CN114386858B - Intelligent risk decision platform - Google Patents
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- 210000004556 brain Anatomy 0.000 claims description 3
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Abstract
The invention discloses an intelligent risk decision platform. The invention integrates a big data platform, a decision engine and a flow engine in a collocation mode by taking products, projects and enterprises as main lines, realizes flexible collocation and flow decision of an enterprise risk assessment system, realizes an efficient and convenient customized customer risk assessment system, and has no influence on the service of other modules by logic modification of a single module through the bottom layer of a micro-service architecture member. Therefore, risk decision configuration can be rapidly carried out on newly added products and projects, and a wind control model and a decision flow of an adaptive product can be rapidly configured by combining decision engine indexes and a scoring card model. The risk approval process is independent, the rule decision module is independent, the coupling between the risk approval process and the rule decision module can be reduced, the accuracy of risk decision is improved, the decision result is rapidly output, the efficiency is improved, and the wind control decision requirement of enterprises is met.
Description
Technical Field
The invention relates to the technical field of enterprise operation systems, in particular to an intelligent risk decision platform.
Background
At present, a plurality of enterprises can choose to evaluate the risks of new products and projects in the market so as to make corresponding decisions. However, most evaluation rules are processed independently from the process or in a manual judgment mode when a plurality of enterprises perform risk evaluation at present, the time efficiency of the mode is low and cannot be related to the process decision, the application channel, the approval process and the risk decision are mutually independent, and the association needs to be performed through developing codes, so that labor and time are consumed.
Accordingly, the prior art has drawbacks and needs improvement.
Disclosure of Invention
The invention aims to overcome the defects of the prior art and provides an intelligent risk decision platform.
The technical scheme of the invention is as follows: providing an intelligent risk decision platform, comprising: the system comprises an external data module, a data processing module, a rule engine module, a flow engine, a parameter configuration module and a core decision module;
And an externally connected data module: the external data source can be quickly docked and acquired through interface configuration, and the module is mainly used for data docking and acquisition;
and a data processing module: the method is used for processing, cleaning and calculating data;
The rule engine module: the method is used for carrying out index and rule configuration, can carry out parameter configuration of the index, carries out logic integration and decision making on the data result through association with the project, and outputs the decision result;
The flow engine: setting business process trend through process configuration, node definition and decision configuration, and configuring a risk auditing process by matching with the output of a decision engine;
Parameter configuration module: the product and project configuration information is used for penetrating through the whole risk approval and control flow, and different risk models, decision rules, flow trends and approval levels can be configured according to different products and projects;
The core decision module: the core decision module is the brain of the overall design, used in tandem and as a lubricant for each module, including other external module interfacing and logic processing.
Further, the specific working steps of the intelligent risk decision platform are as follows:
step 1: enterprises needing to perform risk assessment input relevant parameters of products and projects;
Step 2: the core decision module acquires configuration parameters according to the enterprise attribution products and projects, and activates project flows;
step 3: the process engine starts the corresponding project process and triggers the rule decision according to the process node;
step 4: executing a decision model or rule configured by the node by the rule engine, and triggering index calculation;
Step 5: the external data module acquires corresponding data and processes the index data through the data processing module;
step 6: returning the processed index data to a rule engine to make rule or model decision;
Step 7: driving the flow according to the rule result, and interacting with the rule engine for a plurality of times, so as to execute flow judgment;
Step 8: the core decision module integrates the flow and the decision result, obtains the wind control approval result and feeds back to the demand enterprises.
By adopting the scheme, the invention integrates a big data platform, a decision engine and a flow engine in a collocation mode by taking products, projects and enterprises as main lines, realizes flexible collocation and flow decision of an enterprise risk assessment system, realizes an efficient and convenient customized customer risk assessment system, and has independent modules through the bottom layer of a micro-service architecture member, so that logic modification of a single module does not influence services of other modules. Therefore, risk decision configuration can be rapidly carried out on newly added products and projects, and a wind control model and a decision flow of an adaptive product can be rapidly configured by combining decision engine indexes and a scoring card model. The risk approval process is independent, the rule decision module is independent, the coupling between the risk approval process and the rule decision module can be reduced, the accuracy of risk decision is improved, the decision result is rapidly output, the efficiency is improved, and the wind control decision requirement of enterprises is met.
Drawings
Fig. 1 is a schematic diagram of the present invention.
Fig. 2 is a block diagram of the workflow of the present invention.
Detailed Description
The invention will be described in detail below with reference to the drawings and the specific embodiments.
Referring to fig. 1, the present invention provides an intelligent risk decision platform, which includes: the system comprises an external data module, a data processing module, a rule engine module, a flow engine, a parameter configuration module and a core decision module;
And an externally connected data module: the external data source can be quickly docked and acquired through interface configuration, and the module is mainly used for data docking and acquisition;
and a data processing module: the method is used for processing, cleaning and calculating data;
The rule engine module: the method is used for carrying out index and rule configuration, can carry out parameter configuration of the index, carries out logic integration and decision making on the data result through association with the project, and outputs the decision result;
The flow engine: setting business process trend through process configuration, node definition and decision configuration, and configuring a risk auditing process by matching with the output of a decision engine;
Parameter configuration module: the product and project configuration information is used for penetrating through the whole risk approval and control flow, and different risk models, decision rules, flow trends and approval levels can be configured according to different products and projects;
The core decision module: the core decision module is the brain of the overall design, used in tandem and as a lubricant for each module, including other external module interfacing and logic processing.
Referring to fig. 2, the specific working steps of the intelligent risk decision platform are as follows:
step 1: enterprises needing to perform risk assessment input relevant parameters of products and projects;
Step 2: the core decision module acquires configuration parameters according to the enterprise attribution products and projects, and activates project flows;
step 3: the process engine starts the corresponding project process and triggers the rule decision according to the process node;
step 4: executing a decision model or rule configured by the node by the rule engine, and triggering index calculation;
Step 5: the external data module acquires corresponding data and processes the index data through the data processing module;
step 6: returning the processed index data to a rule engine to make rule or model decision;
Step 7: driving the flow according to the rule result, and interacting with the rule engine for a plurality of times, so as to execute flow judgment;
Step 8: the core decision module integrates the flow and the decision result, obtains the wind control approval result and feeds back to the demand enterprises.
The invention integrates a big data platform, a decision engine and a flow engine in a collocation mode by taking products, projects and enterprises as main lines, realizes flexible collocation and flow decision of an enterprise risk assessment system, realizes an efficient and convenient customized customer risk assessment system, and has no influence on the service of other modules by logic modification of a single module through the bottom layer of a micro-service architecture member. Therefore, risk decision configuration can be rapidly carried out on newly added products and projects, and a wind control model and a decision flow of an adaptive product can be rapidly configured by combining decision engine indexes and a scoring card model. The risk approval process is independent, the rule decision module is independent, the coupling between the risk approval process and the rule decision module can be reduced, the accuracy of risk decision is improved, the decision result is rapidly output, the efficiency is improved, and the wind control decision requirement of enterprises is met.
The foregoing description of the preferred embodiment of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, and alternatives falling within the spirit and principles of the invention.
Claims (1)
1. An intelligent risk decision platform, comprising: the system comprises an external data module, a data processing module, a rule engine module, a flow engine, a parameter configuration module and a core decision module;
And an externally connected data module: the external data source can be quickly docked and acquired through interface configuration, and the module is mainly used for data docking and acquisition;
and a data processing module: the method is used for processing, cleaning and calculating data;
The rule engine module: the method is used for carrying out index and rule configuration, can carry out parameter configuration of the index, carries out logic integration and decision making on the data result through association with the project, and outputs the decision result;
The flow engine: setting business process trend through process configuration, node definition and decision configuration, and configuring a risk auditing process by matching with the output of a decision engine;
Parameter configuration module: the product and project configuration information is used for penetrating through the whole risk approval and control flow, and different risk models, decision rules, flow trends and approval levels can be configured according to different products and projects;
The core decision module: the core decision module is the brain of the whole design, is used for being connected in series and used as a lubricant of each module, and comprises the butt joint and logic treatment of other external modules;
the specific working steps of the intelligent risk decision platform are as follows:
step 1: enterprises needing to perform risk assessment input relevant parameters of products and projects;
Step 2: the core decision module acquires configuration parameters according to the enterprise attribution products and projects, and activates project flows;
step 3: the process engine starts the corresponding project process and triggers the rule decision according to the process node;
step 4: executing a decision model or rule configured by the node by the rule engine, and triggering index calculation;
Step 5: the external data module acquires corresponding data and processes the index data through the data processing module;
step 6: returning the processed index data to a rule engine to make rule or model decision;
Step 7: driving the flow according to the rule result, and interacting with the rule engine for a plurality of times, so as to execute flow judgment;
Step 8: the core decision module integrates the flow and the decision result, obtains the wind control approval result and feeds back to the demand enterprises.
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| CN202210043619.5A CN114386858B (en) | 2022-01-14 | 2022-01-14 | Intelligent risk decision platform |
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| CN202210043619.5A CN114386858B (en) | 2022-01-14 | 2022-01-14 | Intelligent risk decision platform |
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| CN114386858B true CN114386858B (en) | 2024-05-31 |
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| US6876991B1 (en) * | 1999-11-08 | 2005-04-05 | Collaborative Decision Platforms, Llc. | System, method and computer program product for a collaborative decision platform |
| CN107886430A (en) * | 2017-11-29 | 2018-04-06 | 南京甄视智能科技有限公司 | Risk control method and system after loan |
| CN109345380A (en) * | 2018-11-19 | 2019-02-15 | 上海指旺信息科技有限公司 | Risk control platform construction method and system |
| WO2020048056A1 (en) * | 2018-09-06 | 2020-03-12 | 平安科技（深圳）有限公司 | Risk decision method and apparatus |
| WO2020181908A1 (en) * | 2019-03-08 | 2020-09-17 | 阿里巴巴集团控股有限公司 | Risk decision-making method and apparatus |
| WO2021057130A1 (en) * | 2019-09-26 | 2021-04-01 | 支付宝(杭州)信息技术有限公司 | Intelligent risk control decision-making method and system, service processing method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140278733A1 (en) * | 2013-03-15 | 2014-09-18 | Navin Sabharwal | Risk management methods and systems for enterprise processes |
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- 2022-01-14 CN CN202210043619.5A patent/CN114386858B/en active Active
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| WO2020048056A1 (en) * | 2018-09-06 | 2020-03-12 | 平安科技（深圳）有限公司 | Risk decision method and apparatus |
| CN109345380A (en) * | 2018-11-19 | 2019-02-15 | 上海指旺信息科技有限公司 | Risk control platform construction method and system |
| WO2020181908A1 (en) * | 2019-03-08 | 2020-09-17 | 阿里巴巴集团控股有限公司 | Risk decision-making method and apparatus |
| WO2021057130A1 (en) * | 2019-09-26 | 2021-04-01 | 支付宝(杭州)信息技术有限公司 | Intelligent risk control decision-making method and system, service processing method and system |
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