CN113191885A - Loan collaborative decision method, device and system - Google Patents
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Abstract
The embodiment of the application provides a loan collaborative decision method, a loan collaborative decision device and a loan collaborative decision system, which can also be used in the financial field, wherein the loan collaborative decision method comprises the following steps: determining a first code of a first risk factor condition set according to the first risk factor condition set to which a loan application client belongs, and sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server; receiving a decryption value sent by the collaboration server, and determining a loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value; according to the method and the system, the accuracy and the efficiency of loan audit decision can be improved on the premise of guaranteeing the information security of clients.
Description
Technical Field
The application relates to the field of information security and finance, in particular to a loan collaborative decision method, device and system.
Background
Loan examination is one of risk control links before a bank issues a loan, is also a key link of risk prevention, and is actually a loan decision-making process. The results of the loan review directly determine the bank's credit profit and asset quality. At present, loan examination is generally performed by a full-time loan approver, and the loan is examined from the aspects of client repayment capacity, loan application, loan flow direction and the like, but the current financial situation is complex, and the problem of incomplete loan decision making process still exists, wherein one important reason is that the client information is not fully mastered, so that loan decision making is wrong, and the bad loan proportion of a bank is increased.
Nowadays, information encryption is applied to various scenes, such as customer login, customer transaction and the like, and is a common secret means for protecting data security.
The inventor has found that there are a large number of identical customers at different banks, each holding customer information that other banks do not have. During loan examination, the loan approver often cannot acquire information of the client at other banks to help the client to make decisions, and the information cannot be shared to be the defect of risk control of bank loan decisions.
In conclusion, how to perform cooperative decision-making loan between banks to improve the loan audit accuracy is an urgent problem to be solved on the premise of ensuring the safety of customer information.
Disclosure of Invention
Aiming at the problems in the prior art, the application provides a loan collaborative decision-making method, device and system, which can improve the accuracy and efficiency of loan audit decision-making on the premise of guaranteeing the information security of customers.
In order to solve at least one of the above problems, the present application provides the following technical solutions:
in a first aspect, the present application provides a loan collaborative decision method, including:
determining a first code of a first risk factor condition set according to a first risk factor condition set to which an loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server, determining the first code of the first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server so that the collaboration server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation;
and receiving a decryption value sent by the collaboration server, and determining a loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
Further, still include:
an initial decision matrix is constructed in advance according to a first risk factor condition set and a second risk factor condition set belonging to the first risk factor condition set in the collaboration server by using decision values;
and replacing the decision value in the initial decision matrix with a corresponding non-repeated random number to obtain an encryption decision matrix.
Further, after replacing the decision value in the initial decision matrix with the corresponding non-repeating random number, before obtaining an encryption decision matrix, the method further includes:
and coding according to the first risk factor condition set and the second risk factor condition set, and performing symmetric encryption processing on the initial decision matrix by taking the first code and the second code in the initial decision matrix as keys.
In a second aspect, the present application provides a loan collaborative decision method, including:
receiving an encryption decision matrix sent by an initiating server, a first code, a second risk factor condition set and a corresponding code to which a loan application client belongs, and determining the second code of the second risk factor condition set determined by the second risk factor condition set to which the loan application client belongs, wherein the first code is a value determined by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded;
and decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation to the initiating server, so that the initiating server determines a loan application result of the loan application client according to the corresponding relation between the decrypted value and the decision value.
In a third aspect, the present application provides a loan coordination decision apparatus, comprising:
an initiating cooperation module, configured to determine a first code of a first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, and sending a second risk factor condition set and corresponding codes, the encryption decision matrix and the first codes to corresponding collaboration servers, determining a first code for a first set of risk factor conditions to which a lending client belongs, and sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server so that the collaboration server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, carrying out decryption operation on the encryption decision matrix according to the first code and the second code, and returning a decryption value after the decryption operation;
and the collaborative decision module is used for receiving the decryption value sent by the collaborative server and determining the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
Further, still include:
a decision matrix construction unit, configured to construct an initial decision matrix in advance according to the first risk factor condition set and a second risk factor condition set belonging to the first risk factor condition set in the collaboration server using a decision value;
and the decision matrix encryption unit is used for replacing the decision value in the initial decision matrix with the corresponding non-repeated random number to obtain an encryption decision matrix.
In a fourth aspect, the present application provides a loan coordination decision apparatus, comprising:
the receiving coordination module is used for receiving an encryption decision matrix sent by an initiating server, a first code, a second risk factor condition set and a corresponding code, which the loan application client belongs to, and determining the second code of the second risk factor condition set determined by the second risk factor condition set to which the loan application client belongs, wherein the first code is a value determined by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded;
and the collaborative feedback module is used for carrying out decryption operation on the encryption decision matrix according to the first code and the second code and returning a decryption value after the decryption operation to the originating server so that the originating server determines the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
In a fifth aspect, the present application provides a loan coordination decision system, including an initiating server and a coordination server;
the initiating server includes:
the system comprises an initiating cooperation module, a second risk factor condition set and a corresponding code, and an encryption decision matrix, wherein the initiating cooperation module is used for determining a first code of a first risk factor condition set according to the first risk factor condition set to which a loan application client belongs, and sending a second risk factor condition set and the corresponding code, the encryption decision matrix and the first code to a corresponding cooperation server;
and the collaborative decision module is used for receiving the decryption value sent by the collaborative server and determining the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
The collaboration server includes:
the receiving coordination module is used for receiving an encryption decision matrix sent by an initiating server, a first code, a second risk factor condition set and a corresponding code, which the loan application client belongs to, and determining the second code of the second risk factor condition set determined by the second risk factor condition set to which the loan application client belongs, wherein the first code is a value determined by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded;
and the collaborative feedback module is used for carrying out decryption operation on the encryption decision matrix according to the first code and the second code and returning a decryption value after the decryption operation to the originating server so that the originating server determines the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
In a sixth aspect, the present application provides an electronic device, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the loan coordination decision method when executing the program.
In a seventh aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of the loan coordination decision method.
According to the technical scheme, the loan collaborative decision method, the loan collaborative decision device and the loan collaborative decision system are provided, collaborative decision is carried out on application loans by comprehensively analyzing loan application risks of loan application clients in different servers/systems, the loan review accuracy is improved, the loan loss risk is reduced, and meanwhile, the information security of the loan application clients is guaranteed through the information difference of an encryption decision matrix during encryption and decryption.
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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 schematic flow chart illustrating a collaborative loan decision method according to an embodiment of the present application;
FIG. 2 is a second schematic flow chart of a loan coordination decision method in the embodiment of the present application;
FIG. 3 is a third exemplary flowchart of a loan collaboration decision method according to an embodiment of the disclosure;
FIG. 4 is a block diagram of a loan collaboration decision making apparatus in an embodiment of the application;
FIG. 5 is a second block diagram of a loan collaboration decision making apparatus according to an embodiment of the present application;
FIG. 6 is a third block diagram of a loan collaboration decision making apparatus in an embodiment of the present application;
FIG. 7 is a schematic diagram of a loan collaborative decision making system in an embodiment of the application;
fig. 8 is a schematic structural diagram of an electronic device in an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. 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 application.
Considering that different banks in the prior art have a large number of identical customers, each has mastery of customer information that other banks do not have. The application provides a loan collaborative decision method, a loan collaborative decision device and a loan collaborative decision system, which are used for carrying out collaborative decision on application loans by comprehensively analyzing loan application risks of loan application clients in different servers/systems, so that the loan examination accuracy is improved, the loan loss risk is reduced, and meanwhile, the information security of the loan application clients is guaranteed through the information difference of an encryption decision matrix during encryption and decryption.
In order to improve the accuracy and efficiency of a loan audit decision under the premise of guaranteeing the information security of a client, the present application provides an embodiment of a loan collaborative decision method, where an executing subject may be an initiating server of a bank initiating a loan audit, and referring to fig. 1, the loan collaborative decision method specifically includes the following contents:
step S101: determining a first code of a first risk factor condition set according to a first risk factor condition set to which an loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server, determining the first code of the first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server so that the collaboration server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation.
Optionally, the present application provides a method for making a collaborative decision on loan on the premise of protecting the security of client information, an executive subject of this step may be an initiating server of a bank initiating a loan audit, and for convenience of description, a bank a initiating a loan audit and a bank B assisting a loan audit are all exemplified below.
It can be understood that bank a and bank B of the present application can establish a mutual aid agreement in advance, and provide information support to each other on the premise of not revealing customer information and trade secrets. The client X is a client of the bank A and a client of the bank B, the client X applies a large amount of loan to the bank A at present, and the bank A can make a loan decision by comprehensively considering information of assets, debts, running water and the like of the client X in the bank A and the bank B in a loan examination link, so that the decision accuracy is improved.
Optionally, whether the bank a or the bank B has different business rules, the same client X may belong to different risk factor condition sets in the servers of the two banks, the risk factor condition sets are condition sets formed by risk factors, and the elements are mutually exclusive, that is, the client is certain and can only belong to one condition set. The risk factors include basic information, asset and debt information, transaction information and the like, and can be expressed as age, education degree and the like, and regular deposit, financing, loan and the like, transfer-in and transfer-out and the like.
For example, assume risk factors: age, education level, marital status, periodic deposits, financing, loan, transfer-in, expenditure, etc., may constitute the following set of conditions C:
C1(age 25 to 30, scholarly, married, 10-20 ten thousand of periodic deposits, no financing, no loan, 2-2.5 ten thousand of months, 5k-1 ten thousand of months);
C2(age 25 to 30, academic major, unmarried, periodic deposit 20 to 30 ten thousand, low risk financing, no loan, shift of 2 to 3 ten thousand months, and expenditure 5K to 1 ten thousand months);
C3between 22 and 25 ages, academic subjects, no marriage, 15-20 ten thousand of periodic deposits, no financing, no loan, 1-2 ten thousand of months, and 3-5K of months);
by analogy, a condition set C of risk factors can be obtainediAll condition sets together form a customer assessment corpus S ═ { C ═ C1,C2,...,CtEach client must belong to only one condition set in the complete set.
Optionally, an encryption decision matrix may be preset in the present application, and as can be seen from the above, the bank a and the bank B both store the customer information of the customer X, that is, the risk factor analysis may be performed on the customer X to obtain a risk factor condition set, and different loan results may be obtained according to different risk factor condition sets, that is, decision values, for example, for the loan of the customer X, there are decision sets {1, 75%, 50%, 25%, 0}, where 50% refers to only half of the amount of loan applied for the loan, and the rest is analogized. Define decision set D ═ D1,d2,...,dsThe loan decision means to select a decision value D from the decision set Dk。
In particular, the risk factors may be different considering that bank a and bank B may be different in nature. Defining bank A having m risk factor condition sets, bank B having n risk factor condition sets, respectively using G and F to represent respective sets of two risk factor condition sets, G ═ G { (G)1,g2,...,gm}，F＝{f1,f2,...,fnAnd combining risk factor condition sets of two banks to constructAn initial decision matrix, which is an m × n matrix, wherein the elements in the ith row and the jth column are for f according to a business rulei、gjConditional slave decision set D ═ D1,d2,...,dsThe decision value d selected inkIt is required that n be sufficiently large compared to s such that dkPresent in a plurality of columns of the matrix.
Step S102: and receiving a decryption value sent by the collaboration server, and determining a loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
As can be seen from the above, since the encryption decision matrix is obtained by encrypting the initial decision matrix after the initial decision matrix is constructed, after the collaboration server receives the encryption matrix, the collaboration server cannot know the specific content of the first risk factor condition set of the loan application client by the originating server, and can only know the first code of the first risk factor condition set to which the client belongs, and similarly, after the collaboration server feeds back the collaboration decision value of the collaboration server to the client, the originating server can only know the value of the collaboration decision value, and cannot know the second risk factor condition set of the loan application client by the collaboration server, so that the information security of the loan application client is ensured by the information difference between the two sets caused by the encryption decision matrix.
From the above description, it can be seen that the loan collaborative decision method provided in the embodiment of the present application can perform collaborative decision on application loans by comprehensively analyzing loan application risks of loan application clients in different servers/systems, thereby improving the loan review accuracy, reducing the loan loss risk, and simultaneously ensuring the information security of the loan application clients by the information difference of the encryption decision matrix during encryption and decryption.
In order to ensure the information security of the loan application client, in an embodiment of the loan collaborative decision method of the present application, referring to fig. 2, the following may be specifically included:
step S201: and constructing an initial decision matrix in advance according to the first risk factor condition set and the second risk factor condition set in the cooperative server by using the decision value.
Step S202: and replacing the decision value in the initial decision matrix with a corresponding non-repeated random number to obtain an encryption decision matrix.
Optionally, an encryption decision matrix may be preset in the present application, and as can be seen from the above, the bank a and the bank B both store the customer information of the customer X, that is, the risk factor analysis may be performed on the customer X to obtain a risk factor condition set, and different loan results may be obtained according to different risk factor condition sets, that is, decision values, for example, for the loan of the customer X, there are decision sets {1, 75%, 50%, 25%, 0}, where 50% refers to only half of the amount of loan applied for the loan, and the rest is analogized. Defining a decision set, wherein the loan decision refers to selecting a decision value from the decision set D; therefore, an initial decision matrix can be constructed according to each decision value of the two banks, and an encrypted decision matrix can be obtained after the initial decision matrix is encrypted.
In particular, the risk factors may be different considering that bank a and bank B may be different in nature. Defining bank A having m risk factor condition sets, bank B having n risk factor condition sets, respectively using G and F to represent respective sets of two risk factor condition sets, G ═ G { (G)1,g2,...,gm}，F＝{f1,f2,...,fnAnd constructing an initial decision matrix by combining risk factor condition sets of two banks, wherein the matrix is an m multiplied by n matrix, and the element in the ith row and the jth column is f according to the servicei、gjConditional slave decision set D ═ D1,d2,...,dsThe decision value d selected inkIt is required that n be sufficiently large compared to s such that dkPresent in a plurality of columns of the matrix.
Optionally, the random number may be replaced with a random number that the bank a applies for s random numbers from the bank B, that is, the bank B transmits s values to the bank a, and the s random numbers do not have the same value, and after the bank a is out of order, H ═ H is defined1,h2,...,hsD ═ D }, substituted1,d2,...,dsI.e. the decision value in the decision matrix uses hkInstead, then the decision matrix is as follows:
wherein h isij∈{h1,h2,...,hs1,2, n, and each hkAppearing in multiple columns per row.
In order to ensure the information security of the loan application client, in an embodiment of the loan cooperation decision method of the present application, the step S202 may further include the following steps:
and coding according to the first risk factor condition set and the second risk factor condition set, and performing symmetric encryption processing on the initial decision matrix by taking the first code and the second code in the initial decision matrix as keys.
Optionally, the present application may also encode the risk factor condition sets of bank a and bank B, that is, use numerical values to represent the service description of the condition sets, as follows:
{g1,g2,...,gm}→{a1,a2,...,am}
{f1,f2,...,fn}→{b1,b2,...,bn}
for example, assume that bank a client evaluation set G { { { age less than 30 years, deposit 10 ten thousand below }, { age less than 30 years, deposit 10 ten thousand-20 ten thousand }, { age less than 30 years, deposit 20 ten thousand-50 ten thousand }, { age less than 30 years, deposit 50 ten thousand above }, { age 30 above, deposit 10 ten thousand below }, { age 30 above, deposit 10 ten thousand-20 ten thousand }, { age 30 above, deposit 20 ten thousand-50 ten thousand }, { age 30 above, deposit 50 ten thousand above } }, a total of 8 condition sets in the set, which can be represented by three-digit binary numbers, then G { {000, 001, 010, 100, 011, 101, 110, 111 }.
Then, function encryption is performed. Specifically, the key is ai、bjSymmetric encryption algorithm E with plain text hijThe ciphertext is eijThen the encrypted decision value is:
wherein (a)i||bj) Is a secret key ai、bjThe spliced numerical value and the encrypted decision matrix are as follows:
optionally, the decryption is performed in cooperation with the server (i.e., bank B). For example, bank a sets the customer full-scale assessment F ═ { F for bank B1,f2,...,fnAnd corresponding codes b1,b2,...,bnThe data is transmitted to a bank B, the bank B evaluates the client X and obtains a specific distribution condition set f of the client X in the bank BrCorresponding code br. Bank a base on the bank's customer assessment set G ═ G1,g2,...,gmEvaluating the client X to obtain a condition set g of the client X in the bank AuCorresponding code au. Bank A will code auAnd the encrypted matrix H (E') after the disorder of the sequence is transmitted to a bank B, so that the bank B obtains the code a of the customer X in two banksu、brAnd an encryption matrix H (E'):
then, bank B decodes the code a according to the decryption formula and customer Xu、brTo each element E ' of the encryption matrix H (E ') 'ijPerforming decryption operation according to the formula
B Bank for h 'obtained by calculation each time'ijJudging whether the random number belongs to a random number set H ═ H1,h2,...,hsH ', i.e. h'ijWhether the E is satisfied or not is determined, when the E is satisfied, the decryption is stopped, the decryption operation is completed, and the bank B meets the conditionsh′ijAnd is transmitted back to bank A. It can be shown that for a particular code auAnd brOf and only one h'ijH is satisfied'ije.H holds.
Finally, Bank A receives h'ij，h′ijCorresponding random number set H ═ H1,h2,...,hsThe v-th element in (i.e. h)v＝h′ij. By H ═ H1,h2,...,hsD ═ D1,d2,...,dsGet d from the corresponding relationship ofvThen the loan decision of bank A to customer X is dv. Since the number n of the bank condition sets B is sufficiently larger than s, dvExist in multiple columns of the encryption matrix at the same time, so the bank A cannot know the specific condition set f of the customer X in the bank Bj. That is bank a cannot obtain the specific risk information of customer X.
In order to improve the accuracy and efficiency of the loan audit decision under the premise of ensuring the information security of the client, the application provides an embodiment of a loan collaboration decision method, where an executing subject may be a collaboration server of another collaboration bank that provides assistance to a bank initiating a loan audit, and referring to fig. 3, the loan collaboration decision method specifically includes the following contents:
step S301: receiving an encryption decision matrix sent by an initiating server, a first code, a second risk factor condition set and a corresponding code to which a loan application client belongs, and determining the second code of the second risk factor condition set determined by the second risk factor condition set to which the loan application client belongs, wherein the first code is a value determined by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded.
Step S302: and decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation to the initiating server, so that the initiating server determines a loan application result of the loan application client according to the corresponding relation between the decrypted value and the decision value.
From the above description, it can be seen that the loan collaborative decision method provided in the embodiment of the present application can perform collaborative decision on application loans by comprehensively analyzing loan application risks of loan application clients in different servers/systems, thereby improving the loan review accuracy, reducing the loan loss risk, and simultaneously ensuring the information security of the loan application clients by the information difference of the encryption decision matrix during encryption and decryption.
In order to improve the accuracy and efficiency of a loan audit decision under the premise of guaranteeing the information security of a client, the present application provides an embodiment of a loan coordination decision device for implementing all or part of the content of the loan coordination decision method, which may be installed in an initiating server of a bank initiating a loan audit, see fig. 4, where the loan coordination decision device specifically includes the following contents:
an originating collaboration module 10 for determining a first code of a first set of risk factor conditions to which a lending client belongs, and sending a second risk factor condition set and corresponding codes, the encryption decision matrix and the first codes to corresponding collaboration servers, determining a first code for a first set of risk factor conditions to which a lending client belongs, and sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server so that the collaboration server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, and carrying out decryption operation on the encryption decision matrix according to the first code and the second code, and returning a decryption value after the decryption operation.
And the cooperative decision module 20 is configured to receive the decryption value sent by the cooperative server, and determine a loan application result of the loan application client according to a corresponding relationship between the decryption value and the decision value.
From the above description, it can be seen that the loan collaborative decision-making device provided in the embodiment of the present application can perform collaborative decision-making on applying loan by comprehensively analyzing loan application risks of loan application clients in different servers/systems, thereby improving the loan review accuracy, reducing the loan loss risk, and simultaneously, ensuring the information security of the loan application clients by the information difference of the encryption decision matrix during encryption and decryption.
In order to ensure the information security of the loan application client, in an embodiment of the loan cooperation decision apparatus of the present application, referring to fig. 5, the following is also specifically included:
a decision matrix constructing unit 51, configured to construct an initial decision matrix in advance according to the first risk factor condition set and the second risk factor condition set belonging to the collaboration server using the decision value.
And a decision matrix encryption unit 52, configured to replace the decision value in the initial decision matrix with a corresponding non-repeating random number to obtain an encrypted decision matrix.
In order to improve the accuracy and efficiency of a loan audit decision under the premise of guaranteeing the information security of a client, the present application provides an embodiment of a loan collaboration decision apparatus for implementing all or part of the content of the loan collaboration decision method, and a collaboration server of another collaboration bank for assisting a bank initiating a loan audit, which is shown in fig. 6, where the loan collaboration decision apparatus specifically includes the following contents:
the receiving coordination module 30 is configured to receive an encryption decision matrix, a first code, a second risk factor condition set, and a corresponding code, which the loan application client belongs to, and determine that the second risk factor condition set to which the loan application client belongs determines the second code of the second risk factor condition set, where the first code is a value obtained by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded.
And the cooperative feedback module 40 is configured to perform a decryption operation on the encryption decision matrix according to the first code and the second code, and return a decrypted value after the decryption operation to the originating server, so that the originating server determines a loan application result of the loan application client according to a corresponding relationship between the decrypted value and the decision value.
To further illustrate the present disclosure, the present disclosure also provides a loan cooperation decision system for implementing a loan cooperation decision method by using the loan cooperation decision apparatus, which refers to fig. 7 and specifically includes a server and a cooperation server.
The initiating server includes:
and the initiation cooperation module 10 is configured to determine a first code of the first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, and send a second risk factor condition set and a corresponding code, the encryption decision matrix, and the first code to a corresponding cooperation server.
And the cooperative decision module 20 is configured to receive the decryption value sent by the cooperative server, and determine a loan application result of the loan application client according to a corresponding relationship between the decryption value and the decision value.
The collaboration server includes:
the receiving coordination module 30 is configured to receive an encryption decision matrix, a first code, a second risk factor condition set, and a corresponding code, which the loan application client belongs to, and determine that the second risk factor condition set to which the loan application client belongs determines the second code of the second risk factor condition set, where the first code is a value obtained by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded.
And the cooperative feedback module 40 is configured to perform a decryption operation on the encryption decision matrix according to the first code and the second code, and return a decrypted value after the decryption operation to the originating server, so that the originating server determines a loan application result of the loan application client according to a corresponding relationship between the decrypted value and the decision value.
From the above description, it can be seen that the loan collaborative decision making system provided in the embodiment of the present application can perform collaborative decision making on applying loan by comprehensively analyzing loan application risks of loan application clients in different servers/systems, thereby improving the loan review accuracy, reducing the loan loss risk, and simultaneously, ensuring the information security of the loan application clients by the information difference of the encryption decision matrix during encryption and decryption.
On the hardware level, in order to improve the accuracy and efficiency of a loan audit decision under the premise of ensuring the safety of customer information, the application provides an embodiment of an electronic device for implementing all or part of the loan collaboration decision method, where the electronic device specifically includes the following contents:
a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the loan cooperation decision-making device and relevant equipment such as a core service system, a user terminal, a relevant database and the like; the logic controller may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the logic controller may be implemented with reference to the embodiments of the loan coordination decision method and the embodiments of the loan coordination decision device in the embodiments, and the contents thereof are incorporated herein, and repeated descriptions are omitted here.
It is understood that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), an in-vehicle device, a smart wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..
In practical applications, part of the loan coordination decision method may be executed on the electronic device side as described above, or all operations may be performed in the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.
The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.
Fig. 8 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 8, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this FIG. 8 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the loan collaborative decision method functionality may be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:
step S101: determining a first code of a first risk factor condition set according to a first risk factor condition set to which an loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server, determining the first code of the first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server so that the collaboration server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation.
Step S102: and receiving a decryption value sent by the collaboration server, and determining a loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
As can be seen from the above description, the electronic device provided in the embodiment of the present application performs a collaborative decision on an application loan by comprehensively analyzing loan application risks of loan application clients in different servers/systems, so as to improve the loan audit accuracy and reduce the loan loss risk, and meanwhile, the information security of the loan application clients is ensured by the information difference of the encryption decision matrix during encryption and decryption.
In another embodiment, the loan coordination decision apparatus may be configured separately from the central processor 9100, for example, the loan coordination decision apparatus may be configured as a chip connected to the central processor 9100, and the loan coordination decision method function may be realized by the control of the central processor.
As shown in fig. 8, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 8; further, the electronic device 9600 may further include components not shown in fig. 8, which may be referred to in the art.
As shown in fig. 8, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.
The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
Embodiments of the present application further provide a computer-readable storage medium capable of implementing all the steps in the loan collaborative decision method in which the execution subject is the server or the client in the above embodiments, where the computer-readable storage medium stores thereon a computer program, and when the computer program is executed by a processor, the computer program implements all the steps in the loan collaborative decision method in which the execution subject is the server or the client, for example, the processor implements the following steps when executing the computer program:
step S101: determining a first code of a first risk factor condition set according to a first risk factor condition set to which an loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server, determining the first code of the first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server so that the collaboration server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation.
Step S102: and receiving a decryption value sent by the collaboration server, and determining a loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application performs a collaborative decision on an application loan by comprehensively analyzing loan application risks of loan application clients in different servers/systems, so as to improve the accuracy of loan audit and reduce the risk of loan loss, and meanwhile, the information security of the loan application clients is ensured by using the information difference of the encryption decision matrix during encryption and decryption.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A collaborative decision-making method for loan, the method comprising:
determining a first code of a first risk factor condition set according to a first risk factor condition set to which a loan application client belongs, sending a second risk factor condition set, a corresponding code, an encryption decision matrix and the first code to a corresponding coordination server, determining the first code of the first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, sending a second risk factor condition set, the corresponding code, the encryption decision matrix and the first code to the corresponding coordination server so that the coordination server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation;
and receiving a decryption value sent by the collaboration server, and determining a loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
2. The collaborative decision-making loan method according to claim 1, further comprising:
an initial decision matrix is constructed in advance according to a first risk factor condition set and a second risk factor condition set belonging to the first risk factor condition set in the collaboration server by using decision values;
and replacing the decision value in the initial decision matrix with a corresponding non-repeated random number to obtain an encryption decision matrix.
3. The loan synergy decision method according to claim 2, further comprising, after the replacing the decision value in the initial decision matrix with the corresponding non-repeating random number, before obtaining an encrypted decision matrix:
and coding according to the first risk factor condition set and the second risk factor condition set, and performing symmetric encryption processing on the initial decision matrix by taking the first code and the second code in the initial decision matrix as keys.
4. A collaborative decision-making method for loan, the method comprising:
receiving an encryption decision matrix sent by an initiating server, a first code, a second risk factor condition set and a corresponding code to which a loan application client belongs, and determining the second code of the second risk factor condition set determined by the second risk factor condition set to which the loan application client belongs, wherein the first code is a value determined by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded;
and decrypting the encryption decision matrix according to the first code and the second code, and returning a decrypted value after the decryption operation to the initiating server, so that the initiating server determines a loan application result of the loan application client according to the corresponding relation between the decrypted value and the decision value.
5. A loan synergy decision device, comprising:
an initiating cooperation module, configured to determine a first code of a first risk factor condition set according to the first risk factor condition set to which the loan application client belongs, and sending the second risk factor condition set and the corresponding code, the encryption decision matrix and the first code to the corresponding collaboration server, determining a first code for a first set of risk factor conditions to which a lending client belongs, and sending a second risk factor condition set and a corresponding code, the encryption decision matrix and the first code to a corresponding collaboration server so that the collaboration server determines a second code of the second risk factor condition set according to the second risk factor condition set to which the loan application client belongs, carrying out decryption operation on the encryption decision matrix according to the first code and the second code, and returning a decryption value after the decryption operation;
and the collaborative decision module is used for receiving the decryption value sent by the collaborative server and determining the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
6. The loan synergy decision device according to claim 5, further comprising:
a decision matrix construction unit, configured to construct an initial decision matrix in advance according to the first risk factor condition set and a second risk factor condition set belonging to the first risk factor condition set in the collaboration server using a decision value;
and the decision matrix encryption unit is used for replacing the decision value in the initial decision matrix with the corresponding non-repeated random number to obtain an encryption decision matrix.
7. A loan synergy decision device, comprising:
the receiving coordination module is used for receiving an encryption decision matrix sent by an initiating server, a first code, a second risk factor condition set and a corresponding code, which the loan application client belongs to, and determining the second code of the second risk factor condition set determined by the second risk factor condition set to which the loan application client belongs, wherein the first code is a value determined by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded;
and the collaborative feedback module is used for carrying out decryption operation on the encryption decision matrix according to the first code and the second code and returning a decryption value after the decryption operation to the originating server so that the originating server determines the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
8. A loan collaborative decision-making system is characterized by comprising an initiating server and a collaborative server;
the initiating server includes:
the system comprises an initiating cooperation module, a second cooperation server and a third cooperation server, wherein the initiating cooperation module is used for determining a first code of a first risk factor condition set according to the first risk factor condition set to which a loan application client belongs, and sending a second risk factor condition set, a corresponding code, an encryption decision matrix and the first code to the corresponding cooperation server;
the collaborative decision module is used for receiving the decryption value sent by the collaborative server and determining the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value;
the collaboration server includes:
the receiving coordination module is used for receiving an encryption decision matrix sent by an initiating server, a first code, a second risk factor condition set and a corresponding code, which the loan application client belongs to, and determining the second code of the second risk factor condition set determined by the second risk factor condition set to which the loan application client belongs, wherein the first code is a value determined by the initiating server after the first risk factor condition set to which the loan application client belongs is encoded;
and the collaborative feedback module is used for carrying out decryption operation on the encryption decision matrix according to the first code and the second code and returning a decryption value after the decryption operation to the originating server so that the originating server determines the loan application result of the loan application client according to the corresponding relation between the decryption value and the decision value.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the steps of the loan synergy decision method of any one of claims 1 to 4.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the loan synergy decision method according to any one of claims 1 to 4.
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