CN114119205A - Credit matching method, device, equipment and medium based on dynamic configuration - Google Patents

Abstract

The invention discloses a credit granting matching method, a device, equipment and a medium based on dynamic configuration, wherein the method comprises the following steps: updating a preset credit granting matching database according to credit granting updating information from a credit granting terminal, acquiring credit granting basic information corresponding to a credit granting request from a client side from a management information database, further performing credit granting grading to obtain a credit granting evaluation value, acquiring alternative credit granting matching information corresponding to the credit granting request and the credit granting evaluation value from the credit granting matching database, and screening the alternative credit granting matching information according to the life insurance basic information to obtain a target credit granting channel to be sent to the client side. The invention belongs to the technical field of artificial intelligence, and provides a method for updating a credit granting matching rule in time by dynamic configuration, wherein the credit granting matching rule is dynamically configured on the basis of credit granting updating information, the intelligent matching is carried out on the basis of the credit granting matching rule to screen a target credit granting channel, and the credit granting matching rule is updated in time by dynamic configuration, so that the flexibility of rule configuration and the accuracy of credit granting matching are improved.

Description

Credit matching method, device, equipment and medium based on dynamic configuration

Technical Field

The invention relates to the technical field of artificial intelligence, belongs to an application scene of credit granting matching for clients based on dynamic configuration in intelligent finance, and particularly relates to a credit granting matching method, device, equipment and medium based on dynamic configuration.

Background

The credit business in the enterprise financial business can be configured with a plurality of channels for credit authorization, when a specific credit business is handled, different sponsors need to be pushed for credit authorization according to the qualification of customers, due to the difference of the qualifications among the customers, the quota and credit authorization conditions of credit authorization channels are different, enterprises can only carry out matching analysis according to the qualification of the customers and the standards of the credit authorization channels usually, so that the corresponding credit authorization channels are pushed to the customers for credit handling, the technical method is time-consuming, labor-consuming and insufficient in flexibility, the matching analysis process cannot be dynamically adjusted based on market quotation change or credit authorization channel change, and the matching analysis process cannot be adjusted flexibly in real time, so that the customers and the credit authorization channels cannot be accurately matched and butted, and the credit handling efficiency is influenced. Therefore, the problem of insufficient accuracy of credit granting matching caused by poor flexibility exists when credit granting matching docking is performed in the method in the prior art.

Disclosure of Invention

The embodiment of the invention provides a credit granting matching method, device, equipment and medium based on dynamic configuration, aiming at solving the problem of insufficient accuracy in the prior art when credit granting matching docking is carried out.

In a first aspect, an embodiment of the present invention provides a credit granting matching method based on dynamic configuration, where the method is applied to a management server, and a network connection is established between the management server and a client and a credit granting terminal to implement transmission of data information, and the method includes:

if receiving credit authorization updating information from the credit authorization terminal, updating a preset credit authorization matching database according to the credit authorization updating information;

if a credit granting request input by a client is received, acquiring credit granting basic information corresponding to the credit granting request from a preset management information database;

performing credit granting scoring on the credit granting basic information according to a preset credit granting scoring model to obtain a credit granting scoring value corresponding to the credit granting basic information;

acquiring alternative credit granting matching information matched with the credit granting score value and the credit granting request from the credit granting matching database;

screening out a target credit granting channel matched with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information;

and sending the target credit granting channel to the client.

In a second aspect, an embodiment of the present invention provides a credit matching apparatus based on dynamic configuration, which includes:

the authorization matching database updating unit is used for updating a preset authorization matching database according to the authorization updating information if the authorization updating information from the authorization terminal is received;

the credit granting basic information acquisition unit is used for acquiring credit granting basic information corresponding to a credit granting request from a preset management information database if the credit granting request input by a client is received;

the credit granting score value acquisition unit is used for granting scores to the credit granting basic information according to a preset credit granting score model so as to obtain a credit granting score value corresponding to the credit granting basic information;

the alternative credit granting matching information acquisition unit is used for acquiring alternative credit granting matching information matched with the credit granting score value and the credit granting request from the credit granting matching database;

the target credit granting channel acquisition unit is used for screening out a target credit granting channel matched with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information;

and the target credit granting channel sending unit is used for sending the target credit granting channel to the client.

In a third aspect, an embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the credit matching method based on dynamic configuration according to the first aspect when executing the computer program.

In a fourth aspect, the embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and the computer program, when executed by a processor, causes the processor to execute the credit matching method based on dynamic configuration according to the first aspect.

The embodiment of the invention provides a credit granting matching method, device, equipment and medium based on dynamic configuration. Updating a preset credit granting matching database according to credit granting updating information from a credit granting terminal, acquiring credit granting basic information corresponding to a credit granting request from a client side from a management information database, further performing credit granting grading to obtain a credit granting evaluation value, acquiring alternative credit granting matching information corresponding to the credit granting request and the credit granting evaluation value from the credit granting matching database, and screening the alternative credit granting matching information according to the life insurance basic information to obtain a target credit granting channel to be sent to the client side. By the method, the credit granting matching rules contained in the credit granting matching database can be dynamically configured based on the credit granting updating information, the credit granting requests and credit granting scores are intelligently matched based on the dynamically configured credit granting matching rules to screen the target credit granting channels, the credit granting matching rules are updated in time through dynamic configuration, flexibility of obtaining the credit granting channels when credit granting matching docking is carried out is greatly improved, and efficiency and accuracy of credit granting matching can be improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, 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 flowchart of a credit matching method based on dynamic configuration according to an embodiment of the present invention;

fig. 2 is a schematic view of an application scenario of the dynamically configured trust matching method according to the embodiment of the present invention;

fig. 3 is a sub-flow diagram of a credit matching method based on dynamic configuration according to an embodiment of the present invention;

fig. 4 is another sub-flow diagram of the credit matching method based on dynamic configuration according to the embodiment of the present invention;

fig. 5 is another sub-flow diagram of the credit matching method based on dynamic configuration according to the embodiment of the present invention;

fig. 6 is another sub-flow diagram of the credit matching method based on dynamic configuration according to the embodiment of the present invention;

fig. 7 is another sub-flow diagram of the credit matching method based on dynamic configuration according to the embodiment of the present invention;

fig. 8 is another schematic flow chart of a credit matching method based on dynamic configuration according to an embodiment of the present invention;

fig. 9 is a schematic block diagram of a credit matching apparatus based on dynamic configuration according to an embodiment of the present invention;

FIG. 10 is a schematic block diagram of a computer device provided by an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.

It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.

It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

Referring to fig. 1 and fig. 2, fig. 1 is a schematic flow chart illustrating a credit matching method based on dynamic configuration according to an embodiment of the present invention; fig. 2 is a schematic view of an application scenario of the dynamically configured trust matching method according to the embodiment of the present invention; the credit granting matching method based on dynamic configuration is applied to the management server 10, the credit granting matching method based on dynamic configuration is executed through application software installed in the management server 10, and network connection is established between the management server 10 and the client 20 and the credit granting terminal 30 to realize data information transmission; the management server 10 is a server side for executing a credit granting matching method based on dynamic configuration to grant credit to clients based on dynamic configuration, the credit granting terminal 30 is a terminal device capable of sending credit granting update information to the management server to update a credit granting matching database, and the client side 20 is a terminal device, such as a desktop computer, a notebook computer, a tablet computer, or a mobile phone, for transmitting data information with the management server 10 to obtain a target credit granting channel to complete credit granting business transaction. As shown in fig. 1, the method includes steps S110 to S160.

And S110, if receiving the credit authorization updating information from the credit authorization terminal, updating a preset credit authorization matching database according to the credit authorization updating information.

And if the credit authorization updating information from the credit authorization terminal is received, updating a preset credit authorization matching database according to the credit authorization updating information. The credit authorization terminal can send credit authorization update information to the management server, a credit authorization matching database is configured in the management server, the credit authorization matching database is a database used for storing credit authorization screening rules and credit authorization packets, and the management server can receive the credit authorization update information and update the information stored in the credit authorization matching database.

In an embodiment, as shown in fig. 3, step S110 includes sub-steps S111, S112 and S113.

S111, updating parameters of credit granting screening rules in a credit granting matching database according to screening parameter updating information contained in the credit granting updating information; s112, generating a newly added credit granting channel according to newly added channel updating information contained in the credit granting updating information, and adding the newly added credit granting channel to the credit granting matching database; s113, grouping and sorting trust channels in the trust matching database to update trust groups contained in the trust matching database to obtain the updated trust matching database.

Specifically, the credit matching database comprises credit screening rules corresponding to each customer group and credit grouping corresponding to each customer group, whether the credit updating information comprises screening parameter updating information or not can be judged, if yes, parameters in the corresponding credit screening rules in the credit matching database can be updated according to the screening parameter updating information, the parameters can be parameters for screening credit channels, the credit screening rules can be updated to be applicable to all credit channels, and the unified configuration of the credit screening rules applicable to the credit channels can be realized; if not, the credit screening rule in the credit matching database does not need to be updated. Further judging whether the credit updating information contains newly added channel updating information or not, if so, indicating that one or more credit sponsors are newly accessed, and generating one or more corresponding newly added credit channels according to the newly added channel updating information and adding the channels to a credit matching database; if not, no new credit granting channel is needed to be generated and added. Grouping and sorting are carried out according to the newly added credit granting channels in the credit granting matching database and the credit granting channels currently contained in each credit granting group, for example, sorting can be carried out according to credit granting balance and credit granting single quota corresponding to the credit granting channels, and each credit granting channel is sequentially grouped into the corresponding credit granting group according to the sorting result, so that updating of the credit granting groups contained in the credit granting matching database is realized, and the process of updating the credit granting matching database is also the process of dynamic configuration of credit granting rules.

And S120, if a credit granting request input by the client is received, acquiring credit granting basic information corresponding to the credit granting request from a preset management information database.

And if a credit granting request input by the client is received, acquiring credit granting basic information corresponding to the credit granting request from a preset management information database. The management server is provided with a management information database, the management information database is a database used for storing and managing client related information in an enterprise, the credit granting request comprises client related identification information, the identification information can be information which is uniquely corresponding to a client, such as a client identity card number or a client code, and the like, and can acquire corresponding credit granting basic information from the management information database according to the identification information, wherein the credit granting basic information comprises client qualification information and client transaction information, and the credit granting basic information can be used for granting credit analysis to the client and handling corresponding credit business.

S130, credit granting scoring is carried out on the credit granting basic information according to a preset credit granting scoring model so as to obtain a credit granting scoring value corresponding to the credit granting basic information.

And carrying out credit granting scoring on the credit granting basic information according to a preset credit granting scoring model so as to obtain a credit granting scoring value corresponding to the credit granting basic information. In order to quantitatively evaluate the credit granting qualification of different customers, the targeted credit granting service is provided for the customers according to different credit granting qualification conditions, the customers can be credited and graded based on the credit granting basic information of the customers, and the obtained credit rating value can be used for integrally evaluating the credit granting qualification of the customers. The credit granting scoring model is a model capable of scoring customers based on customer related information, wherein the customer group classification model includes characteristic quantitative information and a scoring neural network.

In an embodiment, as shown in fig. 4, step S130 includes sub-steps S131, S132, and S133.

S131, extracting corresponding credit granting characteristic information from the credit granting basic information according to the characteristic items contained in the characteristic quantitative information.

The characteristic quantization information is specific information for quantizing characteristic information related to the client, and the characteristic quantization information comprises a plurality of characteristic items and mapping quantization rules corresponding to each characteristic item. Then, according to the feature items contained in the feature quantitative information, feature attributes corresponding to each feature item can be extracted from the credit granting basic information to be used as credit granting feature information. Specifically, the credit granting basic information consists of client qualification information and client transaction information, wherein the client qualification information comprises a name, an identity card number, an age, a home address, a mobile phone number, a gender, an issuing authority, an occupation, an affiliated industry, a company address, marital conditions, annual income, equipment types and the like, and the client transaction information comprises credit granting transaction time, transaction amount, repayment operation, credit use failure times, a credit granting transaction sponsor and the like. The number of the characteristic items contained in the characteristic quantitative information is not more than the number of the items contained in the credit basic information.

In addition, after the credit granting characteristic information is obtained, whether the credit granting characteristic information meets the credit granting admission standard or not can be judged, if the age value in the credit granting characteristic information is in the credit granting age interval or not, if the age value is not in the credit granting age interval, the client is judged to be a client with inconsistent qualification.

And S132, carrying out quantization processing on the credit granting characteristic information according to the characteristic quantization information to obtain corresponding credit granting quantization characteristics.

And respectively carrying out quantization processing on each characteristic attribute contained in the credit granting characteristic information according to a mapping quantization rule corresponding to each characteristic item in the characteristic quantization information to obtain a credit granting quantization characteristic, wherein the credit granting quantization characteristic is information obtained by carrying out quantization representation on each characteristic attribute by adopting a numerical value.

Specifically, for the feature attributes expressed in a non-numerical form, the mapping quantization rule is a plurality of sets of mapping relationships corresponding to the corresponding feature items, and each set of mapping relationships includes one feature attribute and a corresponding feature value. For example, if all the feature attributes corresponding to the feature item of profession are non-numeric values, the included sets of mapping relationships can be represented as: white collar-0.55, blue collar-0.45, official-0.7, college student-0.25 …, if the characteristic attribute corresponding to the feature item of the profession in the credit characteristic information of a certain client is "white collar", the corresponding characteristic numerical value is "0.55". And for the characteristic attribute expressed in a numerical form, the mapping quantization rule is a mapping quantization formula corresponding to the corresponding characteristic item, and the corresponding characteristic attribute is converted into a decimal within [0,1] through the mapping quantization formula to be expressed, so that the corresponding characteristic numerical value is obtained. The characteristic numerical values corresponding to each characteristic attribute in the credit granting characteristic information are obtained through the method and combined, and then the corresponding credit granting quantitative characteristics can be obtained.

And S133, inputting the credit quantification characteristics into the scoring neural network to perform credit scoring to obtain corresponding credit scoring values.

The obtained credit granting quantitative characteristics can be input into a scoring neural network for credit granting scoring to obtain credit granting scoring values corresponding to the credit granting quantitative characteristics, the credit granting scoring values can be used for overall evaluation of credit granting qualities of clients, the scoring neural network can be an intelligent neural network constructed based on artificial intelligence, the scoring neural network can be composed of an input layer, a plurality of intermediate layers and an output layer, correlation is carried out between the input layer and the first intermediate layer, between the intermediate layers and other intermediate layers adjacent to the front and back, and between the tail intermediate layer and the output layer through correlation formulas, and the correlation formulas can be represented by linear functions. The input layer may include a plurality of input nodes, the number of the input nodes may be equal to the number of the feature items included in the feature quantization information, each input node may be configured to input a corresponding feature value in the credit granting quantization feature, the output layer includes an output node, and an output value of the output node is a corresponding credit granting score value. A plurality of characteristic values contained in the credit quantification characteristic are input from an input layer, and through correlation calculation of nodes contained in a scoring neural network, a corresponding credit rating value can be output by an output node, the value range of the credit rating value is [0,1], the closer the obtained credit rating value is to '1', the better the credit qualification of the client is, and the closer the value is to '0', the worse the credit qualification of the client is.

In addition, before credit granting and scoring by using the scoring neural network, iterative training can be performed on the initial neural network through a training data set preset in the association server, the training data set consists of a plurality of pieces of training data, each piece of training data can be used for performing one-time training on the initial neural network, and the trained scoring neural network can be obtained through iterative training.

S140, obtaining alternative credit granting matching information matched with the credit granting scoring value and the credit granting request from the credit granting matching database.

The credit matching database comprises credit screening rules and credit packets corresponding to a plurality of client groups respectively, the credit request comprises a credit limit input by a client, the credit limit is a limit value expected to be obtained by the client, and the credit screening rules and the credit packets matched with the credit scoring value and the credit request can be obtained from the credit request as alternative credit matching information.

In an embodiment, as shown in fig. 5, step S140 includes sub-steps S141 and S142.

And S141, classifying and matching the credit rating value and the credit limit in the credit request according to preset passenger group classification matching information so as to obtain a corresponding target passenger group through matching.

The customers can be classified according to the customer group classification matching information, namely, the credit rating value and the credit limit are classified and matched according to the customer group classification matching information to obtain a target customer group matched with the customers, and the customers belonging to the same customer group have similar characteristics. For example, the group classification may include a high-quality credit, a medium-quality credit, a low-quality credit, a high-quality medium credit, a medium-quality medium credit, a low-quality medium credit, a high-quality low credit, a medium-quality low credit, and a low-quality low credit, and if the matching information corresponding to the "high-quality" is that the annual income is 10 to 20 ten thousand and the credit rating value is greater than 0.6, or the annual income is greater than 20 ten thousand and the credit rating value is greater than 0.4, and the matching information corresponding to the "high-quality" is that the credit rating value is greater than 6 ten thousand yuan, the matching may be performed according to the credit rating value, and the annual income of the current customer to determine the target group corresponding to the current customer.

S142, obtaining credit granting screening rules and credit granting groups matched with the target passenger group from the credit granting matching database, and determining the credit granting screening rules and the credit granting groups as corresponding alternative credit granting matching information.

The credit granting screening rule matched with the target customer group and a credit granting packet corresponding to the target customer can be obtained from the credit granting matching database, and then the alternative credit granting matching information matched with the credit granting scoring value and the credit granting request can be obtained.

S150, screening out a target credit granting channel matched with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information.

And screening out a target credit granting channel matched with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information. Specifically, the alternative credit granting matching information includes a corresponding credit granting screening rule and a corresponding credit granting packet, and the credit granting channels included in the credit granting packet can be screened according to the credit granting screening rule and the credit granting basic information, so that the credit granting channel matched with the credit granting basic information is obtained as the target credit granting channel.

In one embodiment, as shown in FIG. 6, step S150 includes sub-steps S151 and S152.

And S151, judging the credit granting basic information according to the credit granting screening rule in the alternative credit granting matching information, and acquiring a corresponding exclusion tag according to a judgment result.

The credit granting screening rule comprises a plurality of exclusion conditions, whether the credit granting basic information meets each exclusion condition in the credit granting screening rule can be sequentially judged, and if the credit granting basic information meets a certain exclusion condition, an exclusion tag corresponding to the exclusion condition is recorded; if the credit basic information does not meet a certain exclusion condition, the exclusion tag corresponding to the exclusion condition does not need to be recorded.

For example, if a certain exclusion condition is that whether the first three digits of the mobile phone number in the credit basic information are the same as "184", "178" or "172", and if the first three digits of the mobile phone number in the credit basic information are the same as "184", "178" or "172", that is, it indicates that the credit basic information satisfies the exclusion condition, the exclusion tag corresponding to the exclusion condition is recorded: and the channel of the company A needs to screen the credit granting channel matched with the channel of the company A from the credit granting group.

S152, obtaining and screening the credit granting channel matched with the exclusion label from the credit granting packet of the alternative credit granting matching information, and determining the remaining credit granting channels after screening as target credit granting channels matched with the credit granting basic information.

And obtaining a credit granting channel matched with the exclusion label from the credit granting packet and screening out the credit granting channel, and determining the remaining credit granting channel after screening out the credit granting packet as a target credit granting channel matched with the credit granting basic information.

In one embodiment, as shown in fig. 7, step S152 is followed by steps S153, S154, S155 and S155.

S153, judging whether the number of the target credit granting channels is zero or not; s154, if the number of the target credit granting channels is not zero, executing the step of sending the target credit granting channels to the client; s155, if the number of the target credit granting channels is zero, judging whether the credit failure times in the customer transaction information are not more than a preset time threshold value or not; and S156, if the credit failure times are larger than the time threshold, changing the credit line in the credit granting request and returning to execute the step of acquiring the alternative credit granting matching information matched with the credit granting score value and the credit granting request from the credit granting matching database.

After the target credit granting channels are obtained, whether the number of the target credit granting channels is zero or not can be further judged, and if not, the target credit granting channels are sent to the client; if the number of the target credit channels is zero, it indicates that there is no credit channel satisfying the customer condition in the customer group where the customer is located, and it can be further determined whether the credit failure times in the customer transaction information corresponding to the customer is not greater than a preset time threshold, for example, the time threshold can be configured to 10 times, if the credit failure times are greater than the time threshold, the credit limit in the credit request is changed, if the original credit limit/2 is obtained a new credit limit and the credit request is changed, and the step S140 is returned to be executed, the customer group classification can be performed on the customer based on the changed credit limit again, that is, the customer group matched with the customer is obtained again to re-determine the target credit channel; and if the credit failure times are larger than the time threshold, feeding back prompt information which cannot acquire the target credit granting channel to the client after adding one to the credit failure times.

And S160, sending the target credit granting channel to the client.

The obtained target credit channel is a credit channel matched with the credit qualification matched with the current client, the target credit channel can be sent to the client, specifically, credit push information can be generated based on the target credit channel and pushed to the client, and the client can select the target credit channel contained in the credit push information after receiving the credit push information through the client, so that the corresponding credit business can be handled according to the selection of the client.

In one embodiment, as shown in fig. 8, steps S170 and S180 are further included after step S160.

S170, if channel selection information fed back by the client according to the target credit granting channel is received, transacting credit granting business according to the channel selection information and recording the transaction process to obtain corresponding transaction record information; and S180, updating the client transaction information corresponding to the channel selection information in a management information database according to the transaction record information.

If channel selection information fed back by the client is received, a corresponding credit contract is signed with the client according to the channel selection information and the client is transacted with the credit service, the transaction process is recorded to obtain transaction record information, the client transaction information which is stored in the management information database and is matched with the client is updated according to the transaction record information, and the updated client transaction information in the management information database can be used when the client is subsequently transacted again.

The technical method can be applied to an application scene of credit matching of the client based on dynamic configuration in intelligent finance.

In the credit granting matching method based on dynamic configuration provided by the embodiment of the invention, a preset credit granting matching database is updated according to credit granting updating information from a credit granting terminal, credit granting basic information corresponding to a credit granting request from a client side is acquired from a management information database, credit granting scoring is further performed to obtain a credit granting evaluation value, alternative credit granting matching information corresponding to the credit granting request and the credit granting evaluation value is acquired from the credit granting matching database, and a target credit granting channel is obtained by screening the alternative credit granting matching information according to the life insurance basic information and is sent to the client side. By the method, the credit granting matching rules contained in the credit granting matching database can be dynamically configured based on the credit granting updating information, the credit granting requests and credit granting scores are intelligently matched based on the dynamically configured credit granting matching rules to screen the target credit granting channels, the credit granting matching rules are updated in time through dynamic configuration, flexibility of obtaining the credit granting channels when credit granting matching docking is carried out is greatly improved, and efficiency and accuracy of credit granting matching can be improved.

The embodiment of the present invention further provides a credit granting matching device based on dynamic configuration, wherein the credit granting matching device based on dynamic configuration may be configured in the management server 10, and the credit granting matching device based on dynamic configuration is configured to execute any embodiment of the above credit granting matching method based on dynamic configuration. Specifically, referring to fig. 9, fig. 9 is a schematic block diagram of a credit matching apparatus based on dynamic configuration according to an embodiment of the present invention.

As shown in fig. 9, the credit matching apparatus 100 based on dynamic configuration includes an authorization matching database updating unit 110, a credit basic information obtaining unit 120, a credit score value obtaining unit 130, an alternative credit matching information obtaining unit 140, a target credit channel obtaining unit 150, and a target credit channel transmitting unit 160.

And the authorization matching database updating unit 110 is configured to update a preset trust matching database according to the trust updating information if the trust updating information from the trust terminal is received.

In one embodiment, the authorization matching database updating unit 110 includes sub-units: the parameter updating unit is used for updating the parameters of the credit granting screening rules in the credit granting matching database according to the screening parameter updating information contained in the credit granting updating information; the channel adding unit is used for generating a newly increased credit granting channel according to newly increased channel updating information contained in the credit granting updating information and adding the newly increased credit granting channel to the credit granting matching database; and the grouping and sorting unit is used for grouping and sorting the credit granting channels in the credit granting matching database so as to update the credit granting groups contained in the credit granting matching database and obtain the updated credit granting matching database.

A credit granting basic information obtaining unit 120, configured to, if a credit granting request input by a client is received, obtain, from a preset management information database, credit granting basic information corresponding to the credit granting request.

And a credit rating value obtaining unit 130, configured to perform credit rating on the credit basic information according to a preset credit rating model, so as to obtain a credit rating value corresponding to the credit basic information.

In an embodiment, the credit rating value obtaining unit 130 includes sub-units: the credit granting characteristic information extraction unit is used for extracting corresponding credit granting characteristic information from the credit granting basic information according to the characteristic items contained in the characteristic quantitative information; the credit granting quantitative characteristic acquisition unit is used for carrying out quantitative processing on the credit granting characteristic information according to the characteristic quantitative information to obtain corresponding credit granting quantitative characteristics; and the credit granting and scoring unit is used for inputting the credit granting and quantifying characteristics into the scoring neural network to grant credit scoring to obtain corresponding credit granting and scoring values.

An alternative credit granting matching information obtaining unit 140, configured to obtain alternative credit granting matching information matched with the credit granting score value and the credit granting request from the credit granting matching database.

In a specific embodiment, the candidate trust matching information obtaining unit 140 includes sub-units: the target passenger group obtaining unit is used for carrying out classification matching on the credit rating value and the credit line in the credit request according to preset passenger group classification matching information so as to obtain a corresponding target passenger group through matching; and the matching information acquisition unit is used for acquiring the credit granting screening rule and the credit granting packet matched with the target passenger group from the credit granting matching database and determining the credit granting screening rule and the credit granting packet as corresponding alternative credit granting matching information.

And the target credit granting channel acquisition unit 150 is configured to screen out a target credit granting channel matched with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information.

In an embodiment, the target trust channel obtaining unit 150 includes sub-units: the excluded tag obtaining unit is used for judging the credit granting basic information according to the credit granting screening rule in the alternative credit granting matching information so as to obtain a corresponding excluded tag according to a judgment result; and the credit granting channel screening unit is used for acquiring the credit granting channel matched with the exclusion label from the credit granting packet of the alternative credit granting matching information, screening out the credit granting channel, and determining the remaining credit granting channels after screening out as target credit granting channels matched with the credit granting basic information.

In an embodiment, the target trust channel obtaining unit 150 includes sub-units: the quantity judging unit is used for judging whether the quantity of the target credit granting channels is zero or not; if the number of the target credit granting channels is not zero, the step of sending the target credit granting channels to the client side is executed; the credit consumption failure frequency judging unit is used for judging whether the credit consumption failure frequency in the customer transaction information is not more than a preset frequency threshold value or not if the number of the target credit granting channels is zero; and the return execution unit is used for changing the credit line in the credit granting request and returning to execute the step of acquiring the alternative credit granting matching information matched with the credit granting score value and the credit granting request from the credit granting matching database if the credit failure times are larger than the time threshold.

And the target credit granting channel sending unit 160 is configured to send the target credit granting channel to the client.

In an embodiment, the credit matching apparatus 100 based on dynamic configuration further includes a subunit: a transaction record information obtaining unit, configured to, if channel selection information fed back by the client according to the target credit granting channel is received, handle the credit granting service according to the channel selection information and record a handling process to obtain corresponding transaction record information; and the client transaction information updating unit is used for updating the client transaction information corresponding to the channel selection information in the management information database according to the transaction record information.

The credit granting matching device based on dynamic configuration provided by the embodiment of the invention is applied to the credit granting matching method based on dynamic configuration, a preset credit granting matching database is updated according to credit granting updating information from a credit granting terminal, basic credit granting information corresponding to a credit granting request from a client side is obtained from a management information database, credit granting scoring is further carried out to obtain a credit granting score value, alternative credit granting matching information corresponding to the credit granting request and the credit granting score value is obtained from the credit granting matching database, and a target credit granting channel is obtained by screening the alternative credit granting matching information according to the life insurance basic information and is sent to the client side. By the method, the credit granting matching rules contained in the credit granting matching database can be dynamically configured based on the credit granting updating information, the credit granting requests and credit granting scores are intelligently matched based on the dynamically configured credit granting matching rules to screen the target credit granting channels, the credit granting matching rules are updated in time through dynamic configuration, flexibility of obtaining the credit granting channels when credit granting matching docking is carried out is greatly improved, and efficiency and accuracy of credit granting matching can be improved.

The credit matching apparatus based on dynamic configuration may be implemented in the form of a computer program, and the computer program may be run on a computer device as shown in fig. 10.

Referring to fig. 10, fig. 10 is a schematic block diagram of a computer device according to an embodiment of the present invention. The computer device may be a management server 10 for executing a dynamic configuration-based credit matching method for credit matching to clients based on a dynamic configuration.

Referring to fig. 10, the computer device 500 includes a processor 502, memory, and a network interface 505 connected by a system bus 501, where the memory may include a storage medium 503 and an internal memory 504.

The storage medium 503 may store an operating system 5031 and a computer program 5032. The computer program 5032, when executed, may cause the processor 502 to perform a dynamic configuration-based trust matching method, wherein the storage medium 503 may be a volatile storage medium or a non-volatile storage medium.

The processor 502 is used to provide computing and control capabilities that support the operation of the overall computer device 500.

The internal memory 504 provides an environment for the operation of the computer program 5032 in the storage medium 503, and when the computer program 5032 is executed by the processor 502, the processor 502 can be enabled to execute the credit matching method based on dynamic configuration.

The network interface 505 is used for network communication, such as providing transmission of data information. Those skilled in the art will appreciate that the configuration shown in fig. 10 is a block diagram of only a portion of the configuration associated with aspects of the present invention and is not intended to limit the computing device 500 to which aspects of the present invention may be applied, and that a particular computing device 500 may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

The processor 502 is configured to run a computer program 5032 stored in the memory to implement the corresponding functions in the above-mentioned credit matching method based on dynamic configuration.

Those skilled in the art will appreciate that the embodiment of a computer device illustrated in fig. 10 does not constitute a limitation on the specific construction of the computer device, and that in other embodiments a computer device may include more or fewer components than those illustrated, or some components may be combined, or a different arrangement of components. For example, in some embodiments, the computer device may only include a memory and a processor, and in such embodiments, the structures and functions of the memory and the processor are consistent with those of the embodiment shown in fig. 10, and are not described herein again.

It should be understood that, in the embodiment of the present invention, the Processor 502 may be a Central Processing Unit (CPU), and the Processor 502 may also be other general-purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, and the like. Wherein a general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

In another embodiment of the invention, a computer-readable storage medium is provided. The computer readable storage medium may be a volatile or non-volatile computer readable storage medium. The computer-readable storage medium stores a computer program, wherein the computer program, when executed by a processor, implements the steps included in the above-mentioned credit matching method based on dynamic configuration.

It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described apparatuses, devices and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

In the embodiments provided by the present invention, it should be understood that the disclosed apparatus, device and method can be implemented in other ways. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only a logical division, and there may be other divisions when the actual implementation is performed, or units having the same function may be grouped into one unit, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may also be an electric, mechanical or other form of connection.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment of the present invention.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention essentially contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product stored in a computer-readable storage medium, which includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned computer-readable storage media comprise: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a magnetic disk, or an optical disk.

While the invention has been described with reference to specific embodiments, the invention is not limited thereto, and various equivalent modifications and substitutions can be easily made by those skilled in the art within the technical scope of the invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (10)

1. A credit granting matching method based on dynamic configuration is characterized in that the method is applied to a management server, network connection is established between the management server and a client and a credit granting terminal to realize data information transmission, and the method comprises the following steps:

if receiving credit authorization updating information from the credit authorization terminal, updating a preset credit authorization matching database according to the credit authorization updating information;

if a credit granting request input by a client is received, acquiring credit granting basic information corresponding to the credit granting request from a preset management information database;

performing credit granting scoring on the credit granting basic information according to a preset credit granting scoring model to obtain a credit granting scoring value corresponding to the credit granting basic information;

acquiring alternative credit granting matching information matched with the credit granting score value and the credit granting request from the credit granting matching database;

screening out a target credit granting channel matched with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information;

and sending the target credit granting channel to the client.

2. The credit granting matching method based on dynamic configuration of claim 1, wherein the updating the preset credit granting matching database according to the credit granting updating information comprises:

updating the parameters of the credit granting screening rules in the credit granting matching database according to the screening parameter updating information contained in the credit granting updating information;

generating a newly added credit granting channel according to newly added channel update information contained in the credit granting update information, and adding the newly added credit granting channel to the credit granting matching database;

and grouping and sorting trust channels in the trust matching database to update trust groups contained in the trust matching database to obtain the updated trust matching database.

3. The credit granting matching method based on dynamic configuration of claim 1, wherein the passenger group classification model includes feature quantization information and a scoring neural network, and the credit granting scoring is performed on the credit granting basic information according to a preset credit granting scoring model to obtain a credit granting score value corresponding to the credit granting basic information, including:

extracting corresponding credit granting characteristic information from the credit granting basic information according to the characteristic items contained in the characteristic quantitative information;

quantizing the credit granting characteristic information according to the characteristic quantization information to obtain corresponding credit granting quantization characteristics;

and inputting the credit quantification characteristics into the scoring neural network to perform credit scoring to obtain corresponding credit scoring values.

4. The method of claim 1, wherein the obtaining alternative credit matching information matching the credit rating value and the credit request from the credit matching database comprises:

classifying and matching the credit rating value and the credit limit in the credit request according to preset passenger group classification matching information so as to obtain a corresponding target passenger group through matching;

and obtaining credit granting screening rules and credit granting groups matched with the target passenger group from the credit granting matching database, and determining the credit granting screening rules and the credit granting groups as corresponding alternative credit granting matching information.

5. The credit granting matching method based on dynamic configuration of claim 1, wherein the screening out the target credit granting channel matching with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information comprises:

judging the credit granting basic information according to a credit granting screening rule in the alternative credit granting matching information so as to obtain a corresponding exclusion tag according to a judgment result;

and acquiring a credit granting channel matched with the exclusion label from the credit granting packet of the alternative credit granting matching information, screening out the credit granting channel, and determining the remaining credit granting channels after screening out as target credit granting channels matched with the credit granting basic information.

6. The method as claimed in claim 5, wherein after the credit packet of the alternative credit granting matching information is obtained and screened out from the credit granting packet matching the exclusion tag, and the remaining credit granting channels after screening out are determined as target credit granting channels matching the credit granting basic information, the method further comprises:

judging whether the number of the target credit granting channels is zero or not;

if the number of the target credit granting channels is not zero, the step of sending the target credit granting channels to the client side is executed;

if the number of the target credit granting channels is zero, judging whether the credit failure times in the customer transaction information are not more than a preset time threshold value or not;

and if the credit failure times are larger than the time threshold, changing the credit line in the credit request and returning to execute the step of acquiring the alternative credit matching information matched with the credit rating value and the credit request from the credit matching database.

7. The method of claim 1, wherein after the sending the target credit channel to the client, the method further comprises:

if channel selection information fed back by the client according to the target credit granting channel is received, transacting credit granting business according to the channel selection information and recording the transaction process to obtain corresponding transaction record information;

and updating the customer transaction information corresponding to the channel selection information in a management information database according to the transaction record information.

8. A credit matching device based on dynamic configuration is characterized in that the device is configured in a management server, network connection is established between the management server and a client and a credit terminal to realize data information transmission, and the device comprises:

the authorization matching database updating unit is used for updating a preset authorization matching database according to the authorization updating information if the authorization updating information from the authorization terminal is received;

the credit granting basic information acquisition unit is used for acquiring credit granting basic information corresponding to a credit granting request from a preset management information database if the credit granting request input by a client is received;

the credit granting score value acquisition unit is used for granting scores to the credit granting basic information according to a preset credit granting score model so as to obtain a credit granting score value corresponding to the credit granting basic information;

the alternative credit granting matching information acquisition unit is used for acquiring alternative credit granting matching information matched with the credit granting score value and the credit granting request from the credit granting matching database;

the target credit granting channel acquisition unit is used for screening out a target credit granting channel matched with the credit granting basic information from the alternative credit granting matching information according to the credit granting basic information;

and the target credit granting channel sending unit is used for sending the target credit granting channel to the client.

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the dynamic configuration based trust matching method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the dynamic configuration-based credit matching method according to any one of claims 1 to 7.

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