CN112634025A - Wind control rule generation method, device, equipment and computer readable storage medium - Google Patents
Wind control rule generation method, device, equipment and computer readable storage medium Download PDFInfo
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Abstract
The embodiment of the invention provides a method for generating a wind control rule, which comprises the steps of obtaining loan product data, a source channel and a plurality of user data according to a loan service request, wherein the source channel is a channel for accessing a consumer financial system by a user; acquiring a first wind control rule set according to product type data in the loan product data; acquiring a plurality of target user labels according to a plurality of user data and source channels; extracting a second wind control rule set from the first wind control rule set according to the plurality of target user tags; and adjusting the second wind control rule set according to a plurality of historical loan parameters corresponding to the second wind control rule set to obtain a target wind control rule set. The method flexibly configures the wind control rule set through the loan product data, the user data, the source channel and the multi-dimensional data of the historical loan parameters, and meets the requirement of fine configuration of the wind control rules of loan clients from multiple dimensions for wind control business.
Description
Technical Field
The embodiment of the invention relates to the technical field of big data, in particular to a method and a device for generating a wind control rule, computer equipment and a computer readable storage medium.
Background
At present, in the field of consumption finance, changes of wind control rules cannot be estimated, and the quick support for changes of the wind control rules is the core competitiveness of a company and quickly supports changes of wind control policies, so that on one hand, the requirements of the state on compliance can be better met, the risk on compliance is avoided, and on the other hand, customers can be better served. The existing wind control rules are generally that corresponding wind control rules are defined for a guest group to which a loan client belongs; and adopting a unified wind control rule to realize risk control on the loan clients. However, the existing method for configuring the uniform wind control rules for the same type of loan clients ignores the difference of each loan client, and cannot meet the requirement of refining the configuration of the wind control rules of the loan clients.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and an apparatus for generating a wind control rule, a computer device, and a computer-readable storage medium, which are used to solve the problem that the configuration of the wind control rule of a loan client cannot be refined when a uniform wind control rule configuration is performed for the same type of loan client.
The embodiment of the invention solves the technical problems through the following technical scheme:
a method for generating a wind control rule comprises the following steps:
according to the loan service request, obtaining loan product data, a source channel and a plurality of user data, wherein the source channel is a channel for accessing a consumer financial system by a user;
obtaining a first wind control rule set according to product type data in the loan product data;
acquiring a plurality of user tags according to the plurality of user data;
extracting a plurality of target user tags from the plurality of user tags according to the source channel;
extracting a second wind control rule set from the first wind control rule set according to the target user tags;
obtaining a plurality of historical loan parameters corresponding to the second wind control rule set; and
and adjusting the second wind control rule set according to a plurality of historical loan parameters corresponding to the second wind control rule set to obtain a target wind control rule set.
Optionally, the step of obtaining a first set of wind control rules according to the product type data in the loan product data includes:
extracting product type data from the loan product data;
acquiring a type of wind control rule set corresponding to the product type data;
obtaining a target customer group corresponding to the product content data according to the product content data of the loan product data;
acquiring a plurality of guest group tags of the target guest group; and
and extracting a first wind control rule set from the class of wind control rule sets according to the plurality of guest group labels of the target guest group.
Optionally, the step of adjusting the second wind control rule set according to a plurality of historical loan parameters corresponding to the second wind control rule set to obtain a target wind control rule set includes:
when the plurality of historical loan parameters corresponding to the second wind control rule set comprise early warning identifications, generating a wind control rule updating instruction according to the early warning identifications; and
and updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set.
Optionally, when the plurality of historical loan parameters corresponding to the second set of wind control rules include an early warning identifier, the step of generating a wind control rule update instruction according to the early warning identifier includes:
when the early warning identification is a first early warning identification, determining a second wind control rule corresponding to the first early warning identification;
generating a wind control rule version switching instruction according to the first early warning identifier, wherein the wind control rule version switching instruction is a wind control rule updating instruction;
correspondingly, the step of updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set includes:
acquiring a first version number and a second version number corresponding to the second wind control rule according to the wind control rule version switching instruction, wherein the time of the second version number is earlier than that of the first version number;
and replacing a second wind control rule corresponding to the first version number with a second wind control rule corresponding to the second version number according to the wind control rule version switching instruction to obtain the target wind control rule set, wherein the target wind control rule set comprises the second wind control rule corresponding to the second version number.
Optionally, when the plurality of historical loan parameters corresponding to the second set of wind control rules include an early warning identifier, the step of generating a wind control rule update instruction according to the early warning identifier includes:
when the early warning identification is a second early warning identification, determining the early warning content of a second wind control rule corresponding to the second early warning identification;
generating an early warning content locking instruction according to the second early warning identifier, wherein the early warning content locking instruction is the wind control rule updating instruction;
correspondingly, the step of updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set includes:
and locking the early warning content in the second wind control rule according to the early warning content locking instruction to obtain a target wind control rule set, wherein the target wind control rule set comprises the second wind control rule of the locked early warning content.
Optionally, the step of obtaining loan product data, a source channel, and a plurality of user data according to the loan service request includes:
obtaining loan product data and a source channel from the loan service request;
generating a user data request instruction according to the loan service request, wherein the data request instruction comprises an acquisition sequence rule of data field names;
and receiving a plurality of user data sent by an external server in response to the user data request instruction, wherein the plurality of user data are obtained by orderly inquiring the external server according to the acquisition sequence rule of the data field names.
Optionally, after the step of adjusting the second set of wind control rules according to the plurality of historical loan parameters corresponding to the second set of wind control rules to obtain the target set of wind control rules, the method includes:
storing the target set of wind control rules in a blockchain.
In order to achieve the above object, an embodiment of the present invention further provides a wind control rule generating device, including:
the system comprises a data acquisition module, a loan transaction processing module and a loan transaction processing module, wherein the data acquisition module is used for acquiring loan product data, a source channel and a plurality of user data according to a loan transaction request, and the source channel is a channel for accessing a consumer financial system by a user;
the first rule acquisition module is used for acquiring a first wind control rule set according to the product type data in the loan product data;
the label obtaining module is used for obtaining a plurality of user labels according to the plurality of user data;
the target label extraction module is used for extracting a plurality of target user labels from the user labels according to the source channel;
the second rule acquisition module is used for extracting a second wind control rule set from the first wind control rule set according to the target user tags;
the parameter acquisition module is used for acquiring a plurality of historical loan parameters corresponding to the second wind control rule set; and
and the wind control rule generating module is used for adjusting the second wind control rule set according to a plurality of historical loan parameters corresponding to the second wind control rule set so as to obtain a target wind control rule set.
In order to achieve the above object, an embodiment of the present invention further provides a computer device, where the computer device includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the steps of the wind control rule generation method as described above when executing the computer program.
In order to achieve the above object, an embodiment of the present invention further provides a computer-readable storage medium, in which a computer program is stored, where the computer program is executable by at least one processor, so as to cause the at least one processor to execute the steps of the wind control rule generation method as described above.
According to the method, the device, the computer equipment and the computer readable storage medium for generating the wind control rule, provided by the embodiment of the invention, a first wind control rule set is obtained according to product type data in the loan product data; determining a plurality of target user labels according to the plurality of user data and source channels; acquiring a second wind control rule set according to the plurality of target user tags; adjusting the second wind control rule set according to a plurality of historical loan parameters to obtain a target wind control rule set; according to the method, the wind control rule set is flexibly configured through the loan product data, the user data, the source channel and the multi-dimensional data of the historical loan parameters, the wind control rules matched with the user are automatically opened and the wind control rules not matched with the user are automatically closed, and for the wind control service, the requirement of fine configuration of the wind control rules of loan clients is met from multiple dimensions.
The invention is described in detail below with reference to the drawings and specific examples, but the invention is not limited thereto.
Drawings
FIG. 1 is a flowchart illustrating steps of a method for generating a wind control rule according to a first embodiment of the present invention;
fig. 2 is a flowchart illustrating steps of obtaining loan-related data in a method for generating a wind-control rule according to an embodiment of the invention;
fig. 3 is a flowchart of a step of extracting a first set of wind control rules in a method for generating wind control rules according to a first embodiment of the present invention;
fig. 4 is a flowchart of a step of obtaining a target wind control rule set in a wind control rule generation method according to a first embodiment of the present invention;
fig. 5 is a flowchart of a step of obtaining a target wind control rule set when the early warning identifier is the first early warning identifier in the wind control rule generating method according to the first embodiment of the present invention;
fig. 6 is a flowchart of a step of obtaining a target wind control rule set when the early warning identifier is the second early warning identifier in the wind control rule generating method according to the first embodiment of the present invention;
fig. 7 is a schematic diagram of program modules of a wind control rule generating device according to a second embodiment of the present invention;
fig. 8 is a schematic hardware structure diagram of a computer device according to a third embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the descriptions relating to "first", "second", etc. in the embodiments of the present invention are only for descriptive purposes and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
In the description of the present invention, it should be understood that the numerical references before the steps do not identify the order of performing the steps, but merely serve to facilitate the description of the present invention and to distinguish each step, and thus should not be construed as limiting the present invention. .
Example one
Referring to fig. 1, a flowchart illustrating steps of a method for generating a wind control rule according to an embodiment of the present invention is shown. It is to be understood that the flow charts in the embodiments of the present method are not intended to limit the order in which the steps are performed. The following description is given by taking a computer device as an execution subject, specifically as follows:
as shown in fig. 1, the method for generating the wind control rule may include steps S100 to S700, where:
and step S100, obtaining loan product data, a source channel and a plurality of user data according to the loan service request, wherein the source channel is a channel for accessing the consumer finance system by the user.
Illustratively, the method for generating the wind control rule is applied to a consumption financial system.
In an exemplary embodiment, the loan product data in the consumer financial system includes product type data and product content data for the loan product. The source channel is a channel for a user to enter a consumption financial system, and comprises: directly accessing the consumer financial system, other insurance or financial subsystems associated with the consumer financial system, micro blogging, micro letter, trembler, and other third party collaboration platforms. The plurality of user data includes: including the user's age, household registration, education level, marital information, employment, residential address, contact details, other associated credit investigation data, etc.
For example, the source of the plurality of user data may be data previously stored in the consumer financial system. The plurality of user data further includes data acquired from an external server.
The above-described operation of acquiring data according to a loan transaction request is exemplarily described below in terms of acquiring data from an external server.
As shown in fig. 2, the step S100 may further include steps S101 to S103, where: step S101, obtaining loan product data and a source channel from the loan service request; step S102, generating a user data request instruction according to the loan service request, wherein the data request instruction comprises an acquisition sequence rule of data field names; step S103, receiving a plurality of user data sent by an external server in response to the user data request instruction, wherein the plurality of user data are obtained by the external server through orderly querying according to the obtaining sequence rule of the data field names.
Since the acquisition of the external data is costly, some wind control rules need to be processed by the external data.
If the previous data has been hit-rejected, the data query corresponding to the following data field name is stopped. It can be understood that, the obtaining of the field contents corresponding to some of the user data fields by the external server is performed by the obtaining order rule of the data field names. For example, the plurality of user data fields are ordered according to the acquisition order rule of the data field names, from front to back: user name, user identification number, user age, user academic history, user credit investigation status, etc.; if the consumption financial system does not comprise the user information of the user A, acquiring the academic information of the user A from the loan service request as a researcher, acquiring the academic information of the user as a subject by the external server according to the acquisition order rule of the field names, and generating a data acquisition termination signal if the user data acquired by the external server is inconsistent with the user input information extracted from the loan service request; and the external server responds to the data acquisition termination signal and stops acquiring data.
The method further comprises the following steps: and setting a multiplexing period for the specified data field names, wherein the user data content corresponding to the specified data field names acquired by the external server is kept unchanged in the multiplexing period. Different specified data field names can be set with different multiplexing periods, and the service can be normally developed under the condition of meeting the service requirement, so that the additional cost is reduced.
Through the flexible configuration of the echelon for external data query, the computer equipment automatically adjusts the execution sequence of the rules and can flexibly open and close the acquisition of external data.
And step S200, acquiring a first wind control rule set according to the product type data in the loan product data.
Illustratively, the product type data is different, the facing customer groups are different, and the corresponding wind control rules are different in loose degree. And, the product content data includes: the loan product is a loan product independent of the consumption finance system, the loan product is a first combined product cooperating with other loan products in the consumption finance system, and the loan product is a second combined product cooperating with other bank systems. The product content data differs, and the degree of the liberty of the wind control policy differs for each product.
In an exemplary embodiment, as shown in fig. 3, the step S200 may further include steps S201 to S205, where: step S201, extracting product type data from the loan product data; step S202, acquiring a class of wind control rule set corresponding to the product type data; step S203, obtaining a target customer group corresponding to the product content data according to the product content data of the loan product data; step S204, a plurality of guest group labels of the target guest group are obtained; and step S205, extracting a first wind control rule set from the class of wind control rule sets according to the plurality of guest group labels of the target guest group.
Step S300, obtaining a plurality of user labels according to the plurality of user data.
In an exemplary embodiment, the plurality of user tags includes: a user's belonging customer group tag, an attribute tag (new customer, stock customer), a credit investigation tag (customer who has been overdue, customer without credit, customer who has not been overdue), a credit investigation record tag (loan number, overdue number, on-time payment number), a base tag (age, sex, income), a prediction tag (prediction score), and the like.
Step S400, extracting a plurality of target user tags from the plurality of user tags according to the source channel.
In an exemplary embodiment, the types of source channels are different, and the corresponding matched user tags are also different.
For the maintenance of various types of source channels and user tags, the various types of source channels and user tags are classified in advance on a system page, dynamic adjustment can be performed on the system page, then different user tags are matched for different source channels, and further different wind control rule sets are matched for different source channels.
Step S500, extracting a second wind control rule set from the first wind control rule set according to the plurality of target user tags.
In an exemplary embodiment, at least one second wind control rule is matched from the first wind control rule set according to a target user label corresponding to a source channel, and the at least one second wind control rule is combined to form a second wind control rule set.
And step S600, acquiring a plurality of historical loan parameters corresponding to the second wind control rule set.
In an exemplary embodiment, the historical loan parameters include loan conclusions, historical denial rates, historical passage rates, historical difference ratios, historical wind node durations, etc., of a plurality of historical users on the loan product.
And step S700, adjusting the second wind control rule set according to a plurality of historical loan parameters corresponding to the second wind control rule set to obtain a target wind control rule set.
In an exemplary embodiment, referring to fig. 4, the step S700 includes the following steps: step S701, when the plurality of historical loan parameters corresponding to the second wind control rule set comprise early warning marks, generating a wind control rule updating instruction according to the early warning marks; and step S702, updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set.
In an exemplary embodiment, the early warning identifier comprises a first early warning identifier and a second early warning identifier, and a corresponding wind control rule updating instruction is generated according to different early warning identifiers; the wind control rule updating instruction comprises a version switching instruction and an early warning content locking instruction.
Illustratively, because each wind control rule and each wind control rule set have iteration and change of versions, if the historical loan parameters have early warning identifications, the historical loan parameters can be regarded as the iterated and changed wind control rules or the wind control rule sets, and the overall item entering rate and rejection rate are influenced; therefore, to reduce customer churn, and to improve the user loan experience, the version of the wind control rule or set of wind control rules may be quickly switched based on historical loan parameters.
The operation of obtaining the target wind control rule set is exemplarily described below with the first warning identifier.
Referring to fig. 5, the step S700 may further include the following steps: step S7011, when the early warning identifier is a first early warning identifier, determining a second wind control rule corresponding to the first early warning identifier; step S7012, generating a wind control rule version switching instruction according to the first early warning identifier, wherein the wind control rule version switching instruction is a wind control rule updating instruction; step S7021, according to the wind control rule version switching instruction, a first version number and a second version number corresponding to the second wind control rule are obtained, and the time of the second version number is earlier than that of the first version number; step S7022, according to the wind control rule version switching instruction, replace the second wind control rule corresponding to the first version number with the second wind control rule corresponding to the second version number to obtain the target wind control rule set, where the target wind control rule set includes the second wind control rule corresponding to the second version number.
For example, the version number of the second wind control rule a generated in the system by the computer device at 11/20/2020 is #201120a, the rule content of the second wind control rule a is updated by the computer device at 25/11/2020, and the version number corresponding to the updated second wind control rule a is # 201125A. Through historical loan parameters, part of rule contents of a second wind control rule A with the version number of #201125A are found, so that the rejection rate of a user is high, and therefore, a first early warning identifier is generated for the second wind control rule A, so that the subsequent fast switching adjustment of the second wind control rule is realized, and the loan experience of the user is improved. And the switching adjustment comprises single-point wind control rule switching and wind control rule set switching.
The operation of obtaining the target wind control rule set is exemplarily described below with a second warning flag.
Referring to fig. 6, the step S700 may further include the following steps: step S7013, when the early warning identifier is a second early warning identifier, determining early warning content of a second wind control rule corresponding to the second early warning identifier; step S7014, generating an early warning content locking instruction according to the second early warning identifier, wherein the early warning content locking instruction is the wind control rule updating instruction; and step S7023, locking the early warning content in the second wind control rule according to the early warning content locking instruction to obtain a target wind control rule set, wherein the target wind control rule set comprises the second wind control rule of the locked early warning content.
Taking the second wind control rule B as an example, the early warning content in the second wind control rule B is locked, and it can be understood that the early warning content in the second wind control rule B corresponding to the latest version number is blocked, and a user receiving the second wind control rule B cannot execute the wind control rule corresponding to the early warning content, and can skip the wind control rule corresponding to the early warning content by default and execute the rest rule contents in the second wind control rule B; the early warning content in the second wind control rule B can be locked in a manner of directly hiding the early warning content in the second wind control rule B.
In an exemplary embodiment, the method for generating the wind control rule includes: storing the target set of wind control rules in a blockchain.
In an exemplary embodiment, the method further comprises: and carrying out single-point switching on the versions of the second wind control rules of different nodes according to the lengths of a plurality of historical wind control nodes in the plurality of historical loan parameters.
For example, the process of applying for the loan product from the user to the consumption finance loan system has different transaction nodes, the second pneumatic control rules used by the different transaction nodes are different, and the influence degree of each transaction node on the overall process of applying for the loan product is also different. The historical wind control node time length is obtained by counting the execution time length of the wind control rule of each handling node, and single-point wind control rule change is carried out according to the counted historical wind control node time length to the wind control rule corresponding to each handling node.
The method comprises the steps of monitoring the generation process of the wind control rule, sending a corresponding early warning mail to the wind control service end according to the execution result of the loan service of the user, providing the early warning mail for the wind control service end to analyze the rule after the wind control service end works, analyzing the problem of the wind control rule, and opening the specific wind control rule after repairing and updating the corresponding wind control rule. If no problem is found in the monitoring process, the monitoring threshold is adjusted to continue monitoring the process of generating the wind control rule, so that the investment of wind control manpower can be greatly reduced;
according to the method, the wind control rule set is flexibly configured through the loan product data, the user data, the source channel and the multi-dimensional data of the historical loan parameters, the wind control rules matched with the user are automatically opened and the wind control rules not matched with the user are automatically closed, and for the wind control service, the requirement of fine configuration of the wind control rules of loan clients is met from multiple dimensions. According to the proposal, the wind control rules are automatically opened and closed through flexible configuration of the wind control rules, and the corresponding wind control rules are intelligently and efficiently generated; the investment of wind control manpower is reduced.
Example two
With reference to fig. 7, a schematic diagram of program modules of the wind control rule generating device of the present invention is shown. In this embodiment, the wind control rule generating apparatus 20 may include or be divided into one or more program modules, and the one or more program modules are stored in a storage medium and executed by one or more processors to implement the present invention and implement the wind control rule generating method. The program module referred to in the embodiments of the present invention refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable for describing the execution process of the wind control rule generating device 20 in the storage medium than the program itself. The following description will specifically describe the functions of the program modules of the present embodiment:
the data acquisition module 800 is configured to acquire loan product data, a source channel and a plurality of user data according to a loan service request, where the source channel is a channel through which a user accesses a consumption financial system;
a first rule obtaining module 810, configured to obtain a first set of wind control rules according to product type data in the loan product data;
a tag obtaining module 820, configured to obtain a plurality of user tags according to the plurality of user data;
the target tag extraction module 830 is configured to extract a plurality of target user tags from the plurality of user tags according to the source channel;
a second rule obtaining module 840, configured to extract a second set of wind control rules from the first set of wind control rules according to the target user tags;
a parameter obtaining module 850, configured to obtain a plurality of historical loan parameters corresponding to the second set of wind control rules; and
and the wind control rule generating module 860 is configured to adjust the second wind control rule set according to the plurality of historical loan parameters corresponding to the second wind control rule set to obtain a target wind control rule set.
In an exemplary embodiment, the first rule obtaining module 810 is further configured to: extracting product type data from the loan product data; acquiring a type of wind control rule set corresponding to the product type data; obtaining a target customer group corresponding to the product content data according to the product content data of the loan product data; acquiring a plurality of guest group tags of the target guest group; and extracting a first wind control rule set from the class of wind control rule sets according to the plurality of guest group labels of the target guest group.
In an exemplary embodiment, the wind control rule generation module 860 is further configured to: when the plurality of historical loan parameters corresponding to the second wind control rule set comprise early warning identifications, generating a wind control rule updating instruction according to the early warning identifications; and updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set.
In an exemplary embodiment, the wind control rule generation module 860 is further configured to: when the early warning identification is a first early warning identification, determining a second wind control rule corresponding to the first early warning identification; generating a wind control rule version switching instruction according to the first early warning identifier, wherein the wind control rule version switching instruction is a wind control rule updating instruction; acquiring a first version number and a second version number corresponding to the second wind control rule according to the wind control rule version switching instruction, wherein the time of the second version number is earlier than that of the first version number; and replacing a second wind control rule corresponding to the first version number with a second wind control rule corresponding to the second version number according to the wind control rule version switching instruction to obtain the target wind control rule set, wherein the target wind control rule set comprises the second wind control rule corresponding to the second version number.
In an exemplary embodiment, the wind control rule generation module 860 is further configured to: when the early warning identification is a second early warning identification, determining the early warning content of a second wind control rule corresponding to the second early warning identification; generating an early warning content locking instruction according to the second early warning identifier, wherein the early warning content locking instruction is the wind control rule updating instruction; and locking the early warning content in the second wind control rule according to the early warning content locking instruction to obtain a target wind control rule set, wherein the target wind control rule set comprises the second wind control rule of the locked early warning content.
In an exemplary embodiment, the data acquisition module 800 is further configured to: obtaining loan product data and a source channel from the loan service request; generating a user data request instruction according to the loan service request, wherein the data request instruction comprises an acquisition sequence rule of data field names; and receiving a plurality of user data sent by an external server in response to the user data request instruction, wherein the plurality of user data are obtained by orderly inquiring the external server according to the acquisition sequence rule of the data field names.
In the exemplary embodiment, wind control rule generation apparatus 20 also includes a storage module 870. The storage module 870 is further configured to: storing the target set of wind control rules in a blockchain.
EXAMPLE III
Fig. 8 is a schematic diagram of a hardware architecture of a computer device according to a third embodiment of the present invention. In the present embodiment, the computer device 2 is a device capable of automatically performing numerical calculation and/or information processing in accordance with a preset or stored instruction. The computer device 2 may be a rack server, a blade server, a tower server or a rack server (including an independent server or a server cluster composed of a plurality of servers), and the like. As shown in fig. 8, the computer device 2 includes, but is not limited to, at least a memory 21, a processor 22, a network interface 23, and a wind control rule generating device 20, which are communicatively connected to each other through a system bus. Wherein:
in this embodiment, the memory 21 includes at least one type of computer-readable storage medium including a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the storage 21 may be an internal storage unit of the computer device 2, such as a hard disk or a memory of the computer device 2. In other embodiments, the memory 21 may also be an external storage device of the computer device 2, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like provided on the computer device 2. Of course, the memory 21 may also comprise both internal and external memory units of the computer device 2. In this embodiment, the memory 21 is generally used to store an operating system installed in the computer device 2 and various types of application software, such as the program codes of the wind control rule generating device 20 in the above embodiment. Further, the memory 21 may also be used to temporarily store various types of data that have been output or are to be output.
The network interface 23 may comprise a wireless network interface or a wired network interface, and the network interface 23 is generally used for establishing communication connection between the computer device 2 and other electronic apparatuses. For example, the network interface 23 is used to connect the computer device 2 to an external terminal through a network, establish a data transmission channel and a communication connection between the computer device 2 and the external terminal, and the like. The network may be a wireless or wired network such as an Intranet (Intranet), the Internet (Internet), a Global System of Mobile communication (GSM), Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Bluetooth (Bluetooth), Wi-Fi, and the like.
It is noted that fig. 8 only shows the computer device 2 with components 20-23, but it is to be understood that not all shown components are required to be implemented, and that more or less components may be implemented instead.
In this embodiment, the wind control rule generating device 20 stored in the memory 21 may be further divided into one or more program modules, and the one or more program modules are stored in the memory 21 and executed by one or more processors (in this embodiment, the processor 22) to complete the present invention.
For example, fig. 7 shows a schematic diagram of program modules of the second embodiment of implementing the wind control rule generating device 20, in this embodiment, the wind control rule-based generating device 20 may be divided into a data obtaining module 800, a first rule obtaining module 810, a tag obtaining module 820, a target tag extracting module 830, a second rule obtaining module 840, a parameter obtaining module 850, and a wind control rule generating module 860. The program module referred to in the present invention refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable than a program for describing the execution process of the wind control rule generating device 20 in the computer device 2. The specific functions of the program modules 800 and 860 have been described in detail in the second embodiment, and are not described herein again.
Example four
The present embodiment also provides a computer-readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application mall, etc., on which a computer program is stored, which when executed by a processor implements corresponding functions. The computer-readable storage medium of the present embodiment is used for storing the wind control rule generating device 20, and when being executed by the processor, the computer-readable storage medium implements the wind control rule generating method of the above embodiment.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A method for generating a wind control rule is characterized by comprising the following steps:
according to the loan service request, obtaining loan product data, a source channel and a plurality of user data, wherein the source channel is a channel for accessing a consumer financial system by a user;
obtaining a first wind control rule set according to product type data in the loan product data;
acquiring a plurality of user tags according to the plurality of user data;
extracting a plurality of target user tags from the plurality of user tags according to the source channel;
extracting a second wind control rule set from the first wind control rule set according to the target user tags;
obtaining a plurality of historical loan parameters corresponding to the second wind control rule set; and
and adjusting the second wind control rule set according to a plurality of historical loan parameters corresponding to the second wind control rule set to obtain a target wind control rule set.
2. The method of claim 1, wherein the step of obtaining a first set of rules based on product type data in the loan product data comprises:
extracting product type data from the loan product data;
acquiring a type of wind control rule set corresponding to the product type data;
obtaining a target customer group corresponding to the product content data according to the product content data of the loan product data;
acquiring a plurality of guest group tags of the target guest group; and
and extracting a first wind control rule set from the class of wind control rule sets according to the plurality of guest group labels of the target guest group.
3. The method according to claim 2, wherein the step of adjusting the second set of wind control rules according to the plurality of historical loan parameters corresponding to the second set of wind control rules to obtain a target set of wind control rules comprises:
when the plurality of historical loan parameters corresponding to the second wind control rule set comprise early warning identifications, generating a wind control rule updating instruction according to the early warning identifications; and
and updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set.
4. The method according to claim 3, wherein when the plurality of historical loan parameters corresponding to the second set of wind control rules include an early warning identifier, the step of generating a wind control rule update instruction according to the early warning identifier includes:
when the early warning identification is a first early warning identification, determining a second wind control rule corresponding to the first early warning identification;
generating a wind control rule version switching instruction according to the first early warning identifier, wherein the wind control rule version switching instruction is a wind control rule updating instruction;
correspondingly, the step of updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set includes:
acquiring a first version number and a second version number corresponding to the second wind control rule according to the wind control rule version switching instruction, wherein the time of the second version number is earlier than that of the first version number;
and replacing a second wind control rule corresponding to the first version number with a second wind control rule corresponding to the second version number according to the wind control rule version switching instruction to obtain the target wind control rule set, wherein the target wind control rule set comprises the second wind control rule corresponding to the second version number.
5. The method according to claim 3, wherein when the plurality of historical loan parameters corresponding to the second set of wind control rules include an early warning identifier, the step of generating a wind control rule update instruction according to the early warning identifier includes:
when the early warning identification is a second early warning identification, determining the early warning content of a second wind control rule corresponding to the second early warning identification;
generating an early warning content locking instruction according to the second early warning identifier, wherein the early warning content locking instruction is the wind control rule updating instruction;
correspondingly, the step of updating the rule content of the second wind control rule according to the wind control rule updating instruction to obtain a target wind control rule set includes:
and locking the early warning content in the second wind control rule according to the early warning content locking instruction to obtain a target wind control rule set, wherein the target wind control rule set comprises the second wind control rule of the locked early warning content.
6. The method for generating wind control rules according to claim 1, wherein the step of obtaining loan product data, source channel and a plurality of user data according to the loan transaction request comprises:
obtaining loan product data and a source channel from the loan service request;
generating a user data request instruction according to the loan service request, wherein the data request instruction comprises an acquisition sequence rule of data field names;
and receiving a plurality of user data sent by an external server in response to the user data request instruction, wherein the plurality of user data are obtained by orderly inquiring the external server according to the acquisition sequence rule of the data field names.
7. The method according to claim 6, wherein after the step of adjusting the second set of wind control rules according to the plurality of historical loan parameters corresponding to the second set of wind control rules to obtain the target set of wind control rules, the method comprises:
storing the target set of wind control rules in a blockchain.
8. A wind control rule generating device, comprising:
the system comprises a data acquisition module, a loan transaction processing module and a loan transaction processing module, wherein the data acquisition module is used for acquiring loan product data, a source channel and a plurality of user data according to a loan transaction request, and the source channel is a channel for accessing a consumer financial system by a user;
the first rule acquisition module is used for acquiring a first wind control rule set according to the product type data in the loan product data;
the label obtaining module is used for obtaining a plurality of user labels according to the plurality of user data;
the target label extraction module is used for extracting a plurality of target user labels from the user labels according to the source channel;
the second rule acquisition module is used for extracting a second wind control rule set from the first wind control rule set according to the target user tags;
the parameter acquisition module is used for acquiring a plurality of historical loan parameters corresponding to the second wind control rule set; and
and the wind control rule generating module is used for adjusting the second wind control rule set according to a plurality of historical loan parameters corresponding to the second wind control rule set so as to obtain a target wind control rule set.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method of generating a wind control rule according to any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, having stored therein a computer program, the computer program being executable by at least one processor to cause the at least one processor to perform the steps of the method for generating wind control rules according to any of claims 1 to 7.
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