CN114817347A

CN114817347A - Business approval method and device, electronic equipment and storage medium

Info

Publication number: CN114817347A
Application number: CN202210326585.0A
Authority: CN
Inventors: 范戈
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2022-03-30
Filing date: 2022-03-30
Publication date: 2022-07-29

Abstract

The invention discloses a business approval method, a business approval device, electronic equipment and a storage medium, and relates to the technical field of big data intelligent analysis. One embodiment of the method comprises: receiving a service approval request of a user, acquiring a user identifier in the approval request, inquiring corresponding historical transaction information and service information, and matching the historical transaction information and the service information with a preset guest group strategy to obtain a guest group type of the user; responding to the guest group type corresponding to a plurality of guest group identifications, and determining a target guest group identification corresponding to the user; querying a tag identification set associated with the target guest group identification from a database to extract a corresponding tag rule set from a tag pool; and determining a label value set of the user based on the historical transaction information and the service information, and generating and sending an approval result based on the label value set. The implementation method can solve the problems that each user needs to execute the examination and verification of all the expert formulated rules, the examination and approval cost is high, and the efficiency is low.

Description

Business approval method and device, electronic equipment and storage medium

Technical Field

The invention relates to the technical field of big data intelligent analysis, in particular to a business approval method and device, electronic equipment and a storage medium.

Background

In credit business processing, business approval is an important link. By examining and approving the credit application service, the fraudulent user can be eliminated, and the corresponding service limit can be determined for the user. In the prior art, service approval of users is usually performed on line, and auditing of each user applying for credit service is performed in sequence depending on expert formulated rules, but each user needs to perform auditing of all the expert formulated rules, so that the approval cost is high, and the efficiency is low.

Disclosure of Invention

In view of this, embodiments of the present invention provide a method and an apparatus for business approval, an electronic device, and a storage medium, which can solve the problem that each user needs to perform an audit of all expert-made rules, and thus the cost of the approval is high and the efficiency is low.

To achieve the above object, according to an aspect of an embodiment of the present invention, a method for business approval is provided.

The business approval method of the embodiment of the invention comprises the following steps: receiving a service approval request of a user, acquiring a user identifier in the approval request, and inquiring corresponding historical transaction information and service information so as to match the historical transaction information and the service information with a preset customer group strategy to obtain a customer group type of the user; responding to the guest group type corresponding to a plurality of guest group identifications, and calling a preset distribution model to determine a target guest group identification corresponding to the user; querying a tag identification set associated with the target customer group identification from a database to extract a corresponding tag rule set from a tag pool; and calling the label rule set, determining the label value set of the user based on historical transaction information and service information, generating an approval result based on the label value set, and sending the approval result.

In one embodiment, generating approval results based on the set of label values comprises:

judging whether the label value set meets a preset condition or not;

if so, acquiring the asset information of the user to calculate the corresponding business limit of the user so as to generate an approval result; and if not, screening the label values which do not meet the preset conditions to generate an approval result.

In another embodiment, obtaining the asset information of the user to calculate the corresponding service quota of the user includes:

acquiring the asset information of the user to call a preset calculation model, and calculating the pending service amount of the user based on the asset information;

and inquiring the adjustment proportion corresponding to the guest group identification to adjust the pending service amount to obtain the service amount corresponding to the user.

In yet another embodiment, further comprising:

acquiring historical transaction information and historical service information of a historical approval user corresponding to the target guest group identification;

updating a label identification set associated with the target guest group identification, and extracting a corresponding label rule set from a label pool so as to update the approval result of the historical approval user based on the historical transaction information and the historical service information;

calling a preset analysis model to determine an index value of a preset index based on the updated approval result;

and responding to the index value of the preset index meeting a preset threshold value, and storing the updated tag identification set associated with the target guest group identification.

In another embodiment, the invoking a preset allocation model to determine the target guest group identifier corresponding to the user includes:

calling a preset distribution model, acquiring the number of the approval users of each guest group corresponding to the guest group type in a preset time period, and calculating the proportion of the number of the approval users of each guest group;

and comparing the number proportion of the approval users with a preset proportion to determine a target passenger group which does not meet the preset proportion, and determining the identification of the target passenger group as the identification of the target passenger group corresponding to the user.

In yet another embodiment, further comprising:

obtaining a historical approval result corresponding to each passenger group identifier so as to count index values of preset indexes;

and sending an alarm prompt message in response to the index value of the preset index exceeding a preset threshold value.

In another embodiment, the counting of the index value of the preset index includes:

and calling a preset visualization model to visualize the index value of the preset index.

In yet another embodiment, further comprising:

receiving update information, wherein the update information comprises a corresponding relation between updated tag identification and guest group identification;

and updating the tag identification set associated with the guest group identification based on the corresponding relation.

In order to achieve the above object, according to another aspect of the embodiments of the present invention, a business approval apparatus is provided.

The business approval device of the embodiment of the invention comprises: the receiving unit is used for receiving a service approval request of a user, acquiring a user identifier in the approval request, inquiring corresponding historical transaction information and service information, matching the historical transaction information and the service information with a preset customer group strategy, and obtaining the type of the customer group to which the user belongs; the distribution unit is used for responding to the guest group type corresponding to a plurality of guest group identifications and calling a preset distribution model to determine a target guest group identification corresponding to the user; the extracting unit is used for inquiring the tag identification set associated with the target guest group identification from a database so as to extract a corresponding tag rule set from a tag pool; and the examination and approval unit is used for calling the label rule set, determining the label value set of the user based on historical transaction information and service information, and generating an examination and approval result based on the label value set and sending the examination and approval result.

In an embodiment, the approval unit is specifically configured to:

judging whether the label value set meets a preset condition or not;

if so, acquiring the asset information of the user to calculate the service limit corresponding to the user so as to generate an approval result; and if not, screening the label values which do not meet the preset conditions to generate an approval result.

In another embodiment, the approval unit is specifically configured to:

In yet another embodiment, the apparatus further comprises:

the acquisition unit is used for acquiring historical transaction information and historical service information of the historical approval user corresponding to the target customer group identification;

the updating unit is used for updating a label identification set associated with the target guest group identification, extracting a corresponding label rule set from a label pool, and updating the approval result of the historical approval user based on the historical transaction information and the historical service information;

the determining unit is used for calling a preset analysis model so as to determine an index value of a preset index based on the updated approval result;

and the storage unit is used for responding to the condition that the index value of the preset index meets a preset threshold value, and storing the updated tag identification set associated with the target guest group identification.

In another embodiment, the allocation unit is specifically configured to:

In another embodiment, the obtaining unit is further configured to obtain a historical approval result corresponding to each guest group identifier, so as to count an index value of a preset index;

the device further comprises:

and the alarm unit is used for responding to the condition that the index value of the preset index exceeds a preset threshold value and sending an alarm prompt message.

In yet another embodiment, the apparatus further comprises:

and the visualization unit is used for calling a preset visualization model so as to visualize the index value of the preset index.

In yet another embodiment, the receiving unit is further configured to receive update information, where the update information includes a correspondence between updated tag identifiers and guest group identifiers;

and the updating unit is further configured to update the tag identifier set associated with the guest group identifier based on the corresponding relationship.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided an electronic apparatus.

An electronic device of an embodiment of the present invention includes: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize the business approval method provided by the embodiment of the invention.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a computer-readable medium.

A computer-readable medium of an embodiment of the present invention stores thereon a computer program, and the computer program, when executed by a processor, implements a business approval method provided by an embodiment of the present invention.

To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a computer program product.

The computer program product of the embodiment of the invention comprises a computer program, and the program is executed by a processor to realize the business approval method provided by the embodiment of the invention.

One embodiment of the above invention has the following advantages or benefits: in the embodiment of the invention, a guest group matching strategy, a guest group distribution model and a tag pool are established in advance, and the association between the guest group and tags in the tag pool is configured; when the business of the user is approved, the user can be differentially distributed to different customer groups, even if the user belongs to the same customer group type, the user can also be differentially distributed, each customer group corresponds to different labels, and the label rules and the label values corresponding to the labels are different, so that the label values corresponding to the user can be determined when the business is approved, the business approval result is obtained, and the differential approval of different users is realized; and different users' differentiated approval modes do not need to execute the examination and approval of all approval rules by each user, thereby improving the cost and efficiency of approval and improving the accuracy of business approval.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of a main flow of a business approval method according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of another main flow of a business approval method according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of a main flow of a method for updating a guest group associated tag set according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of the main elements of a business approval apparatus according to an embodiment of the present invention;

FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

FIG. 6 is a schematic block diagram of a computer system suitable for use in implementing embodiments of the present invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

The embodiment of the invention provides a business approval method, which can be executed by a business approval system, and as shown in fig. 1, the method comprises the following steps:

s101: and receiving a service approval request of a user, acquiring a user identifier in the approval request, inquiring corresponding historical transaction information and service information, and matching the historical transaction information and the service information with a preset customer group strategy to obtain the type of the customer group to which the user belongs.

The service approval request may be sent when the user applies for a credit service, and may include information of the user, such as a user identifier, and service information of the user applying for the service, such as a service identifier. Therefore, after receiving the service approval request, the service approval system can acquire the user identifier based on the service approval request, and further can inquire corresponding historical transaction information and service information from the database.

The service information may include specific information of the user applying for credit service, such as service application information, application device information, service corresponding price, interest rate, and the like. The historical transaction information may include credit service information applied by the user at historical times, historical transaction information, and the like.

In the embodiment of the invention, as the historical transaction information and the business information of each user have a plurality of differences, the standard of business approval is usually different. In the embodiment of the invention, in order to carry out differentiated service approval on each user, the users subjected to service approval can be grouped first.

It should be noted that, because the service approval standards of users of the same type are generally similar, in the embodiment of the present invention, different guest group types may be preset, and then the guest groups may be further divided based on the specific approval manner of the users of the same guest group type, so in this step, the historical transaction information and the service information may be first matched with a preset guest group policy to obtain the guest group type to which the user belongs, and then the specific guest group corresponding to the user is determined by the allocation model.

Specifically, in this step, the type of the customer group may be determined based on the service type requested by the user for approval in combination with the service type of the historical service of the user, and the service type and the historical service type may be obtained from the historical transaction information and the service information. S102: and responding to the guest group type corresponding to the plurality of guest group identifications, and calling a preset distribution model to determine the target guest group identification corresponding to the user.

Specifically, in the embodiment of the present invention, a preset allocation model may be used, and a specific allocation policy may be configured in the allocation model, so as to group users through the allocation policy. The allocation policy may be set based on a requirement, for example, the allocation policy may be allocated based on a risk level of the user, so the grouping policy may be set based on a risk level dividing policy, for example, if 5 times out of term occur in the historical transaction information of the user, the user may be determined as a guest group with a high risk level, and if not, the user may be determined as a guest group with a low risk level. Thus, after the guest group strategy is matched with the historical transaction information and the service information of the user, the guest group to which the user belongs can be determined, and further, the target guest group identification corresponding to the user can be determined.

It should be noted that, in a scenario where the guest group type corresponds to one guest group identifier, in the embodiment of the present invention, the guest group identifier corresponding to the guest group type may be determined as the target guest group identifier corresponding to the user.

S103: and querying the tag identification set associated with the target guest group identification from the database to extract a corresponding tag rule set from the tag pool.

In the embodiment of the invention, in order to facilitate the business approval of the user, various labels for business approval can be preset, each label corresponds to a label identifier, a label rule, a label meaning and the like, and the label value of each label corresponding to the user can be determined by using the historical transaction information and the business information of the user.

Specifically, the tag may be configured in advance and stored in the tag pool, and the corresponding tag rule may be extracted from the tag pool through the tag identifier. Meanwhile, the incidence relation between each guest group mark and the label mark can be established so as to mark the service approval of the user belonging to the guest group by using the labels. Therefore, in this step, the tag identifier set associated with the target guest group identifier may be queried from the database, and then the corresponding tag rule set may be extracted from the preset tag pool.

It should be noted that each tag identifier may be associated with one or more guest group identifiers, and each guest group identifier may establish a tag identifier set associated therewith. The service approval server can establish the association relationship between each guest group identifier and the label identifier in a pre-configured mode, namely, establish a label identifier set associated with each guest group identifier. In the subsequent service approval process, the tag identifier set associated with the guest group identifier may also be updated, for example, update information may be received, where the update information includes a correspondence between the updated tag identifier and the guest group identifier, and thus, the tag identifier set associated with the guest group identifier may be updated based on the correspondence in the update information, so as to implement timely adjustment of the service approval.

In the embodiment of the invention, the tags can be defined and constructed from different dimensions, for example, the tags can be constructed from dimensions such as user quality, data representation, risk cost and the like. Further dimensions can be divided again to establish more detailed labels, for example, in the user quality dimension, new and old customer labels, net customer labels, intimacy customer labels, and the like can be defined; the data whitehouse dimension can define credit white house labels, complete white house labels and the like; the risk cost dimension may define suspected fraudulent customer tags, risk classification customer tags, overdue customer tags, multi-head customer tags, and the like.

The tag build may also define basic information of the tag such as tag identification, producer of the tag, time, data source, etc. Meanwhile, a label rule needs to be defined, for example, if a new customer label and an old customer label exist, a rule for judging a new user needs to be defined, and a label value is defined to be 0 to represent the old user and 1 to represent the new user, so that the label value of the label rule corresponding to the user can be determined through the label rule.

It should be noted that, in the embodiment of the present invention, corresponding processing measures may also be configured for different tag values, so that service approval may be performed based on the corresponding processing measures that may be taken after the tag value of the user is determined.

S104: and calling a label rule set, determining a label value set of the user based on the historical transaction information and the service information, and generating an approval result based on the label value set and sending the approval result.

The label rule set can include business approval rules of the user, so that the label value of each label rule corresponding to the user is determined based on historical transaction information and business information, and the corresponding label value set can be obtained.

In this step, after the tag set is obtained, whether the user satisfies the condition of the corresponding credit service application, that is, the preset condition, may be checked based on the tag value set. If the label value set meets the preset condition, the service approval result can be determined to be approved; and if the label value set does not meet the preset condition, determining that the service approval result is passed without approval. And when the approval result is that the approval is passed, determining the business limit of the credit for the user, and when the approval result is that the approval is not passed, determining the reason of the failure of the approval for the user.

Specifically, the determining of the credit service limit of the user in this step may be performed to obtain asset information of the user to calculate the service limit corresponding to the user, so as to determine the service limit for the user based on the asset of the user. Further, in the embodiment of the present invention, a corresponding adjustment ratio may be configured for each guest group, for example, a guest group with a high risk level may be configured with an adjustment ratio that reduces the amount. Therefore, in the step, the undetermined service amount of the user can be calculated based on the asset information, and then the undetermined service amount is adjusted according to the adjustment proportion corresponding to the guest group identification, so that the service amount corresponding to the user is obtained.

It should be noted that, with the update or change of the service approval requirement, in the embodiment of the present invention, a label suitable for the service approval of the guest group may be defined and constructed, and before the label is formally used, the service approval effect of the new label may be verified based on the history. Specifically, the following may be performed: acquiring historical transaction information and historical service information of a historical approval user corresponding to the target customer group identification; updating a label identification set associated with the guest group identification, and extracting a corresponding label rule set from a label pool so as to update an approval result of a historical approval user based on historical transaction information and historical service information; calling a preset analysis model to determine an index value of a preset index based on the updated approval result; and storing the label identifier set associated with the updated passenger group identifier in response to the index value of the preset index meeting a preset threshold value.

In this step, the new tag may be verified based on the historical transaction information and the historical service information of the historical approval user corresponding to the target guest group identifier. Updating the tag identification set associated with the guest group identification means adding a new tag to the tag identification set associated with the guest group identification or deleting an original tag in the tag identification set, so that after the associated tag identification set is updated, a corresponding tag rule set can be extracted from a tag pool, and the approval result of the historical approval user can be recalculated through the step, so that the updated tag set is verified based on the updated approval result. The preset index may include an examination and approval passing rate, a sum of examination and approval business limits, and other indexes used for verification, and in this step, an index value of the preset index may be calculated through a pre-trained analysis model. If the index value of the preset index meets the preset threshold value, the updated tag set of the guest group can be determined to meet the requirement of business approval, so that the tag identifier set associated with the updated guest group identifier can be stored for subsequent business approval; if the index value of the preset index meets the preset threshold value, the updated tag set of the guest group can be determined not to meet the requirement of business approval, and therefore the tag identifier set associated with the updated guest group identifier can be adjusted. The preset threshold may be a threshold corresponding to a preset index, and may be set based on a specific scene.

After a tag set associated with a guest group is updated, in order to ensure that the tag set can stably operate, a commissioning procedure can be performed on the updated tag set, that is, the updated tag set and a tag set before updating are operated together for a period of time, and after the guest group is determined to perform service approval stability through the updated tag set, only the updated tag set is kept to be associated with the guest group. When the updated tag set and the tag set before updating operate together, the same guest group type corresponds to multiple guest groups, one of the guest groups associates the tag set before updating, and the other guest group associates the tag set after updating, at this time, after the guest group type of the user is determined through step S101, the guest group allocation may be performed on the user through step S102, and specifically, the following steps may be performed: calling a preset distribution model, acquiring the number of the approval users of each guest group corresponding to the type of the guest group in a preset time period, and calculating the number proportion of the approval users of each guest group; and comparing the number proportion of the approval users with a preset proportion to determine a target passenger group which does not meet the preset proportion, and determining the identification of the target passenger group as the identification of the target passenger group corresponding to the user.

And determining the guest group to which the user belongs, namely the target guest group identification corresponding to the user, based on the preset proportion. The preset ratio may be set based on a scene, for example, taking the guest group type corresponding to two guest group identifiers as an example, the preset ratio is set as guest group 1: and the guest group 2 is 1:2, so when the number ratio of the approved users is counted as guest group 1: guest group 2 ═ 1: 1, if the guest group 2 is determined to be a target guest group that does not satisfy the preset ratio, the guest group 2 may be determined to be a target guest group identifier.

It should be noted that, for the business approval of each customer group, the approval effect can be periodically checked to ensure that the business approval is stably performed. Specifically, in this step, the historical approval result corresponding to each guest group identifier may be obtained to count the index value of the preset index; and sending an alarm prompt message in response to the index value of the preset index exceeding a preset threshold value.

The historical approval result can be an approval result approved by the service in a preset period, so that the index value of the preset index in the preset period can be counted, and whether the index value meets a preset threshold value is judged; if the index value of the preset index meets the preset threshold value, the stability of the service approval can be determined, and no processing can be performed; if the index value of the preset index exceeds the preset threshold value, the business approval is determined to be unstable, and an alarm prompt message is sent to prompt the user to process as soon as possible.

It should be noted that, in the embodiment of the present invention, in order to facilitate monitoring of the business approval effect, a preset visualization model may be called to visualize the index value of the preset index, so that the business approval effect may be observed more intuitively and conveniently.

In the embodiment of the invention, a guest group matching strategy, a guest group distribution model and a tag pool are established in advance, and the association between the guest group and tags in the tag pool is configured; when the business of the user is approved, the user can be differentially distributed to different customer groups, even if the user belongs to the same customer group type, the user can also be differentially distributed, each customer group corresponds to different labels, and the label rules and the label values corresponding to the labels are different, so that the label values corresponding to the user can be determined when the business is approved, the business approval result is obtained, and the differential approval of different users is realized; and different users' differentiated approval modes do not need to execute the examination and approval of all approval rules by each user, thereby improving the cost and efficiency of approval and improving the accuracy of business approval.

The following describes, in detail, a service approval method in an embodiment of the present invention with reference to the embodiment shown in fig. 1, and as shown in fig. 2, the method includes:

s201: and receiving a service approval request of a user, and acquiring a user identifier in the approval request to inquire corresponding historical transaction information and service information.

S202: and matching the historical transaction information and the service information with a preset customer group strategy to obtain the type of the customer group to which the user belongs.

S203: and responding to the guest group type corresponding to a plurality of guest groups, and calling a preset distribution model to determine a target guest group identifier corresponding to the user.

S204: and querying the tag identification set associated with the target guest group identification from the database to extract a corresponding tag rule set from the tag pool.

S205: and judging whether the label value set meets a preset condition or not.

S206: if so, acquiring the asset information of the user to calculate the corresponding business limit of the user so as to generate an approval result.

S207: if not, screening the label values which do not meet the preset conditions to generate an approval result.

It should be noted that the data processing principle in the embodiment of the present invention is the same as the corresponding data processing principle in the embodiment shown in fig. 1, and is not described herein again.

The following describes, in detail, a method for updating a guest group associated tag in an embodiment of the present invention with reference to the embodiment shown in fig. 1, and as shown in fig. 3, the method includes:

s301: and acquiring historical transaction information and historical service information of the historical approval user corresponding to the target customer group identification.

S302: and updating the label identification set associated with the target guest group identification, and extracting a corresponding label rule set from the label pool.

S303: and updating the approval result of the historical approval user based on the historical transaction information and the historical service information.

S304: and calling a preset analysis model to determine an index value of the preset index based on the updated approval result.

S305: and judging that the index value of the preset index meets a preset threshold value.

S306: if yes, storing the label identification set associated with the updated target guest group identification, and triggering the updated label trial operation program.

S307: if not, sending a tag updating failure message.

In the embodiment of the invention, the label set associated with the customer group can be updated in time based on the requirement of business approval, and the label value corresponding to the user can be determined during business approval, so that a business approval result is obtained, differential approval of different users is realized, and the accuracy of business approval is improved.

In order to solve the problems in the prior art, an embodiment of the present invention provides a service approval apparatus 400, as shown in fig. 4, where the apparatus 400 includes:

a receiving unit 401, configured to receive a service approval request of a user, acquire a user identifier in the approval request, so as to query corresponding historical transaction information and service information, match the historical transaction information and the service information with a preset guest group policy, and obtain a guest group type to which the user belongs;

an allocating unit 402, configured to, in response to that the guest group type corresponds to multiple guest group identifiers, invoke a preset allocation model to determine a target guest group identifier corresponding to the user;

an extracting unit 403, configured to query, from a database, a tag identifier set associated with the target guest group identifier, so as to extract a corresponding tag rule set from a tag pool;

an approval unit 404, configured to invoke the tag rule set, determine the tag value set of the user based on the historical transaction information and the service information, generate an approval result based on the tag value set, and send the approval result.

It should be understood that the manner of implementing the embodiment of the present invention is the same as the manner of implementing the embodiment shown in fig. 1, and the description thereof is omitted.

In an embodiment, the approval unit 404 is specifically configured to:

judging whether the label value set meets a preset condition or not;

In another embodiment, the approval unit 404 is specifically configured to:

In yet another embodiment, the apparatus 400 further comprises:

In another embodiment, the allocating unit 402 is specifically configured to:

the apparatus 400 further comprises:

In yet another embodiment, the apparatus 400 further comprises:

In yet another embodiment, the receiving unit 401 is further configured to receive update information, where the update information includes a correspondence between updated tag identifiers and guest group identifiers;

It should be understood that the embodiment of the present invention is implemented in the same manner as the embodiment shown in fig. 1, 2 or 3, and is not repeated herein.

According to an embodiment of the present invention, an electronic device and a readable storage medium are also provided.

The electronic device of the embodiment of the invention comprises: at least one processor; and a memory communicatively coupled to the at least one processor; the memory stores instructions executable by the processor, and the instructions are executed by the at least one processor to cause the at least one processor to execute the business approval method provided by the embodiment of the invention.

Fig. 5 illustrates an exemplary system architecture 500 of a business approval method or a business approval apparatus to which an embodiment of the present invention may be applied.

As shown in fig. 5, the system architecture 500 may include

terminal devices

501, 502, 503, a network 504, and a server 505. The network 504 serves to provide a medium for communication links between the

terminal devices

501, 502, 503 and the server 505. Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

501, 502, 503 to interact with a server 505 over a network 504 to receive or send messages or the like. Various client applications may be installed on the

terminal devices

501, 502, 503.

The

terminal devices

501, 502, 503 may be, but are not limited to, smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 505 may be a server providing various services, and the server may analyze and process data such as a received product information query request, and feed back a processing result (for example, product information — just an example) to the terminal device.

It should be noted that the service approval method provided by the embodiment of the present invention is generally executed by the server 505, and accordingly, the service approval apparatus is generally disposed in the server 505.

It should be understood that the number of terminal devices, networks, and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 6, a block diagram of a computer system 600 suitable for use in implementing embodiments of the present invention is shown. The computer system illustrated in FIG. 6 is only one example and should not impose any limitations on the scope of use or functionality of embodiments of the invention.

As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data necessary for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 601.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

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

The units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a receiving unit, an assigning unit, an extracting unit, and an approving unit. Where the names of these units do not in some cases constitute a limitation of the unit itself, for example, a receiving unit may also be described as a "unit requesting a receiving function".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to perform the business approval method provided by the present invention.

As another aspect, the present invention further provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the business approval method provided in the embodiments of the present invention.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A business approval method is characterized by comprising the following steps:

receiving a service approval request of a user, acquiring a user identifier in the approval request, and inquiring corresponding historical transaction information and service information so as to match the historical transaction information and the service information with a preset customer group strategy to obtain a customer group type of the user;

responding to the guest group type corresponding to a plurality of guest group identifications, and calling a preset distribution model to determine a target guest group identification corresponding to the user;

querying a tag identification set associated with the target customer group identification from a database to extract a corresponding tag rule set from a tag pool;

and calling the label rule set, determining the label value set of the user based on historical transaction information and service information, and generating and sending an approval result based on the label value set.

2. The method of claim 1, wherein generating approval results based on the set of label values comprises:

judging whether the label value set meets a preset condition or not;

3. The method of claim 2, wherein obtaining the asset information of the user to calculate the corresponding service quota of the user comprises:

4. The method of claim 1, further comprising:

5. The method according to claim 1, wherein the invoking a preset allocation model to determine the target guest group identifier corresponding to the user comprises:

6. The method of claim 1, further comprising:

7. The method according to claim 6, wherein the counting of the index values of the preset index comprises:

8. The method of claim 1, further comprising:

9. A business approval apparatus, comprising:

the receiving unit is used for receiving a service approval request of a user, acquiring a user identifier in the approval request, inquiring corresponding historical transaction information and service information, matching the historical transaction information and the service information with a preset customer group strategy, and obtaining the type of the customer group to which the user belongs;

the distribution unit is used for responding to the guest group type corresponding to a plurality of guest group identifications and calling a preset distribution model to determine a target guest group identification corresponding to the user;

the extracting unit is used for inquiring the tag identification set associated with the target guest group identification from a database so as to extract a corresponding tag rule set from a tag pool;

and the examination and approval unit is used for calling the label rule set, determining the label value set of the user based on historical transaction information and service information, and generating an examination and approval result based on the label value set and sending the examination and approval result.

10. The apparatus according to claim 9, wherein the approval unit is specifically configured to:

judging whether the label value set meets a preset condition or not;

11. The apparatus according to claim 10, wherein the approval unit is specifically configured to:

12. The apparatus of claim 9, further comprising:

13. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.

14. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-8.

15. A computer program product comprising a computer program, characterized in that the program realizes the method according to any of claims 1-8 when executed by a processor.