CN114757637A - Credit approval method, credit approval device, credit approval equipment and credit approval storage medium based on decision engine - Google Patents
Credit approval method, credit approval device, credit approval equipment and credit approval storage medium based on decision engine Download PDFInfo
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Abstract
The embodiment of the invention provides a credit approval method, a credit approval device, credit approval equipment and a credit approval storage medium based on a decision engine, wherein the method comprises the following steps: configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to different service scenes respectively; acquiring data of a user when a credit request of the user is determined to be received, and processing the data of the user through a decision engine to acquire a process variable; and determining a business process matched with the user, and performing credit approval on the process variable through the matched business process to obtain an approval result. According to the method and the system, the decision engine is configured according to the user requirements to obtain the business processes corresponding to different scenes, and the credit approval is automatically carried out on the obtained user data through the business processes adapted in the decision engine, so that the workload of manual examination and approval is greatly reduced, and the approval efficiency is improved.
Description
Technical Field
The invention relates to the technical field of data computers, in particular to a credit approval method, a credit approval device, credit approval equipment and a credit approval storage medium based on a decision engine.
Background
At present, with the increase of market competition, the grasp of the balance point between wind control and profit is the core of loan institution development, and manual review is usually adopted in the loan review process to ensure the normal operation of loan review work.
However, as credit products are networked and continuously divided vertically from industry and users, the scenes involved in loan application are more complicated, such as home decoration, medical beauty and tourism, so that the situation of a partner or an applicant is more difficult to judge one by one manually. Although a decision engine deployment mode is introduced, due to the shortage of local technical talents, supporting product design is difficult to support, and due to the technical limitation in the decision engine deployment aspect, a hardware code deployment mode is still adopted at present, so that the difficulty of opening a user is increased, and the credit approval efficiency is further reduced. Therefore, the existing credit approval mode can not meet the credit approval requirement of the user no matter on manual approval or hardware support.
Disclosure of Invention
The invention provides a credit approval method, a credit approval device, credit approval equipment and a credit approval storage medium based on a decision engine, and mainly aims to enable a user to configure the decision engine to obtain a business process according to requirements through the introduced decision engine and realize automatic approval of credit business through the business process adapted in the decision engine, so that manual participation is greatly reduced, and the approval efficiency is improved.
A decision engine based credit approval method, the method comprising: configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to different service scenes respectively; when determining that a credit request of a user is received, acquiring data of the user, and processing the data of the user through the decision engine to acquire a process variable; and determining a business process matched with the user, and performing credit approval on the process variable through the matched business process to obtain an approval result.
In one embodiment, the configuring instruction includes a component editing instruction and a component dragging instruction, and configuring the decision engine according to the configuring instruction to obtain at least one service flow includes: editing the components according to the component editing instruction to obtain a flow component, wherein the flow component comprises a rule component, a score card component and a decision tree component; and carrying out mobile dragging on the flow assembly according to the assembly dragging instruction, and constructing at least one business flow.
In one embodiment, the performing component editing according to the component editing instruction to obtain a flow component includes: determining a flow assembly of a type specified by a user according to the assembly editing instruction, and displaying an editing interface of the flow assembly of the specified type; receiving a selection operation determination component element of a user on the editing interface; and constructing the flow component according to the component element.
In one embodiment, the receiving a selection operation of the user on the editing interface determines a component element, including: when the specified type is a rule component, receiving a first point selection operation of a user on a rule component editing interface, and determining a first type component element according to the first point selection operation, wherein the first type component element comprises: rule type, weight value and rule content; when the specified type is the score card component, receiving a second clicking operation of the user on an editing interface of the score card component, and determining a second type component element according to the second clicking operation, wherein the second type component element comprises: function type and scoring mode; when the designated type is a decision tree component, receiving a third selection operation of a user on a decision tree component editing interface, and determining a third type component element according to the third selection operation, wherein the third type component element comprises: and (5) a decision-making mode.
In one embodiment, the method further comprises: the credit request comprises an identity of a user; the processing the data of the user through the decision engine to obtain the process variable comprises the following steps: extracting credit records and credit investigation records of the user from a local database or a third-party database according to the identity; and deriving the credit records and the credit investigation records according to a specified derivation algorithm through the decision engine to obtain the process variables.
In one embodiment, the determining the business process matching with the user includes: determining a target service scene corresponding to the user according to the credit request; and determining a business process matched with the user according to the target business scene.
In one embodiment, after the credit approval is performed on the process variable through the matched business process to obtain an approval result, the method further includes: monitoring the business process to obtain the approval duration corresponding to the approval result; evaluating the performance of the business process according to the approval result and the approval duration to obtain an evaluation result; and adjusting the business process based on the evaluation result.
A decision engine based credit approval apparatus, the apparatus comprising: the configuration module is used for configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to different service scenes respectively; the flow variable acquisition module is used for acquiring the data of the user when determining that a credit request of the user is received, and processing the data of the user through the decision engine to acquire a flow variable; and the approval module is used for determining the business process matched with the user and carrying out credit approval on the process variable through the matched business process to obtain an approval result.
A computer device comprising a memory and a processor, the memory having stored therein computer readable instructions which, when executed by the processor, cause the processor to perform the steps of a decision engine based credit approval method as described above.
A storage medium storing computer readable instructions which, when executed by one or more processors, cause the one or more processors to perform the steps of a decision engine based credit approval method as described above.
According to the method and the system, the decision engine is configured according to the user requirements to obtain the business processes corresponding to different scenes, and the credit approval is automatically carried out on the obtained user data through the business processes adapted in the decision engine, so that the workload of manual examination and approval is greatly reduced, and the approval efficiency is improved.
Drawings
FIG. 1 is a block diagram of an internal structure of a computer apparatus according to an embodiment;
FIG. 2 is a flow diagram of a method for decision engine based credit approval in one embodiment;
FIG. 3 is a diagram illustrating an application scenario of a credit approval method based on a decision engine in one embodiment;
FIG. 4 is a schematic diagram of a rules component editing interface in one embodiment;
FIG. 5 is a diagram of a score card component editing interface in one embodiment;
FIG. 6 is a schematic illustration of a business process constructed in one embodiment;
FIG. 7 is a flow diagram of a method for decision engine based credit approval in one embodiment;
FIG. 8 is a block diagram of a credit approval apparatus based on a decision engine in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and do not limit the invention.
Fig. 1 is a schematic diagram of an internal configuration of a computer device according to an embodiment. As shown in fig. 1, the computer device includes a processor, a non-volatile storage medium, a memory, and a network interface connected through a system bus. The non-volatile storage medium of the computer device stores an operating system, a database and computer readable instructions, the database can store business processes, process variables and the like corresponding to different business scenes, and when the computer readable instructions are executed by the processor, the processor can realize a credit approval method based on the decision engine. The processor of the computer device is used for providing calculation and control capability and supporting the operation of the whole computer device. The memory of the computer device may have stored therein computer readable instructions that, when executed by the processor, may cause the processor to perform a decision engine-based credit approval method. The network interface of the computer device is used for connecting and communicating with the terminal. Those skilled in the art will appreciate that the architecture shown in fig. 1 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
As shown in fig. 2, in an embodiment, a decision engine-based credit approval method is proposed, which can be applied to the computer device described above, and specifically includes the following steps:
step 101, configuring a decision engine according to a configuration instruction to obtain at least one service flow, wherein each service flow corresponds to a different service scene.
The configuration instruction may be a command line manner for configuring the computer device, which is a common manner for network operation and maintenance. Generally, in a command line interface of the computer device, a user can input a configuration request and send the configuration request to the computer device; and the computer equipment determines the configuration instruction after receiving the configuration request and executes the configuration instruction according to the configuration instruction. Decision engines generally refer to a tool that assists a user in making a decision in one of a number of ways based on a number of rules, decision conditions. The online risk decision-making system is an enterprise-level online risk decision-making system, can provide functions such as a decision-making model, decision-making service and decision-making flow, and provides a basis for financial institutions such as banks to realize online wind control. The business process can be a series of links divided according to different phases of the business.
In the embodiment of the present application, the configuration instruction may include a component editing instruction and a component dragging instruction, and the step of configuring the decision engine according to the configuration instruction to obtain at least one service flow includes: editing the components according to the component editing instruction to obtain a flow component, wherein the flow component comprises a rule component, a score card component and a decision tree component; and moving and dragging the flow components according to the component dragging instruction to construct at least one business flow.
As shown in fig. 3, the application scenario diagram of the present embodiment mainly involves three phases of business data preparation, approval based on a decision engine, and access of a business approval system when a credit approval is performed on a user, and the present application focuses on the approval based on the decision engine. And before approval is carried out based on the decision engine, the used decision engine is firstly configured, and the important point is to configure the business process needing to be applied in the decision engine.
Specifically, since the business process in the decision engine is mainly composed of a plurality of different types of process components, and the process components may include process components such as rule components, score card components, decision tree components, and the like, in this embodiment, before the business process is acquired, when it is determined that the configuration instruction of the decision engine is received, the components are edited according to a component editing instruction included in the configuration instruction to acquire the process components.
In this embodiment, the obtaining the flow component by editing the component according to the component editing instruction may include: determining the flow components of the type specified by the user according to the component editing instruction, and displaying an editing interface of the flow components of the specified type; receiving a selection operation determination component element of a user on an editing interface; and constructing the flow component according to the component element.
In an embodiment of the present application, the determining a component element by receiving a selection operation of a user on an editing interface may include: when the specified type is a rule component, receiving a first point selection operation of a user on a rule component editing interface, and determining a first type component element according to the first point selection operation, wherein the first type component element comprises: rule type, weight value and rule content; when the designated type is the score card component, receiving a second clicking operation of the user on the score card component editing interface, and determining a second type component element according to the second clicking operation, wherein the second type component element comprises: function type and scoring mode; when the specified type is a decision tree component, receiving a third selection operation of a user on the decision tree component editing interface, and determining a third type component element according to the third selection operation, wherein the third type component element comprises: and (6) a decision mode.
Specifically, when the component editing is performed according to the component editing instruction, the user may specifically select to edit the flow component of the specified type, because after the flow component of the type specified by the user is determined according to the component editing instruction, the boundary of the flow component of the specified type is displayed for the user to edit, for example, when the specified type is determined to be a rule component, the rule component editing interface shown in fig. 4 is displayed to the user. When the specified type is determined to be a scorecard component, a scorecard component editing interface, as shown in FIG. 5, is presented. Of course, the embodiment is only an example, and the specific form of the boundary interface of each flow component is not limited, and the embodiment is not limited as long as the user can edit the flow component of the designated type, and the flow component is within the scope of the present application.
For example, for the rule component editing interface shown in fig. 4, when it is determined that a first selection operation of a user on the rule component editing interface is received, a first type component element is determined according to the first selection operation, and the first type component element may specifically include a rule type, a weight value, and a rule content, where the weight value specifically refers to a proportion degree of the flow component in the constructed business flow, and what is specifically included in the rule content is a specific execution mode of the rule. In addition, a user can edit the first type component element in a content filling manner on the rule component editing interface, so that the first type component element determined in the filling manner may further include a rule name, a rule number, and the like.
In addition, for the score card component editing interface shown in fig. 5, a second type component element may be determined according to a second clicking operation of the user, and the second type component element may specifically be a function type and a score mode. In addition, the user may edit the score card component editing interface in a content filling manner, so that the second type component element determined in the filling manner may further include a score card name, a score card number, and the like, and the specific type of the second type component element is not limited in this embodiment.
It should be noted that the process components of this embodiment may further include a champion challenger component, where the champion challenger component may set one of the wind control models as a champion group and the other wind control models as a challenge group by using a champion challenger policy from the dimensions of the wind control models in order to verify the accuracy of risk prediction of the wind control models according to the risk decision result of the wind control models and the subsequent overdue condition of the corresponding customer with credit requirement. And respectively determining the prediction accuracy of each wind control model according to the risk decision result of each wind control model and the subsequent overdue condition of the corresponding borrowed customer, and subsequently setting the wind control model with the highest prediction accuracy as a champion group and setting other wind control models as a challenge group. And the editing mode of the champion challenger component is substantially the same as that of other types of business process components, so the detailed description is omitted in the embodiment. In addition, in the embodiment, when the flow editing component is edited, the relevant elements corresponding to the flow editing component can be selected by clicking the selected operation mode on the editing interface by the user, and the code programming by the operator is not needed, so that the editing pressure of the operator is reduced.
Specifically, when the process component editing is completed, the corresponding process component can be moved and dragged to the designated interface position according to a component dragging instruction in the configuration instruction, so as to construct at least one business process. For example, as shown in fig. 6, a schematic diagram of a business process constructed by using a drag instruction to move and drag a corresponding process component to a specified interface position is shown.
It should be noted that, a plurality of score card components may be included in a business process. And a plurality of business processes can be obtained by configuring the decision engine according to an instruction of an operator, and each business process corresponds to a different business scenario, wherein the business scenario specifically includes: before credit, collecting user personal data, loan service data, examining and approving user personal data, loan service data and other service scenes; business scenes such as contract signing data generation, data review before loan and financial loan in the credit period; business scenes after credit include user repayment, expense deduction, user tracking return visit, user wind control warning, blacklist management and the like.
Step 102, acquiring user data when determining that a credit request of a user is received, and processing the user data through a decision engine to acquire a process variable.
The credit request is a loan request initiated by a user to a server, and the server can acquire a credit record and a credit investigation record of the user when receiving the loan request. The flow variable may be a decision variable value based on the decision engine output.
In the embodiment of the application, the credit request comprises the identity of the user; the processing the data of the user by the decision engine to obtain the process variable may include: extracting credit records and credit investigation records of the user from a local database or a third-party database according to the identity; and deriving the credit record and the credit investigation record according to a specified derivation algorithm through a decision engine to obtain a process variable.
For example, a credit request of a user is received, an identity of the user is obtained according to the credit request, and data information of the user is inquired from a local database or a third-party database according to the identity of the user, wherein the credit record comprises a user historical loan record and a credit investigation record of the user. And deriving the data information by a decision engine according to a specified derivation algorithm to obtain a process variable. For example, the position of the user is obtained by processing through a derivation algorithm according to the identity of the user; acquiring the income level of the user according to the historical loan record of the user; and acquiring loan risk levels and the like of the user according to credit investigation records of the user, and taking derivative results acquired within a time range specified by the user as process variables, wherein the specified time range can refer to data information of the user in the last year.
The derivation algorithm may also adopt multiple types of derivation algorithms such as common logic calculation, numerical value conversion, Json processing, custom script application, and the like to perform derivation processing. This embodiment is not particularly limited to this.
And 103, determining a business process matched with the user, and performing credit approval on the process variable through the matched business process to obtain an approval result.
In the embodiment of the present application, determining a business process matched with a user includes: determining a target service scene corresponding to the user according to the credit request; and determining a business process matched with the user according to the target business scene.
The target service scene is a service scene corresponding to the credit request of the user, and different service scenes correspond to different service flows, so that the service scene and the target service flow corresponding to the service scene can be determined according to the credit request of the user, and the credit approval is carried out on the flow variable through the target service flow.
For example, the flow variables are judged through the rule component of the target business flow, when the position of the user is determined to belong to the specified area, the user is considered not to be eligible for credit approval, no loan is issued to the user, so that credit approval for the user is terminated, when the position of the user is determined not to belong to the specified area, the user is considered eligible for credit approval, and the credit approval for the user is continued to be eligible for next link approval. Grading the credit level of the user according to the flow variable through at least one grading card component of the target business process to obtain a grading result; and determining the examination and approval quota and examination and approval interest rate according to the grading result through a decision data component. And displaying the obtained examination and approval result to an operator so as to facilitate the operator to approve the examination and approval result.
According to the method and the system, the decision engine is configured according to the user requirements to obtain the business processes corresponding to different scenes, and the credit approval is automatically carried out on the obtained user data through the business processes adapted in the decision engine, so that the workload of manual examination and approval is greatly reduced, and the approval efficiency is improved.
Fig. 7 shows that in an embodiment, based on the above embodiment, after the approval result is obtained, the method further includes adjusting the business process according to the relevant information of the approval result, and specifically includes the following steps:
step 201, configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to a different service scenario.
In this embodiment of the present application, the configuration instruction may include a component editing instruction and a component dragging instruction, and the configuring, according to the configuration instruction, the decision engine is configured to obtain at least one service process, where the configuring includes: editing the components according to the component editing instruction to obtain a flow component, wherein the flow component comprises a rule component, a score card component and a decision tree component; and moving and dragging the flow components according to the component dragging instruction to construct at least one business flow.
In this embodiment, the obtaining the flow component by editing the component according to the component editing instruction may include: determining the flow components of the type specified by the user according to the component editing instruction, and displaying an editing interface of the flow components of the specified type; receiving a selection operation determination component element of a user on an editing interface; and constructing the flow component according to the component element.
In an embodiment of the present application, the determining a component element by receiving a selection operation of a user on an editing interface may include: when the designated type is a rule component, receiving a first point selection operation of a user on a rule component editing interface, and determining a first type component element according to the first point selection operation, wherein the first type component element comprises: rule type, weight value and rule content; when the designated type is the score card component, receiving a second clicking operation of the user on the score card component editing interface, and determining a second type component element according to the second clicking operation, wherein the second type component element comprises: function type and scoring mode; when the specified type is a decision tree component, receiving a third selection operation of a user on the decision tree component editing interface, and determining a third type component element according to the third selection operation, wherein the third type component element comprises: and (6) a decision mode.
Step 202, when determining that a credit request of a user is received, acquiring data of the user, and processing the data of the user through a decision engine to acquire a process variable.
In the embodiment of the application, the credit request comprises the identity of the user; the processing the data of the user by the decision engine to obtain the process variable may include: extracting credit records and credit investigation records of the user from a local database or a third-party database according to the identity; and deriving the credit record and the credit investigation record by a decision engine according to a specified derivation algorithm to obtain a process variable.
And step 203, determining a business process matched with the user, and performing credit approval on the process variable through the matched business process to obtain an approval result.
In the embodiment of the present application, determining a business process matched with a user includes: determining a target service scene corresponding to the user according to the credit request; and determining a business process matched with the user according to the target business scene.
And 204, monitoring the service process to acquire the approval time corresponding to the approval result.
As shown in fig. 3, the schematic diagram of the application scenario specifically further includes a related monitoring and counting component, and when credit approval is performed through a business process in the decision engine, the related monitoring and counting component may specifically monitor approval of the business process to obtain an approval duration corresponding to an approval result.
For example, when credit approval is performed on user data in a wind control scenario through the business process shown in fig. 6, monitoring is performed through the monitoring statistical component, the obtained approval quota is one hundred thousand, and the used time duration is 10 seconds.
And step 205, evaluating the performance of the business process according to the approval result and the approval duration, and acquiring an evaluation result.
In the embodiment of the application, the reliability of the approval result is judged, performance parameters are preset, the reliability and the approval duration of the approval result are evaluated, the evaluation result is obtained, and a performance optimization suggestion is automatically generated according to the evaluation result. When the approval limit of the similar application user is determined to be 1 ten thousand according to the historical approval result, and the approval limit is acquired in the application by one hundred thousand, so that the difference is obvious, the feasibility degree of the business process is evaluated to be three levels, and the set highest credibility level is six levels. And comparing the approval time length with a preset time length, and determining that the time length exceeds 4 seconds, wherein the time length is evaluated to be in two stages, and the highest grade of the set time length is in five stages. An upgrade suggestion, for example, a weight of the rating card assembly 1 is reduced, may be automatically generated according to the above evaluation result.
And step 206, adjusting the business process based on the evaluation result.
In the embodiment of the present application, the business process is adjusted based on the generated performance optimization suggestion, including but not limited to re-clicking related elements such as functions and weights in the score card component to re-edit the score card component.
According to the credit approval method and the credit approval system, the decision engine is introduced, so that a user can configure the decision engine to obtain the business process according to the requirement, and the automatic approval of the credit business is realized through the business process adapted in the decision engine, so that the manual participation is greatly reduced, the approval efficiency is improved, meanwhile, the business process is adjusted according to the evaluation result, the process can be timely modified, and the approval time is shortened.
As shown in fig. 8, in one embodiment, a decision engine-based credit approval apparatus is provided, which may be integrated in the computer device, and may specifically include: a configuration module 310, a process variable acquisition module 320, and an approval module 330.
The configuration module 310 is configured to configure the decision engine according to the configuration instruction to obtain at least one service flow, where each service flow corresponds to a different service scenario;
The process variable acquisition module 320 is used for acquiring the data of the user when the credit request of the user is determined to be received, and processing the data of the user through the decision engine to acquire the process variable;
and the approval module 330 is configured to determine a business process matched with the user, and perform credit approval on the process variable through the matched business process to obtain an approval result.
In one embodiment, a computer device is proposed, the computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to different service scenes respectively; acquiring data of a user when a credit request of the user is determined to be received, and processing the data of the user through a decision engine to acquire a process variable; and determining a business process matched with the user, and performing credit approval on the process variable through the matched business process to obtain an approval result.
In one embodiment, the configuration instruction includes a component editing instruction and a component dragging instruction, and the step of configuring the decision engine according to the configuration instruction to obtain at least one service flow includes: editing the components according to the component editing instruction to obtain a flow component, wherein the flow component comprises a rule component, a score card component and a decision tree component; and moving and dragging the flow components according to the component dragging instruction to construct at least one business flow.
In one embodiment, the component editing according to the component editing instruction to obtain the flow component comprises: determining a flow assembly of a type specified by a user according to the assembly editing instruction, and displaying an editing interface of the flow assembly of the specified type; receiving a selection operation determination component element of a user on an editing interface; the flow components are built from the component elements.
In one embodiment, receiving a selection operation by a user on an editing interface determines a component element, including: when the specified type is a rule component, receiving a first point selection operation of a user on a rule component editing interface, and determining a first type component element according to the first point selection operation, wherein the first type component element comprises: rule type, weight value and rule content; when the designated type is the score card component, receiving a second clicking operation of the user on the score card component editing interface, and determining a second type component element according to the second clicking operation, wherein the second type component element comprises: function type and scoring mode; when the specified type is a decision tree component, receiving a third selection operation of a user on the decision tree component editing interface, and determining a third type component element according to the third selection operation, wherein the third type component element comprises: and (5) a decision-making mode. And determining that the current message queue state is non-empty according to the traversal result, and taking the currently traversed calling message as a target message.
In one embodiment, the credit request includes an identification of the user; processing the data of the user through a decision engine to obtain a process variable, wherein the process variable comprises the following steps: extracting credit records and credit investigation records of the user from a local database or a third-party database according to the identity; and deriving the credit record and the credit investigation record by a decision engine according to a specified derivation algorithm to obtain a process variable.
In one embodiment, determining a business process matching a user comprises: determining a target service scene corresponding to the user according to the credit request; and determining a business process matched with the user according to the target business scene.
In one embodiment, after the credit approval is performed on the process variable through the matched business process to obtain the approval result, the method further comprises the following steps: monitoring the service process to obtain the approval duration corresponding to the approval result; evaluating the performance of the business process according to the approval result and the approval duration to obtain an evaluation result; and adjusting the business process based on the evaluation result.
In one embodiment, a storage medium is provided that stores computer-readable instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of: configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to different service scenes respectively; acquiring data of a user when a credit request of the user is determined to be received, and processing the data of the user through a decision engine to acquire a process variable; and determining a business process matched with the user, and performing credit approval on the process variable through the matched business process to obtain an approval result.
In one embodiment, the configuration instruction includes a component editing instruction and a component dragging instruction, and the step of configuring the decision engine according to the configuration instruction to obtain at least one service flow includes: editing the components according to the component editing instruction to obtain a flow component, wherein the flow component comprises a rule component, a score card component and a decision tree component; and moving and dragging the flow components according to the component dragging instruction to construct at least one business flow.
In one embodiment, the component editing according to the component editing instruction to obtain the flow component comprises: determining the flow components of the type specified by the user according to the component editing instruction, and displaying an editing interface of the flow components of the specified type; receiving a selection operation determination component element of a user on an editing interface; and constructing the flow component according to the component element.
In one embodiment, receiving a selection operation by a user on an editing interface determines a component element, including: when the specified type is a rule component, receiving a first point selection operation of a user on a rule component editing interface, and determining a first type component element according to the first point selection operation, wherein the first type component element comprises: rule type, weight value and rule content; when the designated type is the score card component, receiving a second clicking operation of the user on the score card component editing interface, and determining a second type component element according to the second clicking operation, wherein the second type component element comprises: function type and scoring mode; when the specified type is a decision tree component, receiving a third selection operation of a user on the decision tree component editing interface, and determining a third type component element according to the third selection operation, wherein the third type component element comprises: and (5) a decision-making mode. And determining that the current message queue state is non-empty according to the traversal result, and taking the currently traversed calling message as a target message.
In one embodiment, the credit request includes an identification of the user; processing the data of the user through a decision engine to obtain a process variable, wherein the process variable comprises the following steps: extracting credit records and credit investigation records of the user from a local database or a third-party database according to the identity; and deriving the credit record and the credit investigation record according to a specified derivation algorithm through a decision engine to obtain a process variable.
In one embodiment, determining a business process matching a user includes: determining a target service scene corresponding to the user according to the credit request; and determining a business process matched with the user according to the target business scene.
In one embodiment, after the credit approval is performed on the process variable through the matched business process to obtain the approval result, the method further comprises the following steps: monitoring the service process to obtain the approval duration corresponding to the approval result; evaluating the performance of the business process according to the approval result and the approval duration to obtain an evaluation result; and adjusting the business process based on the evaluation result.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).
All possible combinations of the technical features in the above embodiments may not be described for the sake of brevity, but should be considered as being within the scope of the present disclosure as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present invention, and the description thereof is specific and detailed, but not to be understood as limiting the scope of the present invention. It should be noted that various changes and modifications can be made by those skilled in the art without departing from the spirit of the invention, and these changes and modifications are all within the scope of the invention. Therefore, the protection scope of the present patent should be subject to the appended claims.
Claims (10)
1. A decision engine based credit approval method, the method comprising:
configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to different service scenes respectively;
when determining that a credit request of a user is received, acquiring data of the user, and processing the data of the user through the decision engine to acquire a process variable;
And determining a business process matched with the user, and performing credit approval on the process variable through the matched business process to obtain an approval result.
2. The method of claim 1, wherein the configuration instructions include a component edit instruction and a component drag instruction,
the step of configuring the decision engine according to the configuration instruction to obtain at least one service process comprises the following steps:
editing the components according to the component editing instruction to obtain a flow component, wherein the flow component comprises a rule component, a score card component and a decision tree component;
and carrying out mobile dragging on the flow assembly according to the assembly dragging instruction, and constructing at least one business flow.
3. The method of claim 2, wherein said performing component editing according to the component editing instruction to obtain a flow component comprises:
determining a flow assembly of a type specified by a user according to the assembly editing instruction, and displaying an editing interface of the flow assembly of the specified type;
receiving a selection operation determination component element of a user on the editing interface;
and constructing the flow component according to the component element.
4. The method according to claim 3, wherein the receiving a selection operation by a user on the editing interface determines a component element, comprising:
when the specified type is a rule component, receiving a first point selection operation of a user on a rule component editing interface, and determining a first type component element according to the first point selection operation, wherein the first type component element comprises: rule type, weight value and rule content;
when the specified type is the score card component, receiving a second click operation of the user on a score card component editing interface, and determining a second type component element according to the second click operation, wherein the second type component element comprises: function type and scoring mode;
when the specified type is a decision tree component, receiving a third selection operation of a user on a decision tree component editing interface, and determining a third type component element according to the third selection operation, wherein the third type component element comprises: and (6) a decision mode.
5. The method according to claim 1, wherein the credit request includes an identification of the user;
The processing the data of the user through the decision engine to obtain the process variable comprises the following steps:
extracting credit records and credit investigation records of the user from a local database or a third-party database according to the identity;
and deriving the credit records and the credit investigation records by the decision engine according to a specified derivation algorithm to obtain the process variables.
6. The method of claim 1, wherein the determining the business process matching the user comprises:
determining a target service scene corresponding to the user according to the credit request;
and determining a business process matched with the user according to the target business scene.
7. The method according to any one of claims 1 to 6, wherein after the performing a credit approval on the process variable through the matched business process to obtain an approval result, further comprising:
monitoring the business process to obtain the approval duration corresponding to the approval result;
evaluating the performance of the business process according to the approval result and the approval duration to obtain an evaluation result;
and adjusting the business process based on the evaluation result.
8. A decision engine-based credit approval apparatus, the apparatus comprising:
the configuration module is used for configuring the decision engine according to the configuration instruction to obtain at least one service flow, wherein each service flow corresponds to different service scenes respectively;
the flow variable acquisition module is used for acquiring the data of the user when determining that a credit request of the user is received, and processing the data of the user through the decision engine to acquire a flow variable;
and the approval module is used for determining the business process matched with the user and carrying out credit approval on the process variable through the matched business process to obtain an approval result.
9. A computer device comprising a memory and a processor, the memory having stored therein computer-readable instructions that, when executed by the processor, cause the processor to perform the steps of the method of any one of claims 1 to 7.
10. A storage medium having stored thereon computer-readable instructions which, when executed by one or more processors, cause the one or more processors to perform the steps of the method of any one of claims 1 to 7.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117785157A (en) * | 2023-12-29 | 2024-03-29 | 北京开科唯识技术股份有限公司 | Decision engine based on financial wind control business rule scene and implementation method |
| CN117852926A (en) * | 2024-03-04 | 2024-04-09 | 四川享宇科技有限公司 | Champion challenger strategy management method and champion challenger strategy management system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117785157A (en) * | 2023-12-29 | 2024-03-29 | 北京开科唯识技术股份有限公司 | Decision engine based on financial wind control business rule scene and implementation method |
| CN117852926A (en) * | 2024-03-04 | 2024-04-09 | 四川享宇科技有限公司 | Champion challenger strategy management method and champion challenger strategy management system |
| CN117852926B (en) * | 2024-03-04 | 2024-05-14 | 四川享宇科技有限公司 | Champion challenger strategy management method and champion challenger strategy management system |
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