CN112613988A - Method and device for generating credit investigation index information - Google Patents
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Abstract
The application discloses a method and a device for generating credit investigation index information, wherein the method comprises the following steps: and acquiring and storing a plurality of credit investigation messages. Reading the corresponding relation between the preset basic index number and the value source field, and reading the index value of the value source field from the target sign message. And establishing a corresponding relation between the basic index number and the index value as basic index information according to the corresponding relation between the basic index number and the value source field. And reading the corresponding relation between the preset derived index number and the index calculation formula. And calculating an index value corresponding to the index calculation formula according to the basic index information included in the target credit investigation message. And establishing a corresponding relation between the derived index number and an index value corresponding to the index calculation formula as derived index information according to the corresponding relation between the derived index number and the index calculation formula. And storing the basic index information and the derived index information into an index library. Based on the user requirements, the purpose of flexibly and autonomously customizing credit investigation index information of different scenes is achieved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for generating credit investigation indicator information.
Background
The credit investigation message is gradually becoming an 'economic identity card' which takes credit information as a core and reflects that an information subject obeys the same condition. And acquiring credit investigation index information based on the credit investigation message for a downstream system to use.
At present, the method of acquiring data content in credit investigation messages is to extract the required credit investigation data content after each product system acquires the credit investigation message, and then process the credit investigation data content. However, the processing logic is fixed in the code, and once the credit report file changes or the business rule is adjusted, the program change is required to be performed by technicians of the product system, which is time-consuming and labor-consuming.
Disclosure of Invention
In order to solve the technical problem, the application provides a method and a device for generating credit investigation indicator information, which are used for flexibly and autonomously generating the credit investigation indicator information.
In order to achieve the above purpose, the technical solutions provided in the embodiments of the present application are as follows:
the embodiment of the application provides a method for generating credit investigation index information, which comprises the following steps:
acquiring and storing a plurality of credit investigation messages;
reading a corresponding relation between a preset basic index number and a value source field, and reading an index value of the value source field from a target sign message; the target credit investigation message is each item in the credit investigation messages respectively;
establishing a corresponding relation between the basic index number and an index value of a value source field as basic index information included in the target credit investigation message according to the corresponding relation between the basic index number and the value source field;
reading a corresponding relation between a preset derived index number and an index calculation formula, wherein the index calculation formula is a calculation formula comprising the basic index number;
calculating an index value corresponding to the index calculation formula according to basic index information included in the target credit investigation message;
establishing a corresponding relation between a derived index number and an index value corresponding to an index calculation formula as derived index information included in the target credit investigation message according to the corresponding relation between the derived index number and the index calculation formula;
and storing the basic index information and the derived index information included in the credit investigation message into an index library.
Optionally, the obtaining and storing a plurality of credit investigation messages includes:
acquiring a plurality of credit investigation messages;
dividing the credit investigation messages acquired in the same target time period into the same part according to the acquisition time of the credit investigation messages, and respectively storing the credit investigation messages of each part; each target time period is a preset interval time period in each unit time period.
Optionally, the calculating an index value corresponding to the index calculation formula according to the basic index information included in the target credit investigation message includes:
when the index calculation formula comprises a first basic index number and a threshold value of the first basic index number, reading an index value of the first basic index number from the target credit investigation message, and generating an index value corresponding to the index calculation formula according to a judgment result of whether the index value of the first basic index number meets the threshold value;
when the index calculation formula comprises a plurality of second basic index numbers and an operation relation between the second basic index numbers, the index value of the second basic index number is read from the target credit investigation message, the index value of the second basic index number is subjected to operation corresponding to the operation relation, and the index value corresponding to the index calculation formula is calculated.
Optionally, the method further includes:
setting a basic index directory table according to service information, and acquiring a corresponding relation between the basic index number and a value source field from the basic index directory table;
setting a relation comparison table of derived indexes and basic indexes and a derived index directory table according to service information, acquiring basic index numbers corresponding to the derived index numbers from the relation comparison table of the derived indexes and the basic indexes, and acquiring a calculation formula of the basic index numbers corresponding to the derived index numbers from the derived index directory table so as to acquire a corresponding relation between the derived index numbers and the index calculation formula.
Optionally, each credit investigation message corresponds to a user identifier, and the method further includes:
acquiring an index information query request, wherein the index information query request comprises a user identifier to be queried;
and reading the basic index information and the derived index information included in the credit investigation message corresponding to the user identification to be inquired from the index library.
The embodiment of the present application further provides a device for generating credit investigation index information, where the device includes:
the first acquisition unit is used for acquiring and storing a plurality of credit investigation messages;
the first reading unit is used for reading the corresponding relation between the preset basic index number and the value source field and reading the index value of the value source field from the target sign message; the target credit investigation message is each item in the credit investigation messages respectively;
a first establishing unit, configured to establish, according to a corresponding relationship between the basic index number and a value source field, a corresponding relationship between the basic index number and an index value of the value source field as basic index information included in the target credit investigation message;
the second reading unit is used for reading the corresponding relation between a preset derivative index number and an index calculation formula, wherein the index calculation formula is a calculation formula comprising the basic index number;
the calculation unit is used for calculating an index value corresponding to the index calculation formula according to basic index information included in the target credit investigation message;
a second establishing unit, configured to establish, according to a correspondence between a derived indicator number and an indicator calculation formula, a correspondence between the derived indicator number and an indicator value corresponding to the indicator calculation formula as derived indicator information included in the target credit investigation message;
and the storage unit is used for storing the basic index information and the derived index information included in the credit investigation message into an index library.
Optionally, the obtaining unit includes:
the acquiring subunit is used for acquiring a plurality of credit investigation messages;
the storage subunit is used for dividing the credit investigation messages acquired in the same target time period into the same part according to the acquisition time of the credit investigation messages, and respectively storing the credit investigation messages of each part; each target time period is a preset interval time period in each unit time period.
Optionally, the computing unit includes:
a generating subunit, configured to, when the index calculation formula includes a first basic index number and a threshold of the first basic index number, read an index value of the first basic index number from the target credit investigation report, and generate an index value corresponding to the index calculation formula according to a determination result of whether the index value of the first basic index number satisfies the threshold;
and the calculating subunit is configured to, when the index calculation formula includes a plurality of second basic index numbers and an operation relationship between the second basic index numbers, read an index value of the second basic index number from the target credit investigation message, perform an operation corresponding to the operation relationship on the index value of the second basic index number, and calculate to obtain an index value corresponding to the index calculation formula.
Optionally, the apparatus further comprises:
the first setting unit is used for setting a basic index directory table according to service information and acquiring the corresponding relation between the basic index number and a value source field from the basic index directory table;
the second setting unit is used for setting a correlation table of the derived indexes and the basic indexes and a derived index directory table according to the service information, acquiring the basic index numbers corresponding to the derived index numbers from the correlation table of the derived indexes and the basic indexes, and acquiring the calculation formulas of the basic index numbers corresponding to the derived index numbers from the derived index directory table so as to acquire the corresponding relations between the derived index numbers and the index calculation formulas.
Optionally, each credit investigation message corresponds to a user identifier, and the apparatus further includes:
the second acquisition unit is used for acquiring an index information query request, and the index information query request comprises a user identifier to be queried;
and the third reading unit is used for reading the basic index information and the derived index information included in the credit investigation message corresponding to the user identifier to be inquired from the index library.
According to the technical scheme, the method has the following beneficial effects:
the embodiment of the application provides a method and a device for generating credit investigation index information, wherein the method comprises the following steps: and acquiring and storing a plurality of credit investigation messages. Reading a corresponding relation between a preset basic index number and a value source field, and reading an index value of the value source field from a target sign message; the target credit investigation message is each one of the credit investigation messages. And establishing a corresponding relation between the basic index number and the index value of the value source field as basic index information included by the target credit investigation message according to the corresponding relation between the basic index number and the value source field. Reading the corresponding relation between the preset derived index number and an index calculation formula, wherein the index calculation formula is a calculation formula comprising a basic index number. And calculating an index value corresponding to the index calculation formula according to the basic index information included in the target credit investigation message. And establishing a corresponding relation between the derived index number and an index value corresponding to the index calculation formula as derived index information included in the target credit investigation message according to the corresponding relation between the derived index number and the index calculation formula. And storing the basic index information and the derived index information included in the credit investigation message into an index library. And acquiring a basic index number and a corresponding index value from the credit message to generate basic index information and acquiring a derivative index number and a corresponding index value to generate derivative index information based on user requirements. And acquiring credit investigation index information through the basic index information and the derived index information. The credit investigation index information is credit investigation data which is customized by the user according to the requirement, and the purpose of flexibly acquiring the credit investigation index information of different scenes is achieved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flowchart of a method for generating credit investigation indicator information according to an embodiment of the present disclosure;
fig. 2 is a schematic diagram of an apparatus for generating credit investigation indicator information according to an embodiment of the present disclosure.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, embodiments accompanying the drawings are described in detail below.
Referring to fig. 1, fig. 1 is a flowchart of a method for generating credit investigation indicator information according to an embodiment of the present application. As shown in fig. 1, the method comprises the following steps S101-S107:
s101: and acquiring and storing a plurality of credit investigation messages.
And acquiring and storing a plurality of credit investigation messages. As an example, a plurality of credit messages are obtained and saved from an external authority. Wherein, the credit investigation message is an xml-form credit investigation message.
In specific implementation, obtaining and storing a plurality of credit investigation messages comprises:
acquiring a plurality of credit investigation messages;
dividing the credit investigation messages acquired in the same target time period into the same part according to the acquisition time of the credit investigation messages, and respectively storing the credit investigation messages of each part; each target time period is a preset interval time period in each unit time period.
After acquiring the xml credit report from the external organization, the xml credit report is buffered for a certain period of time for sufficient multiplexing. In order to facilitate reading after caching, when a file is stored, the problem of file storage distribution inclination is solved, the credit investigation messages acquired in the same target time period are divided into the same part according to the acquisition time of the credit investigation messages, and the credit investigation messages of each part are respectively stored, namely, the storage mode of time slices is adopted. For example, under a file storage root directory, 60 sub-directories are constructed according to dates, and distributed storage is performed according to the time point of message acquisition, for example, under the directory of/file/20200520/1, files generated between 1 point 1 and 2 points, between 2 points 1 and 2 points, between 3 points 1 and 2 points, and the like, on 20 days of 5 months in 2020 are stored.
S102: reading a corresponding relation between a preset basic index number and a value source field, and reading an index value of the value source field from a target sign message; the target credit investigation message is each one of the credit investigation messages.
After the credit investigation message is stored, reading the corresponding relation between the preset basic index number and the value source field, and reading the index value of the value source field from the target credit investigation message; the target credit investigation message is each one of the credit investigation messages. As an example, the basic indicators are sex, age, amount, and the like. The basic indexes all have corresponding basic index numbers, and the basic index numbers are used for representing the basic indexes. The base index number corresponds to the index value. The number of the basic index corresponds to the value source field, and the value source field is used for acquiring the index value corresponding to the number of the basic index from the sign message.
It should be noted that, if basic index information in the credit investigation message needs to be acquired, the credit investigation messages are processed respectively. The process is a process of customizing for a user. As an example, the user is a business person. That is, the process of reading the corresponding relationship is to read according to the customization requirement of the service personnel. The read preset basic index number, the value source field and the corresponding relation between the two are needed by business personnel to customize the content. It can be understood that the user customizes the corresponding basic index information according to the application of the downstream system.
It should be noted that, the preset corresponding relationship between the basic index number and the value source field is read from the basic index target table. The basic index target table is preset, and the basic index directory table is placed in the basic index library. As shown in table 1, table 1 is an example of a base index table. The basic index target table comprises a value source field, Chinese names corresponding to the value source field and some corresponding samples.
In specific implementation, in order to meet high-concurrency reading requirements, the basic index number, the value source field and the corresponding relation between the basic index number and the value source field in the basic index target table are converted into the key value pair of the basic index number and the value source field, and the key value pair is cached in the memory data to be called by a subsequent general credit investigation message analysis program, so that the preset corresponding relation between the basic index number and the value source field is read, and the index value of the value source field is read from the target credit investigation message.
In addition, a basic index directory table is set according to the service information, and the corresponding relation between the basic index number and the value source field is obtained from the basic index directory table. It is understood that the service information is information that the service person is interested in, for example, the loan amount of the customer in the month.
TABLE 1 basic index catalog representation example
| Value source field | Name of Chinese | Sample examples |
| IndexID_O | Index number | PZ0000 |
| IndexName_O | Index name | Repayment of cycle loan in the last 6 months |
| State | Status of state | 1 (cited) |
| IndexProcess_O | Source of value | PC02GJ03 |
S103: and establishing a corresponding relation between the basic index number and the index value of the value source field as basic index information included by the target credit investigation message according to the corresponding relation between the basic index number and the value source field.
After the index value of the value source field is obtained, according to the corresponding relation between the basic index number and the value source field, the corresponding relation between the basic index number and the index value of the value source field is established as the basic index information included in the target credit investigation message. As an example, the basic index information is basic index information that is customized and configured by a user according to an application of a downstream system.
S104: reading the corresponding relation between the preset derived index number and an index calculation formula, wherein the index calculation formula is a calculation formula comprising a basic index number.
After the credit investigation message is stored, reading the corresponding relation between the preset derived index number and the index calculation formula. It can be understood that the preset derived index number corresponds to the index calculation formula, and since the derived index number is used for representing the derived index, the derived index corresponds to the index calculation formula. Wherein, the index calculation formula is a calculation formula comprising a basic index number.
In specific implementation, the basic index number corresponding to the derived index number is obtained from the comparison table of the derived index and the basic index, and the calculation formula of the basic index number corresponding to the derived index number is obtained from the derived index catalogue table, so as to obtain the corresponding relation between the derived index number and the index calculation formula. It should be noted that, a correlation table of the derived index and the basic index and a derived index directory table are set according to the service information. Namely, the relationship comparison table of the derived index and the basic index and the derived index directory table are set in advance according to the service information.
As an example, the index calculation formula includes a first base index number and a threshold value of the first base index number. At this time, the derived index is data conversion of a basic index, and can be used for setting or updating a threshold value, and the like, the data conversion rule is converted into an index calculation formula, and a key value pair of the derived index number and the index calculation formula is generated for being called by a general credit report analysis program. For example, see tables 2 and 3, table 2 is an example of a table for a relationship between the derived index and the base index, and table 3 is an example of a table for a catalog of derived indices. The number of the basic index is PZ0001, and the basic index represents the continuous maximum overdue number of outstanding loans within 24 months. The derived index number is PJ0001, the derived index indicates whether the outstanding loan is over 3 continuous overdue within 24 months, and the threshold value is 3. The index calculation formula of the derivation index corresponding to the derivation index number PJ0001 is PZ0001> 3. It should be noted that different scene threshold requirements are different, and different thresholds can be set for the basic index to generate a new derived index. In addition, data conversion with the derived index as a basic index can also be used for date conversion.
TABLE 2 comparative examples of the relationship between derived index and basic index
| Name of field | Name of Chinese | Sample examples |
| IndexID_D | Number of derived index | PJ0001 |
| IndexID_O | Base index numbering | PZ0001 |
| State | Status of state | 1 (cited) |
TABLE 3 list of derived indices
| Name of field | Name of Chinese | Sample examples |
| IndexID_O | Index number | PJ0001 |
| IndexName_O | Index name | Connecting 3 |
| IndexProcess_O | Description of processing logic | Whether there are over 3 continuous overdue loans within 24 months |
| IndexExpress_O | Index calculation formula | Func1(PZ0001>3) |
As an example, the index calculation formula includes a plurality of second base index numbers and an operational relationship between the second base index numbers. At this time, the derived index is a polymerization among a plurality of basic indexes, and can be used for deriving a new index by performing a polymerization operation on the plurality of indexes, the related operations include addition, subtraction, multiplication, division, and, or, negation and the like, a specific operation rule can be selected according to needs to generate an index calculation formula, and a key value pair of the derived index and the index calculation formula is generated for calling a general credit message analysis program. For example, see tables 4 and 5, table 4 is an example of a table for a relationship between the derived index and the base index, and table 5 is an example of a table for a catalog of derived indices. The number of the derived indexes is PJ0002, and the meaning of the derived indexes is the number of the latest monthly queries. The aggregation may be performed by a plurality of second base indicators. In this case, the calculation formula corresponding to the derived index number includes a plurality of second basic index numbers and the calculation relationship between the second basic index numbers, for example, the second basic index numbers are PZ0002 (the number of inquiry times of loan approval in the last 1 month), PZ0003 (the number of inquiry times of credit card approval in the last 1 month) and PZ0004 (the number of inquiry times of the person in the last 1 month), and the calculation relationship between the second basic index numbers is an addition. The index calculation formula of the derivative index corresponding to the derivative index number is PZ0002+ PZ0003+ PZ 0004.
TABLE 4 comparative examples of the relationship between derived index and basic index
| Name of field | Name of Chinese | Example 1 | Example 2 | Example 3 |
| IndexID_D | Number of derived index | PJ0002 | PJ0002 | PJ0002 |
| IndexID_O | Base index numbering | PZ0002 | PZ0003 | PZ0004 |
| State | Status of state | 1 (cited) | 1 (cited) | 1 (cited) |
Table 5 table of derivation indices
In specific implementation, data conversion (for example, setting or updating of a threshold value, conversion of a date) of one basic index or aggregation among a plurality of basic indexes is realized by constructing an index derivative general program, the index derivative general program is deployed on a data customization platform server cluster, and a user can customize on the platform. And recording the dependence basis of the customized derivative indexes on the basic indexes by the user through a relation comparison table of the derivative indexes and the basic indexes. And recording the index calculation formula of the customized derivative index through a derivative index catalogue table. In specific implementation, in order to meet the high-concurrency reading requirement, the derived index number and the index calculation formula are converted into key value pairs, and the key value pairs are cached in the memory database and used for calling the constructed general credit investigation message analysis program to generate the customized derived index.
S105: and calculating an index value corresponding to the index calculation formula according to the basic index information included in the target credit investigation message.
And after reading the corresponding relation between the preset derived index number and the index calculation formula, calculating the index value corresponding to the index calculation formula according to the basic index information included in the target credit investigation message. Namely, the index value corresponding to the index calculation formula is calculated according to the basic index information number and the index value.
In some embodiments, when the index calculation formula includes a first base index number and a threshold of the first base index number, the index value of the first base index number is read from the target token message, and the index value corresponding to the index calculation formula is generated according to the determination result of whether the index value of the first base index number satisfies the threshold. For example, by setting the threshold to 3, it is determined whether the index calculation formula PZ0001 is greater than 3, and the index value of the derived index, that is, the index value corresponding to the index calculation formula, can be obtained. As an example, when it is larger than 3, the index value is 1, and when it is not larger than 3, the index value is 0.
In some embodiments, when the index calculation formula includes a plurality of second base index numbers and an operation relationship between the second base index numbers, the index value of the second base index number is read from the target token message, the index value of the second base index number is subjected to an operation corresponding to the operation relationship, and the index value corresponding to the index calculation formula is calculated. For example, a value of PZ0002+ PZ0003+ PZ0004 is calculated, and this value is an index value corresponding to the index calculation formula.
S106: and establishing a corresponding relation between the derived index number and an index value corresponding to the index calculation formula as derived index information included in the target credit investigation message according to the corresponding relation between the derived index number and the index calculation formula.
After the index value corresponding to the index calculation formula is obtained, according to the corresponding relation between the derived index number and the index calculation formula, the corresponding relation between the derived index number and the index value corresponding to the index calculation formula is established as the derived index information included in the target credit investigation message. As an example, the derived index information is derived index information that is customized and configured by a user according to an application of a downstream system.
S107: and storing the basic index information and the derived index information included in the credit investigation message into an index library.
After the basic index information and the derived index information are obtained, the basic index information and the derived index information included in the credit investigation message are stored in an index library for a downstream system to use. It should be noted that the basic index information and the derived index information are customized and placed in the index library by the user, such as a service person.
In specific implementation, after a plurality of credit investigation messages are stored, if a user, such as a service person, needs to acquire required credit investigation index information/credit investigation data according to the credit investigation messages, the required credit investigation index information/credit investigation data can be acquired through a customized means. Specifically, a data service customization program is constructed and distributed to a data customization platform server cluster, a user can customize data service contents through the platform, the data service contents are mainly customized through an index set, and one index set can comprise one or more basic indexes or derivative indexes. After the index set is customized, the user finally obtains the index value corresponding to the index set and the index set. By the method, the content service requirements of different users under different scenes can be flexibly met, and the content service requirements can be determined and changed as required. For example, in the survey link of a product in the individual loan, the index set customized according to the needs is PS0001, and the index set corresponds to three indexes PZ0001, PJ0001, and PJ0002, so that the scene actually customizes the contents of the 3 indexes. It should be noted that the basic index information and the derived index information included in the credit investigation message obtained in this step are index values corresponding to the customized index set and the index set.
In addition, a gray level environment is established, and the user can conveniently perform online verification on the customized derivative indexes, index sets and other result data by establishing the gray level environment, so that the customized data is ensured to be accurate and then put into production formally. The gray scale environment is mainly provided with a basic index analysis program, a derivative index processing program and a result display program of an index and an index set.
In addition, the service providing cluster can issue a uniform interface service for each downstream system to call in advance, after the user completes the verification of the customized index and index set result in the gray scale environment, a basic index analysis program and a derivative index processing program in the gray scale environment are formally issued to the service providing cluster, and relevant customized data, including relevant table data such as basic indexes, derivative indexes and index sets, are synchronized into a data table corresponding to the production environment, so far, credit investigation data customized by the user on a credit investigation customizing platform can formally provide the customized data service for a business system to which the user belongs through a preset uniform service interface.
It should be noted that the information in the index library is the basic index information and the derived index information of a plurality of credit investigation messages customized by the user. The plurality of credit investigation messages correspond to a plurality of clients, each credit investigation message corresponds to one client, each credit investigation message corresponds to a user identification, and the user identification is used for representing the client. After the basic index information and the derived index information included in the credit investigation message are stored in the index library, if the basic index information and the derived index information corresponding to a certain credit investigation message need to be queried, the method can be implemented by the following steps:
acquiring an index information query request, wherein the index information query request comprises a user identifier to be queried;
and reading basic index information and derived index information included in the credit investigation message corresponding to the user identification to be inquired from the index library.
By the method for generating the credit investigation index information, a credit investigation data customization scheme which is flexible and can be autonomously configured and operated by business personnel is realized under the condition of being friendly to business users. When the product system is newly built or credit report changes and business rules are adjusted after the product system is built, the workload of technicians and business personnel of the product system is obviously reduced, and the business continuity and stability of the product system are effectively guaranteed.
Referring to fig. 2, fig. 2 is a schematic diagram of an apparatus for generating credit investigation indicator information according to an embodiment of the present application, where the apparatus includes:
a first obtaining unit 201, configured to obtain and store a plurality of credit investigation messages;
a first reading unit 202, configured to read a corresponding relationship between a preset basic index number and a value source field, and read an index value of the value source field from a target sign message; the target credit investigation message is each item in the credit investigation messages respectively;
a first establishing unit 203, configured to establish, according to a corresponding relationship between the basic index number and a value source field, a corresponding relationship between the basic index number and an index value of the value source field as basic index information included in the target credit investigation message;
a second reading unit 204, configured to read a corresponding relationship between a preset derived index number and an index calculation formula, where the index calculation formula is a calculation formula including the basic index number;
a calculating unit 205, configured to calculate an index value corresponding to the index calculation formula according to basic index information included in the target credit investigation message;
a second establishing unit 206, configured to establish, according to a corresponding relationship between a derived indicator number and an indicator calculation formula, a corresponding relationship between the derived indicator number and an indicator value corresponding to the indicator calculation formula as derived indicator information included in the target credit investigation message;
a storing unit 207, configured to store the basic index information and the derived index information included in the credit investigation report in an index library.
Optionally, in some implementations of embodiments of the present application, the first obtaining unit 201 includes:
the acquiring subunit is used for acquiring a plurality of credit investigation messages;
the storage subunit is used for dividing the credit investigation messages acquired in the same target time period into the same part according to the acquisition time of the credit investigation messages, and respectively storing the credit investigation messages of each part; each target time period is a preset interval time period in each unit time period.
Optionally, in some implementations of embodiments of the present application, the calculating unit 205 includes:
a generating subunit, configured to, when the index calculation formula includes a first basic index number and a threshold of the first basic index number, read an index value of the first basic index number from the target credit investigation report, and generate an index value corresponding to the index calculation formula according to a determination result of whether the index value of the first basic index number satisfies the threshold;
and the calculating subunit is configured to, when the index calculation formula includes a plurality of second basic index numbers and an operation relationship between the second basic index numbers, read an index value of the second basic index number from the target credit investigation message, perform an operation corresponding to the operation relationship on the index value of the second basic index number, and calculate to obtain an index value corresponding to the index calculation formula.
Optionally, in some implementations of embodiments of the present application, the apparatus further includes:
the first setting unit is used for setting a basic index directory table according to service information and acquiring the corresponding relation between the basic index number and a value source field from the basic index directory table;
the second setting unit is used for setting a correlation table of the derived indexes and the basic indexes and a derived index directory table according to the service information, acquiring the basic index numbers corresponding to the derived index numbers from the correlation table of the derived indexes and the basic indexes, and acquiring the calculation formulas of the basic index numbers corresponding to the derived index numbers from the derived index directory table so as to acquire the corresponding relations between the derived index numbers and the index calculation formulas.
Optionally, in some implementations of the embodiment of the present application, each credit investigation message corresponds to a user identifier, and the apparatus further includes:
the second acquisition unit is used for acquiring an index information query request, and the index information query request comprises a user identifier to be queried;
and the third reading unit is used for reading the basic index information and the derived index information included in the credit investigation message corresponding to the user identifier to be inquired from the index library.
By the device for generating the credit investigation index information, the plurality of credit investigation messages are obtained and stored. Reading a corresponding relation between a preset basic index number and a value source field, and reading an index value of the value source field from a target sign message; the target credit investigation message is each one of the credit investigation messages. And establishing a corresponding relation between the basic index number and the index value of the value source field as basic index information included by the target credit investigation message according to the corresponding relation between the basic index number and the value source field. Reading the corresponding relation between the preset derived index number and an index calculation formula, wherein the index calculation formula is a calculation formula comprising a basic index number. And calculating an index value corresponding to the index calculation formula according to the basic index information included in the target credit investigation message. And establishing a corresponding relation between the derived index number and an index value corresponding to the index calculation formula as derived index information included in the target credit investigation message according to the corresponding relation between the derived index number and the index calculation formula. And storing the basic index information and the derived index information included in the credit investigation message into an index library. And acquiring a basic index number and a corresponding index value from the credit message to generate basic index information and acquiring a derivative index number and a corresponding index value to generate derivative index information based on user requirements. And acquiring credit investigation index information through the basic index information and the derived index information. The credit investigation index information is credit investigation data which is customized by the user according to the requirement, and the purpose of flexibly acquiring the credit investigation index information of different scenes is achieved.
As can be seen from the above description of the embodiments, those skilled in the art can clearly understand that all or part of the steps in the above embodiment methods can be implemented by software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network communication device such as a media gateway, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The method disclosed by the embodiment corresponds to the system disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the system part for description.
It should also 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 identical elements in a process, method, article, or apparatus that comprises the element.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method for generating credit investigation indicator information, the method comprising:
acquiring and storing a plurality of credit investigation messages;
reading a corresponding relation between a preset basic index number and a value source field, and reading an index value of the value source field from a target sign message; the target credit investigation message is each item in the credit investigation messages respectively;
establishing a corresponding relation between the basic index number and an index value of a value source field as basic index information included in the target credit investigation message according to the corresponding relation between the basic index number and the value source field;
reading a corresponding relation between a preset derived index number and an index calculation formula, wherein the index calculation formula is a calculation formula comprising the basic index number;
calculating an index value corresponding to the index calculation formula according to basic index information included in the target credit investigation message;
establishing a corresponding relation between a derived index number and an index value corresponding to an index calculation formula as derived index information included in the target credit investigation message according to the corresponding relation between the derived index number and the index calculation formula;
and storing the basic index information and the derived index information included in the credit investigation message into an index library.
2. The method of claim 1, wherein the obtaining and storing the plurality of credit investigation messages comprises:
acquiring a plurality of credit investigation messages;
dividing the credit investigation messages acquired in the same target time period into the same part according to the acquisition time of the credit investigation messages, and respectively storing the credit investigation messages of each part; each target time period is a preset interval time period in each unit time period.
3. The method according to claim 1, wherein the calculating an index value corresponding to the index calculation formula according to the basic index information included in the target credit investigation message comprises:
when the index calculation formula comprises a first basic index number and a threshold value of the first basic index number, reading an index value of the first basic index number from the target credit investigation message, and generating an index value corresponding to the index calculation formula according to a judgment result of whether the index value of the first basic index number meets the threshold value;
when the index calculation formula comprises a plurality of second basic index numbers and an operation relation between the second basic index numbers, the index value of the second basic index number is read from the target credit investigation message, the index value of the second basic index number is subjected to operation corresponding to the operation relation, and the index value corresponding to the index calculation formula is calculated.
4. The method of claim 1, further comprising:
setting a basic index directory table according to service information, and acquiring a corresponding relation between the basic index number and a value source field from the basic index directory table;
setting a relation comparison table of derived indexes and basic indexes and a derived index directory table according to service information, acquiring basic index numbers corresponding to the derived index numbers from the relation comparison table of the derived indexes and the basic indexes, and acquiring a calculation formula of the basic index numbers corresponding to the derived index numbers from the derived index directory table so as to acquire a corresponding relation between the derived index numbers and the index calculation formula.
5. The method of claim 1, wherein each of the credit messages corresponds to a subscriber identity, the method further comprising:
acquiring an index information query request, wherein the index information query request comprises a user identifier to be queried;
and reading the basic index information and the derived index information included in the credit investigation message corresponding to the user identification to be inquired from the index library.
6. An apparatus for generating credit investigation indicator information, the apparatus comprising:
the first acquisition unit is used for acquiring and storing a plurality of credit investigation messages;
the first reading unit is used for reading the corresponding relation between the preset basic index number and the value source field and reading the index value of the value source field from the target sign message; the target credit investigation message is each item in the credit investigation messages respectively;
a first establishing unit, configured to establish, according to a corresponding relationship between the basic index number and a value source field, a corresponding relationship between the basic index number and an index value of the value source field as basic index information included in the target credit investigation message;
the second reading unit is used for reading the corresponding relation between a preset derivative index number and an index calculation formula, wherein the index calculation formula is a calculation formula comprising the basic index number;
the calculation unit is used for calculating an index value corresponding to the index calculation formula according to basic index information included in the target credit investigation message;
a second establishing unit, configured to establish, according to a correspondence between a derived indicator number and an indicator calculation formula, a correspondence between the derived indicator number and an indicator value corresponding to the indicator calculation formula as derived indicator information included in the target credit investigation message;
and the storage unit is used for storing the basic index information and the derived index information included in the credit investigation message into an index library.
7. The apparatus of claim 6, wherein the first obtaining unit comprises:
the acquiring subunit is used for acquiring a plurality of credit investigation messages;
the storage subunit is used for dividing the credit investigation messages acquired in the same target time period into the same part according to the acquisition time of the credit investigation messages, and respectively storing the credit investigation messages of each part; each target time period is a preset interval time period in each unit time period.
8. The apparatus of claim 6, wherein the computing unit comprises:
a generating subunit, configured to, when the index calculation formula includes a first basic index number and a threshold of the first basic index number, read an index value of the first basic index number from the target credit investigation report, and generate an index value corresponding to the index calculation formula according to a determination result of whether the index value of the first basic index number satisfies the threshold;
and the calculating subunit is configured to, when the index calculation formula includes a plurality of second basic index numbers and an operation relationship between the second basic index numbers, read an index value of the second basic index number from the target credit investigation message, perform an operation corresponding to the operation relationship on the index value of the second basic index number, and calculate to obtain an index value corresponding to the index calculation formula.
9. The apparatus of claim 6, further comprising:
the first setting unit is used for setting a basic index directory table according to service information and acquiring the corresponding relation between the basic index number and a value source field from the basic index directory table;
the second setting unit is used for setting a correlation table of the derived indexes and the basic indexes and a derived index directory table according to the service information, acquiring the basic index numbers corresponding to the derived index numbers from the correlation table of the derived indexes and the basic indexes, and acquiring the calculation formulas of the basic index numbers corresponding to the derived index numbers from the derived index directory table so as to acquire the corresponding relations between the derived index numbers and the index calculation formulas.
10. The apparatus of claim 6, wherein each credit message corresponds to a subscriber identity, the apparatus further comprising:
the second acquisition unit is used for acquiring an index information query request, and the index information query request comprises a user identifier to be queried;
and the third reading unit is used for reading the basic index information and the derived index information included in the credit investigation message corresponding to the user identifier to be inquired from the index library.
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