CN116485514A - Wind control processing method and device, electronic equipment and computer readable storage medium - Google Patents
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Abstract
The application provides a wind control processing method, a wind control processing device, electronic equipment and a computer readable storage medium, and belongs to the technical field of financial wind control. The method comprises the following steps: acquiring a credit chain according to the credit chain number; executing a credit chain according to the interface parameters of the third party manufacturer to obtain manufacturer credit feedback data corresponding to the third party manufacturer; assembling manufacturer credit feedback data to obtain an input item, and storing the input item into a database; acquiring a corresponding target input item from at least one input item of a database according to a user action request; and calling a risk decision interface according to the target input item to obtain a wind control result. According to the method, the execution of the credit chain is finished in advance in an asynchronous advance calling mode, the assembled input items are stored in the database, the corresponding target input items are obtained from the database based on the user action request, and then the wind control decision is executed to obtain the wind control result, so that the performance is saved, the time consumption is reduced, and the wind control response speed is improved.
Description
Technical Field
The present disclosure relates to the field of financial wind control technologies, and in particular, to a wind control processing method, a wind control processing device, an electronic device, and a computer readable storage medium.
Background
At present, when the bank wind control field has the operations of opening an account, opening a card, admitting personal information and the like, no accurate early warning system exists, so that when the operations of opening an account, opening a card, admitting personal information and the like are performed, wind control is not performed for customer behaviors. On the technical implementation level, when the bank currently has risk control, the approval process of a frame is required to be carried out, each operation cannot be avoided in the frame, the whole approval process consumes long time, and good user experience cannot be achieved for operations requiring high real-time performance such as account opening and personal information admittance operation.
Disclosure of Invention
In order to solve the technical problems, embodiments of the present application provide a wind control processing method, a device, an electronic apparatus, and a computer readable storage medium.
In a first aspect, an embodiment of the present application provides a wind control processing method, where the method includes:
acquiring a tariff chain according to a tariff chain number, wherein the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered;
executing the credit-worthiness chain according to interface parameters of a third party manufacturer to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit-worthiness feedback data comprise key credit-worthiness fields;
assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class;
acquiring a corresponding target input item from at least one input item of the database according to a user action request;
and calling a risk decision interface according to the target input item to obtain a wind control result.
In an embodiment, the executing the credit chain according to the interface parameters of the third party manufacturer to obtain manufacturer credit feedback data corresponding to the third party manufacturer includes:
determining a parameter format according to the interface parameters of the third party manufacturer;
acquiring corresponding target credit information data according to the interface parameters and the credit information chain;
and assembling the target credit information data into the manufacturer credit information feedback data according to the parameter format.
In one embodiment, the assembling the vendor credit feedback data to obtain an input item includes:
determining the major class of the input item to be marked and the minor class of the input item to be marked, which correspond to the third party manufacturer;
determining an input item major class key value corresponding to the input item major class to be marked and an input item minor class key value corresponding to the input item minor class to be marked according to the manufacturer credit feedback data;
and generating the input item according to the input item major class to be marked, the input item minor class to be marked, the input item major class key value and the input item minor class key value.
In one embodiment, the subclass of input items to be tagged includes a consumption score, and the vendor credit feedback data includes savings revenue and consumption data;
determining the input item subclass key value corresponding to the input item subclass to be marked according to the manufacturer credit feedback data, wherein the method comprises the following steps:
and determining the difference value of the deposit income and the consumption data as an input item subclass key value corresponding to the consumption score.
In an embodiment, the user action request includes a client number, and the obtaining, according to the user action request, a corresponding target input item from at least one input item in the database includes:
determining a target execution action corresponding to the client number according to a pre-acquired configuration relation;
and determining the target input item corresponding to the target execution action from at least one input item of the database.
In an embodiment, the calling the risk decision interface according to the target input item to obtain the wind control result includes:
acquiring the parameter entering type of the risk decision interface;
determining basic parameter entering data according to the parameter entering type;
inputting the basic parameter entering data and the target input item into the risk decision interface, and returning the wind control result through the risk decision interface.
In an embodiment, the executing the credit chain according to the interface parameters of the third party manufacturer to obtain manufacturer credit feedback data corresponding to the third party manufacturer includes:
determining the credit ordering of the credit chain;
and executing corresponding credit worthiness in parallel or in series according to the interface parameters of the third-party manufacturer and the credit worthiness sequencing to obtain manufacturer credit worthiness feedback data.
In a second aspect, embodiments of the present application provide a wind-controlled processing system, the wind-controlled processing system including:
the first acquisition module is used for acquiring a tariff chain according to a tariff chain number, wherein the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered;
the execution module is used for executing the credit chain according to the interface parameters of the third party manufacturer to obtain manufacturer credit feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit feedback data comprise key credit fields;
the assembly module is used for assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class;
the second acquisition module is used for acquiring a corresponding target input item from at least one input item of the database according to a user action request;
and the calling module is used for calling a risk decision interface according to the target input item to obtain a wind control result.
In a third aspect, an embodiment of the present application provides an electronic device, including a memory and a processor, where the memory is configured to store a computer program, and the computer program executes the wind control processing method provided in the first aspect when the processor runs.
In a fourth aspect, embodiments of the present application provide a computer readable storage medium storing a computer program that when run on a processor performs the wind control processing method provided in the first aspect.
The wind control processing method, the system, the electronic equipment and the computer readable storage medium provided by the application acquire the information source chain according to the information source chain number, wherein the information source chain number is obtained according to the product number, the channel number and the stage number, and the information source chain comprises a plurality of ordered information source signals; executing the credit-worthiness chain according to interface parameters of a third party manufacturer to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit-worthiness feedback data comprise key credit-worthiness fields; assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class; acquiring a corresponding target input item from at least one input item of the database according to a user action request; and calling a risk decision interface according to the target input item to obtain a wind control result. The execution of the tariff chain is finished in advance in an asynchronous call-ahead mode, serial and parallel execution can be selected according to the length of the tariff chain, the assembled input items are stored in a database, when the wind control result is obtained, the corresponding input items are obtained from the database based on a user action request, then the wind control decision is executed to obtain the wind control result, the performance is saved, the time consumption is shortened, the wind control response speed is improved, and the experience of the user banking operation is improved.
Drawings
In order to more clearly illustrate the technical solutions of the present application, the drawings that are required for the embodiments will be briefly described, it being understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope of protection of the present application. Like elements are numbered alike in the various figures.
Fig. 1 shows a schematic flow chart of a wind control processing method according to an embodiment of the present application;
fig. 2 is another schematic flow chart of a wind control processing method according to an embodiment of the present application;
fig. 3 is another schematic flow chart of the wind control processing method according to the embodiment of the present application;
fig. 4 is another schematic flow chart of the wind control processing method according to the embodiment of the present application;
FIG. 5 is a schematic diagram of a wind control system according to an embodiment of the present disclosure;
fig. 6 shows a schematic structural diagram of an electronic device according to an embodiment of the present application.
Icon: 500-wind control processing system, 501-first acquisition module, 502-execution module, 503-assembly module, 504-second acquisition module, 505-call module, 600-electronic device, 601-transceiver, 602-processor, 603-memory.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments.
The components of the embodiments of the present application, which are generally described and illustrated in the figures herein, may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, as provided in the accompanying drawings, is not intended to limit the scope of the application, as claimed, but is merely representative of selected embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, are intended to be within the scope of the present application.
In the following, the terms "comprises", "comprising", "having" and their cognate terms may be used in various embodiments of the present application are intended only to refer to a particular feature, number, step, operation, element, component, or combination of the foregoing, and should not be interpreted as first excluding the existence of or increasing the likelihood of one or more other features, numbers, steps, operations, elements, components, or combinations of the foregoing.
Furthermore, the terms "first," "second," "third," and the like are used merely to distinguish between descriptions and should not be construed as indicating or implying relative importance.
Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which various embodiments of this application belong. The terms (such as those defined in commonly used dictionaries) will be interpreted as having a meaning that is identical to the meaning of the context in the relevant art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein in connection with the various embodiments.
Example 1
The embodiment of the application provides a wind control processing method.
Referring to fig. 1, the wind control processing method includes steps S101 to S105, and each step is described below.
Step S101, acquiring a tariff chain according to a tariff chain number, wherein the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered.
In this embodiment, the wind control processing method may be applied to a wind control processing system of a bank, where the wind control processing system is in communication connection with service platforms of different third party vendors and may perform data transmission, where the wind control processing system generates corresponding to service processing matters of different third party vendors, where each of the corresponding to-be-processed cases includes a product number (product code), a channel number (partnertCode), and a phase number (phasenode), and obtains a tariff number (compNo) based on the product number (product code), the channel number (partnertCode), and the phase number (phasenode), where the tariff number is a unique identifier, for example, productCode, partnertCode, phaseNo is spliced in turn to obtain a unique tariff number (compNo). Further, acquiring the tariff chain data from the tariff database according to the tariff chain number (compNo).
It should be noted that, the tariff chain may be understood as a chain formed by sequentially ordering a plurality of tariffs, for example, there are A, B, C, D four tariffs, and the distributed index ordering configuration is a index 1,B index 2,C index 3,D index 4, and then A, B, C, D four tariffs are sequentially ordered to form a tariff chain. The tariff chain data may be understood as data corresponding to each tariff of a tariff chain.
Step S102, executing the credit chain according to interface parameters of a third party manufacturer to obtain manufacturer credit feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit feedback data comprise key credit fields.
Referring to fig. 2, step S102 includes:
step S1021, determining a parameter format according to the interface parameters of the third party manufacturer.
In this embodiment, different third party vendors may have different interface parameters, and different interface parameters may correspond to different parameter formats. For example, the interface parameters may include an identification that is used to characterize the third party vendor. The parameter format can be set by a third party manufacturer according to the need, for example, the parameter format can be json format, for example, the data interaction is performed between a service platform of the third party manufacturer and the risk processing system in json format.
Step S1022, obtaining the corresponding target credit data according to the interface parameters and the credit chain.
If the interface parameter is an identity, the target credit data corresponding to the identity can be queried in the credit chain data according to the identity, wherein the target credit data comprises credit data about manufacturers such as manufacturer name, diet consumption, deposit income and the like.
Step S1023, the target credit information data is assembled into the manufacturer credit information feedback data according to the parameter format.
In this embodiment, the formats of vendor credit feedback data for different third party vendors may be different. It should be noted that, executing the credit chain process may be understood as sequentially executing each credit, that is, sequentially executing each credit of the credit chain. For example, a index 1,B index 2,C index 3,D index 4, then A, B, C, D sequentially orders four messages to form a message chain, the index order is equal to 1 and is executed first, after the execution of the a messages of order 1 is completed, the B messages of index order equal to 2 are executed, and so on until the execution of the last ordered message is completed.
In this embodiment, the performing credit-taking is determined according to a third party manufacturer, and mainly uses interface parameters provided by the third party manufacturer, generally, the interface parameters in json format are interacted, for example, the credit-taking is an identity card number of the third party manufacturer, and the interface parameters in json format can be referred to as the following examples:
{
"idNo":"310212199002010011"
}。
for example, if the parameter format is json format, the vendor credit feedback data may be in the following format:
{
"code":"00",
"vendor name": "daily consumer vendor",
"diet consumption": 20",
"deposit income" 100"
}。
In one embodiment, step S102 includes:
determining the credit ordering of the credit chain;
and executing corresponding credit worthiness in parallel or in series according to the interface parameters of the third-party manufacturer and the credit worthiness sequencing to obtain manufacturer credit worthiness feedback data.
In this embodiment, since there is no limitation on the number of the tariffs of the tariff chain, that is, there is no limitation on the length range of the tariff chain, the tariff chain may be executed in a serial or parallel manner according to the actual length of the tariff chain.
The length of the tariff chain is determined according to the configuration of the number of the tariffs of each tariff chain, the number of the tariffs of each tariff chain is equal to the length of the tariff chain, and the execution sequence is as follows when executing the tariff chain because of the corresponding tariff sequencing index of each tariff in the tariff chain: and the method is carried out sequentially from small to large according to the credit ordering, and simultaneously supports the repetition of the credit ordering index, and when the credit ordering index is repeated, the two credits form a credit group. For example, there are four credits A, B, C, D, the distributed index ordering configuration is an index 1,B index 2,C index 2,D index 3,B and a credit C respectively, which are respectively formed into a credit group, and can be defined as a credit BC group, the execution of the credit chain is smooth, that is, the credit A is executed firstly, the credit A is executed completely, the credit BC group is executed, the credit B and the credit C are arranged in the credit BC group, the two credits are not executed sequentially and simultaneously, the execution of the credit BC group is finished, and the credit D is executed again, so as to obtain the corresponding manufacturer credit feedback data. By the serial and parallel execution mode, the operation efficiency can be improved, and the operation time can be reduced.
Step S103, assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class.
In this embodiment, the vendor credit feedback data may include multiple types of credit data, and the content and hierarchy returned for each vendor may be different, and in general, the vendor credit feedback data is a string in Json format. The input item is composed of calling manufacturer credit feedback data. Illustratively, taking the daily consumer as an example to assemble an entry, it is necessary to assemble a large class of entries, named: the daily consumer inputs a major class, and in addition, it needs to assemble a minor class of inputs, named: and (5) scoring consumption. Based on consumer feedback data, consumer score = savings revenue-dietary consumption, consumer score is assembled into input for consumer input categories. And the assembly result is an input item, the input item is stored in the table data of the persistent database, the performance is saved, the time consumption is reduced, and the response speed is improved.
Referring to fig. 3, step S103 includes:
step S1031, determining a major class of the input item to be marked and a minor class of the input item to be marked, which correspond to the third party manufacturer;
step S1032, determining the key value of the major class of the input item corresponding to the major class of the input item to be marked and the key value of the minor class of the input item corresponding to the minor class of the input item to be marked according to the manufacturer credit feedback data;
step S1033, generating the input item according to the input item major class to be marked, the input item minor class to be marked, the input item major class key value and the input item minor class key value.
Illustratively, the assembly input is described using a daily consumer manufacturer as an example. Determining that the major class of the input item to be marked of the third party manufacturer is the major class of the input item of the daily consumer manufacturer, determining that the minor class of the input item to be marked of the third party manufacturer is the consumption score, and if the manufacturer trusts feedback data is the following example:
{
"code":"00",
"vendor name": "daily consumer vendor",
"diet consumption": "30",
"deposit income" 100"
}
According to this example, consumption score = savings income-dietary consumption = 100-30 = 70, assembled input as follows:
{
"daily consumer" {
"consumption score" 80"
}。
In this embodiment, the input items may be assembled in json format, and the json format input items may be saved in a DataBase (DB).
It is known that in the prior art, the execution tariff sequence of the framework is serialized, and executed from top to bottom, if the first user requests to configure 5 tariffs, and the second user requests to configure 10 tariffs, assuming that the deployment time of each tariff is consistent, the tariff time of the second user request is twice as long as that of the first user request. And the time consumption of different credit call is also different, so the time consumption of executing a credit chain in the prior art is too long, and the experience of a user can be greatly reduced.
In this embodiment, steps S101-103 complete execution of the tariff chain in advance in an asynchronous call manner, pre-arrange the actions of executing the tariff chain, assemble corresponding input items, store the input items in a mysql database in advance, and directly obtain the input items from the database to execute decisions when a user makes an action request, thereby improving execution efficiency and reducing time.
Step S104, obtaining a corresponding target input item from at least one input item of the database according to the user action request.
It should be noted that, steps S101-103 finish execution of the tariff chain in advance through an asynchronous call form, and store at least one input item in the database, so that when a user needs to use the input item, the user can query a corresponding target input item from the database, thereby improving processing efficiency.
For example, when a Message Queue (MQ) asynchronous request is performed, the MQ asynchronous request may carry actions of a user, such as enumeration and real name authentication (cert_valid), and store the actions in a DB database table, and when a user action request input by the user, such as a digital real name authentication action, the two dimensions of identity identification and real name authentication, are followed, so as to obtain the latest data of the user, and obtain a target entry stored in the DB database.
It should be noted that, the initiation of the MQ exception call is determined by the upstream caller, for example, when the client performs personal information calibration, the client performs operations such as face recognition and the like, and fills in the form to complete the information, but does not submit the click to submit. At this time, the upstream caller can asynchronously perform the MQ request, transmit the face information, complete the execution of the corresponding tariff chain, and assemble the input item. When the client formally clicks and submits, the user does not need to re-execute the credit chain and assemble the input item, directly obtains the input item and transmits the input item to the risk decision engine, and the risk result is obtained.
Referring to fig. 4, step S104 includes:
step S1041, determining a target execution action corresponding to the client number according to a pre-acquired configuration relation;
step S1042, determining the target input item corresponding to the target execution action from at least one input item in the database.
In this embodiment, the configuration relationship is to add an execution (action) action to the client number to obtain the latest entry data in the already-persisted database table data. Wherein the action refers to an action requested by a user, for example, a registration action (register) is initiated by a client, then an MQ asynchronous register request is sent in advance, a tariff chain is executed in advance, an input item corresponding to the register request is formed, and the input item corresponding to the register request is saved in a database. When the client really executes the register request, the target input item corresponding to the register request is obtained by searching from the database directly according to the user dimension and the register action, so that the time for invoking and assembling the input item is saved, the input item is directly obtained, and then the execution of the wind control decision is requested to obtain the decision result. In one embodiment, the actual execution of a register request by a client may be understood as the client clicking on the page button to submit, the control being taken by the upstream caller.
Additionally, the user action request may include: real name authentication, living body detection, bank card verification, card opening, payment confirmation, registration, personal benchmark admittance, etc., can be exemplarily represented by the following fields: CERT VALID ("CERT VALID", "real authentication");
ocr_valid ("OCR _valid", "in vivo detection");
CARD VALID ("CARD VALID", "bank CARD verification");
OPEN CARD ("OPEN CARD");
confirm_pay ("confirm_pay");
REGISTER ("REGISTER", "registration");
INDIVIDEAL_ACCESS ("INDIVIDEAL_ACCESS", "personal basic Admission").
In this embodiment, the corresponding action is obtained through the configuration relationship, the corresponding target input item is obtained, and then the wind control decision is performed to obtain the wind control result, so that the response speed of the return liability end can be greatly improved, and in some cases, the response speed of the return liability end can be improved by 80%.
And step 105, calling a risk decision interface according to the target input item to obtain a wind control result.
In this embodiment, when the user formally makes a request call, the time for executing the tariff chain is directly omitted, the target input item of the user action request is directly obtained from the database, the target input item is used as the input parameter of the risk decision interface, the risk decision interface is called to obtain the wind control result, and the wind control result is returned to the requester.
It should be noted that, the risk decision interface may be a dubbo interface, and the API interface provided by the decision engine may include: the rule number (rule No), the service type (bizType), the target input item and the module number (moduleNo) input corresponding parameters to the dubbo interface, and a decision engine return result is obtained. The interface returned by the decision engine is also typically a json-format string, examples of which are as follows:
{
"result":"A",
"rejectReasonCode2":"DN99",
"rejectReasonCode1":"D115",
"isManual":"N",
"isQuery":"Y",
"isRejected":"D",
"listLvl3":"",
"strategyBranch":""
}。
in this embodiment, the wind control result returned by the decision engine may be directly fed back to the requester, so as to improve interaction efficiency.
In one embodiment, step S105 includes:
acquiring the parameter entering type of the risk decision interface;
determining basic parameter entering data according to the parameter entering type;
inputting the basic parameter entering data and the target input item into the risk decision interface, and returning the wind control result through the risk decision interface.
In this embodiment, the entry type includes a rule number (rule no), a service type (bizType), a target input item, and a module number (modulno), and according to the rule number (rule no), the service type (bizType), and the module number (modulno), a corresponding rule number key value, a service type key value, and a module number key value are determined, the rule number key value, the service type key value, and the module number key value are used as basic entry data, the rule number key value, the service type key value, the module number key value, and the target input item are input into the risk decision interface, and the air control result is output through the risk decision interface.
According to the wind control processing method provided by the embodiment, a tariff chain is obtained according to a tariff chain number, the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered; executing the credit-worthiness chain according to interface parameters of a third party manufacturer to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit-worthiness feedback data comprise key credit-worthiness fields; assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class; acquiring a corresponding target input item from at least one input item of the database according to a user action request; and calling a risk decision interface according to the target input item to obtain a wind control result. The execution of the tariff chain is finished in advance in an asynchronous call-ahead mode, serial and parallel execution can be selected according to the length of the tariff chain, the assembled input items are stored in a database, when the wind control result is obtained, the corresponding input items are obtained from the database based on a user action request, then the wind control decision is executed to obtain the wind control result, the performance is saved, the time consumption is shortened, the wind control response speed is improved, and the experience of the user banking operation is improved.
Example 2
In addition, the embodiment of the application provides a wind control processing system.
As shown in fig. 5, the wind control processing system 500 includes:
a first obtaining module 501, configured to obtain a tariff chain according to a tariff chain number, where the tariff chain number is obtained according to a product number, a channel number, and a stage number, and the tariff chain includes a plurality of tariffs that are ordered;
the execution module 502 is configured to execute the credit-worthiness chain according to an interface parameter of a third party manufacturer, so as to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, where the interface parameter includes a parameter entry identifier, and the manufacturer credit-worthiness feedback data includes a key credit-worthiness field;
an assembling module 503, configured to assemble the vendor credit feedback data to obtain an input item, and store the input item in a database, where the input item includes an input item major class and an input item minor class;
a second obtaining module 504, configured to obtain a corresponding target input item from at least one input item in the database according to a user action request;
and the calling module 505 is configured to call a risk decision interface according to the target input item, so as to obtain a wind control result.
In an embodiment, the execution module 502 is further configured to determine a parameter format according to the interface parameters of the third party vendor;
acquiring corresponding target credit information data according to the interface parameters and the credit information chain;
and assembling the target credit information data into the manufacturer credit information feedback data according to the parameter format.
In an embodiment, the assembling module 503 is further configured to determine a major class of the input item to be marked and a minor class of the input item to be marked corresponding to the third party manufacturer;
determining an input item major class key value corresponding to the input item major class to be marked and an input item minor class key value corresponding to the input item minor class to be marked according to the manufacturer credit feedback data;
and generating the input item according to the input item major class to be marked, the input item minor class to be marked, the input item major class key value and the input item minor class key value.
In one embodiment, the subclass of input items to be tagged includes a consumption score, and the vendor credit feedback data includes savings revenue and consumption data; the assembling module 503 is further configured to determine the difference between the savings income and the consumption data as an input item subclass key value corresponding to the consumption score.
In an embodiment, the user action request includes a client number, and the second obtaining module 504 is further configured to determine, according to a pre-obtained configuration relationship, a target execution action corresponding to the client number;
and determining the target input item corresponding to the target execution action from at least one input item of the database.
In an embodiment, the calling module 505 is further configured to obtain a parameter entry type of the risk decision interface;
determining basic parameter entering data according to the parameter entering type;
inputting the basic parameter entering data and the target input item into the risk decision interface, and returning the wind control result through the risk decision interface.
In an embodiment, the execution module 502 is further configured to determine a credit ordering of the credit chain;
and executing corresponding credit worthiness in parallel or in series according to the interface parameters of the third-party manufacturer and the credit worthiness sequencing to obtain manufacturer credit worthiness feedback data.
The wind control processing system 500 provided in this embodiment can implement the wind control processing method provided in embodiment 1, and in order to avoid repetition, a detailed description is omitted here.
According to the wind control processing system provided by the embodiment, a tariff chain is obtained according to a tariff chain number, the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered; executing the credit-worthiness chain according to interface parameters of a third party manufacturer to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit-worthiness feedback data comprise key credit-worthiness fields; assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class; acquiring a corresponding target input item from at least one input item of the database according to a user action request; and calling a risk decision interface according to the target input item to obtain a wind control result. The execution of the tariff chain is finished in advance in an asynchronous call-ahead mode, serial and parallel execution can be selected according to the length of the tariff chain, the assembled input items are stored in a database, when the wind control result is obtained, the corresponding input items are obtained from the database based on a user action request, then the wind control decision is executed to obtain the wind control result, the performance is saved, the time consumption is shortened, the wind control response speed is improved, and the experience of the user banking operation is improved.
Example 3
Furthermore, an embodiment of the present application provides an electronic device, including a memory and a processor, where the memory stores a computer program that, when executed on the processor, performs the wind control processing method provided in embodiment 1.
Specifically, referring to fig. 6, the electronic device 600 includes: a transceiver 601, a bus interface and a processor 602, the processor 602 being configured to: acquiring a tariff chain according to a tariff chain number, wherein the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered;
executing the credit-worthiness chain according to interface parameters of a third party manufacturer to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit-worthiness feedback data comprise key credit-worthiness fields;
assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class;
acquiring a corresponding target input item from at least one input item of the database according to a user action request;
and calling a risk decision interface according to the target input item to obtain a wind control result.
In one embodiment, the processor 602 is further configured to: determining a parameter format according to the interface parameters of the third party manufacturer;
acquiring corresponding target credit information data according to the interface parameters and the credit information chain;
and assembling the target credit information data into the manufacturer credit information feedback data according to the parameter format.
In one embodiment, the processor 602 is further configured to: determining the major class of the input item to be marked and the minor class of the input item to be marked, which correspond to the third party manufacturer;
determining an input item major class key value corresponding to the input item major class to be marked and an input item minor class key value corresponding to the input item minor class to be marked according to the manufacturer credit feedback data;
and generating the input item according to the input item major class to be marked, the input item minor class to be marked, the input item major class key value and the input item minor class key value.
In one embodiment, the subclass of input items to be tagged includes a consumption score, and the vendor credit feedback data includes savings revenue and consumption data; the processor 602 is further configured to: and determining the difference value of the deposit income and the consumption data as an input item subclass key value corresponding to the consumption score.
In an embodiment, the user action request includes a client number, and the processor 602 is further configured to: determining a target execution action corresponding to the client number according to a pre-acquired configuration relation;
and determining the target input item corresponding to the target execution action from at least one input item of the database.
In one embodiment, the processor 602 is further configured to: determining the credit ordering of the credit chain;
and executing corresponding credit worthiness in parallel or in series according to the interface parameters of the third-party manufacturer and the credit worthiness sequencing to obtain manufacturer credit worthiness feedback data.
In the embodiment of the present application, the electronic device 600 further includes: a memory 603. In fig. 6, a bus architecture may comprise any number of interconnected buses and bridges, with various circuits of the one or more processors, represented in particular by processor 602, and the memory, represented in memory 603. The bus architecture may also link together various other circuits such as peripheral devices, voltage regulators, power management circuits, etc., which are well known in the art and, therefore, will not be described further herein. The bus interface provides an interface. The transceiver 601 may be a number of elements, i.e. comprising a transmitter and a receiver, providing a unit for communicating with various other apparatus over a transmission medium. The processor 602 is responsible for managing the bus architecture and general processing, and the memory 603 may store data used by the processor 602 in performing operations.
The electronic device 600 provided in the embodiment of the present application may execute the steps of the wind control processing method provided in the embodiment of the method 1, and in order to avoid repetition, the description is omitted here.
The electronic equipment provided by the embodiment obtains a tariff chain according to a tariff chain number, wherein the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered; executing the credit-worthiness chain according to interface parameters of a third party manufacturer to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit-worthiness feedback data comprise key credit-worthiness fields; assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class; acquiring a corresponding target input item from at least one input item of the database according to a user action request; and calling a risk decision interface according to the target input item to obtain a wind control result. The execution of the tariff chain is finished in advance in an asynchronous call-ahead mode, serial and parallel execution can be selected according to the length of the tariff chain, the assembled input items are stored in a database, when the wind control result is obtained, the corresponding input items are obtained from the database based on a user action request, then the wind control decision is executed to obtain the wind control result, the performance is saved, the time consumption is shortened, the wind control response speed is improved, and the experience of the user banking operation is improved.
Example 4
The present application also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the wind control processing method provided in embodiment 1.
In this embodiment, the computer readable storage medium may be a nonvolatile storage medium or a volatile storage medium. Such as Read-Only Memory (ROM), random access Memory (Random Access Memory RAM), magnetic or optical disks, and the like.
The computer readable storage medium provided in this embodiment may implement the wind control processing method provided in embodiment 1, and in order to avoid repetition, a detailed description is omitted here.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or terminal comprising the element.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), including several instructions for causing a terminal (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method described in the embodiments of the present application.
The embodiments of the present application have been described above with reference to the accompanying drawings, but the present application is not limited to the above-described embodiments, which are merely illustrative and not restrictive, and many forms may be made by those of ordinary skill in the art without departing from the spirit of the present application and the scope of the claims, which are also within the protection of the present application.
Claims (10)
1. A method of wind control treatment, the method comprising:
acquiring a tariff chain according to a tariff chain number, wherein the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered;
executing the credit-worthiness chain according to interface parameters of a third party manufacturer to obtain manufacturer credit-worthiness feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit-worthiness feedback data comprise key credit-worthiness fields;
assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class;
acquiring a corresponding target input item from at least one input item of the database according to a user action request;
and calling a risk decision interface according to the target input item to obtain a wind control result.
2. The method according to claim 1, wherein the executing the credit chain according to the interface parameters of the third party manufacturer obtains manufacturer credit feedback data corresponding to the third party manufacturer, including:
determining a parameter format according to the interface parameters of the third party manufacturer;
acquiring corresponding target credit information data according to the interface parameters and the credit information chain;
and assembling the target credit information data into the manufacturer credit information feedback data according to the parameter format.
3. The method of claim 1, wherein assembling the vendor credit feedback data to obtain an input comprises:
determining the major class of the input item to be marked and the minor class of the input item to be marked, which correspond to the third party manufacturer;
determining an input item major class key value corresponding to the input item major class to be marked and an input item minor class key value corresponding to the input item minor class to be marked according to the manufacturer credit feedback data;
and generating the input item according to the input item major class to be marked, the input item minor class to be marked, the input item major class key value and the input item minor class key value.
4. The method of claim 3, wherein the subclass of input items to be tagged includes a consumption score, and the vendor credit feedback data includes savings revenue and consumption data;
determining the input item subclass key value corresponding to the input item subclass to be marked according to the manufacturer credit feedback data, wherein the method comprises the following steps:
and determining the difference value of the deposit income and the consumption data as an input item subclass key value corresponding to the consumption score.
5. The method of claim 1, wherein the user action request includes a client number, wherein the obtaining a corresponding target entry from at least one entry of the database according to the user action request includes:
determining a target execution action corresponding to the client number according to a pre-acquired configuration relation;
and determining the target input item corresponding to the target execution action from at least one input item of the database.
6. The method according to claim 1, wherein the calling a risk decision interface according to the target input item to obtain a wind control result comprises:
acquiring the parameter entering type of the risk decision interface;
determining basic parameter entering data according to the parameter entering type;
inputting the basic parameter entering data and the target input item into the risk decision interface, and returning the wind control result through the risk decision interface.
7. The method according to claim 1, wherein the executing the credit chain according to the interface parameters of the third party manufacturer obtains manufacturer credit feedback data corresponding to the third party manufacturer, including:
determining the credit ordering of the credit chain;
and executing corresponding credit worthiness in parallel or in series according to the interface parameters of the third-party manufacturer and the credit worthiness sequencing to obtain manufacturer credit worthiness feedback data.
8. A wind-controlled processing system, the system comprising:
the first acquisition module is used for acquiring a tariff chain according to a tariff chain number, wherein the tariff chain number is obtained according to a product number, a channel number and a stage number, and the tariff chain comprises a plurality of tariffs which are ordered;
the execution module is used for executing the credit chain according to the interface parameters of the third party manufacturer to obtain manufacturer credit feedback data corresponding to the third party manufacturer, wherein the interface parameters comprise a parameter entering identifier, and the manufacturer credit feedback data comprise key credit fields;
the assembly module is used for assembling the manufacturer credit feedback data to obtain an input item, and storing the input item into a database, wherein the input item comprises an input item major class and an input item minor class;
the second acquisition module is used for acquiring a corresponding target input item from at least one input item of the database according to a user action request;
and the calling module is used for calling a risk decision interface according to the target input item to obtain a wind control result.
9. An electronic device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, performs the wind control method of any of claims 1 to 7.
10. A computer readable storage medium, characterized in that it stores a computer program which, when run on a processor, performs the wind control processing method according to any one of claims 1 to 7.
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