CN114780598A

CN114780598A - Loan data acquisition method and device and computer equipment

Info

Publication number: CN114780598A
Application number: CN202210300111.9A
Authority: CN
Inventors: 卞兴涛; 马腾
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2022-03-25
Filing date: 2022-03-25
Publication date: 2022-07-22

Abstract

The application relates to a loan data acquisition method, a loan data acquisition device and computer equipment. The method comprises the following steps: the method comprises the steps of obtaining current operation data of an object, and searching a target index corresponding to the current operation data in a user-defined parameter table, wherein the user-defined parameter table is used for storing at least one index, and each index comprises: the method comprises the steps of identifying an index ID, a component, an operation type and indication information, wherein the indication information is used for indicating whether the index is valid or not; if the indication information of the target index indicates that the target index is effective, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: real-time overview data, a user portrait corresponding to the object ID, and a frequent path corresponding to the object ID. The loan data provided by the method is comprehensive, and the method is favorable for business personnel to comprehensively and deeply analyze the loan service, thereby meeting the individualized demands of the loan service brought by user differentiation and user diversification.

Description

Loan data acquisition method and device and computer equipment

Technical Field

The application relates to the technical field of big data analysis, in particular to a loan data acquisition method and device and computer equipment.

Background

Under the background that 'internet +' and various financial institutions seek digital transformation, refined operation and precise marketing based on user portrait increasingly become important means for meeting diversified and differentiated requirements of customers.

At present, a method for loan full-period management comprises a T + N report form and a data monitoring screen, however, data obtained by the two methods are single, so that business personnel are difficult to deeply analyze loan businesses and are not beneficial to optimization and expansion of the loan businesses.

Disclosure of Invention

In view of the above, it is necessary to provide a loan data acquisition method, apparatus, and computer device that can improve the richness of data in view of the above technical problems.

In a first aspect, the present application provides a loan data acquisition method. The method comprises the following steps:

acquiring current operation data of an object, wherein the current operation data comprises: an object ID, a current operation component, a current operation type and an operation timestamp;

searching a target index corresponding to the current operation data in a custom parameter table, wherein the custom parameter table is used for storing at least one index, and each index comprises: the method comprises the steps of identifying an index ID, a component, an operation type and indication information, wherein the indication information is used for indicating whether the index is valid or not;

if the indication information of the target index indicates that the target index is effective, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: real-time overview data, a user image corresponding to the object ID, and a frequent path corresponding to the object ID.

In one embodiment, the searching for the target indicator corresponding to the current operation data in the custom parameter table includes:

and searching indexes of which the components and the operation types are matched with the current operation data in the user-defined parameter table, and taking the searched indexes as the target indexes.

In one embodiment, the obtaining loan data to be displayed according to the current operation data includes:

and if the current operation component is a first page and the current operation type is browsing, adding 1 to the access amount of the first page, wherein the real-time overview data comprises the access amount of the first page.

storing the current operational data in a data repository;

acquiring operation data corresponding to the object ID within a preset time period from the data warehouse;

acquiring a frequent path corresponding to the object ID according to the operation data corresponding to the object ID and a frequent item mining algorithm;

and acquiring the user portrait corresponding to the object ID according to the operation data corresponding to the object ID.

In one embodiment, the obtaining a frequent path corresponding to the object ID according to the N operation data corresponding to the object ID and a frequent item mining algorithm includes:

dividing the N operation data into a plurality of behavior sequences according to the time length between two adjacent operation time stamps;

and inputting the behavior sequences into the frequent item mining algorithm to obtain a frequent path corresponding to the object ID.

In one embodiment, the user representation includes an enterprise dimension representation and a personal dimension representation, the enterprise dimension representation including at least one of the following information: enterprise ID, enterprise establishment period, enterprise operation state, enterprise scale, enterprise property, enterprise affiliated industry, enterprise actual controller ID, enterprise legal representative ID, whether to measure and calculate quota, whether to sign up for credit, whether to support loan and whether to settle loan; the personal dimension portrait includes at least one of the following information: unique identity, age, sex, native place, activity level, real name authentication, credit measurement, credit contract signing, loan payment and loan settlement.

In a second aspect, the application also provides a loan data acquisition device. The device comprises:

an obtaining module, configured to obtain current operation data of an object, where the current operation data includes: an object ID, a current operation component, a current operation type and an operation timestamp;

the searching module is used for searching a target index corresponding to the current operation data in a user-defined parameter table, the user-defined parameter table is used for storing at least one index, and each index comprises: the method comprises the steps of identifying an index ID, a component, an operation type and indication information, wherein the indication information is used for indicating whether the index is valid or not;

the obtaining module is further configured to obtain loan data to be displayed according to the current operation data if the indication information of the target index indicates that the target index is valid, where the loan data includes: real-time overview data, a user portrait corresponding to the object ID, and a frequent path corresponding to the object ID.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the following steps when executing the computer program:

searching a target index corresponding to the current operation data in a custom parameter table, wherein the custom parameter table is used for storing at least one index, and each index comprises: the method comprises the steps of identifying an index ID, a component, an operation type and indication information, wherein the indication information is used for indicating whether the index is valid;

In a fourth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of:

In a fifth aspect, the present application further provides a computer program product. The computer program product comprising a computer program which when executed by a processor performs the steps of:

According to the loan data acquisition method, the loan data acquisition device and the computer equipment, firstly, the current operation data of an object is acquired; searching a target index corresponding to the current operation data in the custom parameter table, if the indication information of the target index indicates that the target index is effective, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: real-time overview data, a user image corresponding to the object ID, and a frequent path corresponding to the object ID. The loan data provided by the method is comprehensive, and the method is favorable for business personnel to comprehensively and deeply analyze the loan service, thereby meeting the individualized demands of the loan service brought by user differentiation and user diversification.

Drawings

FIG. 1 is a schematic diagram of a system configuration in one embodiment;

FIG. 2 is a flow diagram illustrating a method for loan data acquisition, in accordance with one embodiment;

FIG. 3 is a flow chart illustrating a loan data acquisition method according to another embodiment;

FIG. 4 is a schematic flow chart diagram illustrating a loan data acquisition method in accordance with yet another embodiment;

FIG. 5 is a schematic flow chart diagram illustrating a loan data acquisition method in accordance with yet another embodiment;

FIG. 6 is a block diagram showing the construction of a loan data acquisition apparatus in one embodiment;

FIG. 7 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more clearly understood, the present application 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 and not restrictive on the broad application.

In some embodiments, the loan full-period management method includes a T + N report and a data monitoring screen, however, the data obtained by the two methods are relatively single, which makes it difficult for business personnel to perform deep analysis on the loan service, and is not beneficial to optimization and expansion of the loan service.

Therefore, the loan data acquisition method is provided in the embodiment of the application, the data acquired by the method is single as an entry point, and after the operation data of an object is acquired, real-time overview data, user figures, frequent paths and the like can be acquired based on the operation data.

The loan data acquisition method provided by the embodiment of the application can be applied to the system shown in fig. 1. The system shown in fig. 1 comprises: the terminal comprises a server, a first terminal and a second terminal. The first terminal may be a terminal held by a user, and the second terminal may be a terminal held by a service person. The server includes: the system comprises a distributed publishing and subscribing message system Kafka, a relational database management system MySQL, a data warehouse, a real-time processing module, a user portrait module and a frequent path mining module, wherein the real-time processing module is connected with the Kafka, the data warehouse is connected with the MySQL, and the user portrait module and the frequent path mining module are connected with the data warehouse.

The first terminal can be provided with an Application program (APP) for applying for loan, the APP can comprise a Software Development Kit (SDK), the SDK can be used for collecting operation data of an object on the APP, after the operation data of the object on the APP is collected by the SDK, the operation data is sent to the server through a network, after the operation data is received by the server, loan data can be obtained by executing the scheme of the embodiment of the Application and sent to the second terminal through the network, and the second terminal can display the loan data on a user interface for service staff to check.

Optionally, the first terminal and the second terminal may be, but are not limited to, a personal computer, a notebook computer, a smart phone, a tablet computer, an internet of things device, or a portable wearable device, and the internet of things device may be an intelligent sound box, an intelligent television, an intelligent air conditioner, or an intelligent vehicle-mounted device. The portable wearable device can be a smart watch, a smart bracelet, or a head-mounted device, etc. The server may be implemented as a stand-alone server or as a server cluster consisting of a plurality of servers.

In one embodiment, as shown in fig. 2, there is provided a loan data acquisition method, which is applicable to the server in fig. 1, comprising the steps of:

s202, obtaining the current operation data of the object, wherein the current operation data comprises: object ID, current operating component, current operating type, and operating timestamp.

Optionally, the current operation data may be operation data of an object on an application APP, or operation data of the object on a World Wide Web (Web for short), and the source of the current operation data is not limited in the present application. The following description will be made by taking an application APP as an example.

Optionally, the operation of the object on the APP may be browsing a certain page, clicking a certain button, and the like. The object in the embodiment of the present application may be understood as a human being, an enterprise, or a machine, and the embodiment of the present application is not limited.

The following examples illustrate:

assuming that the current operation of the user on the APP is to browse page a, the current operation components are: page A; the current operation type is: browsing; the operation time stamp is: the time at which the user clicks on page a. In this case, "page a", "browse", "time of opening page a" constitute the current operation data of the object on the APP.

Further assume that the current operation of the user on APP is to click the button B, then the current operation components are: button B, the current operation type is: clicking; the operation time stamp is: the moment the user clicks button B. In this case, "button B", "click", "time when button B is clicked" described above constitute the current operation data of the object on the APP.

Optionally, referring to fig. 1, after the SDK on the first terminal acquires the current operation data, the current operation data may be copied into two parts, one part is sent to the distributed publish-subscribe message system Kafka, and the other part is sent to the relational database management system MySQL.

S204, searching a target index corresponding to the current operation data in a custom parameter table, wherein the custom parameter table is used for storing at least one index, and each index comprises: the index ID, the component, the operation type, and indication information indicating whether the index is valid.

Specifically, the operations of the object on the APP are various, many of the operations are operations that are not concerned by business personnel, and in order to avoid resource waste caused by processing none of the operations, the embodiment of the present application provides that a custom parameter table may be set in the server, where the custom parameter table is used to store at least one index defined by the business personnel, and the business personnel may define whether each index is valid in the custom parameter table. Before processing the current operation data, judging whether the current operation is the operation concerned by business personnel based on the self-defined parameter table, and if not, discarding the current operation data. Unnecessary resource waste can be avoided.

The index ID can be a unique identification code formed by components and operation types, the indication information is flexibly set by service personnel, the indication information can be set to be valid when the service personnel pay attention to corresponding operation, and the indication information can be set to be invalid when the service personnel do not pay attention to corresponding operation.

The following examples illustrate:

referring to table 2, the custom parameter table includes 2 indexes, where the index ID of one index is: ID1, components: home page, operation type is: browsing, wherein the indication information is: the method is effective; the index ID of the other index is: ID2, the components are: the loan application button has the operation types as follows: clicking, and indicating information: and (4) invalidation.

TABLE 2

Index ID	Assembly	Type of operation	Indicating information
				ID1	Front page	Browsing	Is effective
ID2	Loan application button	Click on	Nullification

Optionally, an index that both the component and the operation type are matched with the current operation data may be searched in the custom parameter table, and the searched index is used as a target index.

Optionally, whether the target index is valid is determined according to the indication information of the target index, and if yes, S206 is executed. If the operation data is invalid, the current operation data is discarded and is not processed.

The following examples illustrate:

assuming that the user's current operation on the APP is clicking the loan application button, the current operation components are: the loan application button has the current operation types as follows: clicking; the operation time stamp is: the time the user clicks the loan application button. In this case, the "loan application button", "click" and "time of clicking the loan application button" constitute the current operation data of the subject on the APP. And (3) searching whether a component is a loan application button and the operation type is a click index in the custom parameter table, and if the custom parameter table is shown in the table 2, taking the second index as a target index because the component of the second index is the loan application button and the operation type is the click index. Referring to table 2, it can be seen that the indication information of the target index indicates that the target index is valid, the process of S206 is performed on the current operation data.

S206, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: real-time overview data, a user profile corresponding to the object ID, and a frequent path corresponding to the object ID.

Optionally, the process of obtaining the real-time overview data according to the current operation data may be performed by the real-time processing module, the process of obtaining the user drawing according to the current operation data may be performed by the user drawing module, and the process of obtaining the frequent path according to the current operation data may be performed by the frequent path mining module.

Optionally, the real-time processing module may obtain the real-time overview data by stream-processing data in the Spark Streaming real-time consumption, publication, and subscription message system Kafka. Exemplary, the real-time overview data may include: the access amount (PV) of a certain Page and the number of access Users (UV).

Optionally, the MySQL may transmit the current operation data to the data warehouse through an Extract-Transform-Load (ETL). The user portrait module may periodically obtain operation data corresponding to each object ID in a preset time period from the data warehouse, and obtain the user portrait corresponding to the object ID based on the operation data corresponding to each object ID, where the preset time period may be the previous day or the previous two days, which is not limited in this embodiment of the present application.

Optionally, similar to the user portrait module, the frequent path mining module may also periodically obtain operation data corresponding to each object ID in a preset time period from the data warehouse, and obtain the frequent path corresponding to each object ID based on the operation data corresponding to each object ID. The acquisition principle of the frequent path mining module and the acquisition principle of the user portrait module can be set to be the same, that is, the operation data acquired by the frequent path mining module and the operation data acquired by the user portrait module can be the same.

Optionally, after the real-time processing module calculates the real-time overview data, the real-time overview data can be sent to the second terminal, after the user portrait module calculates the user portrait, the user portrait can be sent to the second terminal, and after the frequent path mining module calculates the frequent path, the frequent path can be sent to the second terminal.

The loan data acquisition method provided by the embodiment of the application comprises the steps of firstly, acquiring current operation data of an object; searching a target index corresponding to the current operation data in the custom parameter table, if the indication information of the target index indicates that the target index is effective, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: real-time overview data, a user image corresponding to the object ID, and a frequent path corresponding to the object ID. The loan data provided by the method is comprehensive, and the method is favorable for business personnel to comprehensively and deeply analyze the loan service, thereby meeting the individualized demands of the loan service brought by user differentiation and user diversification.

As mentioned above, the real-time processing module may obtain the real-time overview data by Streaming processing the data in the Spark Streaming real-time consumption publish-subscribe message system Kafka, which is described in detail below. It should be noted that: the real-time overview data in the embodiment of the present application may include: PV and UV of the first page. It will be appreciated that the real-time overview data may also be other data that changes in real-time. The embodiments of the present application are described only with respect to the PV and UV of the first page, which may be any page on the loan APP. In one embodiment, a loan data acquisition method is provided, which is based on the embodiment shown in fig. 2 and shown in fig. 3, where S206 specifically includes:

s301, if the current operation assembly is a first page and the current operation type is browsing, adding 1 to the access amount of the first page.

Optionally, the first page may be a home page, a loan application page, or a credit measurement page, and the first page is not limited in the present application.

Optionally, because the current operation data carries the object ID, the object ID may be searched for in all object IDs browsing the first page, if the object ID can be found, it indicates that the current object ID browses the first page, the UV of the first page is not updated, and if the object ID cannot be found, it indicates that the current object ID does not browse the first page before, the user access number UV of the first page is increased by 1.

The loan data acquisition method provided by the embodiment of the application provides a process of acquiring PV and UV of a certain page when the real-time overview data comprises PV and UV of the page, and the real-time processing module can send the real-time overview data to the second terminal, so that business personnel can see the real-time overview data on a user interface of the second terminal, and the business personnel can comprehensively and deeply analyze loan business.

The user portrait module may periodically obtain operation data corresponding to each object ID in a preset time period from the data warehouse, and obtain a user portrait corresponding to each object ID based on the operation data corresponding to the object ID. The process of obtaining a user representation is described in detail below.

Assume that the operation data corresponding to the object ID in S202 includes: first, second, third, fourth, fifth, sixth, seventh, eighth, ninth, tenth, eleventh, and twelfth operation data.

The first operation data comprises an assembly for filling the enterprise establishment age, and the operation type of the first operation data is input; the component included in the second operation data is an enterprise operation state filling component, and the operation type included in the second operation data is input; the third operation data comprises a component for filling the component for the enterprise scale, and the operation type of the third operation data is input; the fourth operation data comprises a component for filling the component for the enterprise property, and the operation type of the fourth operation data is input; the assembly included by the fifth operation data is a filling assembly of the industry to which the enterprise belongs, and the operation type included by the fifth operation data is input; the sixth operation data comprises a component for filling the ID of the actual enterprise controller, and the operation type of the sixth operation data is input; the seventh operation data comprises a component for filling the component for the ID of the enterprise legal representative, and the seventh operation data comprises an operation type of input; the eighth operation data comprises a component for measuring and calculating the quota, and the operation type of the eighth operation data comprises clicking; the ninth operation data comprises a component for filling in the component for the object ID, and the ninth operation data comprises an operation type for inputting; the tenth operation data comprises an age filling component, and the tenth operation data comprises an operation type of input; the eleventh operation data comprises a component for filling in the gender, and the eleventh operation data comprises an operation type for inputting; and if the component included in the twelfth operation data is an native place filling component, and the operation type included in the twelfth operation data is input, acquiring the enterprise establishment period, the enterprise operation state, the enterprise scale, the enterprise property, the enterprise affiliated industry, the enterprise actual controller ID, the enterprise legal representative ID, the object ID, the user age, the user gender and the native place of the user, which are input by the user. It should be noted that, in general, the small-sized micro-enterprise loan is applied for the loan on behalf of the enterprise via the legal representative or the actual controller of the enterprise, and thus, the object ID is the same as the actual controller ID of the enterprise or the legal representative ID of the enterprise.

According to the eighth operation data, the fact that the enterprise finishes measuring and calculating the quota can be determined, the loan link of the object ID depends on the loan link of the enterprise bound by the object ID, and if the fact that the enterprise finishes measuring and calculating the quota is determined, the fact that the object ID finishes measuring and calculating the quota can be determined. The enterprise establishment age, the enterprise management state, the enterprise scale, the enterprise property, the enterprise affiliated industry, the enterprise actual controller ID, the enterprise legal representative ID and the enterprise completion measurement limit are used as enterprise dimension figures, the object ID, the user age, the user sex, the user native place and the object ID completion measurement limit are used as user dimension figures, and the enterprise dimension figures and the user dimension figures form user figures. Table 2 is an example of an enterprise dimensional portrayal.

TABLE 2

Optionally, the user images corresponding to all the object IDs may be obtained through the above manner, and statistics may be performed on the user images corresponding to all the object IDs to obtain distribution of target indexes, where the target indexes include at least one of the following indexes: the method comprises the following steps of enterprise established age interval distribution, enterprise operation state distribution, enterprise scale distribution, enterprise affiliated industry distribution, enterprise property distribution, the number of enterprises which finish calculating the quota, the number of enterprises which finish signing and crediting, the number of enterprises which finish supporting and crediting, the number of enterprises which finish settlement and credit clearing, the distribution of user age intervals, the distribution of user gender, the distribution of user native region, the number of users which finish calculating the quota, the number of users which finish signing and crediting, the number of users which finish supporting and credit clearing and the number of users which finish settlement and credit clearing.

Optionally, after obtaining the number of enterprises completing the calculation of the limit, the number of enterprises completing the signing and crediting, the number of enterprises completing the supporting loan and the number of enterprises completing the clearing loan, a loan process enterprise dimension funnel graph can be generated. Similarly, after obtaining the number of users who finish measuring and calculating the amount, the number of users who finish signing a contract and crediting, the number of users who finish paying a loan and the number of users who finish clearing a loan, a loan process user dimension funnel graph can be generated. The user portrait module can send the enterprise dimension funnel graph and the user dimension funnel graph to the second terminal, and business personnel can clearly see the conversion rate of each link of the loan through the funnel graphs, so that targeted analysis and improvement can be performed on links with lower conversion rates.

The loan data acquisition method provided by the embodiment of the application provides a detailed description for acquiring user portraits according to current operation data, the user portraits comprise enterprise dimension information and personal dimension information, after the user portraits corresponding to all object IDs are obtained, the user portraits corresponding to all object IDs can be subjected to statistical analysis to obtain the distribution of various indexes, so that business personnel can comprehensively and deeply analyze loan services based on the user portraits corresponding to each object ID, the distribution of various indexes, an enterprise dimension funnel diagram and a user dimension funnel diagram, and further the individual requirements of the loan services brought by user differentiation and user diversification are met.

The frequent path mining module mentioned above may periodically obtain, from the data warehouse, the operation data corresponding to each object ID within a preset time period, and obtain, based on the operation data corresponding to each object ID, the frequent path corresponding to the object ID. The excavation process will be described in detail below. Referring to fig. 4, in an embodiment, S104 specifically includes:

s401, dividing operation data into a plurality of behavior sequences according to the time length between two adjacent operation time stamps.

Optionally, a preset threshold may be set, the time length between two adjacent operation timestamps in the operation data is compared with the preset threshold, and if the time length is less than the preset threshold, the two corresponding operation data are divided into a sequence.

S402, inputting the behavior sequences into the frequent item mining algorithm to obtain the corresponding frequent paths.

The following examples illustrate:

assume that obtaining N operational data from the data store includes: operation data 1, operation data 2, operation data 3, operation data 4, operation data 5, and operation data 6 … …. The operation time stamp included in the operation data 1 is a time stamp 1, the operation time stamp included in the operation data 2 is a time stamp 2, the operation time stamp included in the operation data 3 is a time stamp 3, the operation time stamp included in the operation data 4 is a time stamp 4, the operation time stamp included in the operation data 5 is a time stamp 5, the operation time stamp included in the operation data 6 is a time stamp 6, and the sequence of the time stamps from first to last is as follows: timestamp 1 → timestamp 2 → timestamp 3 → timestamp 4 → timestamp 5 → timestamp 6. Assuming that the time length between the timestamp 1 and the timestamp 2 is less than the preset threshold, the time length between the timestamp 2 and the timestamp 3 is greater than the preset threshold, the time length between the timestamp 3 and the timestamp 4 is less than the preset threshold, the time length between the timestamp 4 and the timestamp 5 is less than the preset threshold, and the time length between the timestamp 5 and the time 6 is less than the preset threshold, as shown in table 3, the operation data 1 and the operation data 2 can be used as a behavior sequence, the operation data 3, the operation data 4, the operation data 5, and the operation data 6 can be used as a behavior sequence, and so on, a plurality of behavior sequences are obtained, the behavior sequences are input into the frequent item mining algorithm, and the frequent item mining algorithm outputs the frequent path.

TABLE 3

The loan data acquisition method provided by the embodiment of the application introduces a detailed process of frequent path mining, and can be used for acquiring frequent paths for all object IDs. The frequent path refers to the habitual continuous operation of the object on the loan APP, and the pages frequently opened by the user can be summarized from the frequent path, so that the advertisement or the content which is interested by the user is put on the pages, and the advertisement conversion rate is improved.

In one embodiment, a loan data acquisition method is provided, as shown in fig. 5, the method comprising:

s501, obtaining current operation data of the object, wherein the current operation data comprises: object ID, current operating component, current operating type, and operating timestamp.

S502, searching a target index corresponding to the current operation data in a custom parameter table, wherein the custom parameter table is used for storing at least one index, and each index comprises: the index ID, the component, the operation type, and indication information indicating whether the index is valid.

S503, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: the real-time overview data, the user representation corresponding to the object ID, and the frequent path corresponding to the object ID.

The implementation processes of S501-S503 can refer to the above embodiments, and are not described herein again.

S504, receiving a data display request triggered by the object on the application program APP, wherein the data display request carries an identifier of data selected by the object.

Optionally, the object may open a data selection page on the application APP, where the data selection page shows an icon of the real-time overview data, an icon of the user portrait, and an icon of the frequent path, and the object may select the data to be viewed on the page and click a display button, where the object clicks the display button, which means that the object triggers a data display request, and the data display request carries an identifier of the data selected by the object.

And S505, acquiring data corresponding to the identification according to the identification of the data selected by the object, and displaying the data on a display screen.

The following examples illustrate:

supposing that the data selection page displays an icon of real-time overview data, an icon of a user portrait and an icon of a frequent path, and the data selection page also displays an enterprise established age interval distribution icon, an enterprise operating state distribution icon, an enterprise scale distribution icon, an enterprise affiliated industry distribution icon, an enterprise property distribution icon, an enterprise quantity icon completing line measurement, an enterprise quantity icon completing sign-up credit granting, an enterprise quantity icon completing branch credit granting, an enterprise quantity icon completing settlement credit granting, a user age interval distribution icon, a user gender distribution icon, a user native region distribution icon, a user quantity icon completing line measurement, a user quantity icon completing sign-up credit granting, a user quantity icon completing branch credit granting and a user quantity icon completing settlement credit granting. Supposing that the object selects a business quantity icon completing the line measurement and calculation, a business quantity icon completing the sign-up credit granting, a business quantity icon completing the branch loan and a business quantity icon completing the settlement loan, and clicks a display button, after the application APP receives a data display request, the application APP retrieves the business quantity completing the line measurement and calculation, the business quantity completing the sign-up credit granting, the business quantity completing the branch loan and the business quantity completing the settlement loan from the stored data, and displays the data on a display screen for the object to view.

According to the loan data acquisition method provided by the embodiment of the application, when a subject wants to view certain data, the subject can select the corresponding data on the application program APP, and the application program APP can display the data.

In the embodiment of the application, the acquisition, storage, use, processing and the like of the data all conform to relevant regulations of laws and regulations.

It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least a part of the steps or stages in other steps.

Based on the same inventive concept, the embodiment of the application also provides a loan data acquisition device for realizing the loan data acquisition method. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme described in the above method, so the specific limitations in one or more embodiments of the loan data acquisition device provided below may refer to the limitations on the loan data acquisition method in the above description, and are not described herein again.

In one embodiment, as shown in fig. 6, there is provided a loan data acquisition apparatus comprising:

an obtaining module 601, configured to obtain current operation data of an object, where the current operation data includes: an object ID, a current operation component, a current operation type and an operation timestamp;

a searching module 602, configured to search a target index corresponding to the current operation data in a custom parameter table, where the custom parameter table is used to store at least one index, and each index includes: the method comprises the steps of identifying an index ID, a component, an operation type and indication information, wherein the indication information is used for indicating whether the index is valid;

the obtaining module 601 is further configured to obtain loan data to be displayed according to the current operation data if the indication information of the target index indicates that the target index is valid, where the loan data includes: real-time overview data, a user portrait corresponding to the object ID, and a frequent path corresponding to the object ID.

Optionally, the search module 602 is specifically configured to:

Optionally, the obtaining module 601 is specifically configured to:

and if the current operation assembly is the first page and the current operation type is browsing, adding 1 to the access amount of the first page, wherein the real-time overview data comprises the access amount of the first page.

Optionally, the obtaining module 601 is specifically configured to:

storing the current operational data in a data repository;

Optionally, the obtaining module 601 is specifically configured to:

Optionally, the user representation includes an enterprise dimension representation and a personal dimension representation, and the enterprise dimension representation includes at least one of the following information: enterprise ID, enterprise establishment period, enterprise operation state, enterprise scale, enterprise property, enterprise affiliated industry, enterprise actual controller ID, enterprise legal representative ID, whether to measure and calculate quota, whether to sign up for credit, whether to support loan and whether to settle loan; the personal dimension portrait comprises at least one of the following information: unique identification, age, sex, native place, activity level, real name authentication, line measurement, credit contract signing, loan payment and loan settlement.

The modules in the loan data acquisition apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute the corresponding behaviors of the modules.

In one embodiment, a computer device is provided, which may be a server, and the internal structure thereof may be as shown in fig. 7. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores a behavior system, a computer program, and a database. The internal memory provides an environment for the behavior system in the nonvolatile storage medium and the operation of the computer program. The database of the computer device is used for storing the operation data of the object on the APP. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a loan data acquisition method.

Those skilled in the art will appreciate that the architecture shown in fig. 7 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.

In one embodiment, a computer device is provided, comprising a memory having a computer program stored therein and a processor that when executing the computer program performs the steps of:

if the indication information of the target index indicates that the target index is effective, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: real-time overview data, a user portrait corresponding to the object ID, and a frequent path corresponding to the object ID.

In one embodiment, the processor, when executing the computer program, further performs the steps of:

In one embodiment, the processor when executing the computer program further performs the steps of:

storing the current operational data in a data repository;

In one embodiment, the user representation includes an enterprise dimension representation and a personal dimension representation, the enterprise dimension representation including at least one of: enterprise ID, enterprise establishment period, enterprise operation state, enterprise scale, enterprise property, enterprise affiliated industry, enterprise actual controller ID, enterprise legal representative ID, whether to measure and calculate quota, whether to sign up for credit, whether to support loan and whether to settle loan; the personal dimension portrait includes at least one of the following information: unique identification, age, sex, native place, activity level, real name authentication, line measurement, credit contract signing, loan payment and loan settlement.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, performs the steps of:

if the indication information of the target index indicates that the target index is valid, obtaining loan data to be displayed according to the current operation data, wherein the loan data comprises: real-time overview data, a user portrait corresponding to the object ID, and a frequent path corresponding to the object ID.

In one embodiment, the computer program when executed by the processor further performs the steps of:

storing the current operational data in a data repository;

In one embodiment, the user representation includes an enterprise dimension representation and a personal dimension representation, the enterprise dimension representation including at least one of: the method comprises the following steps of (1) enterprise ID, enterprise establishment age, enterprise operation state, enterprise scale, enterprise property, enterprise affiliated industry, actual enterprise controller ID, legal enterprise representative ID, whether to measure and calculate quota, whether to sign contract and give credit, whether to support loan and whether to settle loan; the personal dimension portrait comprises at least one of the following information: unique identity, age, sex, native place, activity level, real name authentication, credit measurement, credit contract signing, loan payment and loan settlement.

In one embodiment, a computer program product is provided, comprising a computer program which when executed by a processor performs the steps of:

storing the current operational data in a data repository;

In one embodiment, the user representation includes an enterprise dimension representation and a personal dimension representation, the enterprise dimension representation including at least one of: the method comprises the following steps of (1) enterprise ID, enterprise establishment age, enterprise operation state, enterprise scale, enterprise property, enterprise affiliated industry, actual enterprise controller ID, legal enterprise representative ID, whether to measure and calculate quota, whether to sign contract and give credit, whether to support loan and whether to settle loan; the personal dimension portrait includes at least one of the following information: unique identification, age, sex, native place, activity level, real name authentication, line measurement, credit contract signing, loan payment and loan settlement.

It should be noted that, the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.

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 hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, databases, or other media used in the embodiments provided herein can include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), Magnetic Random Access Memory (MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases referred to in various embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the various embodiments provided herein may be, without limitation, general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, or the like.

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 application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A loan data acquisition method, comprising:

searching a target index corresponding to the current operation data in a custom parameter table, wherein the custom parameter table is used for storing at least one index, and each index comprises: the method comprises the steps of components, operation types and indication information, wherein the indication information is used for indicating whether indexes are effective or not;

2. The method of claim 1, wherein said searching the custom parameter table for the target indicator corresponding to the current operation data comprises:

3. A method according to claim 1 or 2, wherein said obtaining loan data to be presented in dependence on said current operational data comprises:

4. A method according to claim 1 or 2, wherein said obtaining loan data to be presented in dependence on said current operational data comprises:

storing the current operational data in a data repository;

5. The method according to claim 4, wherein the obtaining the frequent path corresponding to the object ID according to the operation data corresponding to the object ID and a frequent item mining algorithm comprises:

dividing the operation data corresponding to the object ID into a plurality of behavior sequences according to the time length between two adjacent operation time stamps;

6. The method of claim 4 or 5, wherein the user representation comprises an enterprise dimension representation and a personal dimension representation, the enterprise dimension representation comprising at least one of: enterprise ID, enterprise establishment period, enterprise operation state, enterprise scale, enterprise property, enterprise affiliated industry, enterprise actual controller ID, enterprise legal representative ID, whether to measure and calculate quota, whether to sign up for credit, whether to support loan and whether to settle loan; the personal dimension portrait comprises at least one of the following information: unique identity, age, sex, native place, activity level, real name authentication, credit measurement, credit contract signing, loan payment and loan settlement.

7. A loan data acquisition apparatus, characterized in that the apparatus comprises:

8. The apparatus of claim 7, wherein the obtaining module is specifically configured to:

9. The apparatus according to claim 7 or 8, wherein the obtaining module is specifically configured to:

storing the current operational data in a data repository;

10. The apparatus of claim 9, wherein the obtaining module is specifically configured to:

11. The apparatus of claim 9, wherein the user representation comprises an enterprise dimension representation and a personal dimension representation, the enterprise dimension representation comprising at least one of: the method comprises the following steps of (1) enterprise ID, enterprise establishment age, enterprise operation state, enterprise scale, enterprise property, enterprise affiliated industry, actual enterprise controller ID, legal enterprise representative ID, whether to measure and calculate quota, whether to sign contract and give credit, whether to support loan and whether to settle loan; the personal dimension portrait includes at least one of the following information: unique identity, age, sex, native place, activity level, real name authentication, credit measurement, credit contract signing, loan payment and loan settlement.

12. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor realizes the steps of the method of any one of claims 1 to 6 when executing the computer program.

13. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.

14. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.