CN114445216A

CN114445216A - Credit approval method, apparatus, device medium, and program product

Info

Publication number: CN114445216A
Application number: CN202210111051.6A
Authority: CN
Inventors: 樊瑞康; 戈笑珊; 王宇飞; 马瑞
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2022-01-29
Filing date: 2022-01-29
Publication date: 2022-05-06

Abstract

The disclosure provides a credit approval method which can be applied to the field of data analysis. The credit approval method comprises the following steps: acquiring an approval application, wherein the approval application comprises an identity of an approval object and a target time period; under the condition of obtaining the approval object agreement, obtaining a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources according to the identity; processing a plurality of credit data into a plurality of auditing items through a technical stack; and examining and approving the plurality of examination and approval items to obtain an examination and approval result. The present disclosure also provides a credit approval apparatus, a device, a storage medium, and a program product.

Description

Credit approval method, apparatus, device medium, and program product

Technical Field

The present disclosure relates to the field of data analysis, and in particular, to a credit approval method, apparatus, device, medium, and program product.

Background

At present, in the process of transacting credit standing certification business of a bank system, all-round credit standing information of a client is scattered in a plurality of subsystems of a row where the client is located, and data of each subsystem is independently stored and maintained to form a data island.

For banks, issuing credit worthiness certification requires circulation and approval among multiple business departments to inquire multiple credit worthiness business data of customers, which is time-consuming and labor-consuming. Meanwhile, the information dispersion can cause that the service accuracy cannot be guaranteed. For the client, the approval process needs to go back and forth to multiple network points, resulting in poor experience of the client.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a credit approval method, apparatus, device, medium, and program product.

According to a first aspect of the present disclosure, there is provided a credit approval method, comprising: acquiring an approval application, wherein the approval application comprises an identity of an approval object and a target time period; under the condition of obtaining the approval of the approval object, acquiring a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources according to the identity; processing the plurality of credit data into a plurality of auditing items through a technology stack; and examining and approving the plurality of examination and approval items to obtain an examination and approval result.

According to an embodiment of the present disclosure, the processing the plurality of credit worthiness data into a plurality of approval items through a technology stack includes: acquiring business rules and approval rules of a plurality of data sources corresponding to the plurality of credit worthiness data; constructing a technology stack according to the business rule; according to the approval rule, establishing an approval index; and processing the plurality of credit data into a plurality of approval items through the technical stack according to the approval indexes.

According to an embodiment of the present disclosure, the processing the plurality of credit worthiness data into a plurality of audit items by a technology stack includes: calculating the similarity among the plurality of credit worthiness data; preprocessing the plurality of credit worthiness data according to the similarity; and processing the preprocessed multiple credit worthiness data into multiple auditing items through a technical stack.

According to an embodiment of the present disclosure, the method further comprises: and taking the approval result as a historical approval record of the approval object and storing the historical approval record into a data warehouse, wherein the data warehouse is a data source for acquiring credit data.

According to an embodiment of the present disclosure, the method further comprises: the examining and approving the plurality of examining and approving items to obtain an examining and approving result comprises the following steps: under the condition of obtaining the approval of the approval object, obtaining the historical credit standing approval record of the approval object from the data warehouse; under the condition that the historical credit approval records comprise approval failure records, acquiring the multiple approval items and approval rules related to the approval failure records; updating the plurality of approval items according to the approval rules; and examining and approving the plurality of updated examination and approval items to obtain examination and approval results.

According to an embodiment of the present disclosure, the obtaining, according to the identity, a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources under the condition that the approval of the approval object is obtained includes: acquiring an initiating object of the approval application; and under the condition that the approval object is determined to be consistent with the initiating object, acquiring a plurality of credit worthiness data related to the approval object in the target time period from a plurality of data sources according to the identity.

According to an embodiment of the present disclosure, the method further comprises: generating a credit worthiness certificate under the condition that the approval result is determined to be successful; and adding an electronic seal for the credit worthiness certificate, wherein the electronic seal is used for verifying the authenticity of the credit worthiness certificate.

A second aspect of the present disclosure provides a credit approval apparatus, including: the first acquisition module is used for acquiring an approval application, wherein the approval application comprises an identity of an approval object and a target time period; the second acquisition module is used for acquiring a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources according to the identity under the condition of obtaining the approval of the approval object; the processing module is used for processing the plurality of credit standing data into a plurality of auditing items through a technology stack; and the approval module is used for approving the plurality of approval items to obtain approval results.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the above-described credit approval method.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-mentioned credit approval method.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the above-mentioned credit approval method.

Compared with the prior art, the credit worthiness approval method provided by the disclosure realizes intelligent approval of credit worthiness application, automatically and comprehensively verifies the credit worthiness data of the client from multiple data sources according to the brief information provided by the client, quickly obtains the credit worthiness certification document, and realizes automatic one-key approval. The accuracy of the approval result is also ensured while the approval efficiency is improved. In addition, the data of the whole bank credit standing certificate business handling is automatically counted, a business handling condition report is provided, and the real-time condition of business progress can be mastered.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a credit approval method, apparatus, device, medium, and program product according to embodiments of the disclosure;

FIG. 2 schematically illustrates an architecture diagram of a credit approval system according to an embodiment of the present disclosure;

figure 3 schematically illustrates a flow chart of a method of credit approval according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a component diagram of a credit approval system according to an embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart for elaborating data in accordance with an embodiment of the disclosure;

figure 6 schematically illustrates a flow chart of a credit worthiness attestation method according to another embodiment of the present disclosure;

fig. 7 schematically shows a block diagram of a credit approval apparatus according to an embodiment of the present disclosure; and

figure 8 schematically shows a block diagram of an electronic device adapted to implement a credit worthiness approval method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

It should be noted that the credit approval method and device disclosed by the present disclosure may be used in the field of data analysis, may also be used in the field of big data in the financial field, and may also be used in any field other than the financial field.

In the technical scheme of the disclosure, the collection, storage, use, processing, transmission, provision, disclosure, application and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated. In the technical scheme of the disclosure, before the personal information of the user is acquired or collected, the authorization or the consent of the user is acquired.

The embodiment of the disclosure provides a credit approval method, which comprises the following steps: acquiring an approval application, wherein the approval application comprises an identity of an approval object and a target time period; under the condition of obtaining the approval of the approval object, acquiring a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources according to the identity; processing the plurality of credit data into a plurality of auditing items through a technology stack; and examining and approving the plurality of examination and approval items to obtain an examination and approval result.

Fig. 1 schematically illustrates an application scenario diagram of a credit approval method, apparatus, device, medium, and program product according to an embodiment of the disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the credit approval method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the credit approval apparatus provided by the embodiment of the present disclosure may be generally disposed in the server 105. The credit worthiness approval method provided by the embodiments of the present disclosure may also be performed by a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Correspondingly, the credit approval apparatus provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The credit worthiness approval method of the disclosed embodiment will be described in detail with fig. 2 to 6, which will be described below based on fig. 1.

Figure 2 schematically shows an architecture diagram of a credit approval system according to an embodiment of the present disclosure.

As shown in fig. 2, the credit approval system interfaces with a plurality of banking subsystems to extract the relevant service data of the banking subsystems in full, and the relevant service data of the banking subsystems is used for initializing credit approval. The plurality of bank subsystems can also push the business data of the same day to a data warehouse of a credit approval system every day, external accessible service data is formed through cleaning and Processing of a data model and is sent to a big data publishing platform, and Online Analytical Processing (OLAP) service accesses the big data publishing platform to inquire the model result in the business handling process.

Illustratively, a data cache is loaded with multiple component source data from multiple banking subsystems, the data cache being used for data loading, backup data and troubleshooting data extraction problems. For example, the data cache region obtains system data such as blacklists, deposits (for public), and the like of a plurality of bank subsystems. The post source data area stores the total data extracted from the plurality of bank subsystems, and the problem of data abnormity caused by loading operation failure can be prevented by performing the total extraction. And cleaning and processing the data model by using the calculation area, butting the corresponding data processing rule of each component, and performing full initialization and incremental data processing on all aspects of the credit worthiness of the customer according to the rule required by the service. The public access area is used for publishing the model result. The data result processed according to the business rule is stored in the public access area, and the client can directly access the data stored in the public access area when transacting business.

Fig. 3 schematically shows a flow chart of a credit approval method according to an embodiment of the present disclosure.

As shown in fig. 3, the credit approval method of this embodiment includes operations S310 to S340.

In operation S310, an approval application is acquired. The approval application comprises the identity of the approval object and the target time period.

In the embodiment of the disclosure, the approval object is a client applying for credit approval, and the client may be an individual or a company enterprise. The identity marks are used for distinguishing identity information of the examination and approval objects, and the identity marks of all the examination and approval objects are different; for example, the identification may be an identification number, a telephone number, bank account information, and the like. The target time period is the time period in which the credit worthiness certification can certify the credit worthiness. For example, if the target time period is from 1/month 1/2020 to 1/month 1/2021, the credit worthiness of the customer is examined and approved from 1/month 1/2020 to 1/month 1/2021.

In operation S320, under the condition that the approval object is obtained, a plurality of credit worthiness data of the approval object in the target time period are obtained from a plurality of data sources according to the identity.

In an embodiment of the present disclosure, the plurality of data sources includes a blacklist data source, a deposit data source, a credit investigation data source, an anti-money laundering data source. And acquiring credit worthiness data in the time period of the target of the approval object from a plurality of related data sources, so as to improve the accuracy of credit worthiness certification. For example, deposit data and loan data in the target time period of the approval are acquired.

In this embodiment of the present disclosure, in operation S320, under the condition that the approval object agrees, obtaining, according to the identity, a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources, includes: acquiring an initiating object of the approval application; and under the condition that the approval object is determined to be consistent with the initiating object, acquiring a plurality of credit worthiness data related to the approval object in a target time period from a plurality of data sources according to the identity.

Because the approval process of the credit approval certification relates to personal privacy information of the client, in order to avoid that the originating object is inconsistent with the approval object, and other people illegally obtain credit approval data of other clients, the identity verification of the approval object and the originating object is required. The initiating object can be a client who submits a credit approval application at an online bank counter, or a client who submits a credit approval application at a bank application program or a bank website.

After the initiating object submits the approval application, the identity information of the initiating object is acquired, wherein the identity information comprises face information, fingerprint information, account password information and the like of the initiating object. And carrying out consistency verification on the acquired identity information and face information, fingerprint information or account password information of an approval object in a bank self-established database. And under the condition that the initiating object and the approval object are the same person, acquiring the authorization of the initiating object so as to respectively acquire credit worthiness data of the approval object in the target time period from a plurality of data sources.

In the case that the initiating object is not the same person as the approval object, the identity of the initiating object needs to be further determined. The initiating object can be entrusted by the approved object to process credit approval, and can submit the entrustment certificate of the approved object to obtain the authorization of the approved object, thereby ensuring the information security of the approved object. And under the condition that the initiating object has no commission certification of the approval object, sending a credit approval prompt to the approval object through the contact way of the approval object in the bank self-built database. And under the condition that the authorization of the approval object is not obtained, stopping carrying out credit worthiness approval to ensure the information security of the approval object.

It should be noted that the information of the client in the database built by the bank is obtained under the authorization of the client. Authorization of the initiating object also needs to be obtained before obtaining the identity information of the initiating object. The processing of collection, storage, use, processing, transmission, provision, disclosure, application and the like of the bank self-built database and the acquired data information of the initiating object all conform to the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated.

In operation S330, the credit data is processed into audit items through the technology stack.

In this embodiment of the disclosure, the operation S330 processes the plurality of credit data into a plurality of audit items through the technology stack, including: calculating the similarity among a plurality of credit data; preprocessing a plurality of credit worthiness data according to the similarity; and processing the preprocessed multiple credit worthiness data into multiple auditing items through a technology stack.

The preprocessing comprises the steps of gathering, cleaning, processing, extracting, fusing and the like of data of a plurality of data sources. Although credit data originates from multiple data sources, there is some similarity in data between the multiple data sources. The aggregation processing is carried out on a plurality of credit worthiness data, the data with high similarity is eliminated, and the credit worthiness approval through repeated credit worthiness data can be avoided.

Before calculating the similarity of the multiple credit data, the multiple credit data may be grouped to obtain multiple sets. When the amount of credit worthiness data is large, the similarity between a plurality of credit worthiness data is directly calculated in a pairwise comparison mode, and overlarge data volume can be generated. For example, the grouping method may group data according to data sources, for example, grouping credit data from the same data source; grouping can also be performed according to the category of the data, for example, the credit data belonging to the deposit data is grouped into a group; grouping can also be performed according to keywords of the data, for example, grouping credit data with the fund flow exceeding a preset amount into a group.

For example, the similarity calculation for the plurality of credit worthiness data in each set may be a similarity calculation for a set consisting of deposit data. And obtaining information such as the deposit transaction amount, the deposit time, the deposit network points and the like of each deposit data to determine the deposit data belonging to the same deposit transaction.

The similarity calculation of the plurality of credit worthiness data in each set can also be realized by calculating attribute similarity among the plurality of credit worthiness data through a regression algorithm and a clustering algorithm.

In the embodiment of the present disclosure, the data format and the data type of the credit data from a plurality of different data sources may be different, and therefore, the business rules for processing and processing the data by each data source are also different. And the processing of credit worthiness data is realized by the technical stack being compatible with the service rules of each data source.

The credit worthiness approval comprises comprehensive credit worthiness approval, single credit worthiness approval and multiple credit worthiness approval. When the object is initiated to submit the approval application, only simple information including the identity of the approval object and the target time period needs to be submitted. The approver can obtain all credit worthiness data in the time period of the approval object target only according to the identity, and complete comprehensive credit worthiness approval of the approval object. And processing the credit standing data into all approval items corresponding to the comprehensive credit standing approval through a technical stack. The initiating object can further select different types of credit worthiness approval according to different requirements.

Illustratively, the examination and approval items include a deposit examination and approval, a settlement record examination and approval, a loan examination and approval, a credit line examination and approval, a non-deposit fund financing examination and approval, a liability examination and approval, an enterprise registration income certificate 'fund examination and approval, an examination and approval of an inquiry letter' examination and approval, a credit investigation examination and approval, a witness examination and approval, a bank equity examination and approval, a share examination and approval, a credit approval of a leaving school clerk, a financial ticket certificate verification examination and approval, and the like.

In operation S340, the plurality of approval items are approved, and an approval result is obtained.

In the embodiment of the disclosure, in the case that the approval result is determined to be successful, a credit worthiness certificate is generated, and an electronic seal is stamped for the credit worthiness certificate.

After the credit standing certificate is issued, in order to avoid that the customer can not verify the authenticity of the credit standing certificate, an electronic seal is added on the credit standing certificate. The customer can independently verify the authenticity of the credit worthiness certificate at the bank official website through the electronic seal.

The customer can obtain the electronic credit standing certificate and the paper credit standing certificate according to the requirement. In order to protect the information privacy of the client, the function of hiding the personal information can be provided for the client in the electronic credit worthiness certificate.

In the case where the approval target transacts the credit service, the credit service certificate of the approval target needs to be added to the credit worthiness certificate. In order to further ensure the integrity of the credit worthiness certification information, bank teller information for handling the business is added in the credit worthiness certification.

And under the condition that the approval result is determined to be failed, credit approval can be performed on the client again so as to reduce the failure caused by unnatural factors. For example, the credit data in the data source may be in statistical error during the storage process, thereby causing the failure of the approval. For the case of failure of approval, the approval item of failure of approval can be confirmed, credit worthiness data corresponding to the approval item is obtained, and the credit worthiness data is verified, so that the correctness of the credit worthiness data is ensured.

By the embodiment of the invention, the credit worthiness data from multiple data sources can be automatically and intelligently approved and the credit worthiness certificate document can be rapidly obtained under the condition that only brief information provided by a customer is needed, so that automatic one-key approval is realized. The accuracy of the approval result is ensured through multiple data sources while the approval efficiency is improved.

Figure 4 schematically illustrates a component diagram of a credit approval system according to an embodiment of the present disclosure.

As shown in fig. 4, the credit worthiness approval system includes a credit worthiness certification application component, a credit worthiness certification inquiry component, a credit worthiness certification report ledger component and a credit worthiness certification automatic approval component.

When the customer transacts the credit worthiness approval business at the website, the bank teller inputs an application through the credit worthiness certification application component to start to perform credit worthiness certification application. And then the credit standing certification automatic approval component initiates automatic approval, firstly, data information related to credit standing conditions inside and outside the client is obtained from the multi-component data source, and data of each data source is processed, loaded and inquired by self so as to verify the data information. And under the condition that the credit standing condition of the client is good, generating a credit standing certificate and stamping a bank electronic seal.

The credit standing certificate inquiry component can send the electronic version credit standing certificate to a mailbox given by the customer, and meanwhile, the teller can download the credit standing certificate through the credit standing certificate inquiry component and open a paper version credit standing certificate to the customer.

And the credit standing approval system counts the business data every day through the credit standing certificate report standing account component to form a unified standing account report view for business management report standing accounts. The credit standing certificate business management standing account component can inquire the credit standing certificate business management standing account, can inquire the credit standing certificate business management reporting table and can download the credit standing certificate business management reporting table.

Illustratively, the credit worthiness certification application component, the credit worthiness certification query component and the credit worthiness report standing book component can be realized by an on-line transaction processing (OLTP) service, and the credit worthiness certification automatic approval component can be realized by an OLAP service. The credit approval system can be modeled through a greenplus correlation technology stack.

Illustratively, based on the credit worthiness approval system, the disclosure further provides a flow of the credit worthiness approval method.

After receiving the credit standing certificate approval application, calling a credit standing certificate application interface, inserting application information into a credit standing certificate application table, and setting a field for representing the file state to be 0 to be processed. And (3) starting an automatic approval automatic task in the interface, and transmitting parameters when starting the automatic task: serial number, proof start-stop date, customer number.

And querying the big data platform according to the input parameters to obtain credit worthiness data. The credit worthiness data can be approved through the credit worthiness approval model, under the condition that a client has credit worthiness, the file state of the application form is changed into 1, and meanwhile, the client credit worthiness is written into the failure flow water meter. And calling a dynamic generation PDF interface to generate an original file under the condition that the client has no credit standing abnormality. And writing the file address into the application table under the condition that the original file is successfully generated, and simultaneously setting the file state to be 2. And calling the electronic seal interface, if the calling is successful, setting the file state field to be 3, and if the calling is failed, setting the file state to be 6. In the case of failure in original file generation, the file status is set to 5.

The automatic task of inquiring the electronic seal result can be started by the fixed frequency of 1 minute/time, and an application form with the file state of 3 is inquired. If the electronic seal is successfully stamped, setting the file state to be 4, and storing the file number into an application form. And if the successful result of the electronic seal stamping is not inquired, the state of the file is not modified. It is also possible to set up an automatic task of automatically sending mail with a fixed frequency of 1 minute/time, sending an application form with a file status of 4. If the mail is successfully sent, the file status is set to 7, and if the mail is failed to send, the file status is set to 8. In addition, the successfully transacted business is added into the report form every day and the number of transacted business under each organization and the total business quantity are counted.

By the aid of the method and the device, intelligent approval of the credit worthiness application is realized, the client can be directly reached in an automatic mail sending mode, the current paper certificate can be presented to the client, and authenticity is verified through electronic seal verification. In addition, the data of the whole bank credit standing certificate business handling is automatically counted, a business handling condition report is provided, and the real-time condition of business progress can be mastered.

Fig. 5 schematically illustrates a flow chart for elaborating information data according to an embodiment of the disclosure.

As shown in fig. 5, the processing of the plurality of credit data into the plurality of approval items through the technology stack in operation S330 of the embodiment includes operations S510 to S540.

In operation S510, business rules and approval rules of a plurality of data sources corresponding to a plurality of credit worthiness data are obtained.

In the disclosed embodiments, the credit worthiness data may come from multiple different data sources when applying for comprehensive credit worthiness approval and multiple items of credit worthiness approval. The data formats and data types of different data sources may be different, and thus, the business rules for processing and handling data by each data source are different.

For comprehensive credit approval and multi-item credit approval, the approval process relates to a plurality of approval rules. Different approval rules need to be followed when the same credit data is processed into different approval items.

In operation S520, a technology stack is constructed according to the business rules.

In order to be compatible with the business rules of a plurality of data sources, a plurality of credit worthiness data can be processed through a technology stack. A technology stack may be thought of as combining multiple technologies into an organic whole to achieve a certain purpose or function.

In operation S530, an approval index is constructed according to the approval rule.

The approval index is a parameter for approving the credit worthiness of the approval object. For example, the approval rule includes an approval index for determining whether an approval object belongs to a blacklist user and how to judge the blacklist. Illustratively, the approval index also includes information such as credit investigation records of internal and external banks, short-term transfer records of internal and external banks, loan records of internal and external banks, deposit records of internal and external banks, and registered addresses of justice and company.

In operation S540, the plurality of credit worthiness data is processed into a plurality of approval items through the technology stack according to the approval index.

One examination and approval item comprises at least one examination and approval index, and the at least one examination and approval index generates a set of corresponding examination and approval strategies. The approval strategy comprises a judgment logic between at least one approval index, such as a sequence relation and a causal relation. Meanwhile, a corresponding approval index can be constructed according to the type of the acquired credit data. Illustratively, the approval rule includes whether the approval object belongs to the blacklist user or not, but the relevant data of the approval object is not acquired in the blacklist data source, so that the approval index related to the blacklist may not be constructed.

Since the execution of an approval item may involve credit worthiness data from multiple data sources, a credit worthiness approval process involves multiple approval items. Therefore, in order to improve the compatibility of the approval process and reduce the extra overhead of the approval process, different approval items in the same approval process can be approved through different approval technologies, and various different approval technologies are combined to form a technology stack.

The technical stack comprises a technical means for executing a plurality of credit worthiness data business rules, and provides technical support for data processing. The approval indexes are used for constructing an approval strategy for the credit approval process and providing logic rules for data processing.

And when the credit worthiness data of the approval object passes the approval of all approval indexes in the approval strategy, the credit worthiness of the client is considered to be good. For example, a company needs to provide credit worthiness material provided by a bank in the bidding process to prove that the credit level of the company is good. The company provides a credit approval application to the bank, and the approval rule comprises the approval company registration place. And constructing a corresponding examination and approval index for judging whether the company registration place of the company is legal or not. And extracting the company registration place of the company from the credit data, and processing the company registration place into an auditing item to be audited. And obtaining an approval result of approval passing under the condition that the fact that the company is registered in the place is determined to have no abnormity. In the case where the company registration place coincides with the other company registration places, it can be considered that an abnormality occurs in the company registration place.

Fig. 6 schematically shows a flow chart of a credit worthiness attestation method according to another embodiment of the present disclosure.

As shown in fig. 6, the credit approval method of this embodiment includes operations S610 to S650.

Operations S610 through S640 are the same as operations S310 through S340, and are not described again.

In operation S650, the approval result is stored as a historical approval record of the approval object in a data warehouse, where the data warehouse is a data source for obtaining the credit data.

Operation S640 approves the multiple approval items to obtain approval results, including: under the condition of obtaining the approval of the approval object, obtaining the historical credit worthiness approval record of the approval object from the data warehouse; under the condition that the historical credit approval records comprise approval failure records, acquiring a plurality of approval items and approval rules related to the approval failure records; updating a plurality of approval items according to the approval rules; and examining and approving the plurality of updated examination and approval items to obtain examination and approval results.

In the embodiment of the disclosure, the historical record of credit approval is stored in the data warehouse as credit approval data, and the historical approval record is used as the approval reference of the current approval process. And under the condition of obtaining the approval of the approval object, obtaining the historical approval record of the approval object according to the identity of the approval object. And under the condition that the historical credit approval record has the approval failure record, acquiring an approval rule causing approval failure, setting priority for the approval rule, and updating the original approval item. The updated examination and approval strategy of the examination and approval item comprises the priority, so that the updated examination and approval item can preferentially examine and approve the credit and credit conditions of the client through the examination and approval rule.

In the credit approval process, as long as an approval rule which fails to pass appears, the approval results can be considered to be all failures. Therefore, the priority is set for the approval rule, and the approval is preferentially carried out according to the approval rule which does not reach the historical standard. If the approval fails, the direct approval fails, the approval process is shortened, and resources are saved.

Based on the credit standing approval method, the disclosure also provides a credit standing approval device. The apparatus will be described in detail below with reference to fig. 7.

Fig. 7 schematically shows a block diagram of a credit approval apparatus according to an embodiment of the present disclosure.

As shown in fig. 7, the credit approval apparatus 700 of this embodiment includes a first obtaining module 710, a second obtaining module 720, a processing module 730, and an approval module 740.

The first obtaining module 710 is configured to obtain an approval application, where the approval application includes an identity of an approval object and a target time period. In an embodiment, the first obtaining module 710 may be configured to perform the operation S310 described above, which is not described herein again.

The second obtaining module 720 is configured to obtain, according to the identity, a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources under the condition of obtaining the approval of the approval object. In an embodiment, the second obtaining module 720 may be configured to perform the operation S320 described above, which is not described herein again.

The processing module 730 is configured to process the plurality of credit worthiness data into a plurality of audit items through a technology stack. In an embodiment, the processing module 730 may be configured to perform the operation S330 described above, which is not described herein again.

The approval module 740 is configured to approve the plurality of approval items to obtain approval results. In an embodiment, the approval module 740 may be configured to perform the operation S340 described above, which is not described herein again.

According to an embodiment of the present disclosure, the first obtaining module 720 includes a first obtaining unit and a first determining unit. The first obtaining unit is used for obtaining an initiating object of the approval application. The first determining unit is used for acquiring a plurality of credit worthiness data corresponding to a plurality of examination and approval items in a target time period from a plurality of data sources respectively under the condition that the examination and approval object is determined to be consistent with the initiating object.

According to an embodiment of the present disclosure, the processing module 730 includes a second obtaining unit, a first building unit, a second building unit, and a first processing unit. The second obtaining unit is used for obtaining the business rules and the approval rules of a plurality of data sources corresponding to a plurality of credit worthiness data. The first construction unit is used for constructing a technology stack according to the business rule. The second construction unit is used for constructing the examination and approval indexes according to the examination and approval rules. The first processing unit is used for processing the plurality of credit data into a plurality of approval items through a technical stack according to the approval indexes.

According to an embodiment of the present disclosure, the processing module 730 further comprises a calculation unit, a pre-processing unit and a second processing unit. The calculating unit is used for calculating the similarity between a plurality of credit worthiness data. The preprocessing unit is used for preprocessing the plurality of credit worthiness data according to the similarity. The second processing unit is used for processing the preprocessed multiple credit worthiness data into multiple auditing items through a technology stack.

According to an embodiment of the present disclosure, the credit worthiness approval apparatus 700 further includes a storage module, where the storage module is configured to store the approval result as a historical approval record of the approval object in a data warehouse, and the data warehouse is a data source for acquiring credit worthiness data. In the embodiment of the present disclosure, the approval module 740 further includes a third obtaining unit, a second determining unit, an updating unit, and an approval unit. And the third acquisition unit is used for acquiring the historical credit approval record of the approval object from the data bin under the condition of obtaining the approval of the approval object. The second determining unit is used for acquiring a plurality of approval items and approval rules related to the approval failure records under the condition that the approval failure records are included in the historical credit worthiness approval records. The updating unit is used for updating the plurality of examination and approval items according to the examination and approval rules. The examination and approval unit is used for examining and approving the updated examination and approval items to obtain examination and approval results

According to an embodiment of the present disclosure, the credit approval apparatus 700 further includes a generation module and a stamping module. And the generation module is used for generating a credit worthiness certificate under the condition that the approval result is determined to be successful. The stamping module is used for stamping the electronic seal for the credit worthiness certificate, and the electronic seal is used for verifying the authenticity of the credit worthiness certificate.

According to an embodiment of the present disclosure, any plurality of the first obtaining module 710, the second obtaining module 720, the processing module 730, and the approval module 740 may be combined and implemented in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the first obtaining module 710, the second obtaining module 720, the processing module 730, and the approval module 740 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or may be implemented in any one of three implementations of software, hardware, and firmware, or in a suitable combination of any of them. Alternatively, at least one of the first acquisition module 710, the second acquisition module 720, the processing module 730, and the approval module 740 may be at least partially implemented as a computer program module that, when executed, may perform a corresponding function.

Fig. 8 schematically shows a block diagram of an electronic device adapted to implement a method of bulk detection of files according to an embodiment of the present disclosure.

As shown in fig. 8, an electronic device 800 according to an embodiment of the present disclosure includes a processor 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. The processor 801 may include, for example, a general purpose microprocessor (e.g., CPU), an instruction set processor and/or related chip sets and/or a special purpose microprocessor (e.g., Application Specific Integrated Circuit (ASIC)), among others. The processor 801 may also include onboard memory for caching purposes. The processor 801 may include a single processing unit or multiple processing units for performing different actions of the method flows according to embodiments of the present disclosure.

In the RAM 803, various programs and data necessary for the operation of the electronic apparatus 800 are stored. The processor 801, the ROM 802, and the RAM 803 are connected to each other by a bus 804. The processor 801 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 802 and/or RAM 803. Note that the programs may also be stored in one or more memories other than the ROM 802 and RAM 803. The processor 801 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 800 may also include input/output (I/O) interface 805, input/output (I/O) interface 805 also connected to bus 804, according to an embodiment of the present disclosure. Electronic device 800 may also include one or more of the following components connected to I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 802 and/or RAM 803 described above and/or one or more memories other than the ROM 802 and RAM 803.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the credit approval method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 801. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via communication section 809, and/or installed from removable media 811. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program, when executed by the processor 801, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user's computing device, partly on the user's device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A credit approval method, comprising:

acquiring an approval application, wherein the approval application comprises an identity of an approval object and a target time period;

under the condition of obtaining the approval of the approval object, acquiring a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources according to the identity;

processing the plurality of credit data into a plurality of auditing items through a technology stack; and

and examining and approving the plurality of examination and approval items to obtain an examination and approval result.

2. The method of claim 1, wherein said processing the plurality of credit data into a plurality of approved items via a technology stack comprises:

acquiring business rules and approval rules of a plurality of data sources corresponding to the plurality of credit worthiness data;

constructing a technology stack according to the business rule;

according to the approval rule, establishing an approval index; and

and processing the plurality of credit worthiness data into a plurality of approval items through the technical stack according to the approval indexes.

3. The method of claim 1, wherein the processing the plurality of credit worthiness data into a plurality of audit terms by a technology stack comprises:

calculating the similarity among the plurality of credit worthiness data;

preprocessing the plurality of credit worthiness data according to the similarity; and

and processing the preprocessed multiple credit worthiness data into multiple auditing items through a technical stack.

4. The method of claim 1, wherein the method further comprises:

and taking the approval result as a historical approval record of the approval object and storing the historical approval record into a data warehouse, wherein the data warehouse is a data source for acquiring credit data.

5. The method of claim 4, wherein the approving the plurality of approval items to obtain an approval result comprises:

under the condition of obtaining the approval of the approval object, obtaining the historical credit standing approval record of the approval object from the data warehouse;

under the condition that the historical credit approval records comprise approval failure records, acquiring the multiple approval items and approval rules related to the approval failure records;

updating the plurality of approval items according to the approval rules; and

and examining and approving the plurality of updated examination and approval items to obtain examination and approval results.

6. The method according to claim 1, wherein the obtaining a plurality of credit worthiness data of the approval object in the target period from a plurality of data sources according to the identity under the condition of obtaining the approval of the approval object comprises:

acquiring an initiating object of the approval application; and

and under the condition that the approval object is determined to be consistent with the initiating object, acquiring a plurality of credit worthiness data related to the approval object in the target time period from a plurality of data sources according to the identity.

7. The method of claim 1, wherein the method further comprises:

generating a credit worthiness certificate under the condition that the approval result is determined to be successful; and

and adding an electronic seal for the credit worthiness certificate, wherein the electronic seal is used for verifying the authenticity of the credit worthiness certificate.

8. A credit approval apparatus comprising:

the first acquisition module is used for acquiring an approval application, wherein the approval application comprises an identity of an approval object and a target time period;

the second acquisition module is used for acquiring a plurality of credit worthiness data of the approval object in the target time period from a plurality of data sources according to the identity under the condition of obtaining the approval of the approval object;

the processing module is used for processing the plurality of credit standing data into a plurality of auditing items through a technology stack; and

and the approval module is used for approving the plurality of approval items to obtain approval results.

9. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-7.

10. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 7.

11. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 7.