CN117495544A - Sandbox-based wind control evaluation method, sandbox-based wind control evaluation system, sandbox-based wind control evaluation terminal and storage medium - Google Patents
Sandbox-based wind control evaluation method, sandbox-based wind control evaluation system, sandbox-based wind control evaluation terminal and storage medium Download PDFInfo
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Abstract
The application provides a sandbox-based wind control evaluation method, a sandbox-based wind control evaluation system, a sandbox-based wind control evaluation terminal and a storage medium, wherein the sandbox-based wind control evaluation method comprises the following steps: acquiring credit application information of a user; in a sandbox environment, sequentially accessing a plurality of external data sources according to credit application information and a preset access sequence, acquiring simulation data output by the external data sources according to history query data stored by the external data sources and credit application information after the external data sources are accessed, performing operation test on a wind control model configured on line according to the simulation data, judging whether the wind control model normally operates, if not, adjusting the preset access sequence, then returning to execute the step of acquiring the simulation data again, and if so, in an on-line environment, utilizing the wind control model to analyze and process real data returned by each external data source and outputting a wind control evaluation result. According to the method and the device, the wind control model configured on the line can be operated and tested on the premise of meeting the compliance requirement, and the operation amount of operators is reduced.
Description
Technical Field
The application relates to the technical field of risk assessment, in particular to a sandbox-based wind control assessment method, a sandbox-based wind control assessment system, a sandbox-based wind control assessment terminal and a sandbox-based storage medium.
Background
The wind control is the core and key of the consumption credit business, and carries out credit assessment on borrowers through big data analysis and artificial intelligence technology, so that the quality of the borrowers is accurately identified, and risk control is carried out on borrowing projects according to assessment results. The traditional wind control evaluation mode is that after a wind control model is pre-configured, a user applies for credit, and credit evaluation is carried out on the user according to a third-party data source and external system data. The conventional scheme has the following problems: (1) The business personnel need more internal and external data sources to be configured, and under the condition of frequently changing and adding the model, the condition of missing configuration or incorrect configuration can occur, so that the trust is abnormal. (2) If the wind control model configured on line is to be tested, the third party data source is required to be queried and stored in the database by using real client information, so that the compliance requirement is not met, and the query cost is increased. (3) The wind control model is directly used on line, so that the actual use effect is not known, and repeated verification and modification are needed after configuration, and the operation amount of operators is increased.
Therefore, how to perform operation test on the wind control model configured on the line and reduce the operation amount of operators on the premise of meeting the compliance requirement is a technical problem to be solved urgently by those skilled in the art.
Disclosure of Invention
In order to solve the technical problems, the application provides a sandbox-based wind control evaluation method, which can perform operation test on a wind control model configured on a line and reduce the operation amount of operators on the premise of meeting compliance requirements. The application also provides a sandbox-based wind control evaluation system, a sandbox-based wind control evaluation terminal and a sandbox-based storage medium, which have the same technical effects.
A first object of the present application is to provide a sandbox-based wind control assessment method.
The first object of the present application is achieved by the following technical solutions:
a sandbox-based wind control evaluation method comprises the following steps:
acquiring credit application information of a user;
in a sandbox environment, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence, and acquiring historical query data stored by the external data sources and analog data output by the credit application information after the external data sources are accessed;
in the sandbox environment, according to the simulation data output by each external data source, performing operation test on the online configured wind control model, judging whether the wind control model operates normally, if not, adjusting the preset access sequence, then returning to execute the process again in the sandbox environment, sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence, and acquiring the simulation data output by the external data sources according to the history query data stored by the external data sources and the credit application information after the external data sources accept access, if yes, then:
in an on-line environment, sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence, and acquiring real data returned by the external data sources according to the credit application information after the external data sources are accessed;
and in an on-line environment, analyzing and processing according to the real data returned by each external data source by utilizing the wind control model, and outputting a wind control evaluation result.
Preferably, in the sandbox-based wind control evaluation method, the obtaining the analog data output by the external data source according to the historical query data stored by the external data source and the trust application information after the external data source accepts the access includes:
after the external data source receives access, according to the credit application information, acquiring first data from historical query data stored by the external data source;
judging whether the first data has a median, if so, acquiring the median of the first data as analog data output by the external data source, and if not, directly acquiring the first data as analog data output by the external data source.
Preferably, in the sandbox-based wind control assessment method, the external data source includes a first data source for providing user lending information, a second data source for providing user social security information, and a third data source for providing user fraud risk information.
Preferably, in the sandbox-based wind control evaluation method, the adjusting the preset access sequence includes:
and adjusting the preset access sequence by using a preset self-adaptive algorithm.
Preferably, in the sandbox-based wind control evaluation method, the trusted application information includes one or more of a name, a telephone, an identity card and face information of a user.
Preferably, in the sandbox-based wind control evaluation method, the sandbox environment is configured with a security mechanism based on code signature.
A second object of the present application is to provide a sandbox based wind control assessment system.
The second object of the present application is achieved by the following technical solutions:
a sandbox-based wind control evaluation system comprising:
the acquisition unit is used for acquiring the credit application information of the user;
the first access unit is used for sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence in a sandbox environment, and acquiring the historical query data stored by the external data sources and the simulation data output by the credit application information after the external data sources accept access;
the operation unit is used for performing operation test on the wind control model configured on the line according to the simulation data output by each external data source in the sandbox environment and judging whether the wind control model operates normally or not;
the first access unit is further configured to adjust the preset access sequence in a sandbox environment when the wind control model does not operate normally;
the second access unit is used for sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence in an online environment when the wind control model normally operates, and acquiring real data returned by the external data sources according to the credit application information after the external data sources are accessed;
and the analysis unit is used for utilizing the wind control model to analyze and process the real data returned by each external data source in an on-line environment and outputting a wind control evaluation result.
Preferably, in the sandbox-based wind control evaluation system, when the first access unit performs the obtaining of the analog data output by the external data source according to the historical query data stored by the external data source and the trusted application information after the external data source accepts the access, the first access unit is specifically configured to:
after the external data source receives access, according to the credit application information, acquiring first data from historical query data stored by the external data source;
judging whether the first data has a median, if so, acquiring the median of the first data as analog data output by the external data source, and if not, directly acquiring the first data as analog data output by the external data source.
A third object of the present application is to provide a sandbox-based wind control assessment terminal.
The third object of the present application is achieved by the following technical solutions:
a sandbox-based wind control assessment terminal, comprising: a storage medium and a processor;
computer-executable instructions are stored in the storage medium;
the processor executes the computer-executable instructions stored on the storage medium to implement any of the sandbox-based wind control assessment methods described above.
A fourth object of the present application is to provide a computer-readable storage medium.
The fourth object of the present application is achieved by the following technical solutions:
a computer readable storage medium having stored therein computer executable instructions that when executed by a processor are configured to implement any one of the methods described above for sandbox-based wind control assessment methods.
According to the technical scheme, the credit application information of the user is obtained; in a sandbox environment, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence, and acquiring the historical query data stored by the external data sources and the simulation data output by the credit application information after the external data sources accept the access; in the sandbox environment, according to the simulation data output by each external data source, performing operation test on the wind control model configured on line, and judging whether the wind control model operates normally, wherein the simulation data is generated based on the historical query data in the external data source, and the wind control model operated in the sandbox environment is subjected to operation test according to the simulation data, so that effective isolation of codes on line can be realized, and the compliance risk can be effectively avoided; when the wind control model does not normally operate, the preset access sequence is adjusted in a sandbox environment, then the steps of sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence and acquiring the simulation data output by the external data sources according to the history query data stored by the external data sources and the credit application information after the external data sources are accessed are returned to be re-executed, so that the automatic adjustment of the preset access sequence is realized, and the operation amount of repeated verification of operators is reduced; when the wind control model normally operates, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence in an online environment, and acquiring real data returned by the external data sources according to the credit application information after the external data sources are accessed; and (3) analyzing and processing according to the real data returned by each external data source by using a wind control model running in an on-line environment, and outputting a wind control evaluation result so as to finish the trust. In summary, according to the technical scheme, the wind control model configured on the line can be operated and tested on the premise of meeting the compliance requirement, and the operation amount of operators is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic flow chart of a sandbox-based wind control evaluation method provided in an embodiment of the present application;
FIG. 2 is a schematic structural diagram of a sandbox-based wind control evaluation system according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a sandbox-based wind control evaluation terminal according to an embodiment of the present application.
Detailed Description
In order to better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below, and it is obvious that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.
In the embodiments provided in the present application, it should be understood that the disclosed method and system may be implemented in other manners. The system embodiments described below are merely illustrative, and for example, the division of modules is merely a logical function division, and other divisions may be implemented in practice, such as: multiple modules or components may be combined, or may be integrated into another system, or some features may be omitted, or not performed. In addition, the various components shown or discussed may be coupled or directly coupled or communicatively coupled to each other via some interface, whether indirectly coupled or communicatively coupled to devices or modules, whether electrically, mechanically, or otherwise.
It should be appreciated that the terms "system," "apparatus," "unit," and/or "module," if used herein, are merely one method for distinguishing between different components, elements, parts, portions, or assemblies at different levels. However, if other words can achieve the same purpose, the word can be replaced by other expressions.
Furthermore, the terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include one or more such feature. In the description of the present application, the meaning of "a plurality" or "a number" is two or more, unless explicitly defined otherwise.
If a flowchart is used in the present application, the flowchart is used to describe the operations performed by the system according to embodiments of the present application. It should be appreciated that the preceding or following operations are not necessarily performed in order precisely. Rather, the steps may be processed in reverse order or simultaneously. Also, other operations may be added to or removed from these processes.
It should also be noted that, in this document, terms such as "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that an article or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such article or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in an article or apparatus that comprises such element.
The embodiment of the application is written in a progressive manner.
As shown in fig. 1, an embodiment of the present application provides a sandbox-based wind control evaluation method, including:
s101, acquiring credit application information of a user;
in S101, specifically, after a user initiates a credit application through a front-end WeChat public number or an APP, the user' S credit application information can be obtained in a corresponding system, where the credit application information includes basic information required for analyzing the credit condition of the user, and the specific obtaining mode does not affect the implementation of this embodiment; in some embodiments, the trusted application information may include one or more of a user's name, phone, identification card, and face information, as the application is not limited in this regard.
S102, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence in a sandbox environment, and acquiring the historical query data stored by the external data sources and the simulation data output by the credit application information after the external data sources are accessed;
in S102, specifically, the sandboxed environment refers to a joint debugging test environment completely isolated from the production environment, and interface calls completed by a developer in the sandboxed environment do not have any influence on data in the production environment. In this embodiment, the sandbox environment is used to limit the code to run in a specific range in the virtual machine, and access to local system resources is strictly limited, so that effective isolation of the code on line is ensured, and modification of the database by on-line simulation is prevented, so as to solve the problem that the wind control model and rule configured on line cannot be tested in a simulation mode.
Specifically, the external data source may be an existing credit investigation platform data source or a financial platform data source, and after obtaining credit investigation application information of a user, the external data source may access a plurality of external data sources in sequence in a sandbox environment according to the credit investigation application information, a preset access sequence and a preset external data source address, so as to obtain analog data output by the external data source according to the historical query data stored by the external data source and the credit investigation application information after the external data source accepts the access; the historical query data may be data of the past real client querying the external data source, which is stored in the external data source, for example, the historical query data may include a borrowing and repayment record of the past client, a borrowing behavior preference of the past client, fraud risk data of the past client, and the like; the simulation data are used for subsequent wind control model operation tests, and are generated based on historical query data in an external data source, so that misoperation such as multiple queries on clients can be avoided, and compliance risks can be effectively avoided.
In some embodiments, one implementation manner of the step of obtaining the analog data output by the external data source according to the historical query data and the credit application information stored by the external data source after the external data source accepts the access includes:
s201, after an external data source receives access, acquiring first data from historical query data stored by the external data source according to credit application information;
in S201, specifically, after the external data source accepts the access, first data required for the operation test of the air-out control model may be screened from the historical query data stored in the external data source according to the trust application information; for example, when the lending information needs to be acquired to perform the wind control model operation test, the lending record of the past customer can be screened out from the historical query data of the external data source to be used as the first data; when the fraud risk information is required to be acquired to perform the wind control model operation test, fraud risk data of a past customer can be screened out from historical query data of an external data source to be used as first data.
S202, judging whether the first data has a median, if so, acquiring the median of the first data as analog data output by an external data source, and if not, directly acquiring the first data as analog data output by the external data source.
In S202, specifically, whether the first data has a median may be determined based on the data type of the first data, when the first data has a median, the median of the first data may be used as analog data output by an external data source, for example, if the first data is a borrowing and repayment record of a past customer, the past customer borrows 100 times, the borrowing amount varies from 100 yuan to 20 ten thousand yuan, the median of the past 100 times borrowing amount is taken, i.e. the amount of the borrowing is simulated, so as to obtain analog data returned in the query, where the median simulation is adopted, on one hand, the median simulation is more representative, and in a group of data, if there is a maximum or minimum value, the median may not be affected by the extreme value, and the center position of the data may be reflected more, on the other hand, if there is an abnormal value or data irregularity in the data, the median has better stability; when the first data does not have the median, the first data can be directly used as analog data output by an external data source.
In other embodiments, the external data sources include a first data source for providing user lending information, such as a pedestrian credit data source, a hundred credit data source, or the like; a second data source for providing user social security information, such as a hacking credit data source, etc.; and a third data source, such as an internet financial platform data source, for providing user fraud risk information, to which the present application is not limited.
In other embodiments, the sandboxed environment is configured with a code signature based security mechanism. The code signature is a measure for digitally signing an executable file or script to confirm a software author and ensure that the software is not modified or damaged after signing. Specifically, the application service is deployed on the server, and by configuring the security mechanism, when other application programs attempt to acquire the digital signature of the application program in the sandbox, the other application programs must use the signature key in the key store stored in advance to verify the digital signature, and only if the signature is successful, the application service can be continuously executed, so that the security of sandbox operation is improved.
S103, in the sandbox environment, according to the simulation data output by each external data source, performing operation test on the wind control model configured on the line, judging whether the wind control model operates normally, if not, executing S104, and if so, executing S105;
in S103, specifically, the wind control model configured on line may be operated in the sandbox environment, and the simulation data is used as input of the wind control model to perform operation test on the wind control model, if the wind control model is in the sandbox environment, all nodes are normally executed, and if the client accords with the credit condition, it can be regarded as that the wind control model is configured and operated normally through the configured simulation data, and further, the wind control evaluation of the subsequent on-line environment may be performed, that is, S105 is executed, otherwise S104 is executed.
S104, in the sandbox environment, adjusting the preset access sequence, and returning to execute S102 again;
in S104, specifically, because there is a dependency relationship between different data sources in the wind control evaluation process, if the data source access sequence is configured incorrectly, the wind control model may not perform all nodes normally; in this step, when the wind control model cannot normally run, the preset access sequence is automatically adjusted, and the re-execution is returned to S102 to re-acquire the simulation data, and the sandbox environment running test is continued, so that the data returned by the simulation is not stored in the database, and therefore, repeated running is not affected. In some embodiments, one implementation of the step of adjusting the preset access sequence includes: and adjusting the preset access sequence by using a preset self-adaptive algorithm. The preset access sequence can be automatically configured based on the preset self-adaptive algorithm so as to adjust the access sequence of a plurality of external data sources, and the operation amount of repeated verification of operators can be reduced.
S105, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence in an online environment, and acquiring real data returned by the external data sources according to the credit application information after the external data sources are accessed;
in S105, specifically, when the wind control model can normally operate, in an online environment, sequentially accessing a plurality of external data sources according to the credit application information, the preset access sequence and the preset external data source address, and acquiring real data returned by the external data sources according to the credit application information after the external data sources accept the access; the real data may be data required for analyzing the credit condition of the current credit application user stored in an external data source, for example, the real data may include a borrowing and repayment record of the current credit application user, a borrowing behavior preference of the current credit application user, fraud risk data of the current credit application user, work, social security, and accumulation data of the current credit application user, and the like. In an online environment, the resulting real data may be stored in a local database.
S106, in an on-line environment, analyzing and processing according to real data returned by each external data source by using a wind control model, and outputting a wind control evaluation result.
In S106, specifically, the trust analysis and matching are performed on the obtained real data according to the trust rule by using the wind control model running in the on-line environment, the trust limit of the user is calculated, and the wind control evaluation result is output, so as to complete the trust.
The traditional wind control evaluation mode is that after a wind control model is pre-configured, a user applies for credit, and credit evaluation is carried out on the user according to a third-party data source and external system data. The conventional scheme has the following problems: (1) The business personnel need more internal and external data sources to be configured, and under the condition of frequently changing and adding the model, the condition of missing configuration or incorrect configuration can occur, so that the trust is abnormal. (2) If the wind control model configured on line is to be tested, the third party data source is required to be queried and stored in the database by using real client information, so that the compliance requirement is not met, and the query cost is increased. (3) The wind control model is directly used on line, so that the actual use effect is not known, and repeated verification and modification are needed after configuration, and the operation amount of operators is increased.
In the embodiment, the credit application information of the user is obtained; in a sandbox environment, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence, and acquiring the historical query data stored by the external data sources and the simulation data output by the credit application information after the external data sources accept the access; in the sandbox environment, according to the simulation data output by each external data source, performing operation test on the wind control model configured on line, and judging whether the wind control model operates normally, wherein the simulation data is generated based on the historical query data in the external data source, and the wind control model operated in the sandbox environment is subjected to operation test according to the simulation data, so that effective isolation of codes on line can be realized, and the compliance risk can be effectively avoided; when the wind control model does not normally operate, the preset access sequence is adjusted in a sandbox environment, then the steps of sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence and acquiring the simulation data output by the external data sources according to the history query data stored by the external data sources and the credit application information after the external data sources are accessed are returned to be re-executed, so that the automatic adjustment of the preset access sequence is realized, and the operation amount of repeated verification of operators is reduced; when the wind control model normally operates, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence in an online environment, and acquiring real data returned by the external data sources according to the credit application information after the external data sources are accessed; and (3) analyzing and processing according to the real data returned by each external data source by using a wind control model running in an on-line environment, and outputting a wind control evaluation result so as to finish the trust. In summary, the above embodiment can perform the operation test on the wind control model configured on the line and reduce the operation amount of the operator on the premise of meeting the compliance requirement.
As shown in fig. 2, in another embodiment of the present application, there is also provided a sandbox-based wind control evaluation system, including:
an acquiring unit 10, configured to acquire information about a trust application of a user;
the first access unit 11 is configured to sequentially access, in a sandbox environment, a plurality of external data sources according to the trusted application information and a preset access sequence, and obtain analog data output by the external data sources according to the historical query data stored by the external data sources and the trusted application information after the external data sources accept the access;
the operation unit 12 is configured to perform an operation test on the wind control model configured on the line according to the simulation data output by each external data source in the sandbox environment, and determine whether the wind control model operates normally;
the first access unit 11 is further configured to adjust a preset access sequence in a sandbox environment when the wind control model does not operate normally;
the second access unit 13 is configured to sequentially access, in an online environment, a plurality of external data sources according to the trusted application information and a preset access sequence when the wind control model operates normally, and obtain real data returned by the external data sources according to the trusted application information after the external data sources accept the access;
and the analysis unit 14 is used for carrying out analysis processing according to the real data returned by each external data source by utilizing the wind control model in an on-line environment and outputting a wind control evaluation result.
It should be noted that, in this embodiment, after the first access unit 11 completes the action of adjusting the preset access sequence, the first access unit 11 may re-execute the action of sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence in the sandbox environment, and acquiring the analog data output by the external data sources according to the history query data stored by the external data sources and the credit application information after receiving the access, so as to acquire new analog data; the operation unit 12 may re-execute the operation test on the wind control model configured on the line according to the simulation data output by each external data source in the sandbox environment, and determine whether the wind control model operates normally, so as to perform the repeated operation test until the wind control model can operate normally. According to the embodiment, on the premise of meeting the compliance requirement, the wind control model configured on the line can be subjected to operation test, and the operation amount of operators is reduced.
In other embodiments of the present application, in the sandbox-based wind control evaluation system, the first access unit 11 is specifically configured to, when executing obtaining the analog data output by the external data source according to the historical query data and the trusted application information stored by the external data source after receiving the access:
after the external data source receives access, acquiring first data from historical query data stored by the external data source according to the credit application information;
judging whether the first data has a median, if so, acquiring the median of the first data as analog data output by an external data source, and if not, directly acquiring the first data as analog data output by the external data source.
As shown in fig. 3, in another embodiment of the present application, there is further provided a sandbox-based wind control evaluation terminal, including: a storage medium 20 and a processor 21;
computer-executable instructions are stored in the storage medium 20;
the processor 21 executes computer-executable instructions stored on the storage medium 20 to implement any of the methods described above for sandbox-based wind control assessment methods.
Wherein the processor 21 may comprise one or more processing cores. The processor 21 performs various functions of the present application and processes data by executing or executing instructions, programs, code sets, or instruction sets stored in the storage medium 20, invoking data stored in the storage medium 20. The processor 21 may be at least one of an application specific integrated circuit, a digital signal processor, a digital signal processing device, a programmable logic device, a field programmable gate array, a central processing unit, a controller, a microcontroller, and a microprocessor. It will be appreciated that the electronics for implementing the functions of the processor 21 described above may also be other for different devices.
Wherein the storage medium 20 may be used to store instructions, programs, code sets, or instruction sets. The storage medium 20 may include a stored program area and a stored data area, wherein the stored program area may store instructions for implementing an operating system, instructions for at least one function, instructions for implementing any of the sandbox-based wind control assessment methods described above, and the like; the storage data area may store data or the like involved in any of the sandbox-based wind control assessment methods described above.
In another embodiment of the present application, there is further provided a computer readable storage medium having stored therein computer executable instructions that when executed by a processor are configured to implement any one of the above-described sandbox-based wind control assessment methods.
The computer readable storage medium may be various media capable of storing program codes, such as a usb disk, a removable hard disk, a read-only memory, a random access memory, or an optical disk.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. The sandbox-based wind control evaluation method is characterized by comprising the following steps of:
acquiring credit application information of a user;
in a sandbox environment, sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence, and acquiring historical query data stored by the external data sources and analog data output by the credit application information after the external data sources are accessed;
in the sandbox environment, according to the simulation data output by each external data source, performing operation test on the online configured wind control model, judging whether the wind control model operates normally, if not, adjusting the preset access sequence, then returning to execute the process again in the sandbox environment, sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence, and acquiring the simulation data output by the external data sources according to the history query data stored by the external data sources and the credit application information after the external data sources accept access, if yes, then:
in an on-line environment, sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence, and acquiring real data returned by the external data sources according to the credit application information after the external data sources are accessed;
and in an on-line environment, analyzing and processing according to the real data returned by each external data source by utilizing the wind control model, and outputting a wind control evaluation result.
2. The method of claim 1, wherein the obtaining the analog data output by the external data source according to the historical query data stored by the external data source and the trust application information after the external data source accepts the access includes:
after the external data source receives access, according to the credit application information, acquiring first data from historical query data stored by the external data source;
judging whether the first data has a median, if so, acquiring the median of the first data as analog data output by the external data source, and if not, directly acquiring the first data as analog data output by the external data source.
3. The method of claim 1, wherein the external data sources include a first data source for providing user lending information, a second data source for providing user social security information, and a third data source for providing user fraud risk information.
4. The method of claim 1, wherein the adjusting the preset access order comprises:
and adjusting the preset access sequence by using a preset self-adaptive algorithm.
5. The method of claim 1, wherein the trusted application information includes one or more of a user's name, phone, identification card, and face information.
6. The method of claim 1, wherein the sandboxed environment is configured with a code signature based security mechanism.
7. A sandbox-based wind control assessment system, comprising:
the acquisition unit is used for acquiring the credit application information of the user;
the first access unit is used for sequentially accessing a plurality of external data sources according to the credit application information and a preset access sequence in a sandbox environment, and acquiring the historical query data stored by the external data sources and the simulation data output by the credit application information after the external data sources accept access;
the operation unit is used for performing operation test on the wind control model configured on the line according to the simulation data output by each external data source in the sandbox environment and judging whether the wind control model operates normally or not;
the first access unit is further configured to adjust the preset access sequence in a sandbox environment when the wind control model does not operate normally;
the second access unit is used for sequentially accessing a plurality of external data sources according to the credit application information and the preset access sequence in an online environment when the wind control model normally operates, and acquiring real data returned by the external data sources according to the credit application information after the external data sources are accessed;
and the analysis unit is used for utilizing the wind control model to analyze and process the real data returned by each external data source in an on-line environment and outputting a wind control evaluation result.
8. The system according to claim 7, wherein the first access unit, when executing the obtaining the analog data output by the external data source according to the historical query data stored by the first access unit and the trusted application information after the external data source accepts the access, is specifically configured to:
after the external data source receives access, according to the credit application information, acquiring first data from historical query data stored by the external data source;
judging whether the first data has a median, if so, acquiring the median of the first data as analog data output by the external data source, and if not, directly acquiring the first data as analog data output by the external data source.
9. Sandbox-based wind control evaluation terminal, which is characterized by comprising: a storage medium and a processor;
computer-executable instructions are stored in the storage medium;
the processor executes computer-executable instructions stored on the storage medium to implement the method of any one of claims 1 to 6.
10. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1 to 6.
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