CN114912995A

CN114912995A - Credit report query method and device, computer equipment and storage medium

Info

Publication number: CN114912995A
Application number: CN202210204027.7A
Authority: CN
Inventors: 毕振亚
Original assignee: Ping An Consumer Finance Co Ltd
Current assignee: Ping An Consumer Finance Co Ltd
Priority date: 2022-03-03
Filing date: 2022-03-03
Publication date: 2022-08-16

Abstract

The embodiment of the application belongs to the technical field of artificial intelligence and relates to a credit investigation report query method, a device, computer equipment and a storage medium, wherein the method comprises the steps of obtaining the query success rate of the credit investigation report in a historical time period; the credit investigation report comprises a credit investigation report before credit and a credit investigation report after credit; determining the dequeuing proportion of the pre-loan queue and the post-loan queue; the pre-credit queue is used for caching pre-credit investigation requests, and the post-credit queue is used for caching post-credit investigation requests; the credit application request before credit is used for requesting to inquire a credit application report before credit, and the credit application request after credit is used for requesting to inquire a credit application report after credit; determining a target credit investigation request according to the dequeuing proportion, and putting the target credit investigation request into a query queue; when the inquiry success rate is larger than a first threshold value, sending a target credit investigation request in an inquiry queue according to a first rate; and receiving a credit investigation report corresponding to the target credit investigation request. The method and the device shorten the time for the user to give credit and improve the user experience.

Description

Credit report query method and device, computer equipment and storage medium

Technical Field

The present application relates to the field of artificial intelligence technologies, and in particular, to a method and an apparatus for querying a credit investigation report, a computer device, and a storage medium.

Background

The credit investigation report is a record which is issued by the credit investigation center of the people's bank of China and records the personal credit information and is used for inquiring the social credit of individuals or enterprises. The credit investigation report can be divided into a credit investigation report before credit and a credit investigation report after credit according to the time node. The credit investigation report inquired in the credit investigation stage is usually a credit investigation report before credit loan, and after the credit investigation of the user passes and the loan is successfully supported, the credit investigation report inquired is a credit investigation report after credit loan. The inquiry of the credit report after credit is generally carried out for the management of the credit granting user, so the inquiry of the credit report after credit is not time-efficient.

At present, the inquiry of the credit investigation report is usually to obtain the required credit investigation report by calling the credit investigation interface provided by the credit investigation center of the people's bank in china. However, the credit investigation report query mode does not distinguish the credit investigation report before credit and the credit investigation report after credit, and when the business volume of the credit investigation report query after credit is large, the credit investigation report before credit of the user is affected, so that the credit granting duration of the user is increased, and the user experience is poor.

Disclosure of Invention

The embodiment of the application aims to provide a credit investigation method, a credit investigation device, computer equipment and a storage medium, so as to solve the problem that the credit granting time of a user is increased due to the fact that the business volume of credit investigation after credit investigation is large.

In order to solve the above technical problem, an embodiment of the present application provides a method for querying a credit investigation report, which adopts the following technical solutions:

acquiring the inquiry success rate of a credit investigation report in a historical time period; the credit investigation report comprises a credit investigation report before credit and a credit investigation report after credit; determining the dequeuing proportion of the pre-loan queue and the post-loan queue; the pre-credit queue is used for caching pre-credit investigation requests, and the post-credit queue is used for caching post-credit investigation requests; the credit pre-credit request is used for requesting to inquire a credit pre-credit report, and the credit post-credit request is used for requesting to inquire a credit post-credit report; determining a target credit investigation request according to the dequeuing proportion, and putting the target credit investigation request into a query queue; when the inquiry success rate is larger than a first threshold value, sending a target credit investigation request in the inquiry queue according to a first rate; and receiving a credit investigation report corresponding to the target credit investigation request.

Further, after determining a target credit investigation request according to the dequeuing proportion and placing the target credit investigation request in a query queue, the query method further includes: and when the query success rate is smaller than a second threshold, sending the target credit investigation request in the query queue according to a second rate, wherein the second threshold is smaller than the first threshold, and the second rate is smaller than the first rate.

Further, after sending the target credit investigation requests in the query queue according to the first rate, the query method further includes: and when the credit investigation report corresponding to the target credit investigation request is not received in a preset time period, putting the target credit investigation request into a supplementary processing table, and adding one to the request times corresponding to the target credit investigation request.

Further, before obtaining the query success rate of the credit investigation report in the historical time period, the query method further includes: acquiring a first credit investigation request; the first credit investigation request is a credit investigation request before credit or a credit investigation request after credit; inquiring whether a target credit investigation report exists or not according to the first credit investigation request; the target credit investigation report is credit investigation before credit in a first time period or credit investigation report after credit in a second time period; under the condition that the target credit investigation report does not exist, inquiring whether a target queue is full; the target queue is the pre-loan queue or the post-loan queue; and under the condition that the target queue is not full, the first credit investigation request is put into the target queue.

Further, after querying whether the target queue is full, the querying method further includes: and under the condition that the target queue is full, putting the first credit investigation request into a complementary processing table.

Further, the query method further includes: using a timing task to query the supplementary processing table at regular time to acquire a second credit investigation request; the second credit investigation request is any credit investigation request in the supplementary processing table; determining the number of times of inquiry of the second credit investigation request; when the query times are determined to be smaller than a query threshold value, the second credit investigation request is placed into a target queue; the target queue is the pre-loan queue or the post-loan queue.

Further, after determining the number of times of querying the second credit investigation request, the querying method further includes: when the inquiry times of the second credit investigation request is larger than or equal to the inquiry threshold value, sending a failure message; the failure message is used for indicating that the credit investigation report query corresponding to the second credit investigation request is failed.

In order to solve the above technical problem, an embodiment of the present application further provides an apparatus for querying a credit investigation report, which adopts the following technical solutions:

the inquiry acquisition module is used for acquiring the inquiry success rate of the credit investigation report in the historical time period; the credit report comprises a credit report before credit and a credit report after credit; the first determining module is used for determining the dequeuing proportion of the pre-loan queue and the post-loan queue; the pre-credit queue is used for caching pre-credit investigation requests, and the post-credit queue is used for caching post-credit investigation requests; the credit application request before credit is used for requesting to inquire a credit application report before credit, and the credit application request after credit is used for requesting to inquire a credit application report after credit; the second determining module is used for determining a target credit investigation request according to the dequeuing proportion and putting the target credit investigation request into a query queue; the request sending module is used for sending the target credit investigation request in the inquiry queue according to a first rate when the inquiry success rate is greater than a first threshold; and the report receiving module is used for receiving the credit investigation report corresponding to the target credit investigation request.

Further, the inquiry device for the credit investigation report also comprises a first sending module. The first sending module is configured to send the target credit investigation request in the query queue according to a second rate when the query success rate is smaller than a second threshold, where the second threshold is smaller than the first threshold, and the second rate is smaller than the first rate.

Further, the inquiry device of the credit investigation report also comprises a first processing module. The first processing module is configured to, when a credit investigation report corresponding to the target credit investigation request is not received within a preset time period, put the target credit investigation request into a supplementary processing table, and add one to the number of requests corresponding to the target credit investigation request.

Furthermore, the inquiry device for the credit investigation report further comprises a request acquisition module, a first inquiry module, a second inquiry module and a second processing module. The request acquisition module is used for acquiring a first credit investigation request; the first credit investigation request is a credit investigation request before credit or a credit investigation request after credit; the first inquiry module is used for inquiring whether a target credit investigation report exists according to the first credit investigation request; the target credit investigation report is credit investigation before credit in a first time period or credit investigation report after credit in a second time period; the second query module is configured to query whether a target queue is full or not under the condition that the target credit report does not exist; the target queue is the pre-loan queue or the post-loan queue; the second processing module is configured to place the first credit investigation request into the target queue under the condition that the target queue is not full.

Further, the inquiry device for the credit investigation report further comprises a third processing module. The third processing module is configured to place the first credit investigation request into a complementary processing table when the target queue is full.

Further, the inquiry device for the credit investigation report further comprises a third inquiry module, a third determination module and a fourth processing module. The third query module is used for querying the supplementary processing table at regular time by using a timing task to obtain a second credit investigation request; the second credit investigation request is any credit investigation request in the supplementary processing table; the third determining module is configured to determine the number of times of querying the second credit investigation request; the fourth processing module is configured to place the second credit investigation request in a target queue when it is determined that the number of times of inquiry is smaller than an inquiry threshold; the target queue is the pre-loan queue or the post-loan queue.

Further, the inquiry device for the credit investigation report also comprises a second sending module. The second sending module is configured to send a failure message when the number of times of querying of the second credit investigation request is greater than or equal to the query threshold; the failure message is used for indicating that the credit investigation report query corresponding to the second credit investigation request fails.

In order to solve the technical problem, an embodiment of the present application further provides a computer device, which includes a memory and a processor, where the memory stores a computer program, and the processor implements the steps of the above-mentioned inquiry method for credit investigation when executing the computer program.

In order to solve the above technical problem, an embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and the computer program is executed by a processor to implement the steps of the above inquiry method for credit investigation.

Through the steps, the inquiry success rate of the credit investigation report in the historical time period is obtained, and the dequeuing proportion of the pre-credit queue and the post-credit queue is determined. And then, determining a target credit investigation request according to the dequeuing proportion, and putting the target credit investigation request into an inquiry queue. And when the inquiry success rate is greater than a first threshold value, sending the target credit investigation request in the inquiry queue according to a first rate. And finally, receiving a credit report corresponding to the target credit report request. Therefore, the credit investigation request is divided into a credit investigation request before credit and a credit investigation request after credit, and different dequeue proportions are allocated to the credit investigation request before credit and the credit investigation request after credit, so that the service volume of the credit investigation report query after credit can be controlled by controlling the dequeue proportions of the credit investigation request before credit and the credit investigation request after credit. The method avoids influencing the inquiry of the credit investigation report before credit of the user when the business volume of the credit investigation report inquiry after credit is larger, shortens the time length of credit approval of the user and improves the user experience.

Drawings

In order to more clearly illustrate the solution of the present application, a brief description will be given below of the drawings required for use in the description of the embodiments of the present application, and it is obvious that the drawings in the following description are some embodiments of the present application, and that other drawings can be obtained by those skilled in the art without inventive effort.

FIG. 1 is a query system architecture diagram of an exemplary credit report to which the present application may be applied;

fig. 2 is a flowchart of a first embodiment of a method for querying a credit report according to the present application;

fig. 3 is a flowchart of a second embodiment of a method for querying a credit report according to the present application;

fig. 4 is a flowchart of a third embodiment of a method for inquiring a credit investigation report according to the present application;

fig. 5 is a schematic structural diagram of an embodiment of an inquiry apparatus for credit investigation according to the present application;

FIG. 6 is a schematic block diagram of one embodiment of a computer device according to the present application.

Detailed Description

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description of the application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "including" and "having," and any variations thereof, in the description and claims of this application and the description of the above figures are intended to cover non-exclusive inclusions. The terms "first," "second," and the like in the description and claims of this application or in the above-described drawings are used for distinguishing between different objects and not for describing a particular order.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings.

As shown in fig. 1, the inquiry system architecture 100 of credit reporting may include

terminal devices

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

terminal devices

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

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. Various communication client applications, such as a web browser application, a shopping application, a search application, an instant messaging tool, a mailbox client, social platform software, etc., may be installed on the

terminal devices

101, 102, 103. The

terminal devices

101, 102, and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to a smart phone, a tablet computer, an e-book reader, an MP3 player (Moving Picture experts Group Audio Layer III, motion video experts compression standard Audio Layer 3), an MP4 player (Moving Picture experts Group Audio Layer IV, motion video experts compression standard Audio Layer 4), a laptop computer, a desktop computer, and the like.

For example, the

terminal devices

101, 102, 103 may be a Customer Finance (CF) Risk Management System (RMS) terminal, configured to obtain a credit investigation request, and send the credit investigation request to a Customer Finance (CF) credit investigation management system (CM) to obtain a credit investigation report corresponding to the credit investigation request.

The

terminal devices

101, 102, 103 may also be CF-CM terminals, and are configured to execute the query method for token report in this application. For example, the

terminal devices

101, 102, 103 are configured to obtain a success rate of query of credit investigation reports in a historical time period; determining the dequeuing proportion of the pre-loan queue and the post-loan queue; determining a target credit investigation request according to the dequeuing proportion, and putting the target credit investigation request into an inquiry queue; when the inquiry success rate is larger than a first threshold value, sending a target credit investigation request in an inquiry queue to a server of a credit investigation center according to a first speed; and receiving a credit investigation report corresponding to the target credit investigation request.

The server 105 may be a server providing various services, such as a background server providing support for pages displayed on the

terminal devices

101, 102, 103. For example, the server 105 may be a server of a credit investigation center, and is configured to receive a target credit investigation request sent by a CF-CM terminal, match a corresponding credit investigation report according to the target credit investigation request, and return a credit investigation report corresponding to the target credit investigation request to the CF-CM terminal, so that the CF-CM terminal returns the credit investigation report corresponding to the target credit investigation request to the CF-RMS terminal.

It should be noted that the method for querying a credit investigation report provided in the embodiment of the present application may be applied to the

terminal devices

101, 102, and 103. The

terminal devices

101, 102, 103 may be collectively referred to as electronic devices. That is, the execution subject of the inquiry method of the credit investigation report provided by the embodiment of the present application may be an inquiry device of the credit investigation report, and the inquiry device of the credit investigation report may be the electronic device (e.g.,

terminal devices

101, 102, 103).

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

With continuing reference to fig. 2, a flow diagram of one embodiment of a query method for credit investigation according to the present application is shown. The inquiry method of the credit investigation report comprises the following steps:

and step S21, acquiring the inquiry success rate of the credit investigation report in the historical time period.

The credit investigation report comprises a credit investigation report before credit and a credit investigation report after credit.

Specifically, a query success set and a query failure set are set in a remote dictionary service (redis) database. After each credit investigation request is sent, if the processing is successful (if a credit investigation report is received), adding a piece of data into the successful set, and setting the corresponding score as the current time; if the processing fails (if the credit investigation report is not received within a period of time), adding a piece of data into the failure set, and setting the corresponding score as the current time. In this way, the inquiry success rate of the credit investigation report is calculated according to the number of data in the successful set and the number of data in the failed set in the historical time period. Wherein, the initial value of the inquiry success rate of the credit investigation report is 100%. The historical time period is a preset time period, and may be a default value or a numerical value set by a relevant person according to an actual situation, for example, the historical time period is within the last 10 minutes.

For example, the inquiry success rate of the credit investigation report is calculated according to the number of data pieces in the successful set and the number of data pieces in the failed set in the last 10 minutes, and then the inquiry success rate of the credit investigation report is

Wherein n is used for representing the query success rate of the credit investigation report, a is used for representing the number of data pieces in the successful set in the last 10 minutes, and b is used for representing the number of data pieces in the failed set in the last 10 minutes.

In step S22, the dequeue ratio of the pre-loan queue and the post-loan queue is determined.

The pre-credit queue is used for caching pre-credit solicitation, and the post-credit queue is used for caching post-credit solicitation. The credit application request before credit is used for requesting to inquire the credit application report before credit, and the credit application request after credit is used for requesting to inquire the credit application report after credit. The dequeuing proportion of the pre-loan queue and the post-loan queue is preset, and can be a default proportion or a proportion set by related personnel according to actual conditions.

For example, the credit report before credit is usually inquired preferentially, so the dequeue ratio of the queue before credit and the queue after credit can be configured to be 10:1, that is, after 10 credit reports before credit are inquired, 1 credit report after credit is inquired, 10 credit reports before credit are inquired, and so on. When special requirements such as opening door red day and closing inquiry of post-credit report are met, the dequeue ratio of the pre-credit queue and the post-credit queue can be set to 10:0 to close inquiry of post-credit report temporarily so as to control influence of post-credit inquiry on pre-credit inquiry.

And step S23, determining a target credit investigation request according to the dequeuing proportion, and putting the target credit investigation request into the query queue.

Specifically, the target credit investigation request which needs to be inquired at this time is determined according to the inquiry condition and the dequeuing proportion of the credit investigation report. For example, the dequeue ratio between the pre-loan queue and the post-loan queue is 10:1, and if the previous 10 inquires are credit investigation reports corresponding to credit investigation requests in the pre-credit queue, determining that the target credit investigation request is the credit investigation request in the post-credit queue.

Since the query speed in the html format in the credit investigation system is about 2-3 seconds each time, the sending rate of the target credit investigation request is set in units of seconds, and the format is n times/m seconds (namely n times of credit investigation requests are sent every m seconds). According to this configuration, it is necessary to take one credit request (i.e., a target credit request) from the pre-credit queue or the post-credit queue into the query queue every 1000m/n msec.

And step S24, when the inquiry success rate is larger than the first threshold, the target credit investigation request in the inquiry queue is sent according to the first rate.

The first threshold and the first rate are both preset values, and may be default values or values set by related personnel according to actual conditions. For example, if the first threshold is 80% and the first rate is n times/m seconds, when the query success rate is greater than 80%, the target token request in the query queue is sent at a speed of n times/m seconds.

Optionally, when the query success rate is smaller than a second threshold, the target credit investigation request in the query queue is sent according to a second rate, where the second threshold is smaller than the first threshold, and the second rate is smaller than the first rate.

The second threshold and the second rate are both preset values, and may be default values or values set by relevant personnel according to actual conditions. For example, the second threshold is 20%, the second rate is 1 time/2 second, and when the query success rate is less than 20%, the target credit standing request in the query queue is sent according to the speed of 1 time/2 second.

Thus, when the query success rate is greater than the first threshold, the target credit investigation requests in the query queue are sent according to the first rate, and when the query success rate is reduced to be less than the second threshold, the target credit investigation requests in the query queue are sent according to the second rate.

And when the query success rate is reduced to be less than a second threshold value, sending the target credit investigation requests in the query queue according to the second rate, and recovering the first rate to send the target credit investigation requests in the query queue until the query success rate is increased to be greater than the first threshold value.

In the embodiment of the application, when the query success rate is less than the second threshold, the target credit investigation request is sent according to the first rate, that is, when the query success rate of the credit investigation report is low, the query rate can be automatically adjusted, so as to avoid a large amount of abnormal query data.

Optionally, when the credit investigation report corresponding to the target credit investigation request is not received within the preset time period, the target credit investigation request is put into the supplementary processing table, and the number of times of the request corresponding to the target credit investigation request is increased by one. The supplementary processing table comprises at least one credit investigation request and the number of requests corresponding to each credit investigation request in the at least one credit investigation request, and the initial value of the number of requests corresponding to the credit investigation request is 0.

In the embodiment of the application, if the credit investigation report corresponding to the target credit investigation request is not received within the preset time period, the target credit investigation request is put into the supplementary processing table, so that the credit investigation request in the supplementary processing table can be reprocessed subsequently. The condition that manual intervention processing is needed because the credit investigation report corresponding to the credit investigation request is directly judged to be failed when the credit investigation report corresponding to the credit investigation request is not received only once is avoided, the labor cost is saved, and the fault tolerance of the system is improved.

In step S25, a credit investigation report corresponding to the target credit investigation request is received.

In the embodiment of the application, the query success rate of the credit investigation report in the historical time period is obtained, and the dequeuing proportion of the pre-credit queue and the post-credit queue is determined. And then, determining a target credit investigation request according to the dequeuing proportion, and putting the target credit investigation request into an inquiry queue. And when the inquiry success rate is greater than a first threshold value, sending a target credit investigation request in the inquiry queue according to a first rate. And finally, receiving a credit investigation report corresponding to the target credit investigation request. Therefore, the credit investigation request is divided into a credit investigation request before credit and a credit investigation request after credit, and different dequeue proportions are allocated to the credit investigation request before credit and the credit investigation request after credit, so that the service volume of the credit investigation report after credit can be controlled by controlling the dequeue proportions of the credit investigation request before credit and the credit investigation request after credit. The method and the device avoid influencing the pre-credit investigation report query of the user when the business volume of the post-credit investigation report query is larger, shorten the credit granting time of the user and improve the user experience.

Optionally, fig. 3 is a method for acquiring a target queue according to the present application. Wherein the target queue is a pre-loan queue or a post-loan queue. Referring to fig. 3, the method includes steps S31 to S34 as follows.

In step S31, a first credit investigation request is obtained.

The first credit investigation request is a credit investigation request before credit or a credit investigation request after credit.

Step S32, it is queried whether a target credit report exists according to the first credit request.

The target credit investigation report is credit before credit in the first time period or credit after credit investigation in the second time period. The first time period and the second time period are both preset time periods, and may be default values or numerical values set by relevant personnel according to actual situations, for example, the first time period is within the last 30 days, and the second time period is within the last 90 days.

In step S33, when the target credit report does not exist, it is checked whether the target queue is full.

Wherein the target queue is a pre-loan queue or a post-loan queue.

Specifically, when the first credit investigation request is a credit investigation request before credit, the target queue is a credit investigation queue before credit. When the first credit investigation request is a credit investigation request after credit, the target queue is a credit investigation queue after credit.

Optionally, when the target credit investigation report exists, the target credit investigation report is determined to be the credit investigation report corresponding to the first credit investigation request.

In step S34, when the target queue is not full, the first credit investigation request is placed in the target queue.

Specifically, when the first credit investigation request is a credit investigation request before credit, the first credit investigation request is put into a credit investigation queue before credit. And when the first credit investigation request is a credit investigation request after credit, putting the first credit investigation request into a credit investigation queue after credit.

In the embodiment of the application, whether the credit investigation report which is inquired recently exists is judged according to the credit investigation request, and when the credit investigation report which is inquired recently does not exist, the credit investigation request is put into the pre-credit queue or the post-credit queue, so that the credit investigation request in the pre-credit queue or the post-credit queue is put into the inquiry queue for inquiring the credit investigation report according to the dequeue proportion. The time length of the user credit granting can be shortened, and the user experience is improved.

Optionally, the first credit investigation request is placed in the complementary processing table when the target queue is full.

In the embodiment of the application, the first credit investigation request is put into the supplementary processing table under the condition that the target queue is full. The condition that manual intervention processing is needed due to the fact that excessive credit investigation requests are received and the credit investigation requests are lost is avoided, and labor cost is saved.

Optionally, fig. 4 is another method for acquiring a target queue provided by the present application. Wherein the target queue is a pre-loan queue or a post-loan queue. Referring to fig. 4, the method includes the following step S41-step S43.

And step S41, using the timing task to periodically query the supplementary processing table to obtain a second credit investigation request.

The second credit investigation request is any credit investigation request in the supplementary processing form, and the second credit investigation request is a credit investigation request before credit or a credit investigation request after credit. The timing duration of the timing task is a preset duration, and may be a default value or a numerical value set by a related person according to an actual situation, for example, the timing duration of the timing task is 1 minute.

In step S42, the number of times of inquiry of the second credit investigation request is determined.

Specifically, when the second credit investigation request is acquired in the supplementary processing table, the number of times of inquiry corresponding to the second credit investigation request is determined in the supplementary processing table.

And step S43, when the query times are determined to be less than the query threshold, the second credit investigation request is put into the target queue.

Wherein the target queue is a pre-loan queue or a post-loan queue.

Specifically, when the second credit investigation request is a credit investigation request before credit, the second credit investigation request is put into a credit investigation queue before credit. And when the second credit investigation request is a credit investigation request after credit, putting the second credit investigation request into a credit investigation queue after credit.

In the embodiment of the application, the credit investigation request in the complementary processing table is processed by using the timing task, so that the situations that the credit investigation request is lost and needs manual intervention processing are avoided, and the labor cost is saved.

Optionally, when the number of times of querying the second credit investigation request is greater than or equal to the query threshold, the failure message is sent. The failure message is used for indicating that the credit investigation report query corresponding to the second credit investigation request fails.

In the embodiment of the application, the failure message is returned for the credit investigation request with the processing times larger than or equal to the query threshold, so that the problem that the credit investigation request with problems is always in a cycle of query and query failure and cannot exit is avoided, and the availability of the system is improved.

The embodiment of the application can acquire and process related data based on an artificial intelligence technology. Among them, Artificial Intelligence (AI) is a theory, method, technique and application system that simulates, extends and expands human Intelligence using a digital computer or a machine controlled by a digital computer, senses the environment, acquires knowledge and uses the knowledge to obtain the best result.

The artificial intelligence infrastructure generally includes technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technologies, operation/interaction systems, mechatronics, and the like. The artificial intelligence software technology mainly comprises a computer vision technology, a robot technology, a biological recognition technology, a voice processing technology, a natural language processing technology, machine learning/deep learning and the like.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).

It should be understood that, although the steps in the flowcharts of the figures are shown in sequence as indicated by the arrows, the steps are not necessarily performed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or in turns with other steps or at least a portion of the sub-steps or stages of other steps.

With further reference to fig. 5, as an implementation of the method shown in fig. 2, the present application provides an embodiment of an apparatus for querying an credit report, where the embodiment of the apparatus corresponds to the embodiment of the method shown in fig. 2, and the apparatus may be applied to various electronic devices.

As shown in fig. 5, the inquiry apparatus 50 for credit investigation report of the present embodiment includes: a query obtaining module 51, a first determining module 52, a second determining module 53, a request sending module 54 and a report receiving module 55, wherein:

the query acquisition module 51 is configured to acquire a query success rate of the credit investigation report in the historical time period; the credit investigation report comprises a credit investigation report before credit and a credit investigation report after credit; a first determining module 52, configured to determine a dequeue ratio of the pre-loan queue and the post-loan queue; the pre-credit queue is used for caching pre-credit investigation requests, and the post-credit queue is used for caching post-credit investigation requests; the credit application request before credit is used for requesting to inquire a credit application report before credit, and the credit application request after credit is used for requesting to inquire a credit application report after credit; the second determining module 53 is configured to determine a target credit investigation request according to the dequeuing ratio, and place the target credit investigation request in an inquiry queue; a request sending module 54, configured to send the target credit investigation request in the query queue according to a first rate when the query success rate is greater than a first threshold; a report receiving module 55, configured to receive a credit report corresponding to the target credit investigation request.

In the embodiment of the application, credit investigation requests are divided into pre-credit investigation requests and post-credit investigation requests, different dequeue ratios are allocated to the pre-credit investigation requests and the post-credit investigation requests, and the service volume of post-credit investigation report inquiry can be controlled by controlling the dequeue ratios of the pre-credit investigation requests and the post-credit investigation requests. The method and the device avoid influencing the pre-credit investigation report query of the user when the business volume of the post-credit investigation report query is larger, shorten the credit granting time of the user and improve the user experience.

In some optional implementations of this embodiment, the inquiry apparatus for the credit investigation report further includes a first sending module. The first sending module is configured to send the target credit investigation request in the inquiry queue according to a second rate when the inquiry success rate is smaller than a second threshold, where the second threshold is smaller than the first threshold, and the second rate is smaller than the first rate.

In some optional implementations of this embodiment, the inquiry apparatus for the credit investigation report further includes a first processing module. The first processing module is configured to, when a credit investigation report corresponding to the target credit investigation request is not received within a preset time period, put the target credit investigation request into a supplementary processing table, and add one to the number of requests corresponding to the target credit investigation request.

In some optional implementation manners of this embodiment, the inquiry apparatus for the credit investigation report further includes a request obtaining module, a first inquiry module, a second inquiry module, and a second processing module. The request acquisition module is used for acquiring a first credit investigation request; the first credit investigation request is a credit investigation request before credit or a credit investigation request after credit; the first inquiry module is used for inquiring whether a target credit investigation report exists according to the first credit investigation request; the target credit investigation report is credit investigation before credit in a first time period or credit investigation report after credit in a second time period; the second query module is used for querying whether the target queue is full under the condition that the target credit investigation report does not exist; the target queue is the pre-loan queue or the post-loan queue; the second processing module is configured to place the first credit investigation request into the target queue under the condition that the target queue is not full.

In some optional implementations of this embodiment, the inquiry apparatus for the credit investigation report further includes a third processing module. And the third processing module is used for placing the first credit investigation request into a supplementary processing table under the condition that the target queue is full.

In some optional implementations of this embodiment, the inquiry apparatus for the credit investigation report further includes a third inquiry module, a third determination module, and a fourth processing module. The third query module is used for querying the supplementary processing table at regular time by using a timing task to obtain a second credit investigation request; the second credit investigation request is any credit investigation request in the supplementary processing table; the third determining module is configured to determine the number of times of querying the second credit investigation request; the fourth processing module is configured to place the second credit investigation request into a target queue when it is determined that the number of times of inquiry is smaller than an inquiry threshold; the target queue is the pre-loan queue or the post-loan queue.

In some optional implementations of this embodiment, the inquiry apparatus for the credit investigation report further includes a second sending module. The second sending module is configured to send a failure message when the number of times of querying of the second credit investigation request is greater than or equal to the query threshold; the failure message is used for indicating that the credit investigation report query corresponding to the second credit investigation request fails.

With regard to the inquiring apparatus for credit investigation report in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method shown in fig. 2, and will not be elaborated here.

In order to solve the above technical problem, an embodiment of the present application further provides a computer device, where the computer device may be an inquiry apparatus for a credit investigation report. Referring to fig. 6, fig. 6 is a block diagram of a basic structure of a computer device according to the present embodiment.

The computer device 60 includes a memory 61, a processor 62, and a network interface 63 communicatively connected to each other via a system bus. It is noted that only a computer device 60 having components 61-63 is shown, but it is understood that not all of the shown components are required and that more or fewer components may alternatively be implemented. As will be understood by those skilled in the art, the computer device is a device capable of automatically performing numerical calculation and/or information processing according to a preset or stored instruction, and the hardware includes, but is not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like.

The computer device can be a desktop computer, a notebook, a palm computer, a cloud server and other computing devices. The computer equipment can carry out man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch panel or voice control equipment and the like.

The memory 61 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the storage 61 may be an internal storage unit of the computer device 60, such as a hard disk or a memory of the computer device 60. In other embodiments, the memory 61 may also be an external storage device of the computer device 60, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, provided on the computer device 60. Of course, the memory 61 may also include both an internal storage unit and an external storage device of the computer device 60. In this embodiment, the memory 61 is generally used for storing an operating system and various kinds of application software installed on the computer device 60, such as computer readable instructions of a query method of a credit report. Further, the memory 61 may also be used to temporarily store various types of data that have been output or are to be output.

The processor 62 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 62 is typically used to control the overall operation of the computer device 60. In this embodiment, the processor 62 is configured to execute computer readable instructions stored in the memory 61 or computer readable instructions for processing data, such as executing the inquiry method of the credit report.

The network interface 63 may include a wireless network interface or a wired network interface, and the network interface 63 is generally used to establish a communication connection between the computer device 60 and other electronic devices.

The computer device provided in this embodiment may perform the steps of the method for querying the corresponding credit report in fig. 2.

In this embodiment, the credit investigation request is divided into a credit investigation request before credit and a credit investigation request after credit, and different dequeue ratios are allocated to the credit investigation request before credit and the credit investigation request after credit, that is, the service volume of the credit investigation report query after credit can be controlled by controlling the dequeue ratios of the credit investigation request before credit and the credit investigation request after credit. The method and the device avoid influencing the pre-credit investigation report query of the user when the business volume of the post-credit investigation report query is larger, shorten the credit granting time of the user and improve the user experience. In addition, when the inquiry success rate is smaller than the first threshold value, the target credit investigation request is sent according to the first rate, namely, when the inquiry success rate of the credit investigation report is smaller, the inquiry rate can be automatically adjusted so as to avoid a large amount of abnormal inquiry data.

The present application further provides another implementation manner, which is to provide a computer-readable storage medium storing computer-readable instructions, which are executable by at least one processor, so as to cause the at least one processor to execute the steps of the method for querying a credit report according to any one of the embodiments in fig. 2 to fig. 5.

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better embodiment. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present application.

It is to be understood that the above-described embodiments are merely illustrative of some, but not restrictive, of the broad invention, and that the appended drawings illustrate preferred embodiments of the invention and do not limit the scope of the invention. This application is capable of embodiments in many different forms and is provided for the purpose of enabling a thorough understanding of the disclosure of the application. Although the present application has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that the present application may be practiced without these specific details or with equivalents of some of the features described in the foregoing embodiments. All equivalent structures made by using the contents of the specification and the drawings of the present application are directly or indirectly applied to other related technical fields and are within the protection scope of the present application.

Claims

1. A method for inquiring a credit investigation report is characterized by comprising the following steps:

acquiring the inquiry success rate of a credit investigation report in a historical time period; the credit investigation report comprises a credit investigation report before credit and a credit investigation report after credit;

determining the dequeuing proportion of the pre-loan queue and the post-loan queue; the pre-credit queue is used for caching pre-credit investigation requests, and the post-credit queue is used for caching post-credit investigation requests; the credit application request before credit is used for requesting to inquire a credit application report before credit, and the credit application request after credit is used for requesting to inquire a credit application report after credit;

determining a target credit investigation request according to the dequeuing proportion, and putting the target credit investigation request into a query queue;

when the inquiry success rate is larger than a first threshold value, sending a target credit investigation request in the inquiry queue according to a first rate;

and receiving a credit investigation report corresponding to the target credit investigation request.

2. The query method according to claim 1, wherein after determining a target credit investigation request according to the dequeuing ratio and placing the target credit investigation request in a query queue, the query method further comprises:

and when the query success rate is smaller than a second threshold, sending the target credit investigation request in the query queue according to a second rate, wherein the second threshold is smaller than the first threshold, and the second rate is smaller than the first rate.

3. The method of claim 1, wherein after sending the target credit solicitation in the query queue at the first rate, the method further comprises:

and when the credit investigation report corresponding to the target credit investigation request is not received in a preset time period, putting the target credit investigation request into a supplementary processing table, and adding one to the request times corresponding to the target credit investigation request.

4. The query method according to claim 1, wherein before obtaining the query success rate of the credit investigation report in the historical time period, the query method further comprises:

acquiring a first credit investigation request; the first credit investigation request is a credit investigation request before credit or a credit investigation request after credit;

inquiring whether a target credit investigation report exists according to the first credit investigation request; the target credit investigation report is credit investigation before credit in a first time period or credit investigation report after credit in a second time period;

under the condition that the target credit investigation report does not exist, inquiring whether a target queue is full; the target queue is the pre-loan queue or the post-loan queue;

and under the condition that the target queue is not full, the first credit investigation request is put into the target queue.

5. The method of claim 4, wherein after querying whether the target queue is full, the method further comprises:

and under the condition that the target queue is full, putting the first credit investigation request into a complementary processing table.

6. The query method according to claim 3 or 5, wherein the query method further comprises:

using a timing task to query the supplementary processing table at regular time to acquire a second credit investigation request; the second credit investigation request is any credit investigation request in the supplementary processing table;

determining the number of times of inquiry of the second credit investigation request;

when the query times are determined to be smaller than a query threshold value, the second credit investigation request is placed into a target queue; the target queue is the pre-loan queue or the post-loan queue.

7. The query method according to claim 6, wherein after determining the number of queries of the second credit investigation request, the query method further comprises:

when the query frequency of the second credit investigation request is greater than or equal to the query threshold, sending a failure message; the failure message is used for indicating that the credit investigation report query corresponding to the second credit investigation request fails.

8. An apparatus for inquiring a credit report, comprising:

the inquiry acquisition module is used for acquiring the inquiry success rate of the credit investigation report in the historical time period; the credit investigation report comprises a credit investigation report before credit and a credit investigation report after credit;

the first determining module is used for determining the dequeuing proportion of the pre-loan queue and the post-loan queue; the pre-credit queue is used for caching pre-credit investigation requests, and the post-credit queue is used for caching post-credit investigation requests; the credit application request before credit is used for requesting to inquire a credit application report before credit, and the credit application request after credit is used for requesting to inquire a credit application report after credit;

the second determining module is used for determining a target credit investigation request according to the dequeuing proportion and putting the target credit investigation request into a query queue;

the request sending module is used for sending the target credit investigation request in the inquiry queue according to a first rate when the inquiry success rate is greater than a first threshold value;

and the report receiving module is used for receiving the credit investigation report corresponding to the target credit investigation request.

9. A computer device comprising a memory having computer readable instructions stored therein and a processor that when executed performs the steps of the method of querying for credit reports of any one of claims 1 to 7.

10. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon computer readable instructions, which when executed by a processor, implement the steps of the method for querying a credit report according to any one of claims 1 to 7.