a preset target service element, the method includes:
calling a preset verification model, and verifying the extracted information data;
and according to the verification result, matching a corresponding preset modification model to update the information data.
Optionally, configuring early warning information tables corresponding to the service element information data, the historical transaction data and the external data, and corresponding early warning interfaces respectively;
and calling corresponding early warning interfaces, respectively traversing the requested target service element information data, the historical transaction data and the external data, and sending an early warning prompt if the data in the corresponding early warning information table exists.
Optionally, after the business reasonability and authenticity judgment value is obtained through calculation, the method includes:
and if the evaluation value is larger than a preset evaluation threshold value, the request is approved, and a replication file is generated and output.
Optionally, after generating the reply file, the method includes:
and adjusting the examination and approval program and the judgment model in the business examination and approval according to the approval file.
In addition, the invention also provides a service approval device, which comprises an acquisition module, a processing module and an approval module, wherein the acquisition module is used for receiving the application service handling request, determining an approval mode and triggering an approval program corresponding to the mode; acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements; calling historical transaction data of the transaction party information according to the transaction party information in the service contract information; calling an external database interface to inquire external data of the transaction party information; and the processing module is used for calling a judgment engine, matching a corresponding judgment model based on the request, further calculating to obtain a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, and generating and outputting a reply file.
Optionally, after the obtaining module receives the application service handling request, the method includes:
acquiring the service type of the request, and calling a preset internal control compliance list;
and inquiring whether the user information exists in the internal control compliance list or not based on the requested user information, if so, outputting a message of failed request, and otherwise, determining an approval mode.
One embodiment of the above invention has the following advantages or benefits: the invention can optimize the information structure of bank acceptance and remittance declaration and meet the business development requirements; moreover, the automatic approval of the declaration of the low-risk bank acceptance bill service is realized, the service handling efficiency is greatly improved, and the human resource investment is reduced; the method helps to improve the service quality of the bank acceptance bill product, quickens the business handling efficiency, meets the actual requirements of customers and enables the business market exploitation capability. Meanwhile, the invention carries out approval judgment on the low-risk bank acceptance service based on historical data and industrial data, realizes continuous optimization of the model through machine learning, improves the quality and efficiency of the service, carries out batch customer screening, specialized division of labor and standardized operation, automatically generates declaration and scoring results, adopts patterned approval, effectively controls the risk, greatly improves the efficiency of the service flow, and meets the loan requirements of 'short, small, frequent, urgent and scattered' of small and micro enterprises.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic view of a main flow of a business approval method according to a first embodiment of the present invention;
FIG. 2 is a schematic diagram of the architecture of a business approval method according to a second embodiment of the present invention;
FIG. 3 is a schematic diagram of the main modules of a business approval apparatus according to an embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic view of a main flow of a business approval method according to a first embodiment of the present invention, as shown in fig. 1, the business approval method includes:
step S101, receiving a request for applying for business handling, determining an approval mode, and triggering an approval program corresponding to the mode.
In some embodiments, after receiving a request for transaction (e.g., a request for transaction of a bank draft), the type of transaction of the request may be obtained, and a pre-set internal control compliance list (e.g., a business blacklist) may be invoked. And then inquiring whether the user information exists in the internal control compliance list or not based on the requested user information, if so, outputting a message of failed request, and otherwise, determining an approval mode.
It should be noted that the approval mode may be selected according to the requested service type, that is, different service types correspond to different approval modes.
Step S102, acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements.
In some embodiments, after extracting the corresponding information data based on the preset target service element, a preset verification model may be invoked to verify the extracted information data. And then, according to the verification result, matching a corresponding preset modification model to update the information data. That is, in this embodiment, the integrity and correctness of the extracted information data may be checked, and then, different checking results are adopted to update the extracted information data by using the corresponding modification model.
Step S103, calling historical trading data of the trading party information according to the trading party information in the service contract information; and calling an external database interface to inquire external data of the transaction party information.
In a specific embodiment, if the request is for transacting the bank draft, the information of the transaction party in the service contract information is the information of the transaction parties, and then the historical transaction data of the transaction parties can be respectively retrieved.
The external data refers to whether conditions such as a trusted executor, an international organization sanction, an administrative violation and the like exist in both transaction parties, and can call transaction queries provided by other components.
And step S104, calling a judgment engine, matching a corresponding judgment model based on the request, further calculating to obtain a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, generating a reply file and outputting the reply file.
In some embodiments, after the business reasonableness and authenticity judgment value is obtained through calculation, whether the judgment value is larger than a preset judgment threshold value or not is judged, if yes, the request is approved, and a replication file is generated and output; and if not, generating and outputting the non-approval file. Of course, the request may be transferred to the human being if the approval is not passed.
It should be noted that, by using a preset judgment model, a business reasonableness and authenticity judgment value can be calculated and obtained based on each weight of the target business element information data, the historical transaction data and the external data, and each value of the target business element information data, the historical transaction data and the external data corresponding to the request. Wherein, each value of the target business element information data, the historical transaction data and the external data may be a value matching of the target business element information data, the historical transaction data and the external data based on a scoring rule.
In other embodiments, after the approval document is generated, the approval program, the judgment model, and the like in the business approval may be adjusted according to the approval document.
As some specific embodiments, the early warning information tables and corresponding early warning interfaces corresponding to the service element information data, the historical transaction data and the external data are configured respectively. Specifically, calling corresponding early warning interfaces, respectively traversing the requested target service element information data, historical transaction data and external data, judging whether data in a corresponding early warning information table exist, if so, sending an early warning prompt, and otherwise, not processing. For example: and calling an external data early warning interface, traversing judicial litigation information in an external data early warning information table included in the external data corresponding to the request, and sending an early warning prompt.
Fig. 2 is a schematic diagram of a main flow of a business approval method according to a first embodiment of the present invention, and as shown in fig. 2, the business approval method includes:
step S201, receiving a request for applying for service handling, obtaining the service type of the request, and calling a preset internal control compliance list.
Step S202, based on the requested user information, querying whether the user information exists in the internal control compliance list, if yes, performing step S203, and if not, performing step S204.
Step S203, output the message of request failure, and exit the process.
And step S204, determining an approval mode and triggering an approval program corresponding to the mode.
Step S205, acquiring the service declaration information and the service contract information, and extracting corresponding information data based on the preset target service element.
And step S206, calling a preset verification model, and verifying the extracted information data.
And step S207, according to the checking result, matching a corresponding preset modification model to update the information data.
Step S208, according to the information of the transaction party in the service contract information, calling the historical transaction data of the information of the transaction party; and calling an external database interface to inquire external data of the transaction party information.
And S209, calling a judgment engine, matching a corresponding judgment model based on the request, and further calculating to obtain a business reasonability and authenticity judgment value according to the updated target business element information data, historical transaction data and external data.
In step S210, it is determined whether the evaluation value is greater than a preset evaluation threshold, if so, step S211 is performed, otherwise, step S212 is performed.
And step S211, the request is approved, and an approval file is generated and output.
And step S212, generating and outputting a non-approval file if the request fails to be approved.
Fig. 3 is a schematic diagram of main modules of a business approval apparatus according to an embodiment of the present invention, and as shown in fig. 3, the business approval apparatus includes an obtaining module 301 and a processing module 302. The acquisition module 301 receives an application service transaction request, determines an approval mode, and triggers an approval program corresponding to the mode; acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements; calling historical transaction data of the transaction party information according to the transaction party information in the service contract information; calling an external database interface to inquire external data of the transaction party information; the processing module 302 calls a judgment engine, matches a corresponding judgment model based on the request, calculates a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, generates a reply file and outputs the reply file.
In some embodiments, after receiving the application transaction request, the obtaining module 301 includes:
acquiring the service type of the request, and calling a preset internal control compliance list;
and inquiring whether the user information exists in the internal control compliance list or not based on the requested user information, if so, outputting a message of failed request, and otherwise, determining an approval mode.
In some embodiments, after the obtaining module 301 extracts the corresponding information data based on the preset target service element, the obtaining module includes:
calling a preset verification model, and verifying the extracted information data;
and according to the verification result, matching a corresponding preset modification model to update the information data.
In some embodiments, the processing module 302 is further configured to:
respectively configuring early warning information tables corresponding to the service element information data, the historical transaction data and the external data and corresponding early warning interfaces;
and calling corresponding early warning interfaces, respectively traversing the requested target service element information data, the historical transaction data and the external data, and sending an early warning prompt if the data in the corresponding early warning information table exists.
In some embodiments, after the processing module 302 calculates the business justification and authenticity evaluation values, it includes:
and if the evaluation value is larger than a preset evaluation threshold value, the request is approved, and a replication file is generated and output.
In some embodiments, after the processing module 302 generates the reply file, it includes:
and adjusting the examination and approval program and the judgment model in the business examination and approval according to the approval file.
It should be noted that the service approval method and the service approval apparatus of the present invention have corresponding relationship in the specific implementation content, and therefore the repeated content is not described again.
Fig. 4 illustrates an exemplary system architecture 400 of a business approval method or a business approval apparatus to which an embodiment of the present invention may be applied.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405. The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 401, 402, 403 may be various electronic devices having a business approval screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 401, 402, 403. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the service approval method provided by the embodiment of the present invention is generally executed by the server 405, and accordingly, the computing device is generally disposed in the server 405.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM503, various programs and data necessary for the operation of the computer system 500 are also stored. The CPU501, ROM502, and RAM503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output section 507 including a display such as a Cathode Ray Tube (CRT), a liquid crystal service approver (LCD), and the like, and a speaker and the like; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an acquisition module and a processing module. Wherein the names of the modules do not in some cases constitute a limitation of the module itself.
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by the equipment, the equipment receives a request for applying for business handling, determines an approval mode, and triggers the corresponding approval program of the mode; acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements; calling historical transaction data of the transaction party information according to the transaction party information in the service contract information; calling an external database interface to inquire external data of the transaction party information; and calling a judgment engine, matching a corresponding judgment model based on the request, further calculating to obtain a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, generating a reply file and outputting the reply file.
According to the technical scheme of the embodiment of the invention, the problems of low approval efficiency and poor reliability of the existing transaction data can be solved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A business approval method is characterized by comprising the following steps:
receiving a request for applying for service handling, determining an approval mode, and triggering an approval program corresponding to the mode;
acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements;
calling historical transaction data of the transaction party information according to the transaction party information in the service contract information; calling an external database interface to inquire external data of the transaction party information;
and calling a judgment engine, matching a corresponding judgment model based on the request, further calculating to obtain a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, generating a reply file and outputting the reply file.
2. The method of claim 1, wherein receiving the application transaction request comprises:
acquiring the service type of the request, and calling a preset internal control compliance list;
and inquiring whether the user information exists in the internal control compliance list or not based on the requested user information, if so, outputting a message of failed request, and otherwise, determining an approval mode.
3. The method of claim 1, wherein after extracting the corresponding information data based on the preset target service element, the method comprises:
calling a preset verification model, and verifying the extracted information data;
and according to the verification result, matching a corresponding preset modification model to update the information data.
4. The method of claim 1, further comprising:
respectively configuring early warning information tables corresponding to the service element information data, the historical transaction data and the external data and corresponding early warning interfaces;
and calling corresponding early warning interfaces, respectively traversing the requested target service element information data, the historical transaction data and the external data, and sending an early warning prompt if the data in the corresponding early warning information table exists.
5. The method of claim 1, wherein calculating the business justification and authenticity rating values comprises:
and if the evaluation value is larger than a preset evaluation threshold value, the request is approved, and a replication file is generated and output.
6. The method of claim 6, wherein after generating the reply file, comprising:
and adjusting the examination and approval program and the judgment model in the business examination and approval according to the approval file.
7. A business approval apparatus, comprising:
the acquisition module is used for receiving an application service handling request, determining an approval mode and triggering an approval program corresponding to the mode; acquiring service declaration information and service contract information, and extracting corresponding information data based on preset target service elements; calling historical transaction data of the transaction party information according to the transaction party information in the service contract information; calling an external database interface to inquire external data of the transaction party information;
and the processing module is used for calling a judgment engine, matching a corresponding judgment model based on the request, further calculating to obtain a business reasonability and authenticity judgment value according to the target business element information data, the historical transaction data and the external data, and generating and outputting a reply file.
8. The apparatus of claim 7, wherein the obtaining module, after receiving the request for transaction of the application service, comprises:
acquiring the service type of the request, and calling a preset internal control compliance list;
and inquiring whether the user information exists in the internal control compliance list or not based on the requested user information, if so, outputting a message of failed request, and otherwise, determining an approval mode.
9. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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| CN112767162A (en) * | 2021-01-22 | 2021-05-07 | 中信银行股份有限公司 | Transaction processing method, device and storage medium |
| CN113095782A (en) * | 2021-04-12 | 2021-07-09 | 中国工商银行股份有限公司 | Automatic approval decision-making method and device |
| CN113159711A (en) * | 2021-03-25 | 2021-07-23 | 北京思特奇信息技术股份有限公司 | Optimized business rule execution method and system |
| CN113435843A (en) * | 2021-06-28 | 2021-09-24 | 平安信托有限责任公司 | Batch file generation method and device, electronic equipment and storage medium |
| CN113743903A (en) * | 2021-09-08 | 2021-12-03 | 平安信托有限责任公司 | Method and device for information automatic approval based on list, electronic equipment and medium |
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