CN113177842B - Credit data processing method, system, equipment and medium - Google Patents
Credit data processing method, system, equipment and medium Download PDFInfo
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- CN113177842B CN113177842B CN202110585073.1A CN202110585073A CN113177842B CN 113177842 B CN113177842 B CN 113177842B CN 202110585073 A CN202110585073 A CN 202110585073A CN 113177842 B CN113177842 B CN 113177842B
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Abstract
The application discloses a credit investigation data processing method, which is applied to a data processing system, and comprises the following steps: the data processing system receives first credit information data and second credit information data sent by the credit information system; the first credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on the credit investigation before the loan of the user; the second credit investigation data is obtained by the credit investigation system based on the inquiring operation of at least one loan system on post-loan credit investigation of the user; the data processing system processes the first credit data and the second credit data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user; the data processing system transmits the processing results to a plurality of loan systems. The method has the advantages that the data processing system processes credit investigation data of the user, the effects of one-place adjustment and one-place adjustment are achieved, and the calculated amount is greatly reduced.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a method, a system, an apparatus, and a medium for processing credit information data.
Background
Credit data refers to data related to the credit of the user. When a user applies for loans, the bank can calculate the risk level of the user by inquiring credit investigation data of the user, and then approve the loan request of the user according to the risk level of the user.
When a user applies for different types of loans, the user needs to initiate application to a loan system corresponding to the different types of loans. For example, when a user needs to apply for credit card loan, the user needs to initiate a loan application to a credit card loan system; when a user needs to apply for a consumer financial loan, the user needs to initiate a loan application to a consumer financial loan system.
However, when different loan systems examine and approve the loan request of the user, the credit data of the user needs to be queried, and the risk level of the user is calculated based on the queried latest credit data. Therefore, different loan systems can be caused to calculate the credit data once aiming at the same credit data, the calculation times are greatly increased, the processing efficiency of the credit data by different loan systems is reduced, the risk of a user is calculated only by singly relying on the latest credit data, the dependent data sources are single, and the calculation error is larger.
Disclosure of Invention
In view of the above problems, the present application provides a credit data processing method, in which a data processing system processes credit data corresponding to a user before loan and credit data corresponding to a user after loan, and then sends a processing result to a plurality of loan systems, so that each loan system can obtain a risk level of the user, and does not need to obtain the credit data of the user separately and calculate, thereby greatly reducing the calculated amount, improving the processing efficiency, enriching the dependent data sources, and reducing the calculation error. The application also provides a credit investigation data processing system, equipment and medium.
In a first aspect, the present application provides a credit data processing method, applied to a data processing system, the method including:
the data processing system receives first credit information data and second credit information data sent by the credit information system; the first credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on the credit investigation before the loan of the user; the second credit investigation data is obtained by the credit investigation system based on the inquiring operation of at least one loan system on post-loan credit investigation of the user;
the data processing system processes the first credit data and the second credit data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user;
the data processing system transmits the processing results to a plurality of loan systems.
In one possible implementation, the data processing system transmitting the processing results to a plurality of loan systems, comprising:
the data processing system sends processing results to a plurality of loan systems when the processing results indicate a change in the user's risk level.
In one possible implementation, the method further includes:
the data processing system receives parameter configuration information of the evaluation decision model from a user, and adjusts a processing strategy of the evaluation decision model according to the parameter configuration information.
In a possible implementation manner, the processing result further includes prompt information, where the prompt information is used to prompt the plurality of loan systems to prohibit the user from performing the withdrawal operation when the risk level of the user is high risk;
when the risk level of the user is a medium risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In one possible implementation, the method further includes:
receiving third credit information data sent by the credit information system; the third credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on post-loan credit investigation of the user at intervals of a preset period;
and correcting the processing result according to the third credit information data.
In a second aspect, the present application further provides a credit data processing system, including:
the receiving module is used for receiving the first credit investigation data and the second credit investigation data sent by the credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on the credit investigation before the loan of the user; the second credit investigation data is obtained by the credit investigation system based on the inquiring operation of at least one loan system on post-loan credit investigation of the user;
the processing module is used for processing the first credit data and the second credit data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user;
and the sending module is used for sending the processing results to a plurality of loan systems.
In one possible implementation, the sending module is specifically configured to send the processing result to a plurality of loan systems by the data processing system when the processing result indicates that the risk level of the user changes.
In one possible implementation, the system further includes an adjustment module;
the receiving module is also used for receiving parameter configuration information of the evaluation decision model from the user;
the adjusting module is used for adjusting the processing strategy of the evaluation decision model according to the parameter configuration information.
In a possible implementation manner, the processing result further includes prompt information, where the prompt information is used to prompt the plurality of loan systems to prohibit the user from performing the withdrawal operation when the risk level of the user is high risk;
when the risk level of the user is a medium risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In a possible implementation manner, the receiving module is further configured to receive third credit data sent by the credit system; the third credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on post-loan credit investigation of the user at intervals of a preset period;
the processing module is specifically configured to correct the processing result according to the third credit data.
In a third aspect, the present application provides a computing device comprising a processor and a memory:
the memory is used for storing a computer program and transmitting the computer program to the processor;
the processor is configured to perform the method of any of the above in accordance with instructions in the computer program.
In a fourth aspect, the present application provides a computer readable storage medium for storing a computer program for performing the method of any one of the above.
Compared with the prior art, the above technical scheme has the advantages that:
in one aspect, the method includes the steps that a data processing system processes credit investigation data of a user sent by a credit investigation system through an evaluation decision model, and then the processing result is sent to a plurality of loan systems. Therefore, each loan system can directly obtain the risk level of the user according to the processing result, and the credit investigation data of the user does not need to be acquired and calculated again independently, so that the calculation times are reduced, and the processing efficiency is improved.
On the other hand, the data processing system in the method integrates credit investigation data corresponding to different time periods of the user, namely, first credit investigation data corresponding to the user before loan and second credit investigation data corresponding to the user after loan. The data processing system fully utilizes the credit investigation data of the user in the process of processing the credit investigation data of the user, enriches the data sources relied in the data processing process, further improves the accuracy of the processing result, and ensures that the processing result has more reference value and authority.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a flowchart of a credit information data processing method provided in an embodiment of the present application;
fig. 2 is a flowchart of a credit standing data processing method provided in an embodiment of the present application;
fig. 3 is a schematic diagram of a credit information data processing device according to an embodiment of the present application.
Detailed Description
In order to make the present application solution better understood by those skilled in the art, the following description will clearly and completely describe the technical solution in the embodiments of the present application with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
Technical terms related to the present application are first described below.
Credit data refers to data related to the credit of the user. The bank may issue a loan to the user based on the credit rating data of the user. When a user applies for different types of loans, the user needs to initiate application to different loan systems inside the bank. Different loan systems all need to independently inquire credit information of the user and calculate the risk level of the user when applying for the loan request of the user. Therefore, different loan systems can be caused to calculate once for the same credit data, and the calculation times are greatly increased. Moreover, only the latest credit information data is relied on singly to calculate the risk of the user, the relied data source is single, and the calculation error is larger.
In view of this, the embodiment of the application provides a credit information data processing method. The method is executed by a data processing system, and specifically, the data processing system receives first credit data and second credit data sent by a credit system, the first credit data is obtained by the credit system based on the inquiring operation of at least one loan system on the credit before loan of the user, and the second credit data is obtained by the credit system based on the inquiring operation of the credit system on the credit after loan of the user. And then the data processing system processes the first credit data and the second credit data through the evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user. The data processing system then transmits the processing results to the plurality of loan systems. The method processes the credit investigation data of the user through the data processing system to obtain the risk level of the user and sends the risk level to other loan systems, so that the risk level of the user can be obtained by other loan systems without independently obtaining the credit investigation data of the user again and calculating, the calculated amount is greatly reduced, the processing efficiency is improved, the dependent data sources are enriched, and the calculation error is reduced.
In some embodiments, the data processing system may be an evaluation system, where the evaluation system is configured to process credit investigation data of a user through an evaluation decision model, thereby obtaining a risk level of the user, and send the risk level to other loan systems, so that each loan system may perform risk control according to the received risk level, thereby further unifying the wind control of different loan systems.
In order to make the technical scheme of the application clearer and easy to understand, the credit investigation data processing method provided by the embodiment of the application is used in the aspect of a data processing system.
Referring to fig. 1, there is shown a flow chart of a credit data processing method that may be used with a data processing system, the method comprising the steps of:
s101: the data processing system receives the first credit information data and the second credit information data sent by the credit information system.
The first credit information is obtained by a credit information system based on the inquiry operation of at least one loan system on the credit information before loan of the user; the second credit data is obtained by the credit system based on a query operation of the at least one loan system for post-loan credit to the user.
It should be noted that, in the process of inquiring the credit of the user, the credit investigation system needs to inquire the credit investigation of the pedestrian by the credit investigation system, the credit investigation system can reserve the credit investigation data returned by the pedestrian credit investigation, and then the credit investigation system can send the credit investigation data to the data processing system at preset time intervals. For example, the credit system sends credit data to the data processing system daily, preferably during the night time period of each day, which may be 8 pm to 5 am the next day.
S102: and the data processing system processes the first credit information data and the second credit information data through the evaluation decision model to obtain a processing result.
Wherein the processing result includes a risk level of the user, and the risk level of the user may include high risk, medium risk, and low risk.
The evaluation decision model can be obtained by training a large amount of credit data and risk levels corresponding to the credit data, so that the risk levels of the user can be obtained rapidly and accurately by adopting the evaluation decision model.
In some embodiments, the data processing system may also adjust the processing policy of the evaluation decision model based on the parameter configuration information of the evaluation decision model by a user. For example, by adjusting the parameter configuration information, the evaluation decision model is made to more pay attention to the pre-loan credit of the user or to more pay attention to the post-loan credit of the user.
S103: the data processing system transmits the processing results to the plurality of loan systems.
After the data processing system obtains the risk level of the user through the evaluation decision model, the risk level of the user can be distributed to other loan systems, so that for other loan systems, the risk level of the user can be directly obtained by the other loan systems, and the loan request of the user is approved or regulated according to the risk level.
In some embodiments, the processing result further includes prompt information for prompting the plurality of loan systems to prohibit the user from performing the withdrawal operation when the risk level of the user is high; when the risk level of the user is a medium risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user; and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In some embodiments, the data processing system sends the processing results to a plurality of loan systems when the processing results indicate a change in the user's risk level. Thus, the loan systems can all carry out operations such as approval and the like on the loan request of the user according to the processing result.
The data processing system may not send the processing results to the plurality of loan systems when the processing directly indicates that the user's risk level has not changed. Such multiple loan systems may perform operations such as approving the user's loan application based on the processing results previously sent by the data processing system.
Therefore, for a loan system, the latest risk level of the user can be obtained, and the accuracy and timeliness of the risk level are ensured.
Based on the above description, the present application provides a credit data processing method, which is characterized in that a data processing system processes credit data of a user sent by a credit system through an evaluation decision model, and then sends the processing result to a plurality of loan systems. Therefore, each loan system can directly obtain the risk level of the user according to the processing result, and the credit investigation data of the user does not need to be acquired and calculated again independently, so that the calculation times are reduced, and the processing efficiency is improved. Furthermore, the data processing system integrates credit data corresponding to different time periods of the user, namely, first credit data corresponding to the user before loan and second credit data corresponding to the user after loan. The data processing system fully utilizes the credit investigation data of the user in the process of processing the credit investigation data of the user, enriches the data sources relied in the data processing process, further improves the accuracy of the processing result, and ensures that the processing result has more reference value and authority.
For easy understanding, the data processing system is taken as an example of an evaluation system, and the credit data processing method provided in the embodiment of the present application is described by taking a central credit system, a first loan system and a second loan system as examples.
Referring to the flow chart of the credit data processing method shown in fig. 2, the method includes:
s201: the first loan system sends a first credit inquiry request to the credit system. In some embodiments, the first credit inquiry request includes an identification of a target user, which may be a user who has not applied for a loan. Wherein the first loan system may be a credit card loan system.
S202: the credit investigation system forwards the first credit investigation request to the pedestrian credit investigation.
S203: the pedestrian credit investigation returns first credit investigation data corresponding to the first inquiry request to the credit investigation system. Correspondingly, the first credit data corresponding to the first credit inquiry request is credit data corresponding to the target user before loan.
S204: the credit investigation system records first credit investigation data. The credit system records the first credit data for subsequent transmission to the evaluation system.
S205: the second loan system sends a second credit inquiry request to the credit system. In some embodiments, the second credit inquiry request includes an identification of the target user. In practical situations, the target user may apply for the loan, so that the target user is converted into the user who applies for the loan. Wherein the second loan system may be a consumer financial loan system.
S206: the credit investigation system forwards the second credit investigation request to the pedestrian credit investigation.
S207: and the pedestrian credit sign returns second credit sign data corresponding to the second query request to the credit sign system. Correspondingly, the second credit information data corresponding to the second credit inquiry request is credit information data corresponding to the target user after loan.
S208: the credit investigation system records second credit investigation data. The credit system records the second credit data for subsequent transmission to the evaluation system.
S209: the credit investigation system sends the first credit investigation data and the second credit investigation data to the evaluation system.
S210: and the evaluation system processes the first credit data and the second credit data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user.
S211: the evaluation system transmits the processing result to the first loan system and the second loan system.
It should be noted that, in the above method steps, only credit information of a user is described as an example, and in practical application, the method is not limited to the examples shown in the above steps, and of course, more loan systems may exist in practical application, not limited to credit card loan systems and consumer financial loan systems.
Therefore, according to the technical scheme, the association relation between the pre-loan credit and the post-loan credit of different loan systems of the bank is established, the pre-loan credit and the post-loan credit of different loan systems are integrated together and are used as credit data of the user, the credit data are uniformly processed, and the processing result, namely the risk level of the user, is obtained. Thus, the method has the effects of processing everywhere and adjusting everywhere, and fully utilizes the credit investigation data of the user.
The embodiment of the application also provides a credit investigation data processing system, which comprises:
the receiving module 301 is configured to receive first credit data and second credit data sent by the credit system; the first credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on the credit investigation before the loan of the user; the second credit investigation data is obtained by the credit investigation system based on the inquiring operation of at least one loan system on post-loan credit investigation of the user;
the processing module 302 is configured to process the first credit data and the second credit data through an evaluation decision model, so as to obtain a processing result, where the processing result includes a risk level of the user;
and the sending module 303 is used for sending the processing results to a plurality of loan systems.
In one possible implementation, the sending module 303 is specifically configured to send the processing result to a plurality of loan systems by the data processing system when the processing result indicates that the risk level of the user changes.
In one possible implementation, the system further includes an adjustment module 304;
the receiving module 301 is further configured to receive parameter configuration information of the evaluation decision model from a user;
the adjustment module 304 is configured to adjust a processing policy of the evaluation decision model according to the parameter configuration information.
In a possible implementation manner, the processing result further includes prompt information, where the prompt information is used to prompt the plurality of loan systems to prohibit the user from performing the withdrawal operation when the risk level of the user is high risk;
when the risk level of the user is a medium risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
In a possible implementation manner, the receiving module 301 is further configured to receive third credit data sent by the credit system; the third credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on post-loan credit investigation of the user at intervals of a preset period;
the processing module 302 is specifically configured to correct the processing result according to the third credit data.
Embodiments of the present application provide a computing device including a processor and a memory for storing a computer program and transmitting the computer program to the processor; the processor is configured to execute the method described in the above embodiment according to instructions in the computer program.
Embodiments of the present application provide a computer readable storage medium for storing a computer program for executing the method described in the above embodiments.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for the device embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points. The apparatus embodiments described above are merely illustrative, wherein the units and modules illustrated as separate components may or may not be physically separate. In addition, some or all of the units and modules can be selected according to actual needs to achieve the purpose of the embodiment scheme. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
The foregoing is merely exemplary of the application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the application and are intended to be comprehended within the scope of the application.
Claims (10)
1. A credit data processing method, applied to a data processing system, the method comprising:
the data processing system receives first credit information data and second credit information data sent by the credit information system; the first credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on the credit investigation before the loan of the user; the second credit investigation data is obtained by the credit investigation system based on the inquiring operation of at least one loan system on post-loan credit investigation of the user;
the data processing system processes the first credit data and the second credit data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user;
the data processing system sends the processing result to a plurality of loan systems, which are respectively different types of loan systems, and which are attributed to the same financial institution.
2. The method of claim 1, wherein the data processing system transmitting the processing results to a plurality of loan systems, comprising:
the data processing system sends processing results to a plurality of loan systems when the processing results indicate a change in the user's risk level.
3. The method according to claim 1, wherein the method further comprises:
the data processing system receives parameter configuration information of the evaluation decision model from a user, and adjusts a processing strategy of the evaluation decision model according to the parameter configuration information.
4. The method of claim 1, wherein the processing results further include prompt information for prompting the plurality of loan systems to prohibit the user from performing a withdrawal operation when the user's risk level is high risk;
when the risk level of the user is a medium risk, the prompt information is used for prompting the plurality of loan systems to reduce the loan amount of the user;
and when the risk level of the user is low risk, the prompt information is also used for prompting the plurality of loan systems to improve the loan amount of the user.
5. The method according to any one of claims 1 to 4, further comprising:
receiving third credit information data sent by the credit information system; the third credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on post-loan credit investigation of the user at intervals of a preset period;
and correcting the processing result according to the third credit information data.
6. A credit data processing system, comprising:
the receiving module is used for receiving the first credit investigation data and the second credit investigation data sent by the credit investigation system; the first credit investigation data is obtained by the credit investigation system based on the inquiry operation of at least one loan system on the credit investigation before the loan of the user; the second credit investigation data is obtained by the credit investigation system based on the inquiring operation of at least one loan system on post-loan credit investigation of the user;
the processing module is used for processing the first credit data and the second credit data through an evaluation decision model to obtain a processing result, wherein the processing result comprises the risk level of the user;
and the sending module is used for sending the processing results to a plurality of loan systems, wherein the plurality of loan systems are respectively different types of loan systems, and the plurality of loan systems are attributed to the same financial institution.
7. The system of claim 6, wherein the transmitting module is specifically configured to transmit the processing result to a plurality of loan systems when the processing result indicates a change in the user's risk level.
8. The system of claim 6, further comprising an adjustment module;
the receiving module is also used for receiving parameter configuration information of the evaluation decision model from the user;
the adjusting module is used for adjusting the processing strategy of the evaluation decision model according to the parameter configuration information.
9. A computing device, the computing device comprising a processor and a memory:
the memory is used for storing a computer program and transmitting the computer program to the processor;
the processor is configured to perform the method of any one of claims 1 to 5 according to instructions in the computer program.
10. A computer readable storage medium for storing a computer program for executing the method of any one of claims 1 to 5.
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| CN117611330B (en) * | 2024-01-23 | 2024-04-09 | 天津金城银行股份有限公司 | Credit data processing system, method, device, equipment and medium |
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